BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I deposited a cashiers check i received for payment for some XXXX  work into my Capital One 360 checking account. After depositing it said funds would be available by XX/XX/2021. I received an email 2 days later that my funds had been deposited and I could tear up the check. I then went to look at my online account and it said my account was frozen but the money did show up on the available balance. I then went back to email to re read the email that I was sent. After finding that, re-reading to make sure I hadn't missed something, I found another email from later the same day or the next day with a number to call. I called the number for Capital One, this was Saturday before mother 's day and they were closed. So I called Monday. I was on hold waiting for over an hour. When I finally got someone she asked me to hold so she could review in which after a couple minutes the phone hung up so I had to call and go thru the same thing again. 3 hours later a lady gets on the phone and tells me my relationship with the bank had ended and that the lady before had explained that to me. I told her I didnt know what she was talking about since I had not gotten to talk to the other lady. She was pretty rude wouldn't explain anything, and told me the only way I could get any money before they decided to give it to me was if I went to the atm and called them, to go thru the wait I went thru to get to her I imagine. Not my account page shows the check funds no longer available as they were before and the check is on hold but my balance still shows the check. The check is about XXXX. I dont understandhow or why they would do any of this. Yall act like I did something wrong. And then telling me I can't get my money unless I go there and call them so I can get any money is the most outlandish thing ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On Monday XX/XX/XXXX, I deposited a check at my local Bank of America branch. Later that day, I received and email from Bank of America saying that a hold was placed on my account, and I was also unable to log in to my online banking account. This check is for a class action lawsuit against a ride share company for owed payments, and the check was issued by my lawyer. After waiting a couple days for the check to clear, I called customer service and they told me that my account was being closed, but they wouldn't give me a reason. I went to the branch where I deposited the check, and all they were able to do was give me the number to the risk department. I called the risk department, but they refused to give me an answer as to why the account was being closed. All they said was the account was going to be fully closed by XX/XX/XXXX or XXXX and that they will mail me a cashier 's check for the balance of my account. I called the third party check issuing company that was working with my lawyer and they said that on their end, the check has been cleared as of Tuesday XX/XX/XXXX. Today XX/XX/XXXX, I called the Bank of America Risk Department to see if the cashier 's check has been mailed out yet. They told me they are still working on closing the account and it won't be until XX/XX/XXXX that they mail the check. They also verified that the check cleared on their end. They also refuse to give me a reason as to why they are closing down the account. They pushed back the date from XX/XX/XXXX to XX/XX/XXXX, and they are holding on to funds that have already been cleared. This has been an absolute horrible experience with Bank of America!

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 2023-02-09
Company: REGIONS FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Thursday, XX/XX/XXXX at XXXX XXXX I went to my atm and deposited XXXX XXXX XXXX  bills equally {$600.00}. I can only deposit 30 units at a time so I counted 30 beforehand. It took a long time to process and gave my card back while saying my transaction was cancelled. It printed out a receipt saying there was a problem returning my money and to contact my bank. Last time this happened I had to wait almost two weeks to get my money back ( it was also {$600.00} ) because Regions bank said that the people who work on the atm only come out on Wednesdays and they need to make sure it really was {$600.00}. When I got my money back it was only {$300.00}. They told me there was nothing they could do.

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 monetary relief
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: NJ
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:
rerpoting incorrect information 15 U.S.C 1681 SECTION 604 A SECTION 2 FAIR REPORTING ACT XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX I do not recognize these inquiries on my credit report and did not authorize them to my knowledge. I have reached out to companies regarding these inquiries and have not received any responses on multiple dates.

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to express my deep frustration and concern regarding the repeated attempts I have made to have a charge-off account removed from my credit report. Despite my persistent efforts, this charge-off account continues to negatively impact my creditworthiness. I am writing this letter to bring this matter to your attention and request an immediate resolution. 
I am fully aware of the importance of accurate credit reporting and how it affects my ability to access financial services and opportunities. The continued presence of this incorrect charge-off account on my credit report has caused significant financial harm, making it challenging for me to secure credit, loans, and other financial transactions. 

I kindly request that your bureau takes immediate and thorough action to investigate and remove the inaccurate charge-off account mentioned below from my credit report. Furthermore, I urge you to provide me with a written explanation detailing the steps taken to correct this inaccuracy, along with a timeline for its removal. Clarity regarding this process is crucial for me to understand when the issue will be resolved. 

Should this charge-off account persist on my credit report without corrective action, I may have no choice but to explore legal remedies available under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. Please assist me to removed this charge off account : XXXX XXXX XXXX XXXX Balance : {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 2023-04-17
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: Information belongs to someone else

Complaint:
Hello i'm writing regarding account on my credit reports that do not belong to me and was opened fraudulently i tried to handle the issue with credit bureaus but not a big help its still there.I checked my credit report and they had a wrong date of birth and addresses there to which i sent credit bureaus copy of my driver license with my real date of birth and an ftc report in which they did not responded and the account still remains on my report dramatically lowering my credit score.I will go ahead and attach the FTC report to my complaint and i expect credit bureaus to block inaccurate information.I also went ahead and talked to the creditor and found out that whatever information they have on their end the account that was opened under my social security number did not match with my date of birth or address that i reside on. 
XXXX XXXX XXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Merchants Credit Corporation
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX I checked my XXXX XXXX account when I noticed a 16 point drop, said I had a negative inquiry, I have Immaculate credit no Collections and I pay my bills on time, I was very surprised, their was a radiology bill in the derogatory marks section of my XXXX report. I immediately called XXXX  to find out more information about it I was told that it posted on XX/XX/XXXX it did not become available to me and till XX/XX/XXXX, I filed a dispute and called XXXX XXXX to find out why I had a bill and why I was not notified, apparently they sent it to the wrong insurance company, had my address as the insurance company it was for XXXX dollars from XXXX, I asked the quickest way to resolve this that I had insurance and they should have paid it, they said the quickest way to resolve was to pay the bill but I couldn't pay them I had to pay Merchant collection agency in XXXX Washington I immediately got off the phone and called Merchants collection agency the lady that I spoke to told me that the good news was that as long as I paid the now {$46.00} collection day that it would be reported and taken off so I went ahead and immediately paid the {$46.00} and that was that XX/XX/XXXX I got on my XXXX XXXX account first thing in the morning to check and noticed that the collection was still showing unpaid and their, I immediately called XXXX they said it was still showing unpaid, I called Merchant credit agency and told them I had paid bill and what I was told they basically told me that they will report it when they want and that they have thousands of people with debt and their not going to report one debt paid, im very frustrated, this was a bill that was to be paid by my insurance, but to resolve the issue it only being XXXX dollars I paid it, I want the bill showed as paid and to be removed, I had excellent credit, now it shows good, I dont want it to catch on to my XXXX and XXXX as it has not yet happened, this does not sound right to me, if a bill is paid it should be reported as paid

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 2023-04-18
Company: EQUIFAX, INC.
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$350000.00} XXXX XXXX XXXX Balance Owed : {$2500.00} This complaint is my follow-up to notify you to verify the listed accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 try to get all three of my credit history from XXXX  TransUnion XXXX  and it's saying that my home address is XXXX XXXX XXXX XXXX XXXX Nevada XXXX I don't know who address that is or who it belongs to but that is not mine and every time I try to file online with that information or to give my personal correct information it won't go through I'm going to circles and having problems to be able to correct all these information I started on XX/XX/XXXX of 2021 all the way through XX/XX/2021 up until today XX/XX/2021 I put a fraud alert and I put a freeze on all three at least I tried to

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 2021-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I did not consent to this negative and inaccurate information to appear on MY credit/consumer report. Please remove!

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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXXXXXX XX/XX/17 This payment completes the settlement on your XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-03-29
Company: CITIBANK, N.A.
State: FL
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've recently disputed about this sears credit on all three of my credit reports XXXX, XXXX  and XXXX  on XX/XX/2020 XX/XX/2020 and XX/XX/2020. I haven't received any accurate proof about this account on my XXXX and and XXXX  account. The amount owed is {$1100.00} but has not been verified on my XXXX XXXX or XXXX   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 2021-11-10
Company: BARCLAYS BANK DELAWARE
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 have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

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 2022-04-21
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
dept of telnet is on my credit report multiples times same amount. I have sent XXXXXXXX XXXX XXXX.a written letter to please provide proof with original contract.i have given them over 7 years.they failed to do so. and refused to take it off I also sent them letters regarding fair credit action.they still refused to remove it. with no proof I would like this off of my credit report please it has put damage on my credit report for years I have been sending letters asking them to send proof they never do.i just want my life so I can buy a home. there also credit inquires I've been disputing as well. I send letters out every day fighting for what's right please please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX is not the secure and safe money transfer service that they claim to be. Because of the fact that it is OWNED by the major banks including my bank ( Truist ), one is lead to believe that the service would come with the protections that your other banking services do. This is NOT the case. In fact, though not clearly stated anywhere in the XXXX term of service, there is a small clause that states that " transactions authorized by the sender are not protected '' and that the primary purpose of the program is to ONLY send between family and friends that you know. 
On Tuesday XX/XX/2021, I was looking for tickets to the XXXX XXXX in XXXX, GA. I live in XXXX and am a huge XXXX fan. I am part of a large email chain of fellow retired individuals who keep in touch. I sent an email asking if anyone knew or had extra tickets for sale and posted my phone number. An hour or so later I received a call from a XXXX XXXX who said he saw the email and had tickets. They were {$560.00} for two. I was to XXXX the funds to him which I did. 
Obviously I never received the tickets and when I called the bank to file a complaint I was told it would be investigated and there would be a " good chance '' I could recover my money. It has been 14 days and I have heard nothing, received no funds and have had no call or contact from Truist.

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 2023-02-08
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The XXXX Ultimate Rewards card is a scam. I keep receiving fees on a credit card that I have already paid off. I have to login into the comenity website to find my statements and by the time I do that, my bill is late, the interest rate is straight up robbery. They don't even email you your bill in time, you have to go look for it if you signed up for " paperless statements ''. When the associate at XXXX told me about their card, I was promised monthly gifts every time I used the CC. The last few months I went in to XXXX to pick up something small, I asked XXXX of their associates about it and the girl behind the counter was like, " sorry, we don't have anything ''. You don't get any gifts or rewards they promise. This company needs to be under investigation. EVER EVER EVER sign up for this horrible credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I acquired my home from JP Morgan Chase in XX/XX/1999, I never received the Purchase Money Loan ( Cash Advance ) from JP Morgan Chase Bank, I signed a Promissary Note which doesn't constitute a loan, My mortgage was the agreement that pledged the property as collateral for a loan. I haven't been notified of Acceptance so I paid for and Offer that is currently filed in XXXX XXXX XXXX XXXX. Loans means debt evidence by promissory note plus interest. JP MORGAN CHASE BANK needs to show proof of interest in my private property. This is Fraud 18 USC 1001, slavery forced compliance to contracts not held 18 USC 3571 also Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: Early Warning Services, LLC
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I received a call supposedly from XXXX XXXX ( and it came up on my phone as that ) They got my checking account #, some how went through Zelle and took {$500.00} dollars out of my checking account. 
My bank said that they tried to recover the funds from Zelle and were unable to. 
So now I am out {$500.00} and my bank doesn't do lending and I don't know why when CLEARLY IT WAS FRAUD that even Zelle can't refund me the money. Its alot of money plus the holiday but I just need to pay my bills and not bounce my checks. XXXX dollars is one thing but XXXX is ridiculous. If there is any way in helping me get my money back I would appreciate it. If you need any other info let me know. Or if you can't help who am I suppose to be contacting.

Company response to consumer: Closed with explanation