BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/XXXX, I filed a complaint with the CFPB about XXXX reporting a fraudulent Bankruptcy on my consumer report. They are also the same companies who report this information to XXXX, XXXX, and Equifax. They claimed that I filed a XXXX XXXX on XX/XX/XXXX and it was discharged XX/XX/XXXX out of XXXX, NC. So I filed another complaint showing them that I had never lived in XXXX until XXXX of XXXX so I don't know who that person was they're claiming me to be. So on XX/XX/XXXX, I filed another complaint explaining this was not my bankruptcy and you reporting false information about me. Well, it came to light that the bankruptcy they were reporting was indeed not mine it belonged to a XXXX XXXX and this was verified by XXXX  who XXXX has an account to pull information which and it to consumer reports which is illegal because of the following under the FCRA. 

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( A ) 4. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

So as it states in the law by Congress I have a right to privacy and you need my written consent to furnish anything about me on my consumer report which they definitely did not have. Once XXXX realized they were wrong they removed the bankruptcy from my consumer report and told me to file a dispute with the other CRA XXXX, Equifax, and XXXX to get the bankruptcy removed. I have done so and the only one to remove the erroneous information was XXXX ; Equifax and XXXX both claimed to have verified said information. 

Equifax claims it used XXXX to verify the information on multiple disputes but how can that be when I have provided proof to them that it was erroneous and it needs to be removed immediately. 

XXXX reports that they verified it with the courts which is false reporting because the courts don't report to the CRA 's and I have provided proof from the courts that they don't. I have also contacted XXXX which is an electronic court document system that doesn't report either and the only way to access the information is to pay for an account. 

Lastly, the CFPB is supposed to look over these cases prior to sending them to the companies and they have failed on numerous occasions. I have consistently provided proof that what the CRA 's is doing is wrong and should be punished. The law is the law and it the XXXX 's are not bigger than Congress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection for XXXX came on my credit report recently. I never received a bill for this so I would like it removed from my reports

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have been having this issue since XX/XX/2023 and these accounts do not belong to me and were caused by identity theft/fraud. I have requested several times that the companies need to send me the debt of validation letter but they have failed to do so 3 times and that's breaking the law. per 15 usc 1681b as a consumer I know my rights and this is illegal. These accounts were not authorized by me at al and they should not be reporting. Before i report you to the business better bureus and my attorneys general I will give you all 1 more chance to reinvestigate this matter the right way.

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 2023-10-10
Company: National Credit Adjusters, LLC
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Payday loan taken in XXXX and repaid over double amount borrowed. Interest rates does not comply with laws of Virginia. 

https : //law.lis.virginia.gov/vacode/title6.2/chapter3/section6.2-312.

The state of Virgina caps interest rates on lines of credit at 36 %. Payday lender sold account to collection agency - National Credit Adjusters which has reported the debt to all XXXX credit bureaus since XX/XX/XXXX. I have reached out to both companies requesting my initial contract and payment history and have not received it. I explained that because the loan was predatory and now unlawful, it should not be reported on my credit reports. I still have not received any responses but was sent a settlement offer decreasing the {$1300.00} to {$1000.00}. I declined the offer and asked for my contract and payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Capitol One bank took money out my account with no email saying why. I ordered something online from a merchant returned it refund not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I closed my checking account with BMO Harris and didnt realize that did not automatically disconnect my XXXX account. 

On XX/XX/XXXX, a deposit in the amount of {$2000.00} was sent to me via XXXX XXXX still connect to the closed BMO checking account. 

Realizing this immediately, I called BMO and was told since the account is closed it would automatically be refunded to the sender within 3 business days. 

XXXX XX/XX/XXXX, I received a from BMO thats stated they successfully deposited the XXXX payment to my account. 

The account was closed and I logged it to see it was still at a {$0.00} balance. Given 3 business day passed I called again to speak with someone and was told they BMO had no history or records of any transaction even though I had an email from them stating otherwise. 

They advised me to have the sender file a claim with their bank. The sender did as instructed. The claim was denied to BMO stating they had deposited the funds as instructed. 

I called again and was told the same thing that the money was probably in limbo somewhere as they have no idea where the funds are and somehow have no record of the transaction. They told me to file a claim with the sender. Again I stated they had sent me an email stating they received the payment and now are saying they didnt. 

It is now XX/XX/XXXX and I still have not received the payment nor has it been been retired to the sender. BMO Harris is illegally holding funds and not releasing them.

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 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Transunion, XXXX - Report my student loans all closed, however, they don't say Paid, or Paid as agreed, I want them to reflect the correct status- They still got paid, they should reflect paid, and the age of each credit line should be properly reported, I also request they send an updated report to each of my recent inquiries for this month, with a letter detailing their error. ( copy to me as well ) Nextly as a Member and CEO of a separate entity corporation with its own established credit I wish to make it clear.. any further acts of ANTITRUST violations regarding, discrimination against my company by sharing my personal credit without my express written permission are NOT authorized. my personal credit is proving hard to rebuild after my being a victim of Identity theft in the past. their action has cost me Increased fees and elevated insurance premiums and is also violating DTPA 17.46. I am relaunching my firm after covid and applying for Asset-based corporate credit and financing - No personal guarantee is needed, so they need to stop sharing my personal information without consent. I provide my Id and have a credit call to verify my identity prior to opening any accounts,

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 2022-04-29
Company: EQUIFAX, INC.
State: VA
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
my husband and I had an agreement with XXXX ( now XXXX ) : Forbearance on our mortgage for the year of XXXX due to financial hardships b/c of covid 19. our Forbearance agreement started in XX/XX/XXXX XXXX XXXX our payments made during the year ( {$3500.00} ) was not deducted from our principal or or forbearance balance, or escrow. They ruined our credit with the credit bureau and reported over 12 late payments during covid 19 and while we were in forbearance. They also did not deduct the months of payments that were made during covid 19 about {$3500.00} of payments that were made were not deducted from our mortgage or interest/escrow. 
My husband and I can not get loancare on the phone. 
lakeview loan servicing has bought out XXXX and they will not respond. 
Experian has tried to help resolve the issue and nothing has been done since we closed on our house XX/XX/XXXX. 
Experian has proof of the payment from my husbands bank account proving the {$3500.00} of payments made during the year of XXXX. 
please help us as we can not get another loan for a house b/c of what loancare ( now lakeview ) has done to our credit and it is an awful situation, we feel we are scammed and we are stuck and can't purchase a house b/c loancare was dishonest and has destroyed our financial reputation. we have paid our balance in full since XX/XX/XXXX. we feel cheated. we feel lied to and stolen from and now our reputation is destroyed, i was denied many morgage loans b/c of 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 explanation
Consumer complaint received 2019-03-26
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received a notification that a check in the amount of {$100.00} + had been sent to me for a refund of a credit card overpayment. I never received the refund check and called Best Buy credit to complaint about it on several occasions. They stated that they will research the check and will refund me the money if the check has not been cashed. Nevertheless, Best Buy credit send me a letter stating that the discussed refund check was never cashed. I have called Best Buy Credit on several occasions to process the refund check again or deposit it directly into my bank account. After several failed attempts and promises that the refund will be paid, I am submitting this complaint. Best Buy credit billing Accounting system is a mess, they misplaced payments and also send erroneous bills.

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 2023-10-09
Company: Kikoff Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I WAS CHECKING MY CREDIT REPORT AND SAW THIS COMPANY, I HAVE NEVER HEARD OF THEM BEFORE, I TRIED TO CALL BUT THERE IS NO LIVE HELP, THIS IS IDENTITY THEFT AGAINST ME, I DID NOT APPLY FOR THIS AND I AM NOT RESPONSIBLE, THIS IS THE FRAUDULENT INFO I SEE ON MY CREDIT REPORT : Account info Account name KIKOFF LENDING LLC Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$55.00} written off. {$30.00} past due as of XXXX XXXX. 
Status updated XXXX XXXX Balance {$55.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$750.00} Highest balance {$60.00} Terms - On record until XX/XX/XXXX 2029

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Last year I applied for to XXXX XXXX XXXX cards one  XXXX master card and the other XXXX rewards  Visa. In a matter of months XXXX XXXX close the accounts with you no reason when I called to request to have the bank account open and they stated no because it was past the 30 day tender I would like to see legislation passes law or banks can not close accounts within a year of the client having the account or if the account is in default my credit has been excellent and so has my relationship with them whats going on at XXXX Or that legislation is not taking action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Goal Structured Solutions, LLC
State: AL
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:
A student loan was opened in my name in XX/XX/2022 I did not open this and I been telling this company this for a year in a half and there are so many inquiries on my account from car lot places that I werent aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: National Credit Adjusters, LLC
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The names on the account are not the same names what's on my Driver 's license is not the same as the name on this credit reports agency information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/2023 my wife made a payment mistakenly to the wrong account as she is XXXX and we have 2 of the same branded vehicles with a XXXX in the name, I typically make all payments on both accounts, however I am a XXXX XXXX and I refuse to text and drive by any means! I checked to see if she made it on the correct account and saw it was for the second vehicle. Called Ally Financial and they talked to me for 35-40 minutes coming to a resolution in which they will apply that amount of XXXX ( regular monthly payment ) from one account to the other, and told me if anything was reported to the credit bureaus to simply call back and they will help me get it off. However they called back 11 days later saying they changed their mind and now they dont want to do it the way that we agreed. I was lied to and I even have a recording of the phone call for my personal records just in case they tried something like this. They also have a recording from that exact phone call XX/XX/2023 in which I asked them to review but I have not yet heard anything about the review process Please help make sure that they are held responsible and not to mislead consumers by telling them one thing and changing there minds 2 weeks later

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 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
In accordance with the Fair Credit Reporting act XXXX Account, 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. The following Account ( XXXX ) : XXXX XXXX XXXX  Acct # XXXX Amount {$950.00} - Dispute Account Information Address XXXX XXXX XXXX XXXX XXXX GA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2022 Responsibility Joint Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/2022 High Balance {$950.00} Original Creditor XXXX XXXX XXXX Past Due {$950.00} Pay Status >Collection<

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 2021-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 have a bank account, line of credit, and credit card had been open in my name that are all fraudulent with XXXX. Bank account have a balance of {$370.00}, XXXX XXXX XXXX have a balance of {$21000.00} and Credit Card with a balance of {$6100.00}. I have contacted XXXX and TransUnion about this issue and have received the same inaccurate 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 2023-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have purchased a bath tub for XXXX dollars from XXXX using my capital one credit card on XX/XX/2023 and when I received the item it was too big for the space provided so I requested to return it back to XXXX and XXXX approved the return request and the XXXX truck driver came and picked it up on XX/XX/2023 at XXXX XXXX. So XXXX has the item back in their warehouse. Case number with capital one credit card is XXXX The return authorization number from XXXX is XXXX and the tracking number Id XXXX. 
Capital one Visa card is denying my dispute claim and reapplying the charge back to my account even though I have returned the bath tub back to XXXX on XX/XX/2023. I am attaching photos of the return label and authorization from XXXX. 
I want capital one credit card to approve my dispute charge claim and credit my account for the disputed charge of XXXX dollars since I dont have the item anymore and XXXX has the item back in their warehouse

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This is in regard to dispute for fraudulent use of my debit card filed with HSBC on the amount of {$23000.00}. The transaction originated from merchant named XXXX XXXX. HSBC has failed to take any action on the dispute and has not followed the due process of investigation. Upon contacting the merchant, they are unable to locate any account with my credentials and have asked me to file dispute with my bank. However, HSBC is unwilling to follow the due process and refund my lost monies.

Company response to consumer: Closed with explanation