BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-15
Company: Genesis FS Card Services, Inc.
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had received emails that informed me of an outstanding balance on my credit. I have not now, nor have I ever opened a line of credit. Completely unfamiliar with the process, I called my bank and then submitted disputes with all three credit reporting agencies. Only partial progress was made until cooperation was needed from Genesis FS Card Services. 

On 2022 XXXX XXXX at XXXX XXXX XXXX, I called Genesis FS Card Services and spoke to a representative : the system referred me to a live representative and then hung up on me. I called again to speak to a representative who identified herself as " XXXX '' who I informed that the account in question is fraudulent and was not opened by me. I was subsequently placed on hold and then held a conversation with a person who did not initially identify themselves but had a distinctly different accent. This representative directed me to indentitytheft.gov to mail a copy of a document to Genesis FS Card Services XXXX XXXX XXXXXXXX. XXXX, XXXX XXXX and told me it would take 30-60 days to process my claim. This seemed to be an attempt to prolong this process and intentionally make it more difficult to resolve, this is supported by the dismal reviews they have at the XXXX They claimed the account would be frozen and subsequently closed. 

Any investigation into this matter will show a number of inconsistencies with the manner the account was opened, the information given to Genesis FS Card Services to open the account is inconsistent with any address or phone number I own. The time and location that the account was opened should be further proof that I was not the one who opened it. I am an XXXX  military member whose home of record is XXXX, XXXX. I currently reside in XXXX, XXXX  and therefore could not and would not have given an additional address I have never lived in and a new phone number in order to open a new account. Additionally, I have no need to open up a credit account as I have never used credit and have my finances in order, there is no precedent for this behavior in XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-01-26
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Over 45 days ago on XX/XX/2022, I sent letters to XXXX, XXXX, and Experian informing them that I needed the method of how some inaccurate accounts were " verified ''. I have yet to receive a response and I feel this matter is not being handle properly. I feel as if I am being taken as a joke. No response in this amount of time should result in automatic deletion according to the Fair Credit Reporting Act.

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 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 received a copy of my credit reports from Trans Union, XXXX and XXXX. after reviewing all three credit reports ; there is a collection from XXXX XXXX XXXX MO for the amount of {$680.00}. XXXX XXXX XXXX MO does not have the legal authorization to collect this debt from XXXX XXXX this debt is not validated. I request a complete validation of this collection. they have violated the XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX Me and my wife went to Chase Bank to deposit {$20000.00} however we were told there was only {$18000.00}. We then complained to the manager for which he was supposed to call back to fix the problem which he Never did. And on XX/XX/XXXX the same incident occured again, me and my wife went to the same Chase bank to Deposit {$5000.00} but we were told only {$4500.00} was counted. I was very frustrated and angry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: CITIBANK, N.A.
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 information incorrect

Complaint:
I am writing to file a complaint against both Macy 's and XXXX XXXX regarding a late payment that has been falsely reported on my credit report. I have been in contact with XXXX 's since XX/XX/2022 to resolve this issue, and have been repeatedly reassured that the late payment would be removed from my report. 

Despite these assurances, the late payment has not been removed from my credit report, and I am extremely concerned about the impact this could have on my credit score and overall financial health. I have made multiple attempts to contact Macy 's to address this issue, but have not received a satisfactory resolution. 

I am requesting that the CFPB investigate this matter and take appropriate action to ensure that both parties remove the inaccurate late payment from my credit report. 

Thank you for your attention to this matter. I look forward to hearing back from the CFPB regarding the resolution of this issue.

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 2023-01-26
Company: EQUIFAX, INC.
State: GA
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 received a copy of my credit reports from XXXX XXXX, XXXX and Equifax. after reviewing all three credit reports ; there is a collection from XXXX XXXX XXXX MO for the amount of {$680.00}. XXXX XXXX XXXX MO does not have the legal authorization to collect this debt from XXXX XXXX this debt is not validated. I request a complete validation of this collection. they have violated the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Radius Global Solutions LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent two letters to RADIUS GLOBAL SOLUTIONS LLC located at XXXX XXXX XXXX XXXX MN XXXX regarding my alleged debt which they claim I owe belonging to " account number XXXX. '' In my letter dated XX/XX/2023, I requested a verification of the debt to be performed, along with a full investigation to be completed & reported on, to ensure that the efforts to collect the debt are 100 % correct. I sent this letter to them in response to their letter to me on XX/XX/2023. I stated that " I need to hear from you to make an informed decision about your claim that I owe this money. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us. '' Since then, not a single update has been made to mark this account as being in dispute by the credit bureaus, according to a recent credit pull ; nor has RADIUS GLOBAL SOLUTIONS LLC provided any additional information. I still do not recognize this account and since it is a " Collections '' account it is severely hurting my credit score ; lastly, there is nothing to show on the account that it is in dispute, as I have requested. RADIUS GLOBAL SOLUTIONS LLC are legally obligated to report the account as in dispute or to order it be deleted from my record. I am asking that this account be removed from my record, please. See USPS Tracking Numbers : Exhibit A - XXXX ; Exhibit B - XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I filed a charge dispute with a purchase on XXXX XXXX, capital one close the case even before i can get the respond from the merchant on XXXX XXXX XXXX  and charged me late fee and interest during the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15. U. S. C 1681. 
Accounts # XXXX XXXX XXXX XXXX  account # XXXX XXXX  account XXXX XXXX credit XXXX XXXX XXXX XXXX Has violated my rights. 

15 U. S. C. 1681 section 602 A. States I have the right to privacy.

15 U. S. C. 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15. U. S. C. 1681 c. ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer report containing any of the following information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15. U. S. C. 1681s-2 ( A ) ( 1 ) A person should not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on my report. I than printed out a copy of my credit report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report XXXX XXXX XXXX {$830.00} XXXX XXXX  XXXX {$75.00} XXXX  XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$830.00} XXXX   XXXX {$12000.00} XXXX XXXX XXXX {$440.00} XXXX XXXX {$2600.00} XXXX XXXX {$400.00} XXXX  XXXX {$300.00} XXXX  XXXX XXXX {$670.00} XXXX   XXXX {$830.00} XXXX XXXX {$93.00}

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 2021-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with 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 2020-06-12
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My identity was compromised by a scam company and the bank cleared a check then several days later decided the check was no good. You now have a negative balance. Theyre claiming they arent at fault and said they would freeze the account, but havent there are items they are posting against the account including your workmans comp payment. I used the mobile deposit option on the Bank of America banking app to deposit a check on XX/XX/XXXX for the amount of {$4700.00}. BOA made the funds available to me before verifying the funds. I contacted BOA multiple times to check the status of the deposited check and they assured me that the check was verified and that there were no problems with the funds. On XX/XX/XXXX the {$4700.00} check was returned and my bank account was put into a negative status. I contacted the bank about the fraudulent activity and requested that the account be frozen prohibiting any transactions in and out of the account ; they requested that I file a report with their fraud department which I did before freezing the account. I've contacted them multiple times about resolving the negative balance when the bank is responsible for verifying the funds from the check before making the funds available. BOA insists that there is nothing they will do to rectify the situation regarding the negative balance when they are responsible. On XX/XX/XXXX a deposit of {$400.00} is being processed into the account, no money is supposed to be processed into or out of the account. BOA is not rectifying the situation. I've contacted the bank several times, most recent on XX/XX/XXXX and was informed that there isn't anything they will do to rectify the situation and the consistent misinformation their representatives have been giving 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 2023-05-08
Company: EQUIFAX, INC.
State: NY
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:
In Accordance with the Fair Credit Reporting ACT. The list of accounts below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account # XXXX XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Hello my Name is XXXX XXXX XXXX. I started Edd in XX/XX/XXXX. However my payments from edd retrowed back to XX/XX/XXXX. I never received my Pre paid card so i called the bank of america they said they would sebd a new card. When i asked my balance. They said i didnt have any money on my card. I explained how can i spend it if i never got a card. XX/XX/XXXX i filed a claim for {$14000.00} XX/XX/XXXX the bank posted provisionals XXXX. I had to XXXX XXXX money to myself no card. So XXXX XXXX comes and this Bank freezes my account and takes all the money back plus what i didnt left in the account after XXXX  XXXX  and puts me negative XXXX XXXX comes and my ckaim pays i rec letter but they never posted the funds. They state that there were duplicate claims and removed {$700.00}. Mean while all my edd pymts are still comeing in and paied down tjis nrgstive balance which in truth the numbers dont add up. The finaly paid me {$14000.00} and XX/XX/XXXX it paid off a negative balance of XXXX which is wrong should have been - XXXX. I never got anything back never got XXXX of my edd payments and they still wont post my claims thst have since paid on XX/XX/XXXX {$3500.00} and {$4800.00} XX/XX/XXXX. Its been 6 months now. They have sent me letters that the funds posted but the credits they posted were credits the doubled dipped on and took out 2 times on 13 amonnts. And other credits were money they over took when they took provisionals out. What can i do. I cant get help. My govenors office has called states assembly has called still no money. My email is XXXX. my phone # is XXXX. 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 monetary relief
Consumer complaint received 2021-08-30
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
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:
How can these accounts show the payment status of 120 days past due for the months of XXXX and XX/XX/2019 when it has a balance of zero? With that blatant error, its clear that the bureaus do not keep accurate records. They are also reporting this company to be the owner of the debt when they are not! These accounts were transferred to another company. The XXXX and XXXX Credit Bureaus can validate this information by investigating the matter and MUST correct or remove the defamatory information they are currently reporting. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID or UPDATE '' all late from reporting on these accounts immediately. Below are the accounts that are still reporting on my account : NELNET XXXX {$0.00} NELNET XXXX {$0.00} NELNET XXXX {$0.00} NELNET XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
Hi, I purchased a Western Union money order at XXXX for {$100.00} on XX/XX/XXXX. The money was purchased for the DMV for my reinstatement fee. The money order was sent back uncashed. I followed the instructions to get the money back and agreed to pay their exorbitant fee of {$35.00} and sent the copy of the uncashed check. To date, Western Union has not responded. Please help me in anyway you can. I can be easily reached at XXXX, email. XXXX. My address is XXXX XXXX XXXX, XXXX XXXX, NY XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a checking account with Capital One online bank. I deposited a check for {$5000.00} on XX/XX/XXXX. The check was a XXXX gift from my father. Afterwards, my online account was frozen. I resolve this issue with the bank and was able to access my online account on XX/XX/XXXX. After which, I received a message that I need to call the bank about the status of my checking account and that funds were unavailable. They provided a number to call, which direct me to an answering machine. Ive left my number with them several times, but have not received a callback about the status of my account. On XX/XX/XXXX, I visited a Capital One XXXX in XXXX. A representative at the XXXX was able to put me in touch with someone from the bank via phone. The person told me my account had been closed and my money would be re-distributed at some point in the future. They did not tell me why my account was closed nor did they tell me when my money would be sent to me. I asked if they could call me back. They said they would contact me with more explanation but they have not done so. I have called them twice since Ive visited the XXXX, but Im redirected to the answering machine I was before. My money appears to be in the account when I look online, but Im not sure when it will be returned to me and have received no communication from the bank. This is deeply frustrating because my money is affectively being held hostage while I wait for the bank to send me a check.

Company response to consumer: Closed with explanation