BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
To Whom It May Concern, I am writing to report that I am a victim of identity theft. Starting from XX/XX/XXXX to XX/XX/XXXX, all the details will be attached on Identity Theft Victim 's Complaint Form below. I discovered that unauthorized bank accounts, credit cards, and other financial accounts. I also received notification that a new credit card had been opened in my name without my knowledge or consent. 

I immediately contacted my bank, credit card companies, and other financial institutions to report the suspicious activity and to request that my accounts be monitored for further fraudulent transactions. I also filed a report with the Federal Trade Commission ( FTC ) at identitytheft.gov and obtained an Identity Theft Report based on my complaint. 

I have also placed a fraud alert on my credit reports with the three major credit reporting agencies ( XXXX, XXXX, and TransUnion ) and have requested that a credit freeze be placed on my accounts to prevent any new accounts from being opened without my permission. As well as unauthorized accounts deletion which has been denied. 

I have filed a police report with my local police department and provided them with any documentation or evidence that I have related to the identity theft. 

I am monitoring my credit reports closely and checking them regularly for any new accounts or suspicious activity. I am also working with my financial institutions to resolve any issues related to the unauthorized transactions but could not achieve any results. 

Please let me know if you require any further information or documentation from me in order to assist with your investigation of this matter. 

Thank you for your assistance in this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2019-06-06
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I applied for a balance transfer of {$4500.00} from American Express credit card to my XXXX credit card on XX/XX/XXXX. I did it over American Express 's balance transfer website. However, after 1 month, even though my American Express card showed it was completed and added that amount of money to my current balance, my XXXX credit card still had not received that transfer. Then I called the customer service of American Express and they found that their online system incorrectly recognized my XXXX credit card as a XXXX credit card ( I don't have any account with XXXX XXXX!!! ). They said it is their fault and they will take care of it by retrieving the money back from XXXX XXXX and canceling this balance transfer. However, I have been waiting for another month now and they still have not been able to get this fixed. I have been calling them every week and they always said there is nothing they can do -- I should wait and call them back in a few more days. Because of their fault, I was paying interest charges from XXXX and also paying the balance transfer processing fee from American Express. Another critical issue brought by this is that I am currently applying for mortgage to buy a property, and a credit card with nearly full balance for nearly two months would not help with my application at all! Please help. I just can not deal with American Express any longer. Every time when I called them, they just tell me that I have to wait without providing any detail regarding if and when this would be resolved. Another month or even longer? Please help. Thanks so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: EQUIFAX, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
i purchased a vehicle through XXXXXX/XX/XXXX. When going over the financing application i spoke to a representative from XXXX they had indicated the intrest rate would be 17 % and within 3 months of making payments i could refinance the loan through them. This was a outright lie i called them to refi the loan and they stated they do not offer that option.XX/XX/XXXX targets committees of color lying and taking advantage of minorities by utilizing this bait and switch tactic. I have called them numerous times to fix all of the damage they did to my credit, once i realized they were not going to refi the loan as promised i told them i needed more time to pay since the rate was so high they insured me that was ok. Then they intimidately started to ding my credit. This XXXX organization needs to be held accountable for their lies and deception

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: NAVY FEDERAL CREDIT UNION
State: CT
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:
Ive paid my credit card off in full also my business account over XXXX total Navy federal took my money and did not mail my the credits checks promised to me .Ive failed police reports and CFPB and ftc and affavidits Ive sent to them over several months ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
XX/XX/2020 I sent dispute letters to TRANSUNION i have yet to see my dispute results. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 


XXXX/DEPT OF ED XXXX XXXX XXXX XXXX US TREASURYXXXX XXXX US TREASURYXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDUCATION 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 2018-12-31
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I HAVE A XXXX XXXX XXXX REPORTING ON XXXX  ONLY FOR XXXX ACCOUNT NUMBER XXXX I HAD DISPUTED THIS ACCOUNT AND I GOT A LETTER FROM XXXX XXXX SAYING THERE WHERE GON NA REMOVE IT IN 30 DAYS. XXXX AND XXXX ALREADY DELETED THIS ACCOUNT. ONLY XXXX DID NOT. PLEASE UPDATE XXXX TO REMOVE THIS ACCOUNT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company Shellpoint Mortgage Servicing has put my account without my authorization into a forbearance plan on XX/XX/XXXX. 
Since then I have been calling twice a week and I have emailed them requesting the removal of forbearance plan. I received a letter and was told by customer service that I am not in forbearance and that is the IT problem and that the ticket was created on XXXX XXXX. Nothing is solved as of today XX/XX/XXXX 2021

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Portfolio Recovery is reporting 2 accounts as collections on my credit report. When I went on their website, they stated the accounts aren't within their office but with other collection companies whom I have no knowledge or even have been sent something in writing about. Nor do they list any acct numbers on their site.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Made a {$200.00} cash payment to my credit card at the Bank of America ATM in XXXX XXXX XXXX in MD on XX/XX/2019. ATM said they couldnt accept some of the cash, and then the screen froze, eating the money. It spit out a receipt with a number to call. This is the 2nd time this has happened to me this year, the first time was with a check. When I called the number I was transferred many times because there is somehow an issue over who is supposed to handle these kinds of disputes. When finally someone took my claim they said it could take 2 billing cycles to investigate, which is rediculous. All they need to do is check the atm and it should be over {$200.00}. I think now I learned my lesson and will no longer be using ATMs especially from 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 2023-01-03
Company: Ridge & Valley Realty, Inc.
State: NE
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:
XXXX will not delete a Medical Collection that has been paid to the Original Creditor ( see attached pdfs ), in which XXXX has been notified and the tradeline disputed numerous times, the Original Creditor has been notified, and the XXXX XXXX has been notified. This is in direct violation of HIPAA as the XXXX XXXX has no need for my information or to be reporting a Collection now that the Original Creditor was paid in full. This is now also in violation of the new rule that unpaid Medical Collections of less than {$500.00} will not be reported on Credit Reports starting XX/XX/, 2023. This needs to be deleted immediately and all parties fined and also they need to compensate me for all my time and effort in fighting this tradeline that should have been deleted months and months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Bank of America charged me overdraft fees more than 1 time in one transaction

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 2019-01-01
Company: BB&T CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a personal account with BB & T. BB & T sent me a letter which stated that Bb & T debited {$100.00} from my account for a check that was deposited previously. However, on going through the history of my account I did not find a single deposit of {$100.00}. The letter that was sent also had a copy of the check. But the copy of the check they sent did not have my name on it and neither was that check ever deposited in my account. It was somebody else 's check with their personal information in it which was shared with me. On inquiring about this issue with the local branch on XXXX XXXX, XXXX they said that this debit was made because of another check that was deposited in my account for {$98.00}. If the deposit amount was of {$98.00} then why was a debit of {$100.00}? On asking this question to the bank manager as well as the clerk I did not receive any satisfactory response.

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 2020-12-01
Company: Square Inc
State: PA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
i paid for a course training and a XXXX guy scammed me using cash app one for {$600.00} and the other for {$100.00} in XXXX i would like my money back XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$100.00} XX/XX/XXXX {$600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01
Company: JPMORGAN CHASE & CO.
State: NC
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Closed credit card account last XX/XX/XXXX. After informing Chase in writing to close the account they contacted me via telephone and and confirmed that the account was closed and the balance was XXXX. In XX/XX/XXXXI received a notice that there was a balance. Apparently after my notification to close they account they posted two more transactions for a total of about {$80.00} to the suppedly closed account. They did not communicate this to me but have been applying late fees and interest without advising me. The amount is now about {$260.00}. The late payments are also reflected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-24
Company: TransferWise Ltd
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I used TransferWise to make a bank transfer in the amount of {$3000.00} from my XXXX XXXX Account to my bank in XXXX, XXXX on XXXX XXXX. They sent me an email saying the money was sent on XXXX XXXX to my XXXX account. They took the money as an ACH, which means my own bank in the USA can not get involved in this transaction. The money was supposed to be in my bank account in XXXX around XXXX XXXX or a few days after, as of today ( XXXX XXXX ) I have not received the money. My bank in XXXX has made numerous checks over the last few weeks and say no money has been received and there is no indication that money is on it's way. I have called TransferWise numerous times, sent countless emails to no avail. They keep telling me they are investigating the situation, but have not provided me with any information. I have evidence of all the calls I made to them and all the emails I received and sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: SUNTRUST BANKS, INC.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted repeatly to contact a representative with this company requesting that they validate the alleged date they claim I owe bearing my signature over 30 days ago, they have failed to do so, my rights according to FCRA is gravely being violated. also this company is reporting this debt twice, duplicate accounts which is challenging for me to obtain credit.

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 2020-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Hi, I have not used my Capital One Venture Card since XX/XX/2020, and have closed the account in XX/XX/2020. It had a positive balance of a little over {$2000.00} ( meaning, Capital One owes me that money ). On XX/XX/2020 Capital One informed me that they plan to return this amount to me within two months. Four months have passed, and I have not heard back from them. Tried to reach customer service multiple times to no avail. 

Thanks for following up on this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have an entry on my credit file which doesn't belong to me with Equifax for a closed account with an actual payment of {$890.00}, opened on XX/XX/XXXX being reported by XXXX  XXXX XXXX XXXX XXXX on XX/XX/XXXX ( account number XXXX ). I sent a dispute letter on XX/XX/XXXX challenging the accuracy, compliance and reportability of this entry. I never received any form of correspondence from Equifax or XXXX XXXX XXXX XXXX XXXX addressing my dispute and they failed to provide a resolution for the inaccurate reporting on my credit file. I sent a follow up letter on XX/XX/XXXX informing them that Equifax and XXXX  XXXX XXXX XXXX XXXX has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
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: Reporting company used your report improperly

Complaint:
Upon my records indicates TransUnion, LLC is reporting inaccurate information on my consumer report. In addition, The XXXX XXXX has been DELETED from my consumer report by consumer reporting agency XXXX XXXX XXXX XXXX. The banking system is depending upon fair and accurate reporting, TransUnion, LLC has a duty additionally failing to comply by willfully failing to follow reasonable procedures to assure accuracy. Inaccurate information a consumer reporting agency shall DELETE by law. In addition, there is a outstanding balance invoice attached. SEE Attachments.

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 2019-10-24
Company: U.S. BANCORP
State: CA
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:
Our companys US bank credit card has been stolen since XX/XX/2017 when we opened this account. The US bank denied that our account had been stolen. Denied fraud upon received of my report and commissioned a collection agency to call me repeatedly. I asked for four copies of signed credit card checks and they refused. This total amount is {$12000.00}. Just a large sum of them, a total of more than {$20000.00} was stolen. These checks were actually embezzled and paid to XXXX company by their internal staff. We complaint US bank lost our personal information and refused to accept fraud report. No one and no departments were responsible. They transferred me to different people and department many times when I told to them on the phone. Also I complained this situation to you. They didnt response either. Finally transferred to the debt collection again.

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 2019-10-24
Company: ENOVA INTERNATIONAL, INC.
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I originally got a XXXX line of credit thru cash net usa I borrowed XXXX from that line of credit I have paid back XXXX as of today XX/XX/2019. They still show I owe them XXXX. When I called them to ask where all the other money I have paid is at cause it's not reflected in my balance they told me XXXX of my payment of XXXX was interest. No place when I took out my line of credit on my phone told me the interest rate. I subsequently revoked my authorization for ach payments from my checking account. I feel this is a insane price to help someone who needed it. I will never use them again or suggest them to anyone else.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Inquiries on my credit report that I don't have knowledge of

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