BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-03
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The fraudulent incident happened on XX/XX/XXXX, at XXXX pm more or less in which appeared XXXX unrecognized and unauthorized transactions of {$400.00}, {$160.00}, and {$3800.00} made to a commerce by the name of " XXXXXXXX XXXX XXXX XXXX. Then, my father and I called the bank to notify them that there had been a fraudulent incident and wanted them to cancel the card, activate a new one to replace the one with the fraudulent transactions, have the money lost in the transactions accredited back to my account, and for evidence regarding the transactions. We then spoke the next day with another 1st bank representative to get an update on the situation, and the person then informed us that the full information of the transactions takes a few days to reflect on the bank application. We did this process XXXX times with customer service representatives by phone following the instructed procedures by the bank. After that, they sent us a physical letter on XX/XX/XXXX in response declaring that : " the claim related to the transaction ( XXXX ) detailed below do not proceed. The documents and further evidence demonstrate that the following were made processed correctly '', with which we did not agree at all due to the fact that in that same letter, no true evidence of any of the transactions being authorized correctly was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. U S DEPT OF ED/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 attempting to fix my problem with Transunion for over two years. I am a victim of the XXXX data breach. They are reporting information that does not belong to me causing extreme distress and mental illness. I have attempted in numerous occasions to call and write with not results. I have filed an Identity theft report attached I have placed a claim for XXXX Data breach I have listed again, the account 's that do not belong to me. As well as asking for bankruptcy 's to be removed as this is in direct violation of 15 USC 1681 ( 4 ) - Consumers right to privacy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: ERC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022 after receiving a copy of my credit report I wrote a letter to ERC to dispute the debt and request verification and validation documents. I specifically requested any contract or agreement with my wet signature as well as any proof of contract to substantiate they are entitled to enforce a commercial claim, I received a response dated XXXX XXXX stating the debt is valid with an attachment of the final bill from XXXX. 

ERC failed to provide any documentation requested including, but not limited to the original certified agreement with my wet signature from XXXX XXXX XXXX XXXX did they provide any documentation of a contractual relationship between Enhanced Recovery Company and XXXX XXXX XXXX authorizing them to enforce a commercial claim against me for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Each of following denied me an extension of my own 100 % per US law credit and notes of exchange XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX each committed the following violations 15 usc 1691c 15 usc 1692k 15 usc 1642 15 usc 1681m 12 Cfr 1002 12 Cfr 1002.7 In accordance with United States Codes and My Federally protected consumer rights these violations are noted and probably more, 1026.13 Billing error resolution.

18 U.S.C S.s.1029 Violation 18 U.S.C c.47 Violation 18 U.S.C S.s. 1030 Violation 18 U.S.C 1644 Violation 47 U.S.C 325 Violation Let it Be noted that I went to each party in good faith exercised and expressed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: CURO Intermediate Holdings
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... AD ASTRA REC ( Original Creditor : XXXX XXXX XXXX XXXXXXXX TN ) XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Earlier this year, I submitted a claim that was resolved and received a message that the credit of XXXX is now permanent on my account on XX/XX/2019. 
Claim ID : XXXX On XX/XX/2019, I had a Temporary credit Reversal to the amount of XXXX referencing that same claim. I did not receive any messages or warning that this would occur. 

I have called back to Bank of America 5 times in the last 5 business days. Each time I called, I was transferred to the claims department who told me that it was an error on their end and that they would follow up with me regarding it. However, there has still been no resolution and I have yet to receive a call back from anyone at 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 monetary relief
Consumer complaint received 2021-03-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I recieved a settlement check for medical bills for less then I could have recieved but because I needed to pay my bills i accepted the low settlement. Then when i took my check to my bank they put a hold on it which was fine because they stated that it was just so they could verify the funds. The other bank has paid them the money and the branch who put a longer hold then required according to the call center refuses to lift the hold even though they have my money. Now they wont close my account or give me my money. I deposited the check on XX/XX/2021 in the bank and they recieved the funds on XX/XX/2021 or sooner and they refuse to give me my money till XX/XX/2021 even though they have it and its not their money

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 2021-02-26
Company: CITIBANK, N.A.
State: MI
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: Problem with personal statement of dispute

Complaint:
XX/XX/XXXX Citi bank reported 1 late payment to the credit bureaus while I was battling XXXX XXXX illness with XXXX that my county ordered me quarantine notice and the rest of my family and XXXX year old son as well. While facing the corona virus, on XX/XX/XXXX I tested positive and an clear explanation by me to the Citi management team to make accommodations to reverse the negative report that has affected my score and in a pandemic and truthfully sick they replied to me and said were sorry we can not do anything about it, I figured if they were in my shoes maybe they would of had some sympathy. Although a payment due on XX/XX/XXXX for XXXX that includes XXXX and XXXX amount and I processed electronically and Citi bank received XXXX $ to satisfy the total amount of due and the date of the statement and the date I submitted a payment is within fair credit for the consumer, in XXXX I had absolutely no way of leaving home while I was a high risk due to my illness of XXXX I have official documents from XXXX county health department with an order.

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 2019-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I have some addresses and some inaccurate items on my credit report that needs to be fix. I need the following addresses removed from my report they are not mine : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX My name is XXXX XXXX XXXX, please remove any other spellings of my name. 
the following phones numbers are not mines please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX-XXXX ( XXXX  ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Everest Receivable Services Inc.
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Ive told them not to call. Ive told them Im not giving them the information. Ive told them to stop calling my mother. This company continuously calls my number numerous times every day. When I answer, because I do answer, they claim that they are required by law to go over a document with me and that they need the last four digits of my social security number. I continuously refuse to give the information they are asking because I do not feel comfortable doing so not knowing what this matter is even for. What frustrates me the most is that this company isnt only calling my phone, but they are harassing my mother as well. She told me that she gets at least 3 calls a day and they just keep asking where I live.

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 2023-01-06
Company: OneMain Finance Corporation
State: IL
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 accordance with the fair credit reporting act this creditor has violated my rights under 16 USC1681section 6 o 2 states i have the right to privacy 15 USC 1681section 604 a section 2it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXXXXXX XXXX Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Nelnet, 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: Account status incorrect

Complaint:
This is an issue that I have attempted to get resolved since the early XXXX 's ( XXXX up until today ) The company " Nel Net '' which services many student loans. Consistently reports my student loans as 90 day late. The two issue with that reporting ...... 
# 1 My loans were moved to new net ( supportive doc will be provided ) the previous company did not pick up that the loan had been moved therefore co n't to bill the old account thus counting it as late. 
# 2 This 90 day late date continue to be moved forward to make them appear as resent. 
( documentation to support will be attached # 3 Because Nel Net report the student loan as several units instead of as one loan ( each quarter as money is disburse ) there will be 6-7 negative repots which will show as 25 % of my report # 4 Nel Net has removed the late from record showing paid without late, yet the next 6month that false reporting will return back to my credit report What I have done to bring resolution from XXXX # 1 I have report this to all the credit reporting agencies ( XXXX, XXXX, XXXX XXXX ) ... sending the supportive document, of which I will be sending which I will be attaching to this report as well. Please pay attention the things circles to follow the time line of the manipulation of my credit report What I want Permanent correction of my credit report. 
All Student loan reporting done by ANY servicing company be reported as one loan Possible class action suit How have I been harmed There have been years where I have been turned down for credit and or paid a higher interest rate over decades that I should not have had to suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: KEYCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I switched to key bank because my employer used them for our HSA accounts and I wanted all my money in one bank. BIG MISTAKE!!!!

I had turned on the overdraft consent not realizing what it would do. I litterally could not maintain a balance in my account. It wouldn't matter if I overdrew my account XXXX XXXX  or XXXX XXXX  I was charged a fee. 
I was told as long as I deposited money into by account by XXXX XXXX  I would not be charged fees, that was a lie. I deposited thru XXXX XXXX around XXXX XXXX, the same day. The next day I woke up mortified to discover I was overdrawn XXXX XXXX! I attempted to turn off the overdraft consent without any luck. I called customer service crying. They weren't able to provide me a reason for the fees and provided XXXX assistance in turning off the consent. 
I tried for a week and a half to get it turned off. However I was charged XXXX overdraft fees within that time. I was unable to keep up with their insane charges. It seemed like the more money I put in the more fees they charged. I have been charged a total of XXXX fees and have only had my account open for about a month. 
I banked with XXXX XXXX  for several years and never had a single overdraft fee. 
I have spent hours on the phone trying get this resolved with no luck. All they do is tell me the same thing and tell me I have to wait for their special team to call me. Mean while my account continues to be charged fees. 
This bank has terrible customer service and their overdraft fees are excessive!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-12
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
received a USPS mail from Truist Online Savings account statement stating there is a withdrawal of {$2700.00}. i am not aware of this company or 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 2019-10-17
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Doctors promotes 0 % interest finance on XXXX, in this case, XXXX XXXX.  They tell you it will be 0 % for over 2 years 24 months. What they dont tell you is that is a deferred interest financing. The financing Company, post a minimum payment that should be made, a lot less if than the required amount to be cover ( assuming all 24 payments are made ) misleading the borrower to miss the promotional deadline at a 29 % interest rate. Its out of this world that you borrow XXXX and end up paying XXXX just on interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Nelnet, Inc.
State: TN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was alerted that Nelnet was now collecting debt that they had attributed to me. They gave me an account number, and sent a list of alleged debts, about 10 various accounts. I did not recognize the individual accounts and numbers owed, and was confused by what they were sending me, why I owed it, who I owed it to, as of when, etc. 

I reached out twice via email requesting Debt Validation, promissory notes, etc. Anything to validate these numbers, and ensure it's debt I actually owe. They did not answer or reference my request, yet continued to send me correspondence. Clearly my request was being ignored. 

I then called on the phone, and the representative at Nelnet told me, verbatim, " We do not have any Promissory Notes, or Debt Validation records of any kind. We can not provide you with a Debt Validation Letter. '' This raised considerable alarm. 

Am I expected to pay any number they come up with? With no documentation of any kind?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: SYNCHRONY FINANCIAL
State: MN
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:
These accounts and inquiries are not mine they was made without my permission, consent, inquires. XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX Inquiry : XX/XX/XXXX, XXXX Inquiry : XX/XX/XXXX, SYNCHRONY FINANCIAL Inquiry : XX/XX/XXXX, XXXX or All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.

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 2019-10-17
Company: Results Unlimited, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Results Unlimited Inc. LLC has been harassing me since Ive contacted them about a letter I received. On XX/XX/2019 I received a letter from them stating that I owed them a debt from XXXX XXXX in the amount of {$2300.00}. This amount is news to me being that when I called the apartments they have no file on my stay there so where this amount came from isnt proven. I have then on the same day received another letter from them stating a complete different amount. The amount in this letter was {$2400.00}. Again this was the first time I heard of this. Last I spoke to someone from this company was on XX/XX/2019 and was told that if the debt wasnt collected that they could start garnishing my paychecks on top of taking my taxes. And after speaking to them and not coming to a conclusion, I will now make an effort to file a civil suit.

Company response to consumer: Closed with explanation