BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I received XXXX emails on XX/XX/XXXX confirming that my new accounts were opened. I never authorized these accounts. There is a freeze on my credit report which means these accounts were opened without proper verbal approval from me. Confirmation numbers : XXXX - account ending in XXXX XXXX - account ending in XXXX Since then, the account ending in XXXX has been closed. But, the checking account ending in XXXX has not. I received correspondence in the mail from Bank of America requesting that I send in information including my social security number and other documents to " Identify that I am who I say I am '' to prove that this account was opened fraudulently. Bank of America already mishandled my personal information once and I don't feel comfortable sending them that information. They had no issue opening a checking account and issuing a debit card before they were able to " identify that I am who I say I am ''. 

I have since received XXXX separate notices that checks are trying to be deposited into this account and other banks are alleging that fraudulent activity is being conducted in my name. This account MUST be closed.

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 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
ON OR ABOUT XX/XX/2020 TRANSUNION RECEIVED A DISPUTE FROM ME PERTAINING AND UNVERIFIABLE, INACCURATE AND INCOMPLETE ITEM REPORTING IN MY CREDIT REPORT. 30 DAYS PASSED AND TRANSUNION FAILED TO RESPOND TO MY DISPUTE, IN ADDITION THEY FAILED TO PROVIDE THE INFORMATION ON FILE. PURSUANT TO SECTION 609 AS REQUIRED FAIR CREDIT REPORTING. TRANSUNUON HAS OBLIGATION MANTAIN MAXIMUM POSSIBLE ACCURACY ON MY CREDIT FILE AND HAVE FAILED TO DO SO

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 2023-01-07
Company: REGIONS FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was offered a BP master card gas card with a {$5000.00} credit line. I put a {$1500.00} deposit down to secure this line of credit. I received the card and began using it. I entered my bank information on the website to make my first payment. The first payment was made successfully. 

Then, on XX/XX/2022 my card was declined and I called to ask why. They assured me it was active and that it was working. I went to the gas station and it got declined again. I have tried to use the card many more times and it gets declined every time as shown in transaction history. I have called and talked to customer service and my account rep and they assured me that it is working, but it is simply not working. 

My next invoice became due and I scheduled my payment using the same account I used for my first payment that was saved on the website. This time the payment did not go through for some reason. I checked with my bank and they say that they show no such transaction and there is no reason the payment wouldn't go through. 

I called customer service and again and they reprocessed the transaction. This time it was successful but I was told that it was considered a late payment and that my account would be frozen for a week. I said that my account has not worked for over a month and they said it will work after a week. It still does not work. 

I have included the many emails I have sent to my account rep with no response. 

I just got off the phone today with customer service and they said well your account has is not active so thats the reason it is not working. I am not able to help you though. 

I am past the point of frustration and

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 2021-07-17
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Accounts are not properly verified during disputes, Outdated information, Incorrect account numbers, Accounts that have been re-aged, Credit card account not reporting the credit limit, Charge off account showing currently showing past due, Open charge off accounts, Collection accounts with a credit limit, Closed accounts reported as open, Incorrect date of last payment, date opened, or date of first delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Convergent Resources, Inc.
State: MI
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 a fraudulent account for XXXX XXXX I have reached out four times letting the company know the account is fraudulent the account number # XXXX for {$4100.00}

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 explanation
Consumer complaint received 2023-08-06
Company: EQUIFAX, INC.
State: AL
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:
Equifax again. On XX/XX/2023, I sent Equifax XXXX documents by certified mail to block and remove fraudulent accounts from my credit report because I am a victim of identity theft. On XX/XX/XXXX, XXXX, XXXX, XXXX, and XXXX 2023, I called Equifax at XXXX Now. Keep in mind neither XXXX of the Equifax Agents are US based. And it was very difficult to understand because of there language and comprehension is XXXX XXXX Bad. Nevertheless, it was confirmed that the documents was received. And in the cover letter I clearly stated that, I wanted to block and remove fraudulent accounts from my Equifax Credit Report I included XXXX documents 1. Cover letter, 2. Copy of FCRA SECTION 605B 15 U.s.C 1681c- 2 which give Credit Reporting agencies the power to block fraudulent accounts. 3. FTC REPORT 4.POLICE REPORT 5.Copy of SS card 6.Copy of Driver license 7.Proof of address. Now with all of the information needed to block the said fraudulent accounts with in the 4 business days as prescribed by law, I have attached to this report all 11 documents I Sent Certified Mail to this company as exhibit ( A ). And Exhibit ( b ) is the certified mail receipt. After taking to the people at Equifax I was told that we can't block the information from my report this is Equifax policy and procedures and it's in dispute, the letter clearly stated I wanted to block and remove fraudulent accounts from my report so therefore I have to wait 30 days to investigate. Keey in mind that I disputed this before and nothing was done. EQUIFAX INFORMATION SERVICES AND ITS OVERSEAS AGENT ARE XXXX AND IM ASKING THE OUR FEDERAL GOVERNMENT DUE SOMETHING ABOUT THESE CREDIT REPORT AGENCIES NOT GOING BY AND MIS HANDLING TITLE 15 SECTION 1681 THESE CREDIT REPORT AGENCIES DOING WHAT THE XXXX THEY WAN NA DUE WHICH IS WRONG SO THERE THIS TIME I WANT PUNITIVE DAMEGES AS PROSCRIBED MY LAW..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I filed bankruptcy years ago and my private student loan was discharged but Navient said no student loan could be discharged ( not even private ) and ignored the discharge continued collections for many years later I was forced to make a lump sum large payment settlement of I believe XXXX dollars after already discharged years before due to ongoing collection activity

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
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/XXXX, I purchased a car at XXXX of XXXX for the amount {$43000.00}, I had been making a payment since XX/XX/XXXX. l recently noticed that capitalone took more interest rate than the money that goes to the principal account. I asked them about it and why, and all they could tell me is, if I know that I signed up for daily interest. I answered that I know what I signed up for, I went to XXXX of XXXX to get the fact and documents I signed, it was completely different from what Capital was saying. 
my car payment is due on the XXXX  of each month, and I was told I have a grace till the XXXX  of each Month. because of my income and being a single mom, I schedule an automatic debit for the XXXX  of every month so I won't have to forget the loan payments. I make all my payments from XX/XX/XXXX till XX/XX/XXXX, I never missed any of my payments at all, and I still have my car with me to date. I checked my XXXX  XXXX and to my surprise, I found that XXXX reported me for no payment dropping my credit score by 10 % in just one or two days my credit went up. this is the heart of wickedness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive calls day and night from all over the country from a company called Midland Credit Management ( XXXX ). 

I have no outstanding debts, nothing on my credit report, yet they call from dozens of different numbers. I've had them call when I was waiting for XXXX calls with my doctor causing me to miss my call. It's incessant! 

This is clearly harassment on the Part of Midland Credit management and I want it to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: FL
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:
I request that you eliminate the erroneous late payment from my account. Given my track record of timely payments, it is unjust for me to be penalized for an error that is beyond my control.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-21
Company: ALLY FINANCIAL INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been attempting to work with Ally to get this issue mitigated and was promised a resolution at end of XXXX but it just keeps getting worse. Ally incorrectly made an extra property tax payment in XXXX ( after missing to pay a payment ) that resulted in a negative balance to my escrow account and my annual interest statement being incorrect. This has also negativity impacted my new escrow statement and increased my payments. I've requested Ally to resolve by applying the incorrect tax payment which was refunded to them by the county to my escrow account. This finally occurred last week. I was told I would be refunded the resulting overage to my escrow account. This has not happened. Nor was this overage reflected on my escrow true up statement for the upcoming year. Instead on Friday I noticed that Ally made 2 property tax payments this week - one was correct and the other was not due until XXXX. 
Instead of responding to my request for an update they made a reference to my XXXX information. I did not have a mortgage with them in XXXX. 
I am getting no answers from Ally. They keep mailing me the same information over and over ( literally the same printout repetitively ) and provide no updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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 am filing a complaint for improper use of credit report. In accordance with the Fair Credit Reporting ACT : these credit reporting agencies XXXX and Transunion has violated my rights. According to USC-15 1681a ( 2 ) ( 1 ) under exclusions - this is illegal and they may not treat a payment late for any purpose ie. document PAYMENTS as late creditors can't make THIS claim. Also 15-USC-1681 Sec- 602 states " I have a right to privacy '' and 15-USC 1681 sec 604a ( 3 ) - a consumer reporting agency can't furnish a consumer report to a user unless there is a permissible purpose and my written instruction. To to do is in direct violation with 15-USC 1681 SEC.604 ( f ). Prohibits any person from obtaining a consumer report from a consumer. These accounts are in direct correlation with the aforementioned FCRA codes that have been violated. This has happened with my 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 2023-01-07
Company: BARCLAYS BANK DELAWARE
State: CA
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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2022, I called Barclays Bank to cancel my credit card account. They advised me the credit card account was 90 days past due. On XX/XX/2022, late fees were reversed and I paid the account in full. I requested the account to be closed. In 2022, Barclays Bank failed to send statements due to XXXX XXXX. The Barclays Bank credit card was set up for automatic payment of full balance due if the amount for the ebill was {$1000.00} or less via XXXX XXXXXXXX XXXX XXXX Online Banking. XXXX XXXX XXXX  issued a letter dated XX/XX/2022 stating that my Barclays Bank credit card was enrolled in ebills. XXXX XXXX bank did not receive any ebills from Barclays bank in the year 2022. This information was submitted to Barclays Bank as proof that no bill was sent to me. In a letter dated XX/XX/2022 Barclays bank received the dispute and believed that their information was accurate and refused to correct 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 2023-01-05
Company: Resurgent Capital Services L.P.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
They email my ex wife to try to get to me they should have no contact with her the Debt company is LVNV They bought it from XXXX XXXX  compabout 12 years ago the amount is for {$410.00} they should not contact her to get to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
So out of the blue, after once again sending PayPal verification docs for a temp limitation ; they banned my account with no ability to do anything with my CRYPTOCURRENCY which is totally separate from PayPal t/c and being able to just suspend ; they cant not allow me do crypto transactions too my other crypto wallet

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Bread Financial Holdings, Inc.
State: WA
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 rewards from credit card

Complaint:
On XX/XX/XXXX I requested to cash out my rewards as a direct deposit to my bank checking account. They confirmed my request with the following email : XXXX, XXXX XXXX Account XXXX in XXXX Congrats! You redeemed your rewards Dear XXXX, You successfully requested a direct deposit on XX/XX/XXXX. Well apply this deposit to your bank account ending in... XXXX. The timing of the deposit will depend on your bank. 

Redemption Date : XX/XX/XXXX Redemption Amount : {$1000.00} Thanks for being a cardholder! 
Visit Account Center About this Activity We sent this message to confirm your direct deposit redemption. 

Questions or Concerns Visit Account Center for easy access to frequently asked questions. Our XXXX XXXX team is here to help, too. Just call us at XXXX ( XXXX ). 

Copyright XXXX Bread XXXX. This site gives access to services offered by Comenity Capital Bank, which is part of Bread XXXX. 
XXXX XXXX XXXX XXXX XXXX Credit Card Accounts are issued by Comenity Capital Bank. XXXX is issued pursuant to a license from XXXX XXXX XXXX Visa is a registered trademark XXXX XXXX XXXX XXXX XXXX and used under license. 
Please do not respond to this email. Replies to this address can not be serviced. To ensure delivery, please add XXXX to your safe senders list. 

Privacy | Security | XXXX I called their customer service in XXXX as I had not received my deposit and was informed that though it had been more than 30 days the deposit takes up to 45 days. The customer service representative did contact her supervisor and turned my issue over to the supervisor. 

On XX/XX/XXXX I again contacted customer serrvice as I was now over 60 days out from the notice of the direct deposit. I spoke to XXXX who gave me a number as reference of XXXX. I asked if I could speak to a supervisor and he said no as they already were taking care of my issue from my first call to customer service. 

I would like the direct deposit to occur immediately as I am now over XXXX months out. I did tell XXXX that I would not use the credit card at all until the deposit is made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-02
Company: Total Card, Inc.
State: AZ
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: Their investigation did not fix an error on your report

Complaint:
- This company is reporting my account as 30 days past due for the month of   XXXX   but I have made my payments on time.     - Last month it showed that   XXXX   was 30 days past due but once it updated, it showed that  XXXX , was in fact, not 30 days past due but is now showing  XXXX  was.     -Prior to that, it showed that  XXXX  was 30 days past due but once it updated, it showed that  XXXX , was in fact, not 20 days past due but stated that   XXXX   was.     This is very confusing and seems to be a system glitch that continues to carry forward into the current month. I anticipate that once my   XXXX   payment ( made  XXXX  ) reflects on my account, it will show  XXXX  as past due. For the record, I paid   XXXX   's payment on   X/X   which was the total remaining balance leaving me with a zero balance. This was paid in an effort to stop this from continuing.      Below  is my payment history since the beginning of the year. My normal monthly payment is due on the  XXXX  of every month.      XX/XX/2017      XXXX   XX/XX/2017       XXXX     XX/XX/2017    XXXX      XXXX    XXXX    XXXX    XXXX   XX/XX/2017    XXXX     XX/XX/2017    XXXX    XX/XX/2017   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
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 had a personal loan from a company called XXXX XXXX. I had a 24 month loan, which I repaid in full in XX/XX/2022. Since XX/XX/2022, XXXX has failed to update my Equifax credit report even though I have asked them to do so many times. I submitted a dispute with Equifax and they found that I still have a balance of {$1300.00} owing to XXXX which is simply untrue. I would be able to download and attach the loan repayment schedule, but XXXX was acquired by a larger company named XXXX XXXX, and I no longer have access to log in to their portal and pull my loan payoff certificate. So my complaint is against XXXX XXXX, XXXX XXXX, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Yes i open a checking account and saving account threw this company. I pick my debit card. They sent all my info to me and card. But they closed account due to my ip being know fraud they say. Which is XXXX. i check my ip and had tech check my ip and it is clear as day. So they lying. Didn't let me do anything with this account. They should just deny me from beginning. Bad business and not recommended.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 credit reporting agencies XXXX, XXXX and TransUnion is reporting a closed XXXX  XXXX account # XXXX opened on XX/XX/2015. This account is fraud and don't belong to 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 non-monetary relief