BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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 hard inquiries on my credit reports that I did not make. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX - XX/XX/XXXX and XX/XX/XXXX. These were all unauthorized. Theres also a credit like with capitol one appearing on my XXXX XXXX report I also did not make.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
I went to Bank of America recently to cash a measly check for {$95.00} with Bank of America listed as the bank. 

I can not believe they had the audacity to charge me an {$8.00} fee for not having an account even though the check was drawn to be cashed at their bank. 

They charged me an {$8.00} fee leaving me with {$87.00} out of the {$95.00} check. I was shocked when I mentioned this to the bank teller and she told me that this was their policy. I was in utter shock and disbelief. This can not even be legal and then she tried to get me to open a bank account with them as well. 

I will not be doing business with Bank of America because how can you have a policy in place to charge individuals a check cashing fee for a check that can legally be cashed at your bank? I will be filing as many complaints regarding this matter as I possibly can. 

People are struggling and this makes no sense to me whatsoever. I went to the Bank of America located at XXXX XXXX XXXX in XXXX, VA I can not believe that this is what is going on and that they charged me an {$8.00} fee this is beyond egregious, to say the least, and unacceptable.

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 2021-03-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On my reports there is a closed account with huge amount of missed payments. CAPITAL ONE BANK USA NA XXXX. Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAPITAL ONE BANK USA NA has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, I modified my first mortgage with B of A after they assumed my XX/XX/XXXX loan. This was a painful and lengthy process that was horrible, but I had no choice. When the 1st mortgage modification was completed, I wanted to move on to modify my 2nd mortgage. My point of contact said he would start on that, and then called me to say that my former husband including this debt in his bankruptcy filing would prevent them from trying to collect the debt, so no modification was necessary. Four years later, when the values had recovered, they filed an NOD on XX/XX/XXXX when I was already in touch with them questioning the validity of the debt ( see attached ). They finally modified the loan adding $ XXXX  to the balance, so I accepted the modification and made payment in protest. I don't feel that the lender acted in good faith and in fact ripped me off.

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 2019-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I order my free annual Trans Union credit report on XX/XX/XXXX and was able to view it andO was suppose to view it for free for 30 days ... But I havent been able to view it without purchasing a report for XXXX. I asked about this and still havent been able to view it for free for 30 days. What do I need to do to be able to view it until XX/XX/XXXX Also, they were suppose to take off bad credit information from XXXX XXXX and they have not taken it off its still showing 13 past due payments for XXXX XXXX. 

They told me it was taken off and every time I look at my credit journey its still showing 13 past due payments for 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 2021-03-05
Company: Resurgent Capital Services L.P.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
LVNV Funding is holding onto a debt that was discharged in bankruptcy. Amount is {$140.00}. I have provided information and it even shows on my credit report where it was discharged in bankruptcy. They refuse to remove this. XXXX sold the debt to them but they even show a discharge.

I have filed 3 disputes on my credit, my attorney has contacted them and has stated they have had issues from this company. 

Lvnv funding XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is reporting incorrectly a collection/charge-off on the XXXX XXXX partial account number XXXX. ( Please see page 16 of the attached credit report. ) This account is well over ( 7 ) years old and it has been ( 7 ) years from the date of last activity and should not be reporting. This is a violation of the Fair Credit Reporting Act and this line item needs to be removed from my credit report. This incorrect reporting of a collection/charge-off is harming my credit score. I have contacted the bureau to remove this however, I have not been successful.

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 2023-04-07
Company: ALLY FINANCIAL INC.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have an Ally High Yield Savings Account in addition to two checking accounts. Ally as you know is an online only bank and does not have physical branches. I am in the process of buying a house so have consolidated cash in an Ally account for my down payment. There is about XXXX in this account. Ally has not been able to provide me with access to this account for over 48 hours. As such I can not access statements, balances or make transactions. As a result of this I can not provide my mortgage provider with proof of funds to close. I have spoken with 5-6 Ally agents and none of them have been willing to fix me. Given that Ally is an online only bank, they have an obligation to ensure their customers have continued access to funds online. Without this access they are effectively holding money hostage.

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 2021-03-04
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:
XX/XX/XXXX I mailed letter to Experian with a copy of Notice of Arbitration Award I received from the XXXX County District Court in my favor and against XXXX XXXX. XXXX sued me for {$5.00}. The Decision was against XXXX XXXX. I requested XXXX be removed from my Experian Credit report. Experian claims they never received the letter and documents tha was sent through the USPS. After more than 20 phone calls and being transferred from Dept. To Dept and being told I should mail it to XXXX XXXX XXXX instead of XXXX XXXX. I sent a new package to that XXXX Certified this time. They say they still didnt receive it. I made More than 30 phone calls to Experian to solve this. 
XX/XX/XXXX through Experians own website I filed another Dispute and downloaded the documents and a copy of my XXXX letter.That was to no avail. Today I received a notice from Experian stating that they are not removing XXXX from my Report, because XXXX certified they are right. Experian is not very Professional. I dont know if they have a legal Department, that could have taken a look at the documents. Especially Court -documents. On XX/XX/XXXX I also sent the Documents to XXXX XXXX and they deleted XXXX from my Account with them. Experian has a major problem. They cant read ENGLISH. A simple phone call to the Courts would verify the Award and they would delete 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 2019-11-30
Company: V and H Portfolio
State: GA
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 am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-26
Company: Experian Information Solutions Inc.
State: SC
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:
XX/XX/2019 RE : VIOLATION OF 609 FAIR DEBT REPORTING ACT To Whom It May Concern : I am filing a formal complaint against Experian credit services for continuing to report inaccurate information found on my credit report that I want PERMENTLY DELETED per violations according to section 609 of the Fair Debt Reporting Act. [ Section 609 ( a ) ( 1 ) of the Federal Credit Reporting Act ( FCRA ) states that CRAs, including major credit bureaus such as XXXX XXXX, " shall, upon request ( by a consumer ), clearly and accurately disclose to the consumer... All information in the consumer 's file at the time of the request '' ( emphasis added ). If the " information in the consumer 's file at the time of the request '' includes account and social security numbers, the provision thus normally requires that the CRA " clearly and accurately '' include such items in its disclosure to consumers. ] I have challenged their reporting and compliance on several of my accounts with XXXX  XXXX XXXX, XXXX XXXX, XXXX/XXXX, and XXXX/XXXX XXXX that are continually being reported on my credit report with INACCURATE/MISSING information ( INCORRECT ACCOUNT NUMBERS ). Also, I have requested and sent proof of my legal name and current and only mailing address, yet they continue to report various variations of my name and mailing address on my credit report, which ARE NOT ACCURATE!. 

I have sent multiple letters to them. The first ( 1st ) through regular mail on XX/XX/2019. The second letter on XX/XX/2019 via certified mail signed for on XX/XX/2019, and third ( 3rd ) letter sent XX/XX/2019 via certified mail which was signed for on XX/XX/2019. I received a response back on XX/XX/2019 telling me that they would not dispute accounts again unless I have additional relevant information. 

As you can see, the files I have attached clearly show that they are continuing to report variations of my LEGAL NAME, which I DO NOT USE ON ANY OF MY ACCOUNTS. Furthermore, they are reporting INACCURATE MAILING ADDRESSES, which I currently do not live at or receive mail at those addresses per POSTAL REGULATIONS. In addition, you can clearly see that the account numbers being reported and sent to me on my latest report DO NOT HAVE THE CORRECT INFORMATION ( ACCOUNT NUMBERS ), so by law, THEY MUST DELETE THE ACCOUNTS WITH INACCURATE INFORMATION per Section 609 9a ) 1 of the FCRA upon my request.

Their IMPROPER PROCEDURES have been highly damaging to my credit score and credit history. I want the erroneous information IMMEDIATELY DELETED from my credit history.

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 2021-03-04
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: Old information reappears or never goes away

Complaint:
On XX/XX/2021 I submitted a dispute letter to all 3 bureaus disputing that XXXX XXXX XXXX XXXX XXXX is reporting a collection that has surpassed the statue of limitations and thus should be removed, however on XX/XX/2021 my credit report was updated to reflect that this account will remain on my credit report. 

According to XXXX. XXXX. XXXX. XXXX XXXX et. seq. this account has passed the four years Statutes of Limitations to collect such debt. 

The account information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX XXXX XXXX Collection amount : {$13000.00} As of XX/XX/2021 I never received written correspondence informing me of the dispute results.

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 2019-12-01
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: SC
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 am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2021, I made a mobile deposit with a Company Check number XXXX to a personal Checking account for {$1500.00} within Wells Fargo Accounts. The check was withdrawn from the business account on XX/XX/XXXX but was never credited to the personal checking account. 
I sent several emails asking for help or a solution to this problem, I called them several times and spent hours with different customer service representatives. I had an appointment at the bank with a banker but no answer to this mobile bank app mistake has been given to me, and the money ; today has marked 20 days and it still has not even been temporarily credited to my account having proved that the evidence is showing that the mistake is on their side. 
Today I received an email from a Bank Manager in the Complaint Department telling me that the case was closed without any explanation, and again, without crediting my account with the {$1500.00} and knowing that the Wells Fargo Bank took the money on the XXXX of XXXX. That's when I decided to ask for help in recovering our money from the Wells Fargo bank.

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 2019-09-26
Company: Grant & Weber
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: Account information incorrect

Complaint:
as of XX/XX/2019 during an employment process, i was made aware of a debt account that would prevent me from being hired. Upon further investigation of an account i am unable to find out exactly what it is for. 
When speaking to the collections agency about the account the ask me if i am XXXX. Which is my ex wife and no one is able to tell me exactly what this account was in question but i am being told i am responsible for payment. I will not pay this account as in the divorce decree it is stated that She will pay debts that are in her name and i will pay debts in my name. I am not aware if this debt has my name on the account and will dispute in order to have it removed and placed completely on her account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Payfare International Inc.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Atm didnt dispense the cash requested it was out of cash and was down for several days after I contacted all point the company which operates the atm machines and they said the funds should return within 24 hours and that was 5 weeks ago I contacted them again and they said it was in the banks hands now and they simply needed to reverse the transaction so I contacted payfare/XXXX  XXXX  and they at first tried to put it on the atm owner and then after I told them what the owner said I had to fill out the dispute form which I did and was then instructed it would be 60 days and there would be no provisional credit now I know what regulation E is and they Claim this doesnt matter to them but 60 days is not acceptable now they have become very rude disrespectful and very unprofessional and hung up on me now they want answer my calls or emails and are completely ignoring me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Once or twice a year capital one blocks my ability to conduct any kind of online financial transaction. Each time it happens I have to find the nearest branch and get an officer of the bank to fix it. I dont know why this keeps happening and the bank refuses to explain it. It happened again several months ago and I am still waiting for people ( hiding from the virus ) to return to their offices and fix the problem. 

Last week something unique in my experience happened. I found several fraudulent purchases on my account. These do not appear to be 'for profit ' purchases. They are oddly random. The most current list of fraudulent charges is : XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX The current claim number on this is : XXXX These purchases seem to have no purpose other than to drain a bank account. What makes them note worthy is that they are happening. 

If a bank suspends online use of an account shouldnt that mean that no one can use it? If the bank is preventing me from spending my own money online how is a hacker able to do it? If an individual had stolen my card/banking info ( and it could actually be used ) wouldnt they make purchases and withdraw cash for personal gain rather than such easily traceable transactions? Random purchases, that seem to benefit no one, from an account that is blocked seems more like some kind of malware attack than a robbery. It appears to me that capital one 's security has been breached. I have spoken to several bank tellers and used the phone number on the back of my debit card to resolve this problem. 

Although capital one seems to be correcting the fraudulent charges, they have so far refused to provide any explanation for the situation and at one point suggested that the whole problem is my fault. That would be a good position from which to obfuscate the situation if not for the fact that they are the ones preventing me ( and supposably everyone else ) from buying anything at all online. 
I would like to talk to this hacker just long enough to learn how this is being done so that I can use my own card again.

Company response to consumer: Closed with explanation