BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2022 XXXX XXXX i receved a call from XXXX XXXX police department economic crimes unit on XX/XX/2022 from detective XXXX XXXX # ( XXXX ) notfy me they arrested two people who had all my information. they had my ssn id and cell phoe they ask if i gave them permission to have my belongs i replyed no and like two yaers ago somebody broke in to my car stoled at my partner work place with all information for some to use my name for any reson and now two years later i recived calls and debt collection letters from protfolio recovery aassociate llc own your account basically from capital one servive llc XXXX XXXX XXXX XXXX XXXX, ut XXXX them stating i have an account with them witch i never opend with they clam my acount number is XXXX and that i oew them over XXXX dollers i talked to them befor about it they wont freze my acount they keep sending me letters they even gave me a differnt address on the account witch that i never heard or even been at that location the adress on the statement is XXXX phaffle dr. bakersfield ca XXXX XXXX i never resedent nor lived in that adress im still resiving bills for that account if need to know more information like proff of this my email XXXX my # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Convergent Resources, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called in to obtain information on why this item is on my credit file. I gave the rep my account # and was told to call XXXX she does not have any relevant information she could give me to assist me. she just disconnected the line.

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 2023-05-06
Company: WELLS FARGO & COMPANY
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Was over charge for fees & overdrafts

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 2023-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-08
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate information on my credit report over 30 days ago. I have not received a response. I feel like I'm being taking advantage of and ignored regarding my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I has been well over 45 days. Which mean it should be deleted immediately. If they are deleted from my credit report. 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 someone else.

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 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602. A. States that I have a right to privacy 15 U.S.C 1681 SECTION 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2021-04-10
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A credit report XXXX  shows a a collections account with IC Systems for {$1600.00}. When I called them I was told it was a XXXX XXXX account in XXXX XXXX. 
The XXXX  report says the account was opened XX/XX/2020 with an account # XXXX. 
I have not lived or done business in LA and have not visited in over 10 years. The name on the account did not accurately match mine and the address is one that is not associated with my name in any way. 
I was part of the XXXX breach and have had considerable problems with ID theft since then and have had a credit freeze and monitoring in place. 
I never received a bill, invoice, or collection notice at my legal address. 
I am not personally responsible for this 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 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I opened a XXXX XXXX XXXX XXXX years ago to build my credit, I never mail a purchase on this card ever, some how my card was used fraudulently in NY for {$490.00}, I contacted XXXX XXXX and even spoke with a supervisor they refused to do anything about it, they were very rude dealing with my concern, now they put it on my credit report as passed due for 90 days. How can I be responsible for charges I never made. 
XXXX XXXXXXXX is the worst bank to try and build your credit. I tried many times to close this account and they refused. Please request a history of my credit card from them I never used the cards the entire time I acquired it.

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 2023-05-04
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00}

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 2023-05-06
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:
Experian is knowingly allowing XXXX to ruin my credit in order to obtain a tax credit of XXXX percent interest, well beyond the state usury limit of Florida. In doing so, Experian is helping XXXX obtain a tax credit write off of XXXX percent interest at the expense of my credit while skirting around the state of Florida usury laws in place to prevent predatory lending.

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 2020-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate information on my credit report over 30 days ago. I have not received a response. I feel like I'm being taking advantage of and ignored regarding my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I has been well over 45 days. Which mean it should be deleted immediately. If they are deleted from my credit report. 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 someone else.

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 2022-07-26
Company: EQUIFAX, 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:
XXXX Collections Acct # XXXX has previously been " verified as accurate ''. Attached is the letter from XXXX Collections to delete the Collections from my credit report. 

I also request monetary damages of {$1000.00} allowed per the FCRA per violation. The violation in which you failed to perform a proper investigation/reinvestigation and deemed the collecetion account verified as accurate. 

Please delete collection immediately. To avoid litigation against Equifax for false reporting and not performing a proper investigation a check in the sum of {$1000.00} can be mailed to : XXXX XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX If the relief for monetary damages of {$1000.00} is not received within 30 days, im.sure you are aware I have more than enough proof needed to request that amount for EACH violation along with punitive damages for the emotional distress this has caused, the embarrassment of denied credit due to your false reporting and failure to perform a proper reinvestigation, and the list goes on. I expect to see this collection deleted IMMEDIATELY and a check within 30 days to avoid litigation into this matter of negligence on your part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The exact date is no longer listed on the debt. It says 8 months ago with a XX/XX/23 update. The amount exceeds the actual withdrawal made at the bank. I was issued a cashiers check and the check was verified by the teller. There was an available balance of approximately {$280.00} at the time of the presented check and there was a cashback with the deposit of no more than {$1000.00} or so. The deposit slip for the transaction was stolen and the second copy was deleted from the home computer. The person who picked up the phone from the desk at the bank was supposed to assist with fraud investigation and repayment options, and instead blocked the atm card so no deposits could be made for the actual cash back amount which was taken at the time of the deposit. There was then a collection sent to the credit bureaus for the total amount of the cashier 's check without the deduction of my available balance and without considering that no additional withdrawals were made against those funds. The total amount of the check showed up as a negative the next day and the bank said they couldn't find my transaction after that. They also entered it as though I had been the person who wrote the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My Bank of America Business Debit Card XXXX XXXX XXXX XXXX XXXX XXXX - account ending in XXXX ) has charges for purchases from XXXX that I reported as FRAUD. Some one made several charges to my card totaling {$1600.00} as follows : XX/XX/XXXX {$360.00} XX/XX/XXXX {$540.00} XX/XX/XXXX {$390.00} XX/XX/XXXX {$380.00} I reported this fraud to XXXX as well as some of the items were sent to my house.??? 
I insisted that XXXX send UPS to pick up these items that I did not order. After weeks of correspondence with XXXX, they finally sent UPS to get the fraudulently ordered items. 
Initially, Bank of America told me that I would not be responsible for fraudulent items charged to my card so they issued temporary credits which B.O.A has now reversed and taken the money from my account leaving me once again with over draft fees and a negative balance. I just put money ( that I need to use for my bills ) in that B.O.A account to bring it current. To make matters worse, Bank of America said they would take even MORE money from me on XX/XX/2018. They need to stop stealing my money! I have spoken to several fraud investigators at Bank Of America regarding this ... .hours and hours on the phone. One of the investigators even told me : " I've been doing this a long time and if it was fraud the items wouldn't have not been sent to your house. Really? If he knew every move criminals and thieves make why did bank of America let the the thieves make charges to my account then? He implied that I was lying and myself or some one I know did in fact order from XXXX. I then asked him to look at the history of my account and tell me when I ever ordered from XXXX. He agreed he didn't see where I had. In essence, Bank Of America is denying my claim and stealing my money because they said those charges fit my pattern and XXXX said it wasn't fraud because the card and address was linked to me. I insist it was and is FRAUD and I want ALL of my money back from XXXX and Bank Of America. I've been a loyal customer of B.O.A. before they were Bank of America. I am disgusted at this unfair discriminatory treatment I am receiving from Bank Of America. They should have never allowed these charges to go thorough it the first place because clearly ordering from XXXX for 4 days is NOT my shopping pattern. Shame on you Bank of America for your unfair, unjust and discriminatory treatment to me! 
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 monetary relief
Consumer complaint received 2022-02-16
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: Their investigation did not fix an error on your report

Complaint:
TRANSUNION IS REPORTING XXXX/XXXX  MULTIPLE TIMES UNDER XXXX XXXX updated account information. THIS ACCOUNT XXXX/XXXX  IS A PAID IN FULL ACCOUNT AND ITS BEING REPORTED UNDER XXXX  XXXX  IN FOR TRANSUNION " ADDED TO ACCOUNT '' with no information not even saying paid The account are paid. It's just there reported multiple times.

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 2020-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible. XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$590.00} XXXX XXXX  XXXX {$170.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX {$82.00} XXXX XXXX {$220.00} XXXX XXXX XXXX {$940.00} XXXX XXXX   XXXX {$800.00} XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$300.00} XXXX  XXXX XXXX {$1900.00} XXXX XXXX {$3900.00}

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 2022-11-16
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX ( XXXX XXXX XXXX ) Lost in court over a {$6400.00} Collection claim on XX/XX/XXXX I received a judgment in my favor. Since then it is still on my credit report negatively affecting my score. They have violated my rights and have slandered me to the point where I can not get a loan, due to the fact that this is still on my credit report for almost a year to the day. All three credit reporting agencys : XXXX, Trans Union & XXXX are aware and are in possession of copies of my proof the judgment in my favor was mailed to all three of them XX/XX/XXXX. Since then I have received three months worth of updates XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX from all of them saying the investigation results are verified and updated the disputed item was verified as belonging to you and information was deemed accurate ... .... I would like you to please send complaints to all three of them they are all in violation of the fair debt credit act as well as the creditor. I have called them several times and they will not give me an answer they will not give me anything to go on. I also received a letter from Trans Union saying that XXXX XXXX was deleted from my credit report on XX/XX/XXXX but all three credit reporting agencys are still showing on my credit report and it is over {$9000.00} that is still reflecting negatively on my score I would also like you to send a complaint to them regarding this as well.

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 2023-09-20
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
Today, XX/XX/2023 I tired calling customer service at XXXX ... the system was not able to authenticate the last XXXX of my social security number. After several failed attempts to obtain my mortgage information I was told by a recorded message that the office was currently closed ( XXXX est  ) and when I did not put in the last XXXX of my ss number the system indicated that it recognized me by my phone number. But, I still was not be to be recognized when I entered my account loan number or the last XXXX of my social. It appears that there is a class action law suit on this mortgage lender. 

I have XXXX different mailing addresses : Rushmore Loan Management Services, XXXX XXXX XXXX, XXXX XXXX, CA XXXX www.rushmorelm.com. and Rushmore Loan Management Services, XXXX XXXX XXXX, XXXX, CA XXXX www.rushmoreservicing.com/welcome It keeps saying I was unable to find a match for the last XXXX of my social security number XXXX est They say we seem to be having difficulty, have a good day. 

I was told to contact my state agency Department of Banking and Finance XXXX XXXX and send a report dbf.ga.gov to submit complaint for residential mortgage broker I called Rushmore Servicing Accessibility under the Americans with Disabilities Act XXXX. I gave him both account/loan numbers and I still was not able to get any information. I was told that I was not able to be found in the new servicer system. Still not able to obtain any mortgage information. 

I contacted The consumer financial protection bureau to report this issue and was directed to this website. The problem is improper business practices by this mortgage lender that their problem has become a problem for me since I have received letter that my loan has been transferred, but the new servicer has not past account information to located me in the system.

Company response to consumer: Closed with explanation