BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I applied for an XXXX credit card today XX/XX/20 and I was not approved because apparently there are some accounts reflecting badly on my credit report. I looked into those accounts more and I realized that those accounts are not mine. I did not open any of them and I have never shared my personal information with anyone such as my ID, social security number or anything else. I did not benefit anything from these accounts nor did I make any payments towards any of that debt. I have never had any account/loan with any of the companies listed on this report. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

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 2021-02-05
Company: XOOM CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
XXXX 's Xoom is preventing me from using their service through harassment that is challenging my privacy in inappropriate and unethical ways. I am trying to transfer money to a friend in XXXX using XXXX 's Xoom money transfer service. After sending all required documents numerous times, including every bit of personal identity information, they have continued to decline my transfer and have begun asking me for personal details about my friendship with this person that I am trying to send money to, and the reasons for my transfer. And yet, they have continued to decline my transfer. This is harassment and a breach of privacy and has wasted tremendous amounts of time and energy -- not to mention that I can not complete my personal transaction, which is urgent. This has been going on for weeks now. Now I feel concerned for my identity safety considering the unprecedented amount of information they have collected from me while continuing to decline the transfer. I've even been a XXXX customer for over 15 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: TRUIST FINANCIAL CORPORATION
State: TX
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 withdrew cash from my debit card which overdrew my account. Then, my monthly XXXX auto draft processed after that. It would be understandable to be charged 2 overdraft fees due to this, but I was charged 5 separate fees before my check was deposited! I called to attempt to have the excessive fees waived, they only agreed to credit one. The agent I spoke with was kind, but stated that's all she can do. She was unable to confirm how many fees I've been charged in the past 12 months. I believe that BB & T charges fees excessively, charging fees for transactions before the checking account is overdrawn. I never had this issue with XXXX XXXX, the bank that sold my account to BB & T, nor with any other bank I had accounts with. Please investigate 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 2023-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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:
Bank of America fraud Credit card compliant- In the past 2 years Ive had 3 attempts to open a Bank of America XXXX XXXX XXXX XXXX Visa Signature card under my name. Each time I report it to one of the credit bureaus. I was told if I do one, its reported to all 3. I noticed my credit score went down XXXX points because of this most current repeated attempt to open a card under my name. The only reason I know of the application is because B of A sent me a mailing regarding my account. Ive NEVER had an account with B of A. Again this is the third time with B of A. They need to tighten their practices as its impacting my credit score. Where did the breakdown happenAGAIN?

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 2021-02-05
Company: ROBINHOOD MARKETS INC.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On Monday, XXXX I initiated the transfer of my stocks from Robinhood ( RH ) to XXXX XXXX. I had {$1000.00} of buying power ( Credit ) left on my Account. 

On XXXX, I noticed that my stocks had moved from RH to XXXX XXXX and that the balance of my buying power was now at {$830.00} When RH notified me that they received my request, they confirmed that I would be charged {$75.00} ; however it appears that an additional {$86.00} was deducted from my balance. 

When I tried to withdraw my money from RH back to my bank, I got an error message stating that there is an issue and that I could not withdraw my money. 

I have tried reaching out to RH for a 2nd time via email because they do not have a telephone number listed and got a response stating : Your request to withdraw {$830.00} on Friday, XX/XX/XXXX, XXXX XX/XX/XXXXfrom Robinhood to your Preferred Checking account ending in XXXX has failed. 
Theres a restriction on your account, and you arent able to make withdrawals from Robinhood right nowthis can sometimes happen when a deposit to Robinhood was reversed by your bank. 

I have checked with my bank and there are no issues nor has anything been reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Experian Information Solutions 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:
Around XXXX of this year I received an unsolicited email to check my rate on a personal loan from a lender I have used in the past XXXX XXXX XXXX. I submitted an inquiry and waited for a response on possible loan rates. I never signed any agreements to any loans. I later received an email that I was declined and I moved on. Later I received an email that funds were on their way. This was surprising since I never agreed to a loan and never provided banking information. According to XXXX they sent funds to an old account that I had using old data and that bank account was closed by me over 5 years prior. XXXX then told me to wait and funds would be returned and forwarded to me in approximately one week. I told them that I didnt agree to a lone and they told me they needed the funds back to make corrections. I advised them that I did not bank with that bank and I did not think they would release the funds. They told me they would take care of it but it would take approximately 30 days. After the 30 days they began calling me about the missed payment and at that point I contacted my attorney. My attorney sent them a demand letter to provide proof of a loan and they failed to respond to the demand letter. They also stopped contacting me. At this point I just want the credit to be cleared of their mistakes. I provided the information to all 3 credit agencies. Two agencies deleted the account. Experian has been notified and given all documents on my part and has kept the account active. Ive asked them to provide information on proof they are communicating with XXXX  or contact information for my attorneys and no information has provided.

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 2018-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-11
Company: EQUIFAX, INC.
State: MN
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 a victim of identity theft and filed a police report with the XXXX XXXX Police Department. The police report case number that is on file is : XXXX. The following account is fraudulent and unauthorized : XXXX XXXX XXXX/XXXX XXXX,XX/XX/XXXX. The following hard inquiries are all fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: FREEDOM FINANCIAL NETWORK
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I'm a XXXX XXXX  veteran and fell into hard times with many health issues including XXXX  and needed assistance in paying my bills. XX/XX/XXXX after researching the best debt relief companies, I contacted Freedom Debt Relief and was very impressed with thier orientation and they appeared the best to handle my debtsI addressed my concerns regarding being apart of negotiation, ability to have access and receive copies of documentation from creditors and all legal documents. Freedom Debt relief agreed and also offered legal representation for an additional {$12.00} a month to protect me..with a promise from Freedom Debt that their lawyers would always be there when needed .At that point, I felt relief knowing I was being under their wing to handle my debts.and signed the documents giving Freedom Debt Relief full control of my debts along with an agreement to withdraw {$750.00} twice a month from my bank. 
It wasnt until the following year during an authorization request I learned XXXX XXXX sent documents stating I was being sued and I had not received notice nor documentation regarding that issue from Freedom DebtI questioned the actions taken by Freedom and was told it was on my web pagenever found nor had access to this information.. ..I was allowed to watch many videos regarding Freedom Relief negations which only created more confusion ... let me move forward regarding my deposits From XX/XX/XXXX - XX/XX/XXXX I deposited {$15000.00} into the my Freedom account .thinking I was paying off my XXXX XXXX accounts but was shocked to see my deposits were not going out to creditors ..instead Freedom Debt relief paid themselves first instead of to my Creditors almost {$7900.00} in Fees went to Freedom Debt relief it was a sicking feeling seeing that only my two of XXXX XXXX accounts had only been paid {$7100.00} One more issue, Freedom Debt Relief from XX/XX/XXXX through XX/XX/XXXX constantly harassed me with emails and text messages that stated ..if I didnt increase my payments to them then I would lose all the money in my accountthis went on and on every month while Freedom Debt charged more and more for fees to pay themselves.when I finally decided to move to another Debt relief program I had {$860.00} in my account ..and and request its return to my checking accountI received $ XXXXFreedom Debt relief took {$700.00} for fees .Freedom Debt Relief ..needs to be investagted!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
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: Information belongs to someone else

Complaint:
XXXX inquiry shows on my personal credit report dated XX/XX/2020. This inquiry was not authorized. Information is incorrect possibly belonging to someone else. Also show 's I have account opened with this company. Wish to dispute that as incorrect, would like to notify the creditor that I did not authorize this and is likely a result of fraud.

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 2021-02-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have attempted to resolve these issue numerus time with the credit bureaus with no resolution. XXXX XXXX is reporting inaccurate and incorrectly. To start the account is still reporting as open and 120-149 days late, although the last payment is listed as XX/XX/2018. This would make the account way more than 149 days late forcing it into charge off status. Next the late day of payment is different on each credit bureau. If the information being reported is supposed to be " verified '' how are the dates different. Finally there is a collection from XXXX XXXX XXXX and a Bankruptcy that need to be removed as well because the information does not match mine. This entire situation is completely disheartening. How can these companies just report stuff then make us American prove that what is being isn't true of correct. The entire credit reporting world needs to be revamped. Because right now it is completely unjust!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I start a Loan application ( Refinance ) with two banks. One with CHASE BANK and other with XXXX XXXX Florida. Since  the start the loan application ( XXXX/XXXX/XXXX ) with Chase it was a nightmare. No answer-back, no emails answered, errors in the loan process all the way. In summary, the reason for complaints is that they cancel the loan because they could n't verify the employment verification. While the smaller bank called " XXXX XXXX '' did n't have an issue with the employment verification. The point is that the method they used was not sufficient and did n't do their job properly. I presented all the documents required for the loan, but at the end, it was Chase bank who could n't do their job in a simple, organized matter while the smaller bank did. I just do n't understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The XXXX XXXX XXXX XXXX sent me a fake document that demanded I pay {$290.00} because I have an outstanding debt on one of my current credit cards. I was immediately concerned and gave them a call. 
This caller claimed to be a debt collector after sending me a fake document to my home address. On XX/XX/2018, I received this fake letter that had my address information, my name, and my credit card information. I assumed that it was real and called the number. The debt collector on the phone was using threatening tactics to try to make me pay a false debt. He asked if this was my number, which I confirmed. He also asked for the last four digits of my social security number, which I also gave to him. It was only when I had trouble finding the XXXX XXXX XXXX online, did I realize that this must be a scam. They dodged my questions about the " debt '' by threatening me. 
Their fake website is XXXX I am concerned because I gave him my social security number. The organization already has my address, birthday, full name, and credit card information so I am very concerned about what they are going to do with my information. 
The resolution I am seeking is for this scam to be shut down.

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 2020-10-18
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have my Texas workforce unemployment funds deposited Usbank reliacard account. For over a month now they have blocked my account. They never informed this block was going to take place. I have called just about every day 3 times a day tryingvto get this resolved. They said i need to fax in my driver license. Tax return from 20190. And social security card. I have faxed and uploaded the ids. They have noted each time. They have received it and said its still inactive w no reason why they denied the access still. They said there was fraud on my account which in that case why didnt they reissue another debit card or replacement card or give me a chance to withdraw the funds or transfer into another bank account. They have refused to help me resolve this issue and at one point told me it doesnt matter

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 2021-02-06
Company: Mountain Run Solutions, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter to Mountain Run Solutions to validate an account they are reporting on my credit report with XXXX XXXX. The certified mail letter was received by Mountain Run Solutions on XX/XX/2020 via USPS tracking number XXXX. I have not received appropriate validation documents such as the assignment agreement between the original creditor and Mountain Run Solutions, the original contract from the original creditor, a record of the payment history, or proof that the collection company is registered and licensed to collect in my state, which I requested in the letter. The information being reported on my credit reported, mainly the balance, is incorrect. The company failed to validate this debt and the account is still reporting on my credit report and reporting incorrectly.

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 2020-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have already file a Claim in XXXX 3 times but they do not take this card that is fraud off my credit. They send me a letter from my last complaint saying that it was the first time they heard of the fraud. 

Its a LIE I have filed and its still in my XXXX Credit Report. Remove the credit card off my credit. Under the H.R. 5332, the Protecting Your Credit Score Act of 2020 I DEMAND TO BE FIXED BY THE CFPB or will take  legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: Mendelson Law Firm
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Apologies for the lack of information provided in my earlier complaint. On XX/XX/XXXX, my employer received a notice to garnish my wages from Mendelson Law Firm. Prior to this notice, I had never heard from this law firm, despite the fact that they somehow had my correct phone number on the papers that were served. 
The debt in question was from a XXXX credit card that I opened XXXX years ago. Frankly, I had forgotten about that card and assumed that the statute of limitations had run out on it. The amount listed was {$1700.00}, though my original credit limit was only {$1300.00}. 
I called Mendelson Law Firm to ask what I could do about it. They told me they would stop the garnishment if I paid {$2000.00} up front, then agreed to make payments on the rest of the {$4000.00} balance. When I asked what contact attempts had been made to me, XXXX ( legal assistant ) told me that they did not have to contact me regarding the revival of a judgment ( apparently there had been a judgment in XXXX as well, but I was never made aware of this that I can recall ). When I asked what contact attempts had been made to collect the debt PRIOR to the revival of the judgment, she did not answer my question and forwarded me to her supervisors voicemail. 
Mendelson Law Firm has purchased this nearly-two-decade-old account to extort money from me. A garnishment to my wages would significantly affect me and my XXXX children, as I am the primary wage earner. They have told me that I have to pay MORE than my original debt in order to keep this garnishment from occurring - for a debt that they have never contacted me about. I am deeply concerned about the legitimacy of their business, for myself and other consumers that they are preying on.

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 2023-01-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my follow-up request to my previous complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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

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