BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I received a check for {$2900.00} last Friday, XX/XX/20 and I deposited it. I called the bank ( B of A ) on Saturday and asked if the check had cleared. I was told yes. I asked if I could use those funds. I was told yes. On Monday the bank tried to get their money from the other bank and was told the check was fraudulent. They then debited my account for {$2900.00} and charged me for a returned item. If I had been told the whole truth by the bank, I would have waited for several days. I was not. I did exactly what the bank told me and now they say they have no responsibility. I disagree, I have called a customer rep, chatted with them, and went to a branch where I was thrown out when I complained.

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 2021-07-17
Company: ERC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: DISCOVER BANK
State: TN
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 disputing this item ever since it was noticed on my credit report. There has been no action taken. I have disputed with the credit bureaus and with the company and also with ftc and sent in police report. I never got a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: EQUIFAX, 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:
I recently opened up a credit monitoring site and notice I have some accounts listed on my credit report which doesn't belong to me. I never applied or gave anyone access to my personal information to apply for any of these credit cards or loans. My attorney advised me to file a report to get these fraudulent accounts off my report. Below are the accounts reporting to my credit report which does not belong to me. 

account name- date opened- amount XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$150.00} XX/XX/XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
There are several wrong addresses that are being reported as mine on my credit profile and also there are multiple capital one and XXXX hard inquirys I have not done back to back and lastly there is a {$300.00} medical expense that was reported and that is not my bill. I was not in Florida at the time of the opening date of the file. Also that one medical report and credit card checks brought my score down 101pts in just a few days. I am very upset and need this fixed immediately. There is fraudulent activity going on and also false very negative affective reports

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I consolidated my graduate loans with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/2009. Apparently, my loans were transferred to several Service providers and consolidated again. Navient is now telling me that I owe twice as much. I have sent proof from my school showing that I only owe half of the amount Navient claims. I have repeatedly tried to get them to investigate and even got in touch with the Ombudsmen. Apparently, the Ombudsmen work for Navient. 
I have called and called and called and am continually transferred from one department to the other. 
I can not get anyone from Navient or the Department of Education to thoroughly investigate my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: MoneyLion Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2021, I received emails to my email account from Moneylion.com telling me that my phone number had been changed on the account, that a bank card was on the way to the address listed on the account, and that a virtual card was ready for use. 

The problem is : I never opened a Moneylion account, and though I am American, I do not live in the United States and have not for several years. The address on the moneylion account is an American one in my hometown, but not an address I recognize. 

The phone number on the account is in XXXX, Texas, a place I have never visited. My name, though misspelled, is on the account. I can not view the social security number they used so i can not confirm if they used mine or someone else. I subsequently changed the password on the account to lock out whoever was using it, so all they have done is upload {$190.00} to a XXXX account. 

The same day, I submitted two complaints to the company via their online submission form telling them that someone had opened an account in my name and with my email and that I wanted it closed. I only received one response telling me to call. I have called, via XXXX XXXX ( which used an American phone number ), and got no answer. 

There are no options on the website, either computer or mobile, to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
I have been a Bank of America customer for 18 years. In XXXX I opened a credit card with them and always paid it on time. In XXXX I ran into financial issues because I have lost my business. Bank of America refused to work with me and didn't want to offer me any kind of options. I offered to pay them fully over 60 months at 0 % interest rate, and they refused, and instead opted to pile up interest and late fees onto my balance. In XX/XX/XXXX, Bank of America made me a settlement offer. Bank of America asked me to pay {$6200.00} over the next 90 days. The payment dates were pre-aranged during the settlement. Bank of America said that if I would settle with them, they would not charge-off my account, and instead it would show on my credit reports from all 3 major credit bureaus as " Paid for less than owed ''. On XX/XX/XXXX I finished paying off the {$6200.00} that Bank of America asked me to pay, and immediately it showed on my credit reports as a closed account, paid for less than owed. In XXXX, XXXX, I filed disputes with all 3 major credit bureaus, XXXX, XXXX  and XXXX  because Bank of America kept showing me being late even during the months of XXXX, XXXX and XXXX of XXXX, while I was making my settlement payment. About a month later, I received a dispute resolution from each credit bureau. Instead of fixing what I asked them to fix, Bank of America, out of spite, changed the account status from " Closed '' to " Charge off ''. I can not believe that a multi billion dollar corporation, a bank, that offered this settlement agreement in the first place telling me that it would prevent my account from being charged off, can act in such a childish and immature manner.

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 2023-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-07-17
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I did not have a previous balance from a prior month, but I was still charged interest for purchases that I made, despite the fact that my bill was paid in full by the due date and prior to the statement closing date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
From XXXX Wells Fargo charged me fee after fee after fee totaling several thousands of dollars

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 2020-09-23
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: Personal information incorrect

Complaint:
On XXXX XXXX I sent a certified letter requesting that the inaccurate addresses be remove from my credit file as they are not deliverable to me by the U. S. Post Office, and they are not reportable as per the FCRA, since they are inaccurate. I also enclosed the proper documents they asked for such as my Drivers License, and Proof of Current Address that were notarized. After checking the tracking number-XXXX the information was received by Experian on XX/XX/2020, I got my credit report on XX/XX/2020 and the address are still reporting as inaccurate information on my credit file. Its been pass the 30 days per the FCRA section 611. Ive called several times to the company and the agents are rude except for the one that left me on hold for 23 mins and never came back. Today I attempted again to call and got an agent name XXXX who was over talking me and told me he knows the information is not inaccurate on MY credit file WOW! I just told him I will have to take further legal action to get this minor inaccuracy resolved.

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 2020-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a Bank of America Merrill Plus Visa Credit Card for years until XX/XX/2019, when this card was suddenly closed by Bank of America without my authorization or even my awareness at all. When this card was closed, I still had XXXX reward points available in my credit card account. Before my card was closed, I never received any prior notification from Bank of American that my card will be closed. Even when the card was closed by Bank of America , Bank of America never notified me this card closure either. 

Two weeks ago, when I was to trying to log into my online account, I found that my card was already closed by Bank of America. Then I called BOA credit card customer service and was told that my card was already closed by BOA in XXXX. However, I didn't even get chance to use my XXXX rewards points before the card was closed. Although in the end of this call, BOA customer service representative let me redeem my reward points for XXXX and XXXX gift cards. However, redeeming points for gift cards made me lose significant value of the points, because the points worth much higher value if I redeem them for air ticket reservations. But unfortunately, BOA customer service representative told me that I can not reactivate this closed credit card and I can not redeem the points for air tickets either. The only redemption option that she offered me was to redeem points for gift cards, which made me lose about 50 % of the point value. 

Since Bank of America closed my credit card without my pre-authorization or even any prior notification, I didn't get any chance to redeem my XXXX rewards points for more valuable air tickets. I must request Bank of America to compensate me at least {$300.00} for the lost value of my reward points. I lost about {$530.00} value for my XXXX rewards points because the air ticket if redeemed can worth XXXX cents/point but the redeemed gift card only worth XXXX cent/point. Now I only request BOA to compensate me {$300.00}, which I believe is a very fair and reasonable resolution. 

Again, I request Bank of America to compensate me {$300.00} for my lost rewards point value and mail the {$300.00} check to my address.

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 2020-09-23
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
I am trying to refinance my house for lower payment, the refinance company said : there is a CITICARDS CBNA dispute at your XXXX XXXX XXXX report that must be solved before we do the final closing. I called CITICARDS Bank 5 times and they said ; " we don't see any dispute at your account for the last 30 years, we don't know how this dispute issue appeared at your account ''. I have it record it when they said that in my files. they said call universal credit services tell them to remove, I did call them 5 times switching me from one agent to another and all said " you must contact CITICARD to remove it they are the one put at your records. finally called CITICARDS again and the representative said ; I will try to help you to remove we will let you know in 30 days case number  XXXX. 
Please help me to solve this issue and remove it from my account my credit score is XXXX one of the best all my life worked hard to keep it at that number, thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Good Afternoon, I filed a previous CFPB complaint for this problem where I referred to the financing agreement as a reaffirmation, which is what I thought it was : Ally is calling it an Auto refinance, so I am filing a new complaint using the auto refinance terminology. 

I financed a XXXX XXXX XXXX thru GMAC which was then transferred to Ally bank. The car was titled in Maryland. The VIN number is  XXXX. The car and loan were included in a XXXX chapter XXXX bankruptcy. After filing the bankruptcy, I was contacted by Ally bank and asked if Id like to keep the car. They offered to refinance the loan and make it more affordable for me. I accepted the new loan and paid the new loan in full, every payment on time. The loan has been paid in full for more than 5 years. I have actually purchased a new vehicle since then and also financed it with Ally bank and it has been paid in full. The XXXX is in very poor condition and not running. It needs a transmission, among other problems. It wasnt until I tried to dispose of the car that I realized I did not have the lien release. I have been trying to work with Ally to obtain the lien release for over 6 months. I can not properly dispose of the car without the lien release. I have been told by Ally that they have outstanding fees totaling over {$1000.00} from the first loan that they did not include in the refinance. I have been told that they are not attempting to collect the charges because they were included in the XXXX bankruptcy but that they will not provide me the lien release until the charges are paid. I paid the new loan they gave me for the car in full and would not have accepted the refinance offer if the car was not going to be mine free and clear at the end of the loan. Ally has assigned the following case number to this complaint : XXXX. Additionally, Ally can be reached at XXXX option 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 2018-02-22
Company: Innovative Collections, LLC
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:
Wrong information and when calling them very rude, threatening to take me to court and mess credit report. Explained I have fraud alert on account this info is inaccurate and false of the debt owed. I have disputed and need off all three bureaus

Company response to consumer: Untimely response
Consumer complaint received 2020-06-29
Company: CAINE & WEINER COMPANY, 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 have absolutely no idea what this account is, I have never opened a account with this creditor or had any affiliation with XXXX XXXX and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Noticed unauthorized inquiries on my credit report. Been trying to get them removed.. XXXX says that they deleted them but they are still showing on 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 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XXXX was ordered by the court to remove the loans from consumer credit reports due to a class action law suit.

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 2020-06-29
Company: U.S. BANCORP
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 have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these 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 2021-07-17
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My attorney sent a letter to Macy 's to the account ending in XXXX but never responded

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 2020-09-23
Company: ERC
State: UT
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:
Enhanced Recovery is reporting a debt on my credit file that I do not owe. I recently checked my credit file and noticed this debt. I called immediately and paid the debt off. i never received any phone calls, collection notices, or letters and I'm pretty sure that violates my 30 day right to dispute.

Company response to consumer: Closed with explanation