BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-27
Company: BBVA FINANCIAL CORPORATION
State: TX
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:
BBVA refuses to remove {$190.00} worth of fraudulent charges on my credit card. 

Between XX/XX/21 and XX/XX/21, I had a total of {$650.00} in obvious fraud ( multiple transactions in XXXX XXXX XXXX ) post to my BBVA account that had a {$0.00} balance at the time. 

My card was in my possession at all times, and I nor anyone else make these charges, nor even have any idea what the companies are that were listed, nor ever recall buying anything in XXXX XXXX XXXX ) I don't know why ( if it was part of the scam ), but some of the {$650.00} in fraud was refunded a few days later, but it left me with {$190.00} in fraud on my card. 

I contacted BBVA to dispute, and was given a case number, and was assured they could see it was obvious fraud. I then received a letter dated XX/XX/21 that BBVA was refusing to credit me for the {$190.00}. My credit card now shows I owe BBVA {$190.00} which is wrong.

-- - Further, BBVA is incompetent and should be investigated by the CPFB. They do not allow any online way to dispute the transactions, and their fraud department is out-sourced with people who frankly have difficulty with the English language ( which likely means they didn't understand many of the points I was trying to make ). 

Worse, this is a MASSIVE DATA BREACH with similar transactions hitting multiple card holders that they should have been aware of, and through incompetency MANY people are having issues with BBVA fixing the problem. In fact, three members of my family wo have these cards got hit as well ( and likely filing their own complaints ) As an example, please review comments in these links, and look at your own database to potentially take action against BBVA for their breach and lack of interest in fixing : https : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: U.S. BANCORP
State: MA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I received a US bank reliacard in the mail this week. Based on research, it should be sent to people who have filed unemployment claims. I am employed and have not filed a claim.

I was notified earlier this year that a fraudulent claim was filed in my name. I reported it to the appropriate authorities.

I will not activate the card, but I want to know if there are other steps I should take to protect myself.

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 2020-09-05
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: Was not notified of investigation status or results

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Experian Information Solutions Inc.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report

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 2020-05-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC  # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2020 I sent via certified mail, deliver receipt to advise that two accounts with this bank listed on my credit report were fraudulent. This company failed to remove although cfpb complaint, police report with account listed, notarized affidavit were received. This company is acting in excess of the law. I sent a follow up letter on XX/XX/2020 demanding they comply with the law.

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 2020-07-06
Company: DISCOVER BANK
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Several attempts were made by Discover Card to reach my roommate by telephone -- which I feel is beyond unethical and unacceptable. I am trying to catch-up on bills and feel that they should not reach out to random people -- like your roommate. 

The Executive Office acknowledged on XX/XX/2020 that the company did indeed make these calls. Can you please make sure other parties aren't enduring the same unethical behavior and make contact with the company? 

Thank you for your time and all you do!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: CITIBANK, N.A.
State: NY
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:
Best Buy Credit services have been actively doing inquiries on my credit report on the dates listed below. The card is not active, they closed it in XX/XX/XXXX. Please stop making inquires to my credit report.

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Well Ocwen Loan Servicing, Loan. I bought the property for XXXX Now the Loan, is up to XXXX so they modified my loan on this amount. The house is worth XXXX XXXX dollars. I will like to complaint that they are trying to foreclose the house and I am going to loose all my savings. Thank You. 


The Company deny me for a modification. 
Please help a concern United States citizen. 
Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Radius Global Solutions LLC
State: VA
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:
Radius Global Solutions LLC is currently reporting an inaccurate account on my consumer report attempting to collect an invalid balance of {$83.00}. Ive disputed this account Via certified mail and requested debt validation ( see attached file ). Pursuant to 15 USC 1692g, Radius Global Solutions LLC failed to send me a notice of debt/debt validation and is illegally using my consumer report to advertise a debt in attempt to collect the alleged debt being reported. I have no obligation to pay Radius Global Solutions LLC and Im demanding them to remove the collection account from my consumer report.

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 2020-09-05
Company: Experian Information Solutions Inc.
State: VA
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: Was not notified of investigation status or results

Complaint:
I submitted a dispute letter with the credit reporting agencies in regards to inaccurate information on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. I sent the first letter on XX/XX/2020 and the 30 day follow up letter on XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Rash Curtis & Associates are trying to collect a debt thats is not mines and have been paid off. My credit score dropped because of this non sense. Please I need help resolving this issue. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I been trying to fix these errors with the credit bureaus but they have not been helpful. please help

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 2021-10-05
Company: Bread Financial 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:
please remove these accounts : 1. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Bank of America owes me money for overpayment. I have waited on the off chance they would not be as shady as they have been in the past and refund on their own. But unfortunately, they are true to their nature.
In Bank of Americas on written words, in their response to CFPB of a recent complaint I filed through CFPB the following statements were made : This account was closed by the bank, with an outstanding balance due of {$290.00} on XX/XX/XXXX.
They also stated and a quote : On XX/XX/XXXX, Bank of America exercised its Right of Setoff by using the {$25.00} balance recovered from your savings account ending in XXXX and the {$100.00} balance recovered from your checking account ending in XXXX, to offset part of the {$290.00} outstanding balance on your MyAccess Checking account ending in XXXX. The outstanding balance remaining on this account is {$160.00}.
Another lie from Bank of America, as stated in their own written words : We have confirmed that as of the date of this letter, your checking account ending in XXXX was accurately reported to XXXX XXXX The date of the letter was XX/XX/XXXX On XX/XX/XXXX, the balance Bank of America reported to XXXX XXXX was paid in full in the amount of {$290.00}, as reported by XXXX XXXX. Yet in Bank of Americas on written words the balance was {$160.00}. Bank of America owes me {$120.00} for an over payment of the account as Bank of America reported to CFPB and to XXXX XXXX.
Proof of Payment to XXXX XXXX with deliver confirmation attached.

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 2020-11-19
Company: ALLY FINANCIAL INC.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
ALLEY FINANCIAL XXXX. XXXX XXXX, XXXX, MN XXXX. 
Subject : a/c no XXXX auto loan XXXX I KINDLY REQUEST YOUR OFFICE TO SEND COPIES OF PAYMENT HISTORY FOR THE LAST 18 MONTHS AND YOUR RESPONSE TO MY COMPLAINT SUBMITTED VIA CONSUMER FINANCIAL PROTECTION OFFICE AND OFFICE OF THE COMPTROLLER DETAILED LOAN HISTORY. 
TO MY ADDRESS AS FOLLOWS : XXXX XXXX XXXX XXXX VA XXXX HARD AND SOFT COPY TO XXXX ARGUMENT : AS YOU ARE WELL AWARE I COMPLAINED ABOUT ALL PAYMENT HISTORY PAID AND MISSED POSTING OR ANY OTHER MISTAKES TO CONSUMER FINANCIAL PROTECTION OFFICE, STILL I DID NOT GET CORRECTIVE MEASURE BY THIS BANK IN WHICH CASE MY BALANCE IS ONLY USD {$1400.00} INSTAED OF {$8500.00} PLEASE ADJUST THE BOOK AS SOON AS POSSIBLE. SECONDLY, PLEASE SEND ME A PASSWORD RESET TO MY XXXX ADDRESS ( XXXX XXXX SINCE YOUR ONLINE SYSTEM DID NOT LET ME DO SO. 
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 2019-08-17
Company: Mobiloans, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I filled out a new application in XX/XX/2018and I received funds XX/XX/2018. I checked the box that asked if I was in the military. I also at the time didn’t know anything about Military Lending Act but the company was aware of the MLA. They were supposed to deny my application but they didn’t. Once I was aware of this later on down the road I reached out to the MobiLoans support team. I was told I was still responsible for the loan and the fees and the Military Lending Act did not cover me. After doing more research I’m not responsible for the exaggerated fees and APRs. I’m requesting my account to be closed due to the violation of the Military Lending Law.

Company response to consumer: Untimely response
Consumer complaint received 2018-10-01
Company: Carolina Finance, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, 2018, and XX/XX/2018. It is now XX/XX/2018. I sent the CAROLINA FINANCE LLC and the CREDIT BUREAUS a copy of my police report, ID, and my social security card. The companies has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: CITIBANK, N.A.
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:
Citibank XXXX XXXX XXXX, in XXXX XXXX, SD, XXXX will not acknowledge the fraud, Identity, and credit card theft of my Citibank XXXX credit card on XX/XX/2020. This fraud occurred while I was on a website XXXX XXXX XXXX chatting with a subcontract chat person working on the site. Unknown to me, she was part of a scam group that tells visitors ( me ) to download a program called " XXXX. '' The scammer says to download this program required to have a group chat, which I did. However, the program is actually ( unknown to me at the time ) is a computer troubleshooting application for technicians to enter one 's computer to solve hardware issues remotely. While I was chatting with the person, she was able to enter my account at the internet site without my awareness and stole my credit card. At that time she purchased several large amounts of " tokens '' ( totaling XXXX tokens in about 30 minutes! A breakdown of the valid and fraudulent tokens posted to her account was listed on the site. Note, most tipping by chatters is approximately 15 to 20 tokens per 20 minutes. The perpetrator then posted the tokens to her account for her profit, charging my credit card {$3600.00}! I have not paid this charge. Because of interest accrued, the amount now due is {$4100.00} per the XXXX Citibank statement, as of the closing date of XXXX XXXX, 2020. My credit rating dropped over 100 points because I will not pay the fraudulent charges! Citibank has given various inconsistent reasons why I am responsible, over several months, all of which are completely incorrect because of their refusal to accept the charges were fraudulent. They state I was aware of the intrusion (! ), and I charged this amount for a service obtained. In actuality, I " tipped '' the person only {$9.00} ( XXXX tokens ) for a chat interaction over a period of about one hour. No other tips were given! I am angry at Citibank because this group will not reverse the charges. Citibank has not followed the credit card fraudulent pertaining laws, nor have they followed their policy of not charging a credit card consumer when there is fraud involved on a credit card!!

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 2019-08-17
Company: EQUIFAX, INC.
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 am writing this due to non-compliance with the (Equifax, XXXX  ,XXXX). They have failed to remove information that was affiliated with personal details that were challenged in the past . I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On theXX/XX/XXXX company called portfolio recovery associate has reported an amount of {$1600.00} to a all 3 bureau I contacted them that it s not my account I have never ever open that account it s a fraudulent account someone open it under my name but they did not resolve the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Experian Information Solutions Inc.
State: LA
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:
consumer request to have no harsh data announcing except if it is, as required by laws, demonstrated completely obvious, right, total and ensured consistent in revealing of that unfavorable as well as any part of it. I request quick erasure of any not tribute genuinely checked and guaranteed thusly.

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 2020-11-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
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:
Hi I had fraud in my Citizens Financial Group. credit card ending in XXXX. This happened back in XX/XX/XXXX and XX/XX/XXXX. On the XXXX there were 2 charges made for {$2900.00} and on the XXXX for {$1400.00} and all of these 3 transactions were unauthorized charges and were made without my knowledge/consent. I had lost my wallet and in it my credit card and ID. I sent Citizens the police report that I filed at the time, I also told them I am willing to sign an affidavit stating that these transactions were made without my consent but bottom line Citizens still didnt give me credit back for this and are holding me responsible for this. These transactions happened overseas. I have been fighting about it ever since and I am trying to get to the bottom of this. They have been very unprofessional and I have the hardest time trying to reach out to a representative that I can talk a discuss the matter. 

I dont know what else is it that you these guys need from me. I told them to try contacting the merchant, check cameras, whatever it is that they need to do. I just want to get to the bottom of this and I want the credit back into my account. I will keep fighting this and appeal it cause I wont be held responsible for any unauthorized transactions. 

If theres anything you can do to help, please. 

Thank you My kindest regards to you.

Company response to consumer: Closed with explanation