BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-27
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My father passed away XXXX XXXX he had an XXXX  XXXX XXXX. He didn't have an will or an power of attorney, so my sister and I had to go to the Power of Wills to get everything straighten out between us. I'm the oldest so I had to be the executive of all his processions. He had three cars and his house. Two cars where sold and the XXXX I took in late XXXX I had called Regional Acceptance where my father had to pay his payments. I explained to them what was going on and sent all my documents I needed. I begin taking over the payments of XXXX. Granted I was late making them because I just got in to starting to pay where he left of from where he passed. Everything was okay until probably the end of XXXX by then I had paid four payments. I began to get phone calls from Regional stating that I wasn't suppose to have the car because my name wasn't on my fathers loan with them. I asked them why wasn't it told to me in the first place about the loan and what it was for or maybe how I could take over that. But I got no answers just harassing phone calls saying they was coming to get the car and that I couldn't do anything about it. I told them I wanted my money back because I had the right to get it back. at the bottom you will see the attachment that I sent to them and I haven't got any response back. Could you please help!!!!! 
Thanks XXXX XXXX I can be reached at XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
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:
This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2023 XXXX XXXX  XXXX Balance : {$4000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXXXXXX Balance : {$9100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22
Company: Genesis FS Card Services, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a notification from XXXX XXXX about opening a new credit card that I know I didnt applied for, the account was opened as of XX/XX/XXXX and received the notification on XX/XX/XXXX. I called the credit card and filed a fraud claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I wanted to call Capital One and ask them to reverse a late payment charge, my first since I have been an account holder for several years. They provide no way to get in touch with them to talk to an actual human - there is no form or email address on the website, and then when you do call the customer service line, it takes you through all of the automated crap and then when you ask to speak to a rep, it says " we are experiencing high call volume right now and can't help you, thank you. '' and then they hang up! No opportunity to leave a message or ask for a call back or anything. Financial institutions should be required to have customer service representatives.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-09
Company: Atlanticus Services Corporation
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
TBom/fortiva has interfered in my rights to life, liberty and the pursuit of happiness. This company have not shown a true bill or an Affidavit sworn under penalty of perjury that I actually own this debt. All obligations of debt are of the United States so for this company to ruin my reputation by way of the consumer report without proper due process it is a violation of my alienable rights. 
Contract law states that a binding contract has to have mutual assent and consideration ( meeting of the minds ). I was not given a loan as this company has stated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: IL
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:
Ive identified accounts and inquiries on my consumer report as a result of identity theft. These items are not related to any transactions made by me. Ive tried to contact the companies directly to no avail. Attached you will find the FTC report, my consumer statement, and my identification proving my identity.

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 2017-09-28
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am a victim of identity theft. I provided all necessary documents to Experian in XXXX XXXX to place an extended fraud alert on my file. They did accept my documentation, and placed the extended fraud alert on my file on XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX, I called Experian to request a security freeze be placed on my file. The agent said it would cost XXXXXXXX}. I explained that my file with them already has an Extended Fraud Alert and in the state of Wisconsin, I am therefore entitled to place a security freeze at no charge. The agent told me I had to submit a police report. I told him they already have the police report from placing the Extended Fraud Alert. He put me on hold, came back and told me the police I submitted for Extended Fraud Alert wo n't work for the security freeze. What???? 

He would, however, be happy to put the security freeze on if I paid the XXXXXXXX}. It seems to me what they are after is the {XXXX}, not so much a police report. 

This certainly does not seem fair or logical to me. They are making it difficult for me as a consumer,

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 2023-10-09
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a court case with an apartment complex that I was living at and the case was dismissed in court where I did not owe anything. They continued to send emails and I responded saying this court was thrown out and no response. They then sold the debt to another company which I contacted and sent them the court documents and said they would not honor nor respond to me anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On Sunday XX/XX/2023, as I was traveling, I unfortunately misplaced my cellphone and it never got back to me. I allowed some time with the hope that it would return to me, but it never happened. Instead, all my accounts : email accounts, banks accounts, social media, etc, were accessed and used on my behalf by the new " owners of my cellphone ''. When I was able to access again to my email account, I noticed that there had been some unauthorized activity on this bank account. I immediately called Bank of America to report this situation ( XX/XX/XXXX ). I also asked them help to change my online banking password, which they did. 
I opened a claim on these two transactions and clearly stated that I did not make these transactions nor know who did it, and that my cellphone was no longer in my possession since XX/XX/XXXX. One of the transactions had not posted yet when I opened the claim, so it would have been easy for the bank to stop it. 
The representative that assist me submitting the claim said " you will receive a temporary complimentary credit for these transaction and once Bank of America finishes the investigation, if they find out that it was not you who did them, the credit will be final ''. I never received that credit. 
Instead, only XXXX business days later, on XX/XX/XXXX, I got a letter from Bank of America telling me this : As a result of our research, we've determined that we are unable to honor the claim for the following : Our investigation found that the transaction in question was completed using a device that is consistent with previous valid account activity ( ... ) We now consider this claim closed. 

Clearly, in 4 days there was not a serious investigation by the bank, as I was told they would do. As the letter said, they just " research '' and found what I had already told them, that someone else in possession of my phone took advantage of it and emptied my account. 

If I am telling my bank that there is fraud in my account, that the transactions were not authorized, that I have been the victim of the robbery of my funds, why they can not reverse the transactions? Why they can not stop the transaction that was still fresh and was showing as pending? They could not at least open a serious investigation? 

Frauds may be considered a federal crime, and BofA seems to be taking these cases so lightly. 

By doing nothing and looking to the side, Bank of America is not only damaging me and me family for the loss of our funds, but they are also being an accomplice on this illegal activity.

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 2018-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX I signed up for XXXX, a Tutoring web to offer me as math tutor.

XX/XX/XXXXI received a Lesson Request from XXXX XXXX  for his daughter XXXX. We scheduled the lesson Wednesday and Fridays in the XXXX XXXX XXXX XXXXUSD /Hr. He said he was going to send a XXXX  check for XXXX USD. OF those funds XXXX  were for me as per four weeks of lessons in advance plus XXXX to cover the inconvenience. The rest, I was supposed to give it to the childcare/ caregiver.

XX/XX/XXXX I received the check. Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Phone : ( XXXX ) XXXX. Check No : XXXX. Account : XXXX. XXXX XXXX XXXX.

The XXXX  details are Origin ID XXXX XXXX XXXX  ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX  NY, XXXX. XXXX   Tracking XXXX XXXX XXXX XXXXXX/XX/XXXX I deposited the check online in my Bank of America account.

XX/XX/XXXX Funds were available. As per XXXX XXXX   instructions I made 2 transfers of XXXX and XXXX   to the Account # XXXX  of XXXX XXXX XXXX.XX/XX/XXXXBank of America bounced the Check No : XXXX According to the website wasXX/XX/XXXX but I checked the statement that day and it was not bounced.

XX/XX/XXXX I check my statement and see the scam. Immediately call Bank Of America. After waiting 30 minutes, went to the XXXX XXXX XXXX XXXX XXXX   FL XXXX  Branch. They said they advanced the funds without clearing the check in good will and that was my responsibility. They say they could not give any details of Account # XXXX  of XXXX XXXX XXXX. They say they could not give me any affidavit of the claim. They just let me use the phone to call the fraud department that bounced me to 2 more departments.

I went to the police.

As per Bank of America, they failed to take note of my claim that they hold the Account # XXXX of XXXX XXXX XXXX  which is the recipient to USD XXXX scammed to me and that is going to affect my credit record but also Bank of Americas reputation.

Again, if the impossibility to trace a scam is the argument on which they have the policy of doing nothing ; I have a real name, a real account in a reputed institution that should be investigated as a mean to repair damage to honest citizens and prevent future crimes.

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 2021-01-28
Company: DISCOVER BANK
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:
Some companies have mentioned they didn't receive all attachments. This has to do with theft of identity, impersonation, false pretenses, credit card theft, fraud payments that allowed the credit limit to be exceeded, forgery, fraud in 2017. Cards and private information was stolen out of my office before I became aware. I am re sending to Discover, 2017 Sheriff 's Report, IRS XXXX Fraud affidavit, and information on the thief who is currently inXX/XX/XXXXin Mississippi for forgery and false pretenses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: GA
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 am sending you this because the XXXX credit bureaus did not respond to my dispute letter sent on XX/XX/2022. They are reporting misleading inaccuracies on my report. This is keeping me from obtaining 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 2022-09-13
Company: Asset Recovery Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The loan that I have been sending money monthly was sold to this company XX/XX/2022 They started calling me all day all night. On XX/XX/2022 I talk to them, telling them that I was not working And he said well the amount you was sending the other company not gon na cut it with us! I was telling them that my husband was paying everything for me and I would see if he could send them more monthly and try to get a lump some together if he could get a loan. He was saying how about XXXX and I was saying Im not sure I would definitely talk to him and call you back.The he said hold on and the call was dropped.Then they started calling me again all times that night. And started again early morning.I called him back on Tuesday XX/XX/2022 to see if my husband could send a little more monthly while he applied for some loans to pay a lump sum, The guy started talking over me yelling this not how this works!!!! you just need to have your husband call me!! Good by!! Good by!!! And hung the phone up in my face .The company is Asset Recovery Solutions , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ill XXXX ph XXXX. The company I have been sending payments to was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ph XXXX here are my receipts

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Transfinancial Companies, Inc
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of last year a {$60.00} collection suddenly showed up on my credit file and I immediately contacted the collection agency " XXXX '' about the account. I was immediately informed that the address they had on file was not the correct address and the letter they sent to me never got to me so that I could pay the bill before it ever went to collections and reported on my credit report. The agent agreed and it was understood that as long as I paid the {$60.00} account they would immediately remove the account from my credit report due to not having the right address on file. This conversation took place on XXXX XXXX, XXXX and I was told it could take up to 30 days. As of XXXX XXXX, XXXX the account had still not been removed from my credit file so I called them back and spoke with XXXX, the supervisor and she ensured me the account would be DELETED from my credit file within the next 24-48 hours and if not to call back as well as she would be sending me a letter. Here we are XXXX XXXX, XXXX and I 've called twice and left messages and have yet to have anyone call me back and the account is still listed on my credit report. I am in the process of purchasing a home and this is hendering my score. I only want them to keep their word as I did mine when I paid them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Southwest credit systems is reporting a debt on my credit report and I never had a account with this company please verify this information with the original contract signed if this information can not be provide please delete all inaccurate information also please fill out attached documents and return then.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: WSFS FINANCIAL CORPORATION
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I submitted a HELOC payment of {$800.00} via ACH in XX/XX/2023. XXXX sent me a letter saying that I was delinquent in my payment. The payment was not and has not been applied to my balance. I had the bank that sent the ACH ( PNC ) verify that it was sent and accepted by XXXX bank. I worked with telephone customer service, HELOC customer service, and even went to the branch to explain and show all of the documentation. I have sent all documentation showing the payment on multiple occasions but they will not respond to me. I have no where else to go as it has been over 4 months of me trying to resolve 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 2021-06-08
Company: EQUIFAX, INC.
State: CO
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 believe Equifax is reporting an inaccurate date on the Bankruptcy listed in my credit report. I have disputed the item, XXXX times, on their website. The first dispute is still showing as pending ( over three months ago ) the second and third disputes ignored my requests to provide a copy of the document ( s ) they are using. Instead, they take one day, respond back claiming that it's accurate, without providing proof other than an electronic verification which is what I am disputing and I believe to be inaccurate. 

I was clear in my explanation of this in my disputes. I was also clear in my request for an actual copy as proof and not simply an electronic verification. I believe I have to right to view or receive a copy of what they are using under the Fair Credit Reporting Act and I clearly asked them for this. Once, they never notified me of the results as the dispute is still pending since XXXX. Twice, they took a shortcut, ignored what I was disputing and ignored the request. I have been fighting this since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: CBC Companies, 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: Their investigation did not fix an error on your report

Complaint:
Innovis credit reporting agency is inaccurately reporting my payment history. My last payment on my account was XX/XX/XXXX. They are reporting that my last payment was in XX/XX/2021. In addition the comment section of my report is also incorrect. They are reporting payment deferred which is incorrect. How can this company properly investigate my claim in 5 days and advise me that me information is accurate. I am frustrated and have submitted a letter from XXXX XXXX Mortgage supporting my dispute and requesting them to update my report. Innovis has failed to follow XXXX XXXX Mortgage request. I am seeking assistance from CFPB in resolving this matter with Innovis. 
* The comments below was copied from my Innovis credit report and pasted below * Here are their findings : Initiated : XX/XX/2021 Additional Information : Please be advised that my account is not in deferrement. I would like this status removed from my Credit Report. Please confirm with chase bank Status : Investigation completed on XX/XX/2021. The item has been verified. Please review the report for the most current information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
According to the FCRA 15 USC 1681a A ( i ) Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
My transaction history between I and Capital One Auto Finance is excluded from the consumer report. 

Capital One Auto Finance is reporting Late Payments on consumer report I have 9 missed payments and the dates are different on all three credit bureaus.

Company response to consumer: Closed with explanation