BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Hi, I am requesting your support. I have been a loyal CapitalOne customer and I'm so disgruntled at the level of service I've received with this issue. 

I filed a claim with Capital One and received a provisional credit for the full amount. Several weeks later, I received an email requesting additional information which I immediately provided. 

Last week, I checked my account to see a reversal of the full amount, leaving my account in the red. This is my account that I pay my rent with and my most recent paycheck was deposited here. I never received any communications from your team about the status of the dispute and I'm so upset and hurt that this has happened to me. 

On Monday, XX/XX/2020, I booked two all-inclusive tickets to the XXXX XXXX using XXXX Pay-delay feature. I booked the trip using my XXXX XXXX  Account. Note : I am still waiting on a response from XXXX regarding this. 

On Friday, XX/XX/2020, I decided to pay off the trip in full using my Capital One debit card. The total was {$1300.00}. 

For several days, starting the week of Monday, XX/XX/2020, I tried to reach out to XXXX  through a variety of ways including phone calls, emails, and social media. None of my attempts were successful. 

I then went back to their website to find a notice : XXXX has now canceled all future bookings at resorts located in non-US destinations. We have also been officially notified that most of these resorts have closed temporarily, as air travel into their destinations is not possible at this time. Your RESORT booking has been canceled automatically. All upcoming XXXX payments for upcoming travel have been canceled. As we are currently unable to process refunds to you, please contact your bank for options available to you as a cardholder This is a very unfortunate and very inconvenient situation. I should not have to lose thousands of dollars because of this companys negligence and they need to pay up. Before they closed all their social media accounts, there were several reports of customers who are going through the same thing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Since making my complaint against Bank Of America and bad business practices, for neglecting my disputes and investigating my claims and acting in my best interest against offenders committing deceptive business practices. Bank of America has only completed XXXX claims and paid them out after forcing me to withdraw my claims or risk not having access to my funds for over 45 days. Please reference complaints XXXX, XXXX. My claims were only re-opened and settled after submitting complaints to the cdpb. I had to withdraw claims totaling over {$40000.00} and they have only settled XXXX claims totaling approx. {$14000.00}. I wish my cases to be published and be heard by as many people and bank members as possible to see what this bank is willing to do to its members just simply by not wanting to continue with a fraud investigation.

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 2023-04-12
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 recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all Information that is inaccurate, incomplete, or which can not be verified It is also my understanding that Under the FCRA 15 U.S.C. 16811, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as rollows : Alleging Creditor and Account as is reported as having a late payment my credit report : XXXX XXXX XXXX, XXXX XXXX  and XXXX are reporting late payments in the past. 
I am demanding that this account be updated to Paid as Agreed and Never Late. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance

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 2023-05-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
According to my research about FCRA 605, Equifax Credit Bureau is required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : ( Original Creditor : XXXX  ) XXXX Balance : {$1100.00} ; XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Receivable Solutions, Inc.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Beginning in XX/XX/2020 I began working to correct issues related to my credit report that contained medical collections. These medical collections were supposed to be covered my insurance but for some reason they werent processed incorrectly and not in a timely fashion and when I found out the items had been sent to collections agencies. I reached out to Receivable Solutions INC to make arrangements to clear the debts and was told that they did not have any items in their office for me, I asked the agency to remove the items that they were reporting. Nothing has been removed as of yet, I have also sent certified letters requesting that those items be removed and have not received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. 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. Please let me know if you need any other information from me to block this information from my credit report. Thank you.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 2021-10-19
Company: EQUIFAX, INC.
State: TN
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:
On XXXX I sent a letter to each of the credit bureaus because I bankruptcy on my credit report is not reporting 100 % accurately as it should be per the FCRA. Each of the bureaus sent a letter back saying they the information was correct and that they received the information from either XXXX XXXX or from my local court. On XX/XX/ I sent another letter to each of the credit bureaus again stating that I had already contacted XXXX XXXX and had my account frozen months ago because of a personal matter and I provided them with proof that my XXXX XXXX account was frozen so they blatantly lied about verifying the accuracy of the information! I also contacted my local court to see if they could provide clarity and they said they had not sent any information to the credit bureaus. I also sent proof of this to each of the three bureaus. I sent my last communication to them certified mail to keep a track record, I'm also taking great notes of our communication. The FCRA states that the information that they are reporting should be 100 % accurate and verifiable. They have failed miserably to verify my information. They are only sending me canned responses as if they dont care about the information reporting wrong. I plan to take steps to sue EACH of them and thats why I'm taking notes and keeping records

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Medical Data Systems, Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt has been disputed MULTIPLE times. When they have called, I have asked for things in writing. The only paperwork received is " settlement offers '' - no verification of debt. 
The medical procedure they are claiming this debt was for was paid by my health insurance. 

It is being reported to my credit, and when I called to take them up on one of their " settlement offers '' to get it off my credit, they refused because I would not provide my financial information. 

My financial information was not needed for their " settlement offers '' previously and they refused to work with me unless I disclosed my financial information.

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 2023-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX Bank of America locked my accounts and proceeded to close them please reference complaint XXXX. They would not provide a valid reason for this action but threatened to have my accounts locked and frozen until my claims were closed. In other words they were wanting me to withdraw my claims to have access to my funds asap. Faced with this problem I proceeded to withdraw my claims to have access to my funds. Numerous times I called the fraud claims department and notified them of police reports pending and asked them how I could submit them, but they just responded to hang on to any evidence until it was requested. This action by Bank of America caused hardship on myself and family, caused me to fall back on my loan payments and has affected my credit worthiness. I am currently seeking legal representation concerning this matter. Thank you for hearing this matter

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 2023-08-15
Company: TRANSUNION INTERMEDIATE 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:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and BLOCKED. 

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 2023-03-23
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:
This is my several requests 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 Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX Balance  : {$12000.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX XX/XX/2021

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 2021-10-05
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 noticed fraudulent and inaccurate information on my report. Please delete and update 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 explanation
Consumer complaint received 2023-06-02
Company: Affirm Holdings, Inc
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have been diagnosed with XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX since XX/XX/XXXX. 

On XX/XX/XXXX, a significant medical event occurred. Adhering to my XXXX  instructions, I stopped taking the medication XXXX, resulting in a XXXX  XXXX XXXX. Since then, I have been experiencing XXXX XXXX XXXX XXXX XXXX XXXX XXXX - such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In response, I have been admitted to a XXXX XXXX XXXX XXXX since XX/XX/XXXX. So far, the cost of the medical treatment is currently at {$5600.00} with {$7000.00} pending insurance. 

The treatment costs has increased my expenses which caused me to create a personal financial statement of our monthly household income and our monthly household expenses/debt. Currently, our monthly household expenses/debt {$8800.00} is greater than our monthly household income {$8600.00}. Hence, my husband and I are in insolvency, and we have been notifying all of our creditors of our financial hardship while requesting for financial assistance. 

All of our creditors ( XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX ) but Affirm  have graciously offered us financial assistance. With these esteemed creditors, we have been paying a lower monthly minimum payment at a reduced APR, even with a grace period ranging from one to two months for an extended due date of our first payment on their payment assistance program.

However, Affirm did not offer any financial assistance, and I am in disbelief and disappointed in the business practice of Affirm for their lack of financial hardship policy for customers struggling through events of either that their income has decreased, their expenses have increased, or both. 

Therefore, we come your agency CFPB to help advocate for us in our need for financial assistance from Affirm to retain our home and maintain our households cost of living.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Thrift Investment Corp.
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania, XXXX ( XXXX ) XXXX Dear Consumer Financial Protection Bureau S I BXXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts ) owed are no longer outstanding for the following items : Party Owed : Thrift Investment Amount : {$9400.00} I am disputing this claim due to : I have no knowledge of this account This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed may be additional evidence to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent a letter to Barclays Bank ( USPS Tracking XXXX   XXXX ) that they received on XX/XX/2018. In the letter I asked them to validate a debt according to the Fair Credit Reporting Act ) they are reporting on 2 of my credit bureau reports ( XXXX & XXXX ). However I've not heard from them.

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 2020-07-01
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/2020 J.P.Morgan Chase closed my account. I found out on XXXX XXXX and called the number they gave me when I tried to log into my account that day. I called and was told that my account was closed and Chase would no longer be doing business with me. They would not tell me why. I was told that I would receive my balance in 7 to 10 business days. It is now 13 business days and I haven't been able to get through to a living person as of yet, Their hold time has been in excess of an hour and I have been disconnected 2 times. At present they have received two weeks of paychecks and my social security check as of the XXXX of XXXX XXXXbut I have no access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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  According to FCRA Section 605B ( a ) , the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-03-30
Company: MECHANICS BANK
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Mechanics Bank is where the VA has placed disibility compensation due to congress granting VA the authority to appoint a fiduciary for a VA beneficiary who is rated unable to control or manage his or own affairs or under a legal XXXX and incapable of managing VA benefits in an appropriate manner. In some instances, the appointment of a fiduciary may necessitate the allowance of a fee from the benefits payable to me as payment for the fiduciary services provided. 

The XXXX has been requested to be removed due to incompetence of managing comepensation through the VA to contest their orginal decision, which by the way was denied according to the decision letter that was mailed to my residence. Also the VA failed to acknowledge the medical providers note to remove the fiduciary and overwhelming evidence displaying incompetence by the assigned fiduciary. Recent events really conveyed a clear message to dismantle credit and other finances. This is now viewed as a serious XXXX attack by both XXXX XXXX XXXX and Mechanics Bank. 

Mechanics Bank was alos provided an in depth report regarding credit card payments that were reversed due to false reporting by XXXX XXXX XXXX Payments are typically mailed to the credit card companies, I elected to have the payments processesd electronically due to the fact that mailing was causing delays in payments. Using the routing and account number. Fraud was mis-used by XXXX XXXX XXXX, in which the bank was also warned a head of time to prevent XXXX XXXX XXXX XXXX XXXX XXXX from reporting electronic transactions by me as if they were fraudulent. The bank ignored the warning which was made by telephone. 

I provided the report in the branch managers hands, she handed it back to me and stated that I made deposits into interest savings account. She named them as well. Why this was more important to her than the reversed credit card payments is most likely another example of mis-use of authority and plotting or conspiring with indivduals with mutual interests. This is a an act of terror. The manager and staff as well XXXX XXXX XXXX, is mentally incompetent to be employed in the industry of finance.

Company response to consumer: Closed with explanation