BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
To whom this letter might concern. 

My Name is XXXX XXXX. And I am writing this to inform CFPB, on The level of disrespect, I have received from Bank of America, back in XXXX I filed for unemployment and I never received any letters from unemployment sating if I would get unemployment. So again I filed another one In XXXX, The same thing no letters, no phone calls. I eventually got a job in XXXX XXXX and no longer needed unemployment. 

In XX/XX/XXXX I was preparing for XXXX, spoke to representative that works for unemployment who at that time was helping me file for XXXX, during our time on the phone.The representative informed me that they have been paying me unemployment since XXXX, and I should have received a card from Edd, Bank of America. I than explained to him that I have never received any card from bank of America, XXXX XX/XX/XXXX, I received a card from bank of America. XXXX informed me to call them, so I can request a card, XXXX were sending my payments on that prepaid bank of America card. when I signed up for mobile banking, I notice all these deposits from XXXX all unemployment. I also noticed that the money was being sent to a different bank account, I called bank of America and informed them that It was fraud that happened on my account that I have never seen or done. The area that these transaction were happening was in XXXX XXXX, I have never been to XXXX. and some city 's in California, I live in XXXX XXXX California  I reported the fraud and the amount that was stolen from my account was XXXX that unemployment sent me. Bank of America did not bother to investigate, They sent me a letter stating that they don't see no fraud on my account, XX/XX/XXXX I spoke to a bank of America representative who informed me that on XX/XX/XXXX. That a card was issued out to me. which I never received, They are withholding information on where they actually sent the card. they keep denying the claims and the last time I checked that's breach of contract and holding me liable for something I did not do. there is a policy that Edd has for situations like this and that is zero liability If fraud were to happen on my card or account. I also sent them over a police report but they are not helping me at all I need help!!!!!!!!!!!! 
Best regards 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 2023-11-09
Company: EQUIFAX, 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 believe that I am a victim of fraud and/or identity theft. For the past two years, the thieves have made my life a living nightmare. Performing 'normal ' financial activities have been an uphill battle and I am writing to dispute the following items on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or someone pretending to be me. I never authorized, used, or benefited from these accounts or transactions in any way. Please validate this information with the XXXX XXXX XXXX XXXX XXXX and provide me with copies of any documentation associated with this account bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Selene Holdings LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/XXXX Selene Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX RE Original Loan # # XXXX, New Loan # XXXX Selene Finance, It has been brought to my attention that Selene Finance had held the original loan # XXXX from which was sold/transferred from XXXX Financing XXXX XXXX. Selene Finance held the loan # XXXX from XXXX. The loan was then sold/transferred back to XXXX XXXX XXXX XXXX. Under the new loan # XXXX that was created by Selene Finance the loan was transferred/sold back to Selene Finance XXXX. On XX/XX/XXXX, Selene Finance sold/transferred the loan to XXXX XXXX  XXXX 

Selene Finance had no authority to offer any loan modifications, collect any payments consisting of principle, interest, and escrow. Selene Finance also had no authority to sell/transfer the loan because the loan was not held by Selene Finance XXXX XXXX the loan was paid off. In XXXX, according to legal official records filed in the XXXX XXXX XXXX XXXX the loan was authorized and held by a Government/State entity called The Florida XXXX XXXX and XXXX official records states Satisfaction Of Mortgage Note and Loan Modification Agreement in XX/XX/XXXX. 

On XX/XX/XXXX, I spoke to XXXX, a customer service representative for Selene Finance and she stated within the documents that the loan has been paid off. I already had acknowledgement of this information.What is in question, why did Selene Finance sell/transfer the loan to XXXX XXXX  , when the loan was already paid off. 
I AM REQUESTING ALL DOCUMENTS PERTAINING TO THE LOAN, FROM BOTH LOANS # XXXX, AND NEW LOAN # XXXX I am also requesting to be reimbursed : ALL PAYMENTS INCLUDING PRINCIPLE, INTEREST AND ESCROW FOR THE YEARS XXXX, XXXX, XXXX, XXXX, XXXX, PAID TO ME WITHIN 30 DAYS OF THIS LETTER. 

On XX/XX/XXXX Selene Finance generated a letter, NOTICE OF DEFAULT AND INTENT TO ACCELERATE. According to the Florida Office of Financial Regulations, this falls under XXXX XXXX practices. Selene Finance used unethical and unfair tactics generating a false document to receive money from a loan that was already paid off. 

In closing, there will be a complaint filed with CFPB and HUD Department XXXX Housing and Urban Development about this matter. Also attached to this letter is the Legal document, Satisfaction Of Mortgage Note and Loan Modification. 

Govern Yourselves Accordingly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
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 am a victim of identity theft. I filed a report with the FTC. The following accounts that are on my Credit Report do not belong to me. Please reference the attached 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 non-monetary relief
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: AL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I checked my capital one account and noticed that 2 of my accounts said that funds cant be withdrawn and I didnt know why. I had just deposited {$1100.00} into a joint account that belongs to my daughter and I a couple days before. When I contacted the bank they said that someone had disputed a XXXX  transaction that was sent to my daughter over 6 months ago so they froze the account. The money wasnt sent to either of our joint accounts. My money is being held because the bank said they have to do an investigation and they dont know how long it will take to complete it. I really need my money as I have XXXX kids. The bank has since closed my daughters accounts and ended their banking relationship with her although an investigation hasnt been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: EQUIFAX, INC.
State: IN
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:
In CFPB complaint number XXXX against XXXX XXXX for selling inaccurate data about me to other companies was closed with company response on XX/XX/2022. In that response both bankruptcy records they sold to XXXX, Equifax and possibly XXXX XXXX was indeed inaccurate and erroneous, in turn they removed both records. On XX/XX/2022 XXXX responded to my dispute of these items that the supplier of the information ( XXXX ) CERTIFIED that the data was correct and belonged to me. I am wondering if these items were removed by XXXX from their records how could they certify these same items to XXXX 9 days later? It is clear XXXX is WILLFUL in the neglect of the inaccurate data on my credit report. I want it removed immediately! They have 10 days before I file lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: LD Holdings Group, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan servicing company is the Loan Depot. I have applied for a forbearance since XXXX, have made multiple calls to them, sent a total of 11 emails to date and I can not get anyone to process my forbearance that we have a right to use under the new act. They keep responding to me with generic emails and to date and yet to call me back with a supervisor or manager to address this issue. I was being for XXXX waiting for the forbearance to go through until I had to make a lump sump payment so that can take out a loan for my business without them seeing that I am behind on my mortgage, which put me a deeper financial hole. I don't know what else to do. I don't know how else to take action to get a forbearance processed and give me some breathing room. Please, if there's anything you can help me with let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Radius Global Solutions LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX is an internet communications company that at the time was the only provider on the base Im stationed at. 

Never did I sign an agreement, agree to any specific terms other than a fixed rate internet plan. 

They are attempting to charge me for one month of an internet service I have never used and never signed any document about. One that I have tried to rationally discuss with them, and have been continuously mistreated. I have been disrespected and mistreated by their customer service. 

I received equipment and didnt set it up, due to moving, and tried using their customer service to return it. 

Repeatedly they were extremely unprofessional, hard to deal with and wasted hours of my time. Hanging up on me multiple times. 

I had to go in person just to get the equipment returned, a note was put in by a kind employee who said the charge would most likely be removed. Upon returning the equipment to a store in person, I was told that the equipment fee was waived. 

They continued to harass me with further emails and calls stating I owe them for a month of internet. My attempts to contact were in vane. They continued to harass me while at work. A company Im forced to use on a military base because XXXX XXXX XXXX military has gone out of its way to misuse and harass me. Even attempting to interrupt my work. 

Theyve now sent this imaginary debt to a collection agency, refusing to let me represent myself or justify my situation. 

I would happily bring them to court and set a precedent if needed because this is not right in any way, and I would imagine some people would know its completely wrong and just pay this aggressive unreasonable company. Their customer service takes hours to use and gets you nowhere. 

This company doesnt treat you like a person or attempt to assist you. The customer service team is in another country, and has a list of automated responses. They dont have supervision to route to, they simply humiliate and waste time, while this company does whatever it wants unchecked. I was forced to use this service until I moved.

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 2021-02-27
Company: Experian Information Solutions Inc.
State: IN
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 consumer credit agency is one of the 3 major credit reporting bureaus and has reported a decrease in my credit score three times in the last one month! This has negatively impacted my credit score and hurt my credit! Recently, I received a credit limit increase on my XXXX XXXX credit card. I also have an XXXX XXXX card with a {$3100.00} limit. The balance on my XXXX XXXX card is {$710.00} and my total credit usage is under 30 % for all cards but Experian has lowered my score. There have been no new recent negative accounts on my report, only POSITIVE activity yet Experian lowered my score. I called their dispute department and spoke with rep. XXXX who then transferred me to customer service rep XXXX-operator # XXXX. Per XXXX he did not understand why my credit score decreased! He mentioned that he saw a mortgage on my accountI DO NOT OWN A HOME. I HAVE NEVER HAD A MORTGAGE. He then transferred me to his supervisor who ALSO did not know why Experian is reporting decreases in my credit score. Please help me because this is negatively impacting my score and hurting my credit. Experian just transfers me from one person to the next.

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 2023-08-08
Company: BANCO POPULAR DE PUERTO RICO
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
On XX/XX/XXXX, I opened a savings account with Popular Direct Bank. On XX/XX/XXXX the {$500000.00} funds were taken from my XXXX checking account. On XX/XX/XXXX, we were able to log in to our online account and view a statement showing the amount had been deposited into the savings account, and as of XX/XX/XXXX, we had accumulated approximately {$67.00} in interest. 

Also on XX/XX/XXXX, we were able to open a {$100000.00} CD. That money was taken from our XXXX checking account on XX/XX/XXXX. 

On XX/XX/XXXX, we received a letter in the mail dated XX/XX/XXXX stating that our savings account had been closed pursuant to the terms and conditions of the XXXX, and that the account balance is currently {$0.00}. 

I am locked out of our online account, and can not find out where my money is. I have been trying to get some answers from Popular Direct, and have been told nothing, except that " due to security reasons, they can not tell me why they closed my accounts. 

Today is XX/XX/XXXX, and I spoke to someone at Popular Direct. He told me that my CD has also been closed, and that my money will be transferred back into my XXXX account XX/XX/XXXX. He also informed me that I will not be earning any interest on my {$600000.00} in total during the time that they have it because my accounts have been closed. 

So, Popular Direct closed my accounts for no reason with no explanation, holds my {$600000.00} for 2 weeks, and I get no interest? Nothing? Is this even legal? In what world does it take 14 days to wire or ACH money from one bank to another? I want compensation for Popular Direct borrowing my money for their own gain. 

Background : We had a {$950000.00} 6 month CD at Popular Direct XXXX XXXX XXXX XXXX. We cashed it in, received our principal and interest, and used some of that money to open this savings and CD account. We thought they were a reputable bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
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:
I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: WELLS FARGO & COMPANY
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
my complaint is with you. I receive e- mails from you, I have a case number but when I call to give you up dates you say you have no records of my case under my name or e- mail address. WHY? my case number is XXXX if I do not exist how is it you send me e-mails

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 2023-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
Capital one egged my into applying for a loan with emotional ploy advertisement and denied me then played me to apply again and denied me and now they are telling me to apply again and leave a survey on how I am enjoying capital one. I am being discriminated upon and have XXXX unauthorized inquires because no clear and conspicuous disclosures were given and I was tricked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2022-04-12
Company: Verisk Analytics Inc
State: IN
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:
I have sent you several request to remove this error from your records as other credit reporting agencies have. Supposedly you sold XXXX XXXX erroneous information about me and an unverified bankruptcy. I have spoken with the courts who have responded with no record being reported to me! I know they haven't provide your company with the information. I further looked at XXXX records and it reported case number as invalid. I received the case number from XXXX XXXX who states you provided with with the data. I have also learned that you will claim your company is not a credit reporting agency but a third party data collection company. I really don't care which one you claim to be I do know legally public records are not formatted to meet CGGR standards or defined as a consumer report under FCRA. I learned that from a company called XXXX when they too had to remove this information from their records. I have provided you with their response to a CFPB complaint filed against them on XX/XX/2022. They responded and removed the inaccurate information on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX by capital one is not reporting accurately. XXXX XXXX fico score does not update. XXXX XXXX will not delete the capital one accounts that are closed instead XXXX XXXX is reporting on XXXX XXXX and XXXX XXXX XXXX closed Capital One acconts as open. XXXX XXXX  will not delete duplicate accounts of Capital One XXXX XXXX does not report accurately on my credit profile to XXXX, XXXX and XXXX. XXXX XXXX only reports on my Capital One accounts. XXXX XXXX repair credit service does not do what it says it will do it appears to be bias to other accounts and does not consider accounts in good standing thus continuing to report on capital one closed accounts as open and curtails the score very low. Credit Score points never reaching ove 4 points but decreases monthly due to closed accounts being open. 
The total amount of debt XXXX XXXX is reporting is inaccurate. The credit usage is inaccurate. 
The XXXX XXXX shows average on for accounts paid on time this is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
Consumer Financial : I did paid off on credit card, Lease, and phone bills. It didnt repair on Transunion, XXXX, and 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