BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-24
Company: Experian Information Solutions Inc.
State: MA
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 noticed i had a fraud alert on my credit report active until XXXX XXXX i thought alerts lasted 1-2 years before re-instatement. I have made serval attempts to have the alert removed temporary or permanetly. I have called the Experian and nobody ever answers. I have sent certified letters and nobody responses. I had finally spoken to a representive that supposalbly removed the alert or phone number verfication alert, But, evevytime i apply for credit i get denied do to the alert on my report. i have tried so many times to contact all agencies but nobody answers the phone. I need to remove the alerts and confirm my phone number is updated correctly which it shows on my credit report to be correct.I have had the same phone number for 20 years

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 2019-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
About XX/XX/XXXX, I had a checking account with the Bank of America in XXXX XXXX, California. After doing an electronic transaction to order a hands free ear buds for my cell phone, I had to return it to the company but did not get my money back. I then closed my account with the bank. After a while I reopened another checking account with the Bank of America, and the bank then charged me a fee of about $ XXXX, so I closed my account again. I reopened another checking account with Bank of America in XXXX California in XXXX or XXXX. In about XX/XX/XXXX that branch, to my total shock and dismay, charged the same amount again to my checking. So you could say I'm out {$970.00} for an ear piece for a cell phone which cost no more than {$15.00}. Can you help me please, I need my money.

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 2017-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 disputed with the bureau about a bankruptcy in file. They informed me that XXXX have them the information. XXXX in formed me that they did not share any of my information with and credit reporting agency.

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 2019-07-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a letter about some accounts that they were reporting that was not mine. They Verified as accurate and updated '', but the accounts are not mine. The account on my credit report that I have requested to be deleted in which they agreed. I have attempted to get your bureau to remove them via phone, mail, and on the online dispute features ( XXXX ) with no luck. The account is for someone else. The address and the name on the attached bill is not mine. I have file a identify theft for the account that is in error on my credit report. I filed a police report with XXXX county which is included in the Affidavit to get these errors resolve in a timing matter. This mistake is hindering me. Please see attached Identify Theft Affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: U.S. BANCORP
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
It is my understanding that money orders are to be regarded as cash not as checks that have to return from any 'originating bank ' for funds availability. Consequently, it remains my business intention to have said money orders returned to the United States Post Office so that they may give protection from the intent to accuse of depositing check ( s ) instead of money orders that were somehow found 'counterfeit ' after 'depositing '. Peace

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 2023-03-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent 3 separate verification letters asking for documents that can verify the debt is owed by me, date of purchase with purchase agreement, contract that i signed with original creditor. they CAN NOT supply the requested information. they made a letter saying they bought this debt and added a screen shot of an old bill, an old bill screen shot is not verification. They are claiming I have 4 accounts with them and can con provide me with proper documentation. They are reporting on my credit report and hurting my good name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
TransUnion date : XX/XX/21 Transunion was very rude when I called about my unauthorized inquiries on my credit report that I did not authorized. I really need your help in resolving this issue. Transunion seen to be no help and didnt care about what I needed to get fixed.

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 2019-02-12
Company: WELLS FARGO & COMPANY
State: VA
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:
On XX/XX/XXXX {$590.00} was withdrawn from my checking account with out my permission. Wells Fargo never notified me of any transactions that may have stemmed from my foster child 's account being compromised in XX/XX/XXXX due to counterfeit checks being deposited and then withdrawn from his account without knowledge. First, I was told that opening a guardian account would pose no risk to my account and then they allowed counterfeit checks to be deposited and withdrawn before clearing to include allowing this to occur again and again even after the account was placed on hold following me alerting them to 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 2019-02-12
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
re : Cash App - A Square Product. 
Refund amount {$480.00} from XXXX The only contact number XXXX only tells customers to use the Cash App to contact customer service. 

Refund is ''in review '' and support tickets are being auto-closed. 
The company which is issuing refund states refund was returned. 

Cash app is seizing assets and not returning the refund total. and does not follow the correct procedures for returning a refund. 
Getting this refunded ack ASP is very important.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: EQUIFAX, 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:
I recently noticed a inquiry on my credit report. A inquiry that I did not recognize on my credit reports from XXXX XXXX XXXX. Also, I started receiving emails from this bank

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Experian Information Solutions Inc.
State: MD
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:
Please see the attached screenshot that show very serious incorrect balance and payment history recording from my closed mortgage account. The loan was service transferred on XX/XX/XXXX. At that time it had a balance amount of {$190000.00} - There was never a loan balance of {$190000.00} since the transfer date of XX/XX/XXXX. 

Also at that time of transfer the loan was CURRENT with a {$190000.00} balance. There was a first payment of {$1400.00} that was recorded on XX/XX/XXXX - the following payment of {$1400.00} was recorded on XX/XX/XXXX - with a third payment of {$1400.00} being recorded on XX/XX/XXXX. XXXX. And our records that are also supported by the monthly statements will show a consistent and on time payment history that started on XX/XX/XXXX with the last payment made of {$1400.00} being recorded on XX/XX/XXXX. So it would be great if we could get the reporting to show 17 consecutive payments starting with XX/XX/XXXX to XX/XX/XXXX XXXX last payment before second transfer ). The loan was once more Service Transferred on XX/XX/XXXX, with payments then being sent to the new loan Servicer starting on XX/XX/XXXX. 

Since the XX/XX/XXXX loan Service transfer date, we have made 20 CONSECUTIVE mortgage payments that were all made within the 15 day grace period.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03
Company: EQUIFAX, 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 sent a letter about some accounts that they were reporting that was not mine. They Verified as accurate and updated '', but the accounts are not mine. The account on my credit report that I have requested to be deleted in which they agreed. I have attempted to get your bureau to remove them via phone, mail, and on the online dispute features ( XXXX ) with no luck. The account is for someone else. The address and the name on the attached bill is not mine. I have file a identify theft for the account that is in error on my credit report. I filed a police report with XXXX county which is included in the Affidavit to get these errors resolve in a timing matter. This mistake is hindering me. Please see attached Identify Theft Affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: EQUIFAX, 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:
I went to my bank to get a home loan and and the lady at the bank told me I was not approved. At that time I wasn't sure why and went over my credit with the loan officer and there are items on my credit that is not mine XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX and there are inquiries on there that I don't know where they came from please remove them as well 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 XXXX XXXX XXXX/XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX  . I have reached out to the FTC and my local police and I am doing this on my own behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: CrossCountry Mortgage LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2020 Returned check reversal - long form {$2400.00} Mortgage Company Error that took our payments messed up our payment schedules Check was returned for no good reason. 
This took our account out of balance, Since then we were charged with XXXX additional late fees because we thought we were ahead of schedule. 

Contacted bank several times spent hours trying to get through in which we were disconnected several times after asking to speak to a supervisor because they would only waive one fee that still hasn't been waived after they agreed to waving it. 

Asked them for the amount need to remove the PMI from our mortgage but they could not answer that question. We finally got a letter stating that I am not eligible to have the PMI waived. Says we were over 30 - 60 days late on payments which was not true. This was all stemming from the account error returned check back in XXXX less than 1 month after I closed on my new home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My check was cashed with fraudulent endorsement from Citibank. 
Citibank clearly knows who did corroborated with its bank teller. But would not tell me. 
I suspect the landlord did it, because of only one mailbox. 
I have visited XXXX XXXX XXXXXXXX, Citibank, several times, and Police Report obtained. 
It is XXXX XXXX XXXX, they are all thieves, not telling me who got the money. 
I got the final letter recently from Citi, telling me XXXX XXXX XXXXXXXX is check signer, therefore tell them your problem. XXXX XXXX XXXX XXXX XXXX finally tell me to report you. I believe XXXX XXXX, XXXX XXXX. This is simple request, let me know who is thieves, then I resolve this by my own hands. 

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
Consumer complaint received 2017-10-05
Company: First Data Corporation
State: LA
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 wrote a check at XXXX number XXXX they scanned it thru tele check electronic then keep the check and sent it to the bank so the check got paid twice my bank has sent prof to tele check that it was paid to XXXX but tele check keeps sending me papers saying I still owe them. this has been since XX/XX/XXXX and here it is XX/XX/XXXX and they still are bugging me for payment {$49.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: CITIBANK, N.A.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX has had a Home Depot credit card for three months. I was told my card would be reported to XXXX XXXX by the second month of using the card and it is not showing up on my credit report. I have tried to solve this problem by calling Home Depot but they said it is automated and they could n't help me.

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 2021-05-18
Company: EQUIFAX, INC.
State: SC
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:
Good Day, This is my second time to report all three credit bureau 's .I have disputed these items over many times already and they still remain. so I'm reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXXXXXX XXXX XXXX XXXX {$73.00} / XX/XX/2021

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 2020-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Capital One Bank has failed to comply with The Equal Credit Opportunity Act ( 15 U.S.C.1691 ) by denying to increase credit limit due to social security income ( SSDI ) ( SNAP ) ( SSI ) and previous complaints file with the consumer protection bureau. 

Capital One Bank has allowed a fraudulent transaction made by XXXX to proceed after multiple transactions was declined due to the credit limit and because he exercise his rights under the Equal Credit Opportunity Act 15 USC SECTION 1691, Fair Credit Reporting Act and the Fair Credit Billing Act. ( Consumer protection law ) The cfpb amended regulations B to reflect the Dodd Frank Act. Each complaint that was filed with the cfpb was in good faith never the last Capital One Bank has allowed a fraudulent transaction to process over the credit limit after declining multiple transactions with a 30 days period from XXXX. 15 USC Section 1691 ( a ) ( 3 ) The consumer didn't authorize XXXX  to proceed with the transaction after Capital One Bank declined the transaction on multiple occasions in the month of XX/XX/XXXX. Please see the attached email from Capital One regarding the credit limit. 

The consumer has filed a lawsuit against XXXX and will be doing the same thing with the credit Capital One Bank. 

Capital One Bank has declined to increase the credit card limit due to the income verification from social security. ( 12 CFR section 1002.6 ( b ) ( 2 ) and 12 CFR Section 1002.7

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
When my private loans when to navient for repayment, the company would not work with me for affordable repayment plans. Therefore, since I could not make the payments that they required XXXX $ XXXX monthly ) they sent my account to a credit collection agency. Therefore, my loans are now in default and report badly on my credit history and I am struggling to come back from that. I will not be able to afford buy a new home, let alone a new car, even though for years I have made on time payments to the collection agency for my student loans. Navient was unwilling to work with me to lower my payments to an affordable rate and told me in order to afford payments to sell my car, disconnect my cable and to get another job in order to make my payments. They made harassing calls to me over a dozen times a day and left me no choice but to take the option of allowing the loans to fall into collections so that I could get a more affordable payment plan. Now I am stuck with bad marks on my credit since XXXX and unable to come back from this. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: EQUIFAX, 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 many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
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 was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with monetary relief