BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-05
Company: Receivables Performance Management, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I switched carriers from XXXX to another carrier. XXXX was to furnish a final bill, which the new carrier agreed, within a 90 day period of time to pay, upon furnishing the final bill. XXXX would not furnish a final bill nor tell me why. Ultimatly, it was discovered that a range extender, provided to me at no cost because the XXXX phones did not work at my home as represented, was the issue. As the extender was not associated with the phone contract, they could not even tell me what was holding up the issuance of the final bill, until the 90 days had expired. I made many calll to resolve the issue, and was finally assured the bill would be canceled, then the next month got a credit notice. I was in the hospital ( can be confirmed - Im a XXXX ) much of XXXX, and could not respond to ( did not know about ) credit demand, so am now trying to get fair settlement and expunge record from my otherwise good credit. I believe that XXXX uses this tactic as an anticompetitive tactic to punish folks who switch from their service. Representatives from the credit service and XXXX regularly hun ip on me when I daughter to resolve this unfair and unreasonable debt. As an aside, we switched because XXXX does not have coverage where we moved 7months ago, which is why we switched services.

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 2018-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
The incident is about a WIRE TRANSFER. I was involved in a Love Scam. I do admit that i WIRED the money to capital one ( acct : XXXX rtn : XXXX ) the name on this account is under ; XXXX XXXX XXXX XXXX the amount of the transaction was {$40000.00} us dollars. 
The bank Captial one, called me on XX/XX/2018 to advise me that the wire i had submitted was Fraud! I have been calling ( XXXX ) XXXX rep XXXX is the one that called me and the next day it was XXXX from Capital one. I requested them to cancel and stop the wire from being transfer to that business account. 

The bank Capital one has advise me to call my bank to do a re-call and a hold harmless letter. I have been contanting my bank XXXX XXXX XXXX XXXX XXXX ( XXXX ). My credit union has not been able to do the recall, because they dont have the system to do the recall. 
I have contacted a lawyer and I have also submitted a Complaint referral form to the FBI called Internet Crime Complaint Center ( ICCC ). 
The FBI agent XXXX XXXX ( XXXX ). He has called my credit union and asked for XXXX XXXX ( XXXX ) XXXX she is in the fraud department. The FBI agent also called the wire dept for XXXX and asked for XXXX XXXX ( XXXX ) XXXX and he also emailed the wire dept XXXX, and got no where with them. They have not been able to follow the FBI instructions. 
They are not able to do anything for me! 

I need you, CFPB to help me regain my money. I need my money back. No one has been about to help me. I have mailed the FBI compliant letter to Captial one and i have emailed them the form too, to FDIC ( XXXX ) and to Captial one abuse email. They have it in an email and a physical paper of the FBI Complaint. 

Please tell me what to do. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: OH
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 am trying to fix multiple errors on my Experian credit report and they keep sending me emails saying they dont think it was me that submitted the disputes and are not doing anything about it even though I have sent id documents and everything and they have previously did the same response. It seems they are doing everything in their power to not abide by the fair debt reporting act and investigate properly and remove inaccurate information. I guess trying ti save money or man power while my credit is suffering and I am trying to buy a house and cant because of this inaccurate reporting. I need help to get then to actually do this and stop playing games with my life. I have attached the email and this is multiple times in the past few months they have done this.

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 2023-11-01
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
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:
Went to the XXXX XXXX XXXX.Ordered XXXX item that cost {$20.00}. Left bar. Saw my card was charged for {$110.00} dollars. Asked the business to provide a Reciept. Reciept provided had wrong items ordered {$57.00} and a tip of {$53.00} dollars. The signature was not mine. Navy federal which has hundreds of examples of my signature says its closed and wont provide me the document they used to say it was correct or they attempt to place me on hold for XXXX hours. XXXX XXXX XXXX XXXX would not refund my money. I informed the person I spoke with that someone had forged my signature and they attempted to check the cameras. They said the camera was unable to go back that far. I have XXXX witnesses willing to provide a sworn statement. Below is a copy of my signature on my drivers license and the Reciept with the forged signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Bull City Financial Solutions, Inc
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I have asked for help since XXXX to present with a medical debt from XXXX XXXX. Im having hardships and unable to pay due to Covid-19 hardships. The account was sold to Bull City Financial Solutions. Bull City has reporting negative on my credit report for years. May I ask for a Goodwill Deletion on my credit report. I am seeking and applying for a mortgage and Im receiving social security XXXX funds. 

I have asked for help since XX/XX/XXXX with a debt due to Covid-19 hardships from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX acquired the account and now has sold the account on XXXX to XXXX. XXXX has threatened to sue me for an old credit card debt. XXXX I ask for a Goodwill Deletion on my credit report. I am seeking and applying for a mortgage and Im receiving social security XXXX funds Yours very truly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: NAVY FEDERAL CREDIT UNION
State: NM
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 disputed a botched XXXX done overseas. They closed the dispute without providing a provisional credit or contacting the merchant. I received an email stating dispute closed due to no documents provided but no one called or wrote what documents were needed. I provided medical records and an email showing the pffice is refusing to see me. I also can not be seen in the XXXX since no doctor will treat me due to being seen in XXXX and they are forcing me to provide documentation that can not be provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Truist closed my account for no good reasons. I am provided that it's some fraud and they are closing my account.On or about XXXX XX/XX/2023, I opened Truist account with the promotion code. Only after getting the account opening confirmation, I setup direct deposit. Now I got this letter from Trust on XXXX XX/XX/2023 where they are closing my account. What will happen to cash back bonus that I earned out there? What will happen to my direct deposit. 
Is this TRuist so lousy that first they let people open the account and later find that it was fraud. All the information - Driver 's license and social security and address is provided but still I am facing closure of 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 2022-11-21
Company: Chime Financial Inc
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello, this complaint is against Chime. My transactions were XXXX XXXX {$50.00} XXXX XXXX {$65.00} XXXX XXXX {$70.00} XXXX XXXX {$90.00} XXXX XXXX {$100.00} XXXX XXXX {$50.00} XXXX XXXX {$8.00} XXXX XXXX {$100.00} XX/XX/2022 {$80.00} These transactions were made to XXXX XXXX and XXXX XXXX. XXXX XXXX was the event Planner for my XXXX XXXXXXXX. I signed a contract that would be effective XXXX, XXXX. Where it states that her and her team would be coming and decorating my daughters party. The only thing I received from her was invitations that she charged {$400.00} when they were {$340.00} she came to my house I have witnesses where she got paid cash for them. XXXX received {$180.00} from me. I got a call on XX/XX/XXXX from XXXX XXXX from XXXX XXXX phone saying she wasnt going to be able to do my daughter party due to an XXXX  I told him I was sorry not to worry. I let day go on and ask for my money from every single account including XXXX XXXX thats {$150.00} dollars she owes me from there as well. XXXX got upset and I have messages and recording where he told me he was sorry but he had nothing to do with anything but that he would try and see where my stuff was at. He then said he couldnt do anything. I asked for my money he got upset. I said theres a contract that states she would have a team regardless if anything happened to her. He said everyone is worried for her. I said I understand but I dont want to take this to court he then said he had no access to the accounts. Yet somehow he knew I was asking for the money back.. I started the disputes with CHIME and all of them were denied the disputes started since XX/XX/XXXX I have tried about more than 10 times to through e mails and calls to tell them to please help me get my money back. Today was the last call and e mail. I sent all the information to them but they just keep closing the dispute. They allowed me to get scammed. Like I said I only received the invitations and they were paid cash. I explained everything in detail to CHIME sent pictures audios but they dont care and dont help Im very upset. How many more people are they going to allow this to happen to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2023-10-28
Company: LEXISNEXIS
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The company lexisnexis risk solutions XXXX XXXX XXXX XXXX ga XXXX XXXXXXXX XXXX They are stating that I had accidentally of XX/XX/XXXX never had an accident I did have a speeding of XXXX XXXX XXXX and in XXXXXXXX XXXX XXXX was a coverage claim for inclement weather that damage my car but the accident I'm disputing incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: NJ
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:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
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 XXXX XXXX and I am submitting this CFPB Complaint once again to express my extreme dissatisfaction and outrage regarding the fraudulent items listed on my credit report. It is unacceptable that there are several items that I did not open or have any knowledge of, and it is clear that my identity has been stolen. The items in question, which include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$18000.00} XXXXXXXX XXXX XXXX XXXXXXXX Opened XXXX. XXXX, XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$530.00}, are a blatant violation of my rights and have severely impacted my financial standing. I demand that the Credit Bureaus take immediate action to investigate and remove these fraudulent items from my credit report without delay. As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is the Credit Bureaus ' legal obligation under the Fair Credit Reporting Act to conduct a thorough and prompt investigation into this matter. I expect to receive a written response from the Credit Bureaus detailing the results of the Credit Bureaus ' investigation and the actions the Credit Bureaus have taken to rectify this situation.

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 2015-05-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
My complaint is against the credit bureau Equifax. Several attempts have been made to all three credit bureaus in an attempt to have a negative item removed. Equifax has repeatedly failed to properly investigate my dispute and I have provided more than enough documentation to prove me claim is true and accurate. Had Equifax seriously investigated my claim, they would have found the proof of the error is in the credit report itself. 
In my credit report in the " Closed Account '' section, there is an account with XXXX 's ( XXXX XXXX ). The information states ; ACCOUNT OPEN XXXX/XXXX/XXXX, LAST PAYMENT XXXX/XXXX/XXXX, CLOSED ON XXXX/XXXX/XXXX. 
XXXX XXXX XXXX acquired the debt at some point and fraudulently re-aged the debt. On the credit report, they have FALSELY reported the following ; Account ( XXXX XXXX XXXX ), DATE OPEN XXXX/XXXX/XXXX, DATE OF FIRST DELIQUENCY XXXX, DATE OF FIRST MAJOR DELIQUENCY XXXX. 
I received notice from Equifax on XXXX/XXXX/XXXX that this account is not reporting on their file. However, in violation of Federal Law FCRA Part ( A ) ( 5 ) ( B ) ( ii ) they have reinserted this negative item onto my credit report on XXXX/XXXX/XXXX. This violation of Federal Law caused my credit score to drop XXXX points. 
Equifax is in violation of several Federal Laws and has neglected to properly investigate my claim. From my understanding of Federal Law, Equifax is obligated to do the following ; Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. 
Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. 
You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
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:
BANK OF AMERICA, FIA CARD SERVICES AND XXXX XXXX ARE IN COLLUSION AGAINST THE CONSUMER. ON XX/XX/2020 I APPLIED FOR CARD XXXX. BECAUSE OF BANK OF AMERICA XXXX XXXX IS FREZZING MY CREDIT FILES.

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 2023-05-02
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX and I am submitting this CFPB complaint in response to the Credit Bureaus ' recent investigation. I do not agree with the Credit Bureaus ' findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting these information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular items in question : XXXX XXXX XXXX  Opened XXXXXXXX XXXX XXXX XXXXXXXX : {$250.00} - I demand immediate confirmation of the payment history and status of this account. Your records are not consistent with my own and I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. I demand a thorough investigation and prompt correction of any errors to ensure legal and lawful accuracy. 
XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/2019 Balance {$0.00} - This account has been paid and yet the current status is showing derogatory information that is unnecessary and damaging to my credit report, which is in violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect the consumers from unfair credit billing and credit card practices. This account should not be showing the current status of 30 and 60 days late since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. I need this erroneous account removed from my Credit file without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28
Company: Regional Management Corporation
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
This company has called me 28 times left 9 voicemail and 2 text within 7 days of being late. The manager called me from her personal phone and told me she is allowed to call up to 6 times per day. They also continue to offer a resolution under the guise of help called a fresh start when in reality it starts over your year period of paying interest only which they do not tell you upfront since they represent it as help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly correct the following items immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-03-14
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
TD Bank Growth Money Market Account was opened and added to my online banking. I did not request nor apply to have this account opened. I have contacted TD Bank to have the account closed and investigated. TD Bank submitted this situation to their Fraud department. TD Bank recommended that I also submit a report here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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