BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
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:
I filled for unemployment two years ago during XXXX an I got it I was awarded like XXXX $ in back pay an my unemployment every 2 weeks.. they sent me a debit card an I done what I was supposed to do.. I called bank of America an the number on back of the card an it would tell me my balance but when I went to use it the card would not work.. I cal them an talked to them servil times an they would always look up my account and tell me what I had an that it would take them a few days to get it fixed. I went to XXXX over not paying my child support and a couple different times and now I'm out. I called bank of America yesterday and now they can't find my account or my money.. I have to have this money to be able to live an pay my support or I go to XXXX.. so what can I do to get my money. Or are they going to go to XXXX an do the time for me ..my phone number is XXXX an my email is XXXX. can you 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
Consumer complaint received 2023-03-30
Company: Experian Information Solutions 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:
I called this company my ex used my name on account for hospital possibly. But this is definitely not mine.

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 2023-03-30
Company: EQUIFAX, 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:
The Account I am disputing do not relate to any transactions that I have made or authorized. Please remove this account at the earliest possible time. Also, I have doubts about the accuracy and the reported payment history on this account is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX XXXX  Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company is Comenity Bank represented for Victorias Secret. The representative used abusive language and tones and threatened myself if I did not return the call ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got 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 non-monetary relief
Consumer complaint received 2023-11-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 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, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$32.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$8100.00} ; XXXX XXXX XXXX Balance Owed : {$1800.00} ; XXXX  XXXX Balance Owed : {$180.00} ; XXXX  XXXX Balance Owed : {$620.00} ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX  XXXX ; XXXX XXXX XX/XX/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 response to consumer: In progress
Consumer complaint received 2023-03-29
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened checking account and enrolled in the Truist One Checking {$400.00} Offer XXXX XXXX XXXX at a Truist branch on XX/XX/XXXX. At that time I received an email saying " Thank you for enrolling in the Truist Truist One Checking {$400.00} Offer XXXX XXXX. Your enrollment is currently being reviewed to verify eligibility. Once we verify eligibility, you will receive an email confirmation within 7 - 10 business days. '' But after about one week before I made any direct deposit, I received such an email : " During our final review, we noticed that you did not meet all qualification requirements of the offer, therefore, the reward will not be processed. '' In their website it shows " The checking account must be in good standing with a balance equal to or greater than {$0.00} at the time of qualification. The account was checked for qualification the week of XX/XX/XXXX. '' But at time I didn't enroll in the offer successfully so I don't think they need to check this part.

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 2023-03-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done may attempts to reach out to 3 Credit Bureaus but the failed to give me any results or feedback 's about this concern. Please investigate and remove it from my personal credit file. Thank you. INQUIRIES : XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX  XXXX Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX Date XXXX Balance Owed : {$460.00}, XXXX OF XXXX XXXX Date XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$17000.00}, U S DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, U S DEPT OF ED/XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$0.00}XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$460.00} XXXX U S DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DP OF XXXX XXXX Date Opened:07/01/2015 Balance Owed : {$0.00}

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 2023-03-29
Company: Experian Information Solutions Inc.
State: WA
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:
Account name : XXXX XXXX XXXX Account number : XXXX Account type : Debt Buyer Date opened : XX/XX/XXXX Status : Collection account. {$450.00} past due as of XX/XX/XXXX. 

XXXX updated : XX/XX/XXXX XXXX : {$450.00} XXXX updated : XX/XX/XXXX This is an inaccurate credit reporting that I don't recognize. I filed a dispute with Experian, XXXX, and XXXX. But for whatever reason it remained on my credit report. They haven't provided any information on how exactly they verified the debt.

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 2023-03-29
Company: Experian Information Solutions Inc.
State: WA
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. 

Account number : XXXX Account type : Unsecured Date opened : XX/XX/XXXX Status : Open. {$57.00} past due as of XX/XX/XXXX. 

Status updated : XX/XX/XXXX Balance : {$57.00} Balance updated : XX/XX/XXXX This is an inaccurate credit reporting that I don't recognize. I filed a dispute with Experian, XXXX, and XXXX. But for whatever reason it remained on my credit report. They haven't provided any information on how exactly they verified the debt.

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 2023-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Overdraft, savings, or rewards features

Complaint:
I am writing to file a complaint against XXXX regarding their failure to redeem my rewards and inability to log in to my account. I previously submitted a complaint XXXX XXXXXXXX to the company and received a response that I should be able to redeem my rewards. However, I am still unable to access my account and redeem my rewards. 

On XX/XX/2023, I attempted to log in to my XXXX account to redeem my rewards. However, I was unable to log in despite entering the correct login credentials. I attempted to reset my password multiple times, but the system did not recognize my email address associated with my account. 

I believe that XXXX has failed to provide adequate support and services to me as a consumer. Their inability to resolve my issue in a timely manner has caused me significant frustration and inconvenience. 

I request that XXXX resolve this issue immediately by providing me with access to my account and allowing me to redeem my rewards. I also request that they improve their customer service and support to ensure that other consumers do not experience similar issues in the future. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My PayPal account has been suddenly permanently limited without any valid reason and the funds inmy account have been put on hold for 180 days. 
I tried to get help from PayPal 's customer serviceteam but they said that they won't be able to help me regarding account restoration.I have been usingthe account for some time now and always work in good faith and follow all the policies and useragreements as stated and agreed upon while I signed up for the account. 

I have taken every step tominimize the risks associated with my account however PayPal still permanently limited my accountstating there's potential risk associated with it. 
I would request any information as to why PayPal feltthey had to limit the account. There is no reason to permanently close my account as I believe I haven'tdone anything wrong that led to its closure.Therefore, I would request PayPal to please re-investigatethe issue and help to resolve it. I am willing to provide any information needed for the investigationand to help restore the account back. I am willing to work with PayPal collaboratively to minimize theperceived risk. I would request you to please help me to get my account reinstated. 

Reference lD : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Trident Asset Management, L.L.C.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. The information listed below, which appears on my XXXX credit report, does not relate to any transaction ( s ) I have made. It is the result of identity theft. FRAUDULENT ACCOUNTS : XXXX XXXX - more than {$700.00} collection reported to XXXX XXXX XXXX XXXX TRIDENT ASSET MANAGEMENT XXXX XXXX - more than {$700.00} collection reported to XXXX I have reported these fraudulent accounts to the companies listed above, requesting credit validation, debt validation, or anything they can provide me to prove ownership. It has been years, and I am still fighting with these fraudulent companies to REMOVE such collections because I DO NOT OWN or OWNED THESE ACCOUNTS. I am still waiting to receive a collection letter, debt notifications, credit card account, information of such, or anything to let me know I was getting reporting to collection agencies to allow me to challenge such with proof of my identity. I am also submitting an Identity theft report and evidence of my identity, and I request these companies to stop damaging my reputation and to remove such fraudulent items from my credit report with XXXX. Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. I appreciate your prompt attention to this matter and await your reply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
There is a feature on the Capital One credit card that allows you to do virtual card purchases. Everyone has it even my husband. I have been using this feature for longerthan 4 years.I got on today to purchase my college transcripts andthe button was removed from my account. I called Capital One to find out what was going on and was told that the button was removed from my account because they were concerned about security and a bunch of other excuses. When I asked them why my account wasn't Frozen advising them i work in XXXX and also know aboutXXXX for my account and if they were concerned about security they started to back pedal and say it wasn't a security concern that they just had removed it from my account. 
I feel like I am being discriminated against since everyone else has the ability to use this. My husband still has this feature on his account so this is not some kind of privacy I was blatantly told this button was perfectly removed from my account and they will not give me an answer as to when I am going to get it back. They just tell me to check back from time to time. The other problem becomes that when I regenerate my virtual card numbers it ends the card before that. I can not end the card that I opened yesterday because they took away my ability to do that. I've talked to two senior-level people in this company and I advise the last one that I think that this is discrimination since everybody else has this ability but they have taken it away from me. It is not fair I have had a long and good standing account this Bank I currently hold over {$5000.00} and have never had a negative account.They advertise tremendously on their website and all over on my credit card page about this virtual card ability to be able to get a virtual card whenever I need it for the protection of my account and now they are doing things like this to people?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: State Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Performed a routine, preventative XXXX  in XX/XX/2022, at XXXX XXXX. XXXX  are done every couple of years as a routine preventative measure for those with XXXX XXXX, including myself. There was no emergency at the time, and this was not an ER visit. 

Had active medical insurance at the time under XXXX. XXXX terms and conditions advertised 100 % coverage of preventative services. XXXX had also sent me written communication saying the XXXX  was covered under my insurance and pre-approved. 

A few months later, XXXX had only paid a portion of the amount to XXXX XXXX ( rather than 100 % ), and claimed in communications that the service was not preventative, leaving me with a balance of $ XXXX. XXXX XXXX claimed in communications they had billed it as preventative. XXXX XXXX was unwilling to work with me, and referred it to State Collection Service , Inc., a debt collector. 

I responded to the debt collector disputing the debt, saying it is not my debt, and that they should collect the amount from XXXX. They are still trying to collect from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: PENNYMAC LOAN SERVICES, LLC.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PennyMac failed to pay my homeowner 's insurance on time from my escrow account resulting in me have to call both PennyMac and my insurance agent to ensure that my house would be covered during the lapsed period of time. This is the basic job of an escrow account and PennyMac has shown an inability to perform that job. I requested deletion of my escrow account, however PennyMac will not provide me relief from their terrible " service ''. If my mortgage servicer can not do its basic job, then I should be able to remove the requirement for my money to be escrowed by them. The only person suffering here is me. There is no penalty to PennyMac for failure to do their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2023-11-25
Company: Bright Capital Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Hello, I have been with Bright Money for a few months now and I have no had an issue until this month. This XXXX, I've noticed that I've gotten returned checking fee at an alarming rate. At first, I didn't think nothing of it. Until it started to stack up and suddenly I'm getting hit with XXXX, then XXXX and now almost XXXX in overdraft fees. I've talked with my bank and putt in a stop pay on them and they still managed to charge it through. I've talked with one of their reps and they assumed me that I wouldn't be charged any more on XX/XX/XXXX. It's currently Saturday, XX/XX/2023 and it's frustrating because I feel like my whole checks are going to be eaten up. All this month, I've had Bright Money charged my account to proc an returned check fee without my knowledge. 

The returned checking fees started on XX/XX/XXXX. Then it charged me again on XX/XX/XXXX, XXXX, and XXXX. 

My bank statement for XXXX is not ready as of the moment, but I am willing to provide the statements.

Company response to consumer: Closed with explanation