BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 am XXXX XXXX, Capital One Bank customer from XXXX. I havenever seen such terrible service from this bank like thesedays. 
The whole story : On XX/XX/XXXX my account was locked because of suspiciousactivities. I was trying to make {$500.00} transaction with XXXX XXXX. I spent 1.5 hours confirming my identity, uploading my driver 's license. The account was unlocked finally, but when I tried to use it again it was locked againand Customer service advised me to replace a card.I received a newcard in 3days, and I was able to make one transaction for {$500.00} on XX/XX/XXXX. Then the second transaction for {$200.00} to the same XXXX XXXX XX/XX/XXXX failed, and the accountwas locked again.Today I spent XXXX hours on a phonewith Customer service, and as a result, I was requested to submit 3 more documents to verify my identity. And this time, verification will take up to 10 businessdays. Moreover, I could not submit thosedocuments because the upload link provided by email is not working consistently. I called Customer service again and got an answer that they could not help me with thisissue.On my question, if I have a locked account again would I need to submit another set of documents, I got theanswer that it is unpredictable.As of now, I spent4 hours already trying to resolve the simple issue and I am thinking if I need such service inthe future. Just imagine if I was abroad, and I have to pay for something urgently!!! I understand their concern about fraud activities, but I think it is unreasonableto make customers suffer from the unprofessional way of doingbusiness.As an example, the same kind of verification in XXXX took me 10 min last year. And today I used my XXXX card to make the same transaction with no issues.I am working in the banking industry for almost 20 years and I have never seen such negligence in treating customers. I think they owe me an apology for treating me as a thief. I can not teach them how to do business, but the way they are doing it is unacceptable. People do not have to spend 1 month to make verification in order to use their card account. Now it can be done within minutes, if required. I can tell you this as a professional in this area.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The Bank of America send me a letter said current or past delinquency, derogatory public records or collections account, current or past delinquency with one or more of my creditors, Im all way paid my credit card, car loan, student loan on Times. I cant understand why my credit going down for any reason please help thanks

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 2023-11-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, I received a refund check ( emergency disbursement ) from the XXXX Bankruptcy XXXX. Prior to making a deposit into my checking account ( open and active since XX/XX/2023 ), I contacted 5/3 Banks customer support to gauge fund availability and best practices moving forward. They stated, that to have my funds available the morning of XX/XX/2023, consider and complete a mobile deposit for this transaction. Since this is text-based support, I have a screenshot of this conversation. I completed the transaction, but prior to confirming, I asked the service rep about a discrepancy with my deposit ( app stated funds would be available XXXX ). She stated that XXXX considers those Mondays a weekend. 

My money is not available as of this morning and new representatives I spoke to, state that my funds would not be available until XX/XX/2023. 

This is an incredibly misleading and abusive process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Mr. Cooper Group Inc.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I mad a {$1700.00} payment in XXXX through my XXXX  XXXX XXXX the mortgage company Mr Cooper sent it back to the bank. I resent it again. They said they have not received it. I sent another payment {$1700.00} through XXXX XXXX XXXX they have not yet been able to find that payment either. I had the banks talk to them and let them know the money was sent on time and funded. Mr. Cooper has yet to find either payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I, XXXX XXXX, a natural human being and consumer, requested my personal information be updated, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022, by certified mail to letter to XXXX and Transunion. 
Today is XX/XX/2022, XXXX and Transunion have chosen to ignore my request and continue to report false information on my credit report, therefore, causing harm to my credit profile and unwarranted stress to me mentally, physically, and financially.

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 2023-06-01
Company: Credit Corp Solutions Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Per complaint filed XXXX I have had one and only one XXXX account which was opened almost 20 years ago. I have never had or held a negative balance with XXXX. 

Since filing the complaint, the company has called again. This time, the person on the other end refused to accept that I would not be talking or confirming anything with them and started screaming out Personally Identifying Information ( PII ) over the phone including a SSN. 

This is feeling more and more like a corrupt company trying to illegally attempt to collect a debt. I do not and will not ever conduct business over the phone as debt collectors will always claim that what was said was not said. Only in writing, and the writing you just filled out to this federal agency is very much so fraudulent. My XXXX  account is in good standing and I've never had a negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Block, Inc.
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On, XX/XX/22, I attempted to complete a transaction on Cashapp. The transaction was denied stating my bank denied it. I then looked into the linked account in my app. My linked account is from my XXXX XXXX accout, but Cashapp has a XXXX account listed. This would not update nomatter how many times I tried. I called my bank to see if the money was pulling from my account, they had no record of the attemted transaction. I called cashapp, their phone line disconnects your call no matter what time a day. I got on the chat portal to resolve my issue. The chat advocate did not understand and refused to connect me to a different advocate or management like I asked. I told them there. My account shows my bank account as the linked account, but has the money I am trying to send pulling from someone elses XXXX account. They refused to help me fix this issue. No my account is linked to a mystery XXXX  account and I can't unlink it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX Attn : Consumer Relations XXXX XXXX XXXX. XXXX XXXX, XXXX, MN XXXX ( XXXX ) XXXX RE : Account Abuse ; UNPAID in the amount of {$330.00} reported by Bank of America on XX/XX/XXXX ( RTN : XXXX # : XXXX ) To Whom It May Concern : This letter is regarding reference number : Above reference ACCOUNT ABUSE/UNPAID ACCOUNT under my name, social security number and Georgia Drivers License Number. This is a formal letter that your claim is disputed. 
This account was PAID IN FULL on XX/XX/XXXX. I have accompanied a copy of that payment to Bank of America ; Therefore, I am requesting the immediate removal from your records. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) Section 807. False or misleading representations ( 15 USC 169e ) ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( Including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( Including but not limited to Section 623-b ) Please Note : This is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only and is not a statement, election or waiver of status. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX or XXXX XXXX  XXXX XXXX, GA XXXX SSN : XXXX DL : XXXX GA Page 2 of 2 P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer

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 2023-10-18
Company: Maximus Education, LLC dba Aidvantage
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
After trying to call Aidvantage for months and having to give up after waiting an hour on hold each time, I emailed them on XX/XX/XXXX to have them explain why my IDR payment amount was {$100.00} more than what the FSA calculator told me I should be paying. I never received a response from them, despite them telling me they would respond after two business days, and so I made my full payment as scheduled on XX/XX/XXXX. Today, my account is showing as past due despite the fact the money has already left my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are Inquiries that are reflecting on my credit report that I have not authorized.

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 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts 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 2019-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I do not have an idea how this company conducted an inquiry on my credit report without my authorization! Please take this off my credit report 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 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 explanation
Consumer complaint received 2022-05-15
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX submitting this complaint about recent disputes sent to XXXX about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. Please remove or update the account completely from my Credit Reports : XXXX XXXX XXXX ( Original Creditor : 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 explanation
Consumer complaint received 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 was made aware of some accounts reflecting negatively on my credit report today XX/XX/20 because I got my credit ran to see if I qualified for a home loan. I had no idea there were accounts in negative standing on my credit because none of those accounts belong to me. I did not open any of those accounts nor did I give anyone permission to open those accounts on my behalf. I did not benefit anything from any of those accounts nor did I ever make any payments towards any of those accounts. I do not have any written or verbal contract with any of those companies nor am I affiliated to them in any way. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these suspicious accounts.

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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This account XXXX XXXX is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.

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 2022-05-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Closed accounts that I have had are still reporting hard inquires on my credit report.

Closed accounts that I have had and are paid are still reporting hard inquires on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Closed accounts that I have had are still reporting hard inquires on my credit report.

Closed accounts that I have had and are paid are still reporting hard inquires on my credit report.

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 2018-06-18
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX was awarded a Garnishment Judgment in XX/XX/XXXX. Their Collector did not attempt to collect on this Garnishment until XX/XX/XXXX. Without warning or notice. According to the ARS 12-1551 ( B ) https : //www.azleg.gov/XXXX This creditor illegally garnished wages after the 5 year period. There is no record of them filing for an extension either. I have had this garnishment taken out of my check every pay period from XX/XX/XXXX - Current. I would like this creditor to stop taking money from me and to refund all funds they have taken. Amounts varied as this was based off of my Net Earnings, not to exceed 25 % of my pay. The second Garnishment order was given to the below creditor in XX/XX/XXXX. Six Years after the original Garnishment Order. This makes this order Null and VOID XXXX XXXX is my Employer. The original Creditor was XXXX XXXX ; their Collector is : XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. ; XXXX XXXX XXXX, AZ XXXX XXXX I would like a full refund of all of my funds that were illegally taken from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
Acct number XXXX On or about XX/XX/2021 my XXXX XXXX was repossessed and later sold at auction and is currently listed as a Paid/ Charge off on my consumer reports. I have not However received a 1099c tax form. 
I am requesting that this document be sent to me via mail to address XXXX XXXX XXXX XXXX  XXXX XXXX, Fl XXXX within the next 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
My complaint is about US Bank Focus Card. This is a payroll card instrument provided by the US Bank. I am unable to get my money out of the bank because of the following reasons : 1. When I go to the branch, they are unable to help me. They can't see the balance on it, nor can they disburse money per my request. They are telling me that the only way is to use their ATM.

2. When using an ATM, it is limited to only {$1500.00} per 24-hour limit. And the timing is controlled. If I made a withdrawal at XXXX PST, I have to come back the next day after that time or get rejected. 

3. The only customer service number provided by the branch is the one on the back of the card. It is stated that this is a 24/7 number XXXX. I had dialed that number over 50 times at this point, including XXXX XXXX XXXX XXXX XXXX XXXX, and so on. It makes you jump through the hoops only to disconnect you after a few tones with an automated system telling you that there are too many callers. At XXXX XXXX? Such a lie! 

4. Website is not letting me do anything with my money either! I can't transfer the money anywhere, and being forced to open a checking account with them is the only option. I don't need their checking account. I already have one, and I am set.

5. I feel that earned money is being held hostage by this banking institution which is a form of theft. They are making an interest on my funds daily, and I am forced to keep running around trying to extract my money!

Please help me.

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