BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On the XX/XX/2019 I opened up an checkings account with Citizens bank. On XX/XX/2019 I deposited my social security check in the amount of {$770.00} dollars I was told that there will be a 5-7s hold on my account due to it was a new account but they did make {$200.00} which I did spend available so {$570.00} dollars was on hold and due to be released on Monday XX/XX/2019. On Monday XX/XX/XXXX I recieved an email from Citizens bank fraud department questioning suspicious activity thats when I learned that my debit card was in fact missing from my possession I then called Citizens bank claims department after having my card deactivated and requesting a new one. I put in a claim for the tranctions that I did not use or authorized it was a total of 18 atm and pos charges made with my debit card and started the claims process. Friday XX/XX/2019 I recieved a call from a supervisior name XXXX who stated to me that they closed my claim and refuse to reopen my claims I asked why she then stated that I never called to report my card lost or stolen I that time I explained that I was not aware but soon as I was made aware I took the proper and nesseccary steps of cancelling my debit card and reported to Citizens bank. The supervisor was very rude and mean when she called my phone. i have been back and forth with branch supervisors rep Representatives Etc and their customer service was very unprofessional very poor very distasteful very unsatisfying. As a result in this whole situation I lost my housing for unpaid rent for the month of XX/XX/XXXX me and my XXXX children no longer have any place to stay I made the branch supervisor aware of my situation I sent her an email I'm a termination letter of my lease I have been I've made police reports I have been doing everything that I could possibly do but since this situation has been happening it has been nothing but turmoil and heartache for me and my babies because I have to pack up XXXX small children XXXX in which is an XXXX  who just had XXXX XXXX a week and a half ago and now I have to tow her around the city of XXXX trying to find somewhere for us to stay I deposited my money into Citizens Bank and I didn't receive my money is back out of {$700.00} I only was able to spend XXXX {$570.00} walked away from me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: VELO LAW OFFICE
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a garnishment letter in the amount of {$2500.00} from Velo Law collection agency. In total {$1900.00} was garnished from my wages. I called Velo Law office around XXXXXXXX XXXX  to get the remaining balance so I could pay it. I spoke to a receptionist who stated I owed over {$900.00} which is not correct. I should only have a balance around {$600.00}. I repeatedly asked her where the extra charges were coming from and she kept putting me on hold stating it's in the judgement. I was never notified nor received any documentation about the amount changing. They are fraudulent adding charges and going to court without my knowledge in order to prevent me from showing proof of what I paid.I sent an email on XX/XX/2022 and they did not respond by phone or email. I am in the process of filing a complaint with the Michigan attorney general as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
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 have no a knowledge of this account according to the FCRA This item must be removed

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 2022-04-13
Company: Experian Information Solutions Inc.
State: GA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-01-28
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I sent the letter to my service mortgage company below addressing my complaint about my credit reporting and misinformation of their loss mitigation department when I first reported my COVID related unemployment and requested a mortgage forebearance on XX/XX/XXXX and XX/XX/XXXX and was told for almost two months I needed to submit more information and rewrite my hardship letter. Fast Forward XX/XX/XXXX after I called almost daily and even ill with XXXX  and unemployed had to go to XXXX XXXX and make copies and scan applications, bank statements and required 300 page tax forms. The only representative knowledgeable enough to tell me that I did not need to send in any paperwork because my request is XXXX protected, told me they will submit it correctly and that my forbearance will start XX/XX/XXXX and they dont have a way to back date even though I reported my request due assistance to begin with in XX/XX/XXXX was XXXX related. Please see my attach Loss Mitigation Application dictating that my unemployment is due to XXXX related and other illnesses which day completely ignored. All I wanted was for them to report my account current that I am in forbearance and if at all possible allow the forbearance to start XXXX since I reported it on XX/XX/XXXX and XX/XX/XXXX and every day in XXXX, but no one was able to help me. I am still unemployed and still suffering from XXXX side effects. Please read the letter below. This is the exact letter I sent to my mortgage servicer which they said they cant do anything and I still have to pay XXXX and XXXX. Even though I told him that I dont have a job and dont qualify for unemployment I am struggling to even put food on the table so please help and escalating this complaint. 

See letter I sent on XX/XX/XXXX to my mortgage services below : To whom it may concern Please look at the very bottom email stamped in dated XX/XX/2022 requesting on the hardship letter a Covid forbearance related resulting in unemployment. I have been misinformed by the Loss Mitigation department the very first time I sent in my request and it shouldve been coded as Covid related forbearance and that the forbearance shouldve started in XXXX. Now I am moving into 90 days in arrears when it couldve been prevented if the right questions were asked and the right application were put in place for XXXX related unemployment ; these were also uploaded to my portal please resubmit the credit reporting to reflect forbearance starting in XXXX and remove the 30 to 60 days late. I would appreciate a phone call back, and I would formally acknowledge the complaint I fell this morning regarding miss information from the initial agent that took my call when I applied for help. Had it not been for the young man who took my call today I would still be waiting and will be in deep trouble. Even though my request is XXXX related. 

I will be waiting for a call XXXX  Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Alliant Capital Management LLC
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/XXXX ( I have a XXXX XXXX  chat that I can reference ) I received a call from an " XXXX  XXXX '' at my place of business ( private number ). I had just received a promotion in XXXX so it was odd that someone already knew my number. He sounded exasperated and said " It's a good thing I got in touch with you. We have been trying to get into contact with you. '' I asked him what it was about. " There is legal action against you and you need to call another number. '' He mentioned something about a lien on my property and garnished wages. He provided me w/ a number to call of XXXX. I then asked him if I could get more information and he said that he could not give me anymore and that I needed to call the number. He did not mention debt at that time. 

I hung up with him and at first was worried since I do owe some debts. I then reverse phone searched the number and there were complaints against it stating it was a scam. I was no longer worried. I called the number and got an answering machine, lending further proof that this was a scam. 

I am almost certain that XXXX  called me again yesterday ( XX/XX/XXXX ). His number is always private but I can recognize his voice. I answered after the second time a private number called ( these calls were at XXXX XXXX and XXXX ). When I answered he asked if it was me. I confirmed. Then he tried confirming the place I was working at. He kept saying " Hello? Hello? '' as if he could not hear me. He then hung up. Later on the same day, my brother texted me and told me that he had received a call about asking me to testify in court. I had him send me the transcribed message. It said that it was this was from XXXX XXXX and the number was XXXX. My " case number '' is XXXX ( note that the beginning is the phone number ). I called around XXXX and I got the same message that I got when I called the Florida number XXXX  gave me. I left a message for them to call me back. 

Today ( XX/XX/XXXX ) they then called me back and left a message.This time the number was from XXXX. They told me to call back that number and choose extension XXXX. I called from my work number that can not be traced and Someone answered who said it was Capital Management. I did not say anything and hung up. 

In looking back at my voicemail messages, I can see that the South Carolina number has called me on XX/XX/XXXX and XX/XX/XXXX as well. 

Additional numbers that I suspect are them are XXXX and. XXXX. 

For reference, here are 30 reviews stating that this is a scam https : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My account should not show any late payments because I have always paid on time. It is unacceptable to see late payments on my account, and I urge you to correct this error immediately.

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 2022-10-12
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2023-04-05
Company: The CMI Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an alert on my credit report that Credit Management was placed on my credit report Tuesday, XX/XX/XXXX. I have not reached out to Credit Management because i have no knowledge of anything concerning this company. I was NEVER notified in writing of a notice to place this account in collections. I was not properly notified so that I could dispute the debt before it hit my credit report. This would have given me time to request validation. This account has been in dispute with the original creditor XXXX since XX/XX/XXXX due to their inaccurate charging of the bill to my account. XXXX never resolved the issue with me as a consumer, and have since sent this account to several collection companies without notifying me as well. This should be immediately removed from my credit report for the collection agency never notifying me of their attempt to collect any debt. They have illegally placed this on my credit report and i am filing this as a complaint and will take further action if it is not removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 unverified 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

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 2022-11-05
Company: DISCOVER BANK
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
They closed my account after I made XXXX payments from my own bank account. unfortunately, I have XXXX XXXX XXXX XXXX XXXX, and I typed XXXX number wrong in my account number, I immediately updated my payment information and made the payment, then as soon as the payment cleared they closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
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: Information belongs to someone else

Complaint:
This is my several complaints that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 2023-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
I'm drafting this because I have contacted the credit bureaus and the creditors and informed them that I've been an identity theft victim and there were fraudulent accounts reported on my credit report. Thus far, XXXX hasn't removed the fraudulent charges from my credit report. I don't have time to contact XXXX every day because when I get them, their representative tells me that they will remove the fraudulent account from my credit report, and then they don't do it. Or they'll let me know we filed for a dispute, and when I call back to check on my argument, they tell me it was never filed. XXXX is the most untrustworthy credit bureau ever. They report fraudulent accounts and fraudulent information to the credit bureau. They break the law by not following proper dispute procedures. In addition, their employees act as lawyers and pretend to know how they can interpret the law, which is vastly illegal because they're not lawyers. I followed the proper procedure and informed them through an identity theft report that I filed with the Federal Trade Commission that states and identifies which accounts are fraudulent and must be removed from the credit report. They continuously disregard my request when I tell them to dispute the fraudulent accounts and remove them from my credit report. Therefore, they deserve the harshest fines and punishment due to committing and being part of the fraud themselves. Again, I'm not saying this to slander XXXX or the banks that opened fraudulent accounts under my name, Bank of America, and XXXX XXXX I'm merely stating that there are fraudulent accounts that must be removed from my 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 explanation
Consumer complaint received 2021-06-19
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Frivolous charges were disputed after over a year on a credit card ending in XXXX. Initially, thought it was charges made my the authorized person on the account, my daughter. After a year, I questioned her and she provided proof of her own XXXX high credit card with her charges. I requested the card be closed with Chase, instead they removed my daughter from the card. They sent me another card ending like XXXX. To date, they returned all of the frivolous XXXX charges to the new card. I've kindly paid it off and again requesting both accounts with Chase credit be closed, including the XXXX card because new charges from XXXX XXXX starting to emerge. Someone has been calling me too about Chase fraud unit wanting information which I'm reluctant to give over the phone ; also, sent me an email and I refuse to click on anything. Reported this to Chase and more charges were added to the card. I believe someone working with Chase is presumably the culprit. Have read numerous reviews online too to confirm I'm not the only person this has happened to, recently. I've never had an XXXX account with XXXX. I have XXXX and have had it over a decade. Either XXXX or Chase or both conspiring to fluff their business, and this is malpractice ( s ). I want the funds returned to me that I've paid for charges I am not responsible for, and want these accounts closed-for good. No new cards to be issued as I never requested a new card be issued. They are not good for business and have repeatedly exposed my info to data breaches.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have no knowledge of this hard inquiry which was a result of identity theft which must be removed no later than 4 business days as per 15 U.S.

Code 1681c-2 made on my credit report for Capital One Bank USA on XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Each inquire who provided a phone number I called and ask for reasoning and the all came to the same conclusion to see if I qualified for a product with them, I never gave permission to theses inquires to pull my credit I believe my account is a victim of fraud and its been going on for a while now. They all told me it was nothing that they could do to help i should contact the credit bureaus and the bureaus directed me to you guys. 

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 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 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 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 2022-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2022, a fraudulent credit card was applied for with XXXX XXXX via Bank of America. XXXX issued a fraud alert while XXXX released my credit to BOA who then issued a credit card. I received emailed alerts, contacted BOA and closed the recently opened account. I have placed fraud alerts with all XXXX agencies.

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