BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Radius Global Solutions LLC ( collection agency ) on XX/XX/XXXX stating that I owed XXXX XXXX, XXXX {$300.00} for an account ending in XXXX. I have never worked with XXXX XXXX, nor have I ever opened an account with them. The info that I was able to get from Radius Global Solutions is that the account ends in XXXX, and it was opened on XX/XX/XXXX and closed on XX/XX/XXXX. XXXX XXXX is not FDIC insured. I have requested a dispute through Radius Global. I have run a credit report and XXXX XXXX  shows up as under " soft inquiries '' on XX/XX/XXXX. I called XXXX XXXX on XX/XX/XXXX they would only help me if I gave them my SSN. I was not willing to do that since I have never done business with them. I wasn't sure about their credentials. 

XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: Harris & Harris, Ltd.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company started calling me claiming I had defaulted on a {$1000.00} bill about three years ago. I have also received 3-4 mailings from them over this period. In the initial call, I asked for the original nature of the debt. They did not respond, just asserted that I owed the money. I have sent two letters to the company asking for written documentation of the debt. I have received no response, but the phone calls continue at least weekly. They leave messages on my home and cell numbers multiple times a week. I have tried to talk to them asking for written proof of the debt, and again received no specifics or response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Bank of America has breached the Fair Credit Reporting Act, specifically under Title 15 USC 1681, Section 602, which guarantees my right to privacy. Additionally, 15 USC 1681, Section 604 ( A ), Section 2 specifies that a consumer reporting agency is prohibited from providing information about my account without my written consent. Moreover, under 15 USC 1666b, a creditor is not allowed to label a payment on a credit card account within an open-end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: CITIBANK, N.A.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have had a XXXX XXXX XXXX from XXXX and have an extended warranty option on my account. I have tried to exercise this service/feature of my credit card for over a day. I have called numerous times and have asked for the correct dept, but constantly get transferred to the XXXX XXXX and they don't have record of my account. 
I continue to call the number on my card, but they insist that is the only number they have. I have asked for a supervisor numerous times, but only get disconnected. I feel like this feature is bogus and citi bank has no intent of honoring it. I have spent collectively XXXX XXXX  hours on the phone and feel like this is dishonesty and deceipt. I believe their tactic is to not give you a clear communicator and to hold you on line long enough to give up. I will insist that this claim is honored and as a man that spends XXXX per year on the card, this is a terrible way to treat your customers. I once had a claim on XXXX and it was quick, easy and seamless. Looks like that will become my preferred method of payment going forward.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted SEVERAL disputes for this lender to all the bureaus and nothing is being done. I have submitted evidence supporting my claim only for it to not be removed from my report. My. score dropped by 70 points because of this error. XXXX XXXX did NOT send the the correct billing statement for 2 months after I returned my lease. I submitted a dispute about this in XX/XX/2019 and it was removed from my Experian report but not the other 2. I realized that later on and wanted XXXX XXXX to update that information showing NO late payments to the other bureaus as well. What did they do? The added the negative information BACK to my Experian report. What does XXXX have to say about their negligence? AM I supposed to suffer because of their mistake??? what is going on here? WHY is my account noted as 30 days late when I had wear and tear insurance that COULD NOT PAY the claim because of an error on XXXX 's part?? The insurance company could not pay the claim because XXXX put the incorrect amount on the BILL!!! no matter how many times I called and the insurance called they never fixed it until the end of XX/XX/2019!!! I got the bill XX/XX/2019 and the insurance paid it within the hour!! This was already explained and rectified in 2019 so why is it being re-added to my report?? I want an explanation and I want it removed ASAP. THIS IS A CRIMINAL OFFENSE AND I WILL SUE! Enough is enough. DO NOT FINANCE THRU XXXX!!! THEY WILL RUIN YOUR CREDIT EVEN IF YOU PAY EVERY MONTH ONTIME WITH AUTO PAY!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XX/XX/XXXX ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-20
Company: AmeriCollect
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2021 I sent a letter out regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a credible response. I feel like I am being taken advantage of and ignored of my disputes. I am requesting you send me any signed contracts and or proof that this account belongs to me or I am demanding you stop verifying false information to the credit bureaus. I am also demanding these accounts be deleted immediately from your database as i have no recollection or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
( Cancellation of Debts Do to identify theft ) Debts were settled and are still being reported years later this is an violation of the FCRA Remove accounts off of credit report immediately. 


In accordance with the Fair Credit Reporting act. The List of accounts below has Violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I don't have any late payments or any missed payments. Yet XXXX and Equifax minus points off my credit score constantly. Recently XXXX took XXXX points off my credit score and the other XXXX points off my credit score stating something about my XXXX 's charge which had been paid off XXXX before they took the points off. The amount on the XXXX 's XXXX wasn't even due let alone late or missed! What is going on? Ever since the pandemic started both XXXXXXXX XXXX XXXX are crazy with constantly making up reasons to take points off my credit score. The credit bureaus are weaponizing my credit score against me for no reason. I have XXXX charge cards at the moment XXXX 's and XXXX XXXX and both are paid off. How do I get the XXXX XXXX XXXX  from harassing and trying to intimidate me? What XXXX XXXX over sees the credit bureaus?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
For the past two years, I have been getting the run around from TransUnion regarding access to my Credit Report and Score.

First, they said that you could not view my report/score because they needed to verify my identity and requested to send them copies of my social security card and driver 's license. On XX/XX/2021, I sent them the requested information and a summary of the issue. 

Since then, I have called TransUnion several times to follow up, and every time I call, they give me a run-around and send me from department to department only to tell me, " we are working to resolve the issue, and someone will be in touch within 72 hours. '' However, nothing gets done, and no one calls me back. 

TransUnion has so much power over my creditworthiness and financial life. But, unfortunately, they are not reliable nor a responsible party to have this privilege. 

I would greatly appreciate any assistance you can provide to address this problem as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: OLD NATIONAL BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 I placed letters paying 2 credit card bills into the United States Postal Service mailbox. My letters which included checks were both stolen and never arrived to the destinations. One check that I sent ( USPS ) to XXXX card services was cashed by the perpetrator and used to extract {$6800.00} from my account at Old National Bank on XX/XX/XXXX, XXXX.I went to the bank and reported the theft, filled an affidavit and I also filed a police report with thXXXX XXXX XXXX XXXX XXXX Illinois Police department . Today is XX/XX/XXXX, and I have yet to receive any reimbursement of the money taken from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
This all started by calling Bank of America in order to get my Car Title, at this time it was still financed. I told the agent I was expecting a new baby within a few weeks and needed a copy of my title to register my car in time so I had a car to drive around in. I was told in order to get a copy of my title it would take 8-12 weeks. I told the agent this was not acceptable and as this is my only car. I was then told in order to receive my title within a few weeks even possibly a few days I would have to pay off my entire balance, XXXX. Acting in full reliance of the agent and expressing the necessity of the situation and any other alternatives, I was told this was the only way, so I paid the money. 2 weeks go by and I call them to find out they sent the title to the wrong state and I nor my state has a copy. I am then reassured that even though this is the case I would still receive a paper title in the mail. Another 2 weeks go by before I call again and am told that Bank of America will resolve this and send me what I need to register my car. A week goes by and I am told I should have received something in the mail and if I hadn't it is not Bank of America 's concern since the title has already been sent and I had to wait for the documentation. After calling the state that it allegedly went to they do not have a copy of my title nor does my home state. Bank of America refuses to help me after using dishonest statements to collect a debt ( FDCPA breach ) and has taken barely any steps to address the situation. Further, Bank of America more or less did a " bait and switch '' telling me one a great opportunity to get my title quickly in time so I can take care of my newborn but actually taking my money and leaving me without a title or recourse. This practice caused substantial harm to me as an individual and is likely to cause future substantial injuries to consumers, this harm is not reasonably avoidable since I can not control which state my title goes to, this injury is not offset by other benefits consumers may receive, and it takes unfair advantage of the reasonable reliance expected of a lender to act in the interests of a consumer. This is a UDAAP violation as an unfair practice to collect a debt. I am currently left with no title, no idea where my title is, both my home state and alledged state having no idea where it is. Do not trust this lender, do not trust their collection practices, they will utilize their position to take predatory advantage of their consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
Recently my place of work was hacked somehow, forcing the company to write physical checks, I have been depositing the same check to Wells Fargo for at least a year now and it shows up the same everytime. The most recent one was placed on hold, I have dealt with holds before, but this one is an exuberant wait time of 12 days. I believe the maximum a bank is able to with hold a check is 7 by Law, meaning there is an extra 5 days added to my wait time. Apparently it was held for a bad signature and when I called and asked there was nothing they can do about it. I have bills I need to pay, my account is over drafted because I had to pay my rent. I literally will be paid again before this check clears.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief