BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is no instrument of indebtedness in its original form for the debts listed below. I never received a contract of any sort signed by myself to any of the credit reporting agencies. I honestly don't believe that any of this information belongs to me without the verification in a contract. 

According to the law, this is illegal According to the FCRA as well as the Comprehensive Credit Act of 2020. I'll be seeking litigation remedy if not resolved at once. I am entitled to at least {$1000.00} in damages for every unverifiable item within my credit files. None of this information can be confirmed. 

XXXXXXXX XXXX XXXX  XXXX Opened XXXX {$86.00} XXXXXXXX XXXX XXXXXXXX XXXX Opened XXXX {$130.00} XXXX XXXX XXXX Opened XXXX {$180.00}

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 2022-03-11
Company: ALLY FINANCIAL INC.
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposited a {$13000.00} check to a checking account. The bank on the check confirmed the money cleared and they sent it to ally. They also confirmed with Ally the check was good. We transferred some of the check to pay bills and Ally cancelled the transfer, kicked the money back, locked the account, blocked access, and transferred the entire thing to lost prevention. 

The people in loss prevention are the most rude, obnoxious, disrespectful people I have EVER, EVER dealt with in ANY business. I've been an Ally customer for over 5 years and now. It's been over a month. 

I want my money and the interest we are missing out on each day Ally keeps it. I've spoke with and tried to work with Ally but employees refuse to transfer me to a supervisor to get some insight, to work on this issue, and file complaints. 

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 2020-06-05
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Paypal Inc has a Seller protection program to protect individuals from chargebacks relating to payments received. They have times when transaction go back and forth between showing " Eligible '' for the protection, then a moment later shows " Not eligible ''. This complaint relates to Transaction ID XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: M&T BANK CORPORATION
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I have made several attempts to make a loan payment on my account. I called numerous department phone numbers tried to pay my bill through the automated system and even tried to get into my account online. I wasn't able to retrieve my user ID or my password. Thier hours of operation are Monday through Friday XXXX to XXXX and those are the hours I work. I have no way of making a payment because there are no options to pay my bill outside of normal business hours. They changed their system so I haven't been able to log into my account in a long time. I need a way to pay my bill.

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 2023-05-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been living abroad for sometime and just returned State Side and can came home to a bunch of unauthorized fraudulent accounts under my name and social listed on my credit reports : I've reach out to law enforcement and FTC regarding my concerns. Ive also tried to reach the various credit bureaus to no avail. The following fraudulent accounts need to be removed from my credit reports : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 went to the transunion.com website to get my free credit report because I was denied credit at XXXX XXXX based on their report. The only way to get the report was to call them or mail them. It should be available online through their portal. 

Also, credit agencies are giving only 14 days vs 30 days when shopping for loans and I receive hard inquiries within that 14-day period. It takes longer to get information from these companies than 14 days allows. It is negatively impacting consumers nation-wide.

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 2022-07-06
Company: EQUIFAX, INC.
State: MD
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 account 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
In early XXXX, I discovered an unfamiliar Home Depot credit card listed on my credit report, despite never having applied for it. I promptly reached out to their customer service to report this as a fraudulent account. Approximately two weeks later, I received a credit card application letter from Home Depot, even though I had already closed the fraudulent account. They assured me they would investigate the matter and provide me with the results in the letter. 

Moving forward to the beginning of XXXX, I received a bill from Home Depot 's credit card department, indicating that it was overdue and subject to interest charges. Despite my numerous attempts to contact the Home Depot credit card department and sending all the support documents to them since XXXX, the issue remained unresolved. 

Now, as XXXX began, I find myself in the same predicament, having received yet another bill and still awaiting any form of response or resolution from Home Depot 's credit card department, and the interest goes higher.

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 2020-08-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/20. I spoke with 3 representatives at equifax to dispute a bankruptcy and multiple inquiries on my account which ones were from duplicate companies that I kept receiving notifications. I spoke with XXXX, whe told me that they were not allowed to give their employee ID I asked to speak to someone over her and then she notified she can get me over to another department to request a removal and then transferred me to XXXX, employee Id XXXX is what she gave me. I explained the situation to her and she wasnt much help, I asked her if she was aware of section 609 of the fair credit reporting act that states that courts do not have jurisdiction over credit reporting agencies and they do not report to the credit bureaus. So I asked her how was this information reporting if the courts did not report it. She hung up on me. I spoke with another rep which I did not receive his name at about XXXX XXXX XXXX. I asked him about the duplicate inquiries in which he told me that there was nothing he could do to remove them and that I would have to call each company individually to inquire about them I asked again to speak with a supervisor he put me on hold and 10 minutes later the prompter told me to press 1 again. The process started all over again. It has been a huge hassle dealing with Equifax for they dont even investigate as they're suppose to and they allow whatever on your report to sit there and do nothing about it. I feel my rights have been violated and I have taken every step to dispute the matter so here I am filing this complaint. Equifax does not care about the laws that govern their agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Eastern Account Systems of Connecticut, Inc.
State: AL
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 have a fraudulent account on my credit report that I have never heard of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 account 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

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 2023-05-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery Associates harassment. Not sure of the debt. I have heard horrible stories about this company so I want to file a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
A claim was filed on my Chase ATM/Debit card for the amount if {$730.00} from XXXX XXXX XXXX XXXX , posting date of XXXX. I attempted to provide XXXX tracking information showing a scribble forged signature from XXXX, however, I do not have access to a fax machine, I am attempting to provide the information here via an image of tracking info with forged signature. Further, XXXX has closed their investigation in re, claiming I received package, ID supposesly shown..The package was delivered to a XXXX  location at XXXX XXXX XXXX, XXXX XXXX, CT XXXX, this is a drop off point. When I visited location at around XXXX XXXX on XX/XX/12, I was told package is not there, I did not show ID at any point. Further, the scribble is not how I sign my name. Unfortunately, XXXX closed claim, it appears package intercepted by a third party at location. I requested copy of ID supposedly shown, however, nothing provided

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
I detected three errors in my statement for my Bank of America Visa credit card. The first error was from XX/XX/2022 in the amount of {$800.00}. The second error was from XX/XX/2022 in the amount of {$1600.00}. The third error was from XX/XX/2022 in the amount of {$3200.00}. The total amount in error is {$5600.00}. All three transactions are listed as ACH Payment Refund. I did not request any payment refunds on my credit card, nor did I receive any payment refunds. These charges are fraudulent and as such, must be removed from my statement. 

I contacted Bank of America regarding this issue via phone on XX/XX/2022. They issued a new credit card number for this account and provided extra security online and by phone. I was told that I would receive a letter of resolution within 5 days and have received no such letter and the underlying issue of an outstanding charge has not been resolved. I did find an online document stating that all complaints must be submitted in writing. I don't know if this was present in my online account prior to my complaint or not, but I was not told that I needed to submit anything in writing when I called. I have mailed in a complaint, which was received XX/XX/2022, but have not heard anything further. 

One other thing of note : I was told that a number not associated with my account had been calling repeatedly and had been flagged as a suspicious caller, however, they were still allowed to make and receive the ACH payment refund request. This was allowed to happen, not once but three times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-26
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Court Case XXXX XXXX XXXX , XXXX vs XXXX XXXX XXXX and XXXX - XXXX, XXXX XXXX Granting Defendant 's Claim of Exemption and dissolving continuing writ of garnishment was already granted on XX/XX/2021. 

Received letter from one of their sister companies trying to collect on debt and they threaten legal action in the letter when I was already granted exemption and the dissolved writ of garnishment. 

I am going to mail copy of judges verdict to the company. and advised that complaint has been filed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-06
Company: BARCLAYS BANK DELAWARE
State: IL
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:
On XX/XX/XXXX, I received a call from Barclays Fraud Unit regarding some fraudulent charges they had observed on my account. After speaking with the man on the phone, I alerted him that the charges made were indeed fraudulent and needed to be investigated. These charges did not fit my spending profile, as I use this car primarily for rewards points while eating out and for streaming services. On the website, they advertise " {$0.00} Fraud Liability Protection '' as a benefit, so I thought I was secure and we would work the case out. 

A couple weeks later I spoke to someone from the bank fraud unit and told them what I had experienced. He suggested I file a police report, which I did ( attached ). Since I know I did not authorize these charges, I thought they would eventually be cleared and I would deal with the police when they were available. 

On XX/XX/XXXX, I received a letter indicated that the charges were valid. I was shocked by this and decided to follow up with the bank fraud unit. They indicated that since the card was in my possession, the charges had to be valid since it was a pin transaction. There is plenty of literature out there ( I happen to work for a competing bank ) that has shown that there is equipment out there to copy the PIN ( see below link ) : XXXX : XXXX/ After speaking with the bank fraud unit, I was told that there was no investigation completed since XX/XX/XXXX when I reported the fraud originally. No camera footage was looked at from the stores where the fraud happened ( I will provide below ). Because I said I had the card in my possession when the fraud occurred, the charges were automatically valid. 

I find this ludicrous for a company that touts a " {$0.00} unauthorized fraud guarantee '' that such little research was done on this, and they would not honor the benefits they advertise. I feel as if Barclays is  not living up to the standard in which they should when it comes to investigating the incident and is not honoring the terms in the cardholder agreement. None of these transactions match my user footprint as well. I was not even around the area where these charges were made, and I have someone to corroborate that claim. 

Here are the unauthorized charges : XX/XX/XXXX XXXX  {$120.00} store # XXXX zip XXXX XXXX XX/XX/XXXX XXXX {$61.00} store # XXXX zip XXXX XXXX XX/XX/XXXX XXXX {$220.00} store # XXXX zip XXXX XXXX XX/XX/XXXX XXXX {$93.00} store # XXXX zip 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 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:
A Bank of America Pre-Paid Card was issued to me on behalf of the State Of XXXX Division of Child Support Services. This card was closed and any outstanding future payments owed to me were removed. 

I was notified on XX/XX/2021, by the State of XXXX, where I currently live, that the California State Controllers Office, Department for Unclaimed Property had been notified that Bank of America had unclaimed property, a cash balance of {$5500.00}, which had not been issued to me. 

In the letter issued by the State of XXXX, I was instructed to contact the business entity to claim my property. I contacted Bank of America to claim my property. They refused to assist me or provide me any claim forms so that I could collect the money they possessed that I am owed. I believe Bank of America is trying to block my attempts to collect the funds owed to me. 

I would like any assistance CFPB can provide to collect all funds owed me on any Pre-Paid, closed accounts held by Bank of America.

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 2023-11-20
Company: Experian Information Solutions Inc.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
I sent Experian disputes on 2 specific accounts on my credit report. The first letter I asked for an investigation, the second letter I asked for a reinvestigation because it was verified as accurate when it wasn't. Lastly I sent letters each stating that after 2 investigation attempts by Experian they neglected to remove accounts from XXXX and XXXX XXXX even though the are reporting as chargeoff every month, when there should be no active payment history. Experian is now ignoring my requests to remove the items.

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 2021-07-06
Company: EQUIFAX, INC.
State: GA
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 filed a dispute with Equifax XX/XX/XXXX attaching documents of my reaffirmation and my payment history reference car loan # XXXX with XXXX XXXX. I filed bankruptcy XXXX and signed a reaffirmation to continue my payments. My car payments are up to date. XXXX XXXX states it's there policy NOT to report once a bankruptcy has been filed regardless of a reaffirmation but yet they're taking my payments every month. Equifax closed the case XX/XX/XXXX stating the bankruptcy was filed correct. WTH! I'm not asking about the bankruptcy. I'm asking that my car payments be reported.

Company response to consumer: Closed with explanation