BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-06
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed a debt with Experian 5 times with a response that the account being reported on credit report has been verified and is accurate. I called Experian today to ask them how they verifying the information is accurate and I was told by the agent that they verify with the company over the phone. I asked her if the are verifying with the number provided to me on my credit report and she said yes. I told her that I called thee number and its an incorrect number that the number provided is an automated service trying to sell me different things. She then provided me with an alternate number which I hung up and called the new number and its the same automated service trying to sell me things. I called Experian back and told my story again and told them I have disputed this account 5 times with them and even called the original creditor being reported with no records I owe this debt. I have sent multiple certified letters to Experian and XXXX and the company provided asking to be provided with viable evidence this is my account but I get nothing but an Experian agent telling me they verified the information by a phone number that is an incorrect number. It's a scary thing that Experian hold my lively hood in their hands but the told a bold face lie. If they had verified the debt with the number the provided then they would know its a fraudulent account and I wouldn't be dealing with this for over a year. The account being reported is XXXX XXXX XXXX with no account number provided and the address is incomplete and the phone numbers are incorrect. Please explain to me why this is being reported on my credit still?

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 2021-06-01
Company: ROBINHOOD MARKETS INC.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
ROBINHOOD trading platform has had my account in " restricted '' status for a month without cause. I used their " instant deposit '' feature and have emailed them through their website about this several times. Each time, I got a boilerplate, AI response that failed to address the issue. As a result, I have ( 1 ) incurred debt ( 2 ) been unable to pay bills and ( 3 ) now can not pay my tuition.

This company uses its " instant deposit '' scam to hold customer funds for long periods of time. Despite the fact that I have a Robinhood debit card with an ACH and account number ( through XXXX XXXX ) 1. RH does not permit inbound wires 2. RH does not have a way to make debit card purchases 3. RH does not have customer service via telephone 4. RH benefits by pooling funds and holding them in violation of the Electronic Funds Transfer Act

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently pulled my credit report and found erroneous, inaccurate, negative, fraudulent, and unverified accounts on my credit report. Because of this its hindering myself from obtaining tradeline in my name. There are several loan accounts with different dollar amounts and information, on my credit 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 2020-11-13
Company: JPMORGAN CHASE & CO.
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
JP Morgan Chase has allowed a foreign merchant to fraudulently bill me for a card not present transaction for medical treatment of a person who is dead. I have provided all the proof to JP Morgan Chase but they closed the dispute with a form letter with no reason given, no counter evidence supplied and have attempted to allow the foreign merchant to steal over {$1600.00} USD from me. See attached file for full details.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-01
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:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: AMERICAN EXPRESS COMPANY
State: NC
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In late XX/XX/XXXX I attended a one day seminar sponsored by XXXX XXXX XXXX based in XXXX, MA. The purpose was to introduce how to sell on XXXX and XXXX. There was a heavy sales pitch toward the end to purchase training DVD for {$990.00}. Then, another pitch to attend a 3 day seminar at a local hotel conference center. In XXXX, XXXX I attended the 3 day seminar held by XXXX XXXX based in XXXX, MA. The purpose of the seminar was to show and introduce how to sell on XXXX and XXXX and make a lot of money in more detail. On the 3rd day, a heavy sales pitch on purchasing what was called the XXXX XXXX which included lifetime support, telephone support, product forward/screening prior to shipping to XXXX XXXX and purchasing products to sale all for {$34000.00}. I.e., a pre-paid service. {$12000.00} of this amount was charged to my American Express Business Open account. The XXXX XXXX gave us a Top 500 list of wholesalers and suppliers. I noticed that the so-called 'Top 500 '' wholesalers list the Bowsers gave us were for the most part a dead end list because their " wholesale '' prices from these wholesalers were just too high to be profitable on XXXX . I spent untold hours crunching numbers and using all the tools they showed us and spreadsheets to the point that I was beginning to get suspicious. While these wholesalers were legitimate, they just did not have good prices according to the XXXX Sellers revenue calculator. So there went the Bowsers lie about looking for products is easy takes little time. Later this spring in XXXX, I learned that on XX/XX/XXXX, XXXX and XXXX XXXX XXXX of Washington State, filed a consumer protection lawsuit against XXXX XXXX XXXX of XXXX MA. In XXXX, XXXX, the Federal Trade Commission sued XXXX XXXX XXXX XXXX https : //www.ftc.govXXXX https : //www.ftc.govXXXX https : //www.ftc.govXXXX On XX/XX/XXXX, I contacted American Express and explain this and they refused to assist me. Another major credit card has refunded my money that I use to charge part of the other remaining {$34000.00}. 
Because of the lawsuit, I have lost all my promised prepaid services and support from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XX/XX/XXXX two {$500.00} transactions were debited from my checking account without my authorization. I contacted Regions Bank for information regarding these transactions. I was told I could not file a dispute because the transactions had not yet posted to my account. My bank statement showed that these transactions were done through XXXX XXXX. I contacted XXXX XXXX on XX/XX/XXXX and spoke with XXXX. She was unable to refund my money. I received an Email from XXXX XXXX on XXXX from XXXX XXXX and he informed me that my case was being transferred to a specialists, I need to provide more information and that it could take 45 or more days to complete the investigation. 
I completed 2 disputes with Regions bank In hopes of being refunded my money and was denied each time. According to the bank, the reason for denial is that the transaction verified with my card credentials. No report of card loss, theft or compromise. Transaction passed fraud analysis. My debit card was never loss or stolen. My checking account/debit card information is linked to my XXXX XXXX. According to Regions Bank I sent the money to myself. Yet, I didnt receive {$1000.00} credit to my account. They also reported that the money was sent to my XXXX XXXX card. I dont have a XXXX XXXX card. I have requested copies of the documents used to make the determination and have yet to receive it. 
I received a text message from XXXX XXXX informing me that my phone number had been delinked from my XXXX XXXX account. I did not authorize this. This was around the same time the unauthorized transactions were done. Also, I was using a Chase ATM around this time and I received a text message from Regions seeking to verify if I was actually the person requesting cash at the ATM. I did request cash for the ATM. I would make no sense for me to send {$1000.00} through XXXX XXXX  to myself and withdraw cash from an ATM. I contacted XXXX XXXX and they were not able to verify the delinked account and I was instructed to create a new account. My cell phone or debit card was never out of my possession. I never requested my phone number to be delinked from my original XXXX XXXX account and I did not send {$1000.00} through 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 2018-06-21
Company: Frontline Asset Strategies, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Frontline Asset Strategies has contacted me multiple times, including XX/XX/XXXX and XX/XX/XXXX, regarding an alleged debt. I have requested three times in writing that Frontline provide the account number name and address of the creditor and verification that they repre4sent the alleged creditor and are authorized to communicate with me.

Frontline has refused to provide the requested information. In addition, the company 's website is fake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
QUESTION INTO BANK OF AMERICA and XXXX XXXX I sent my mail certified into Supreme Court OF US XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX how much time? 
2/ Why did my docket at Supreme Court OF US show up JUST ONE TIME?

3/ MY mail certified I sent into all Court, It is big yellow envelope mail, I did not sent small envelope Mail, all can not lost ONLY appear stolen and theft, fraud my case at Supreme Court OF US XXXX abused took my money at my bank account, and unite with all defendants and XXXX did not delivery my mail for me.. TO PAID BACK almost {$10.00} dollar in my account, IT is no fair for me and no right about match, because I sent into all court with over XXXX times certified MY CASE at all Court, It is injury and damage, It is not simple complaint, It relate my bill, fee and big my damage I can not handle I petition to dispute direct into CONGRESS OF US compensation for me, include dispute direct into department INSURANCE OF CALIFORNIA REASON XXXX I came in XXXX, I pay INSURANCE and TAX from my account and my bank I pay INSURANCE by my tear eye, my blood.. I should hard work too much state BUT now I was injury and damage, I am not settlement opposite to abused POWER XXXX XXXX, XXXX  me direct at XXXX XXXX, XXXX my face as CRIME, as terror and as people XXXX XXXX insult my face and my XXXX, destroy all things I was build up for my son Yes.. Now I am XXXX XXXX, BUt before I was hard work from XXXX to XXXX, I save my life, my enjoy and my stomach for TAX, INSUrANCE and my son we were terror by POLICE and defendants unite together, to made for my son was fail MEDICINE DOCTOR

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 2018-06-25
Company: General Motors Financial Company, 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: Account information incorrect

Complaint:
I have a vehicle leased through XXXX XXXX XXXX. They had a major problem with their billing system this past winter. I received paper statements as well as online GM website information to monitor my account. Both sources showed my account was up to date. After they fixed their system, I received a new paper statement showing a new amount owed. I immediately payed that amount. I should not be punished for their failure to maintain their billing system. I did everything that could be reasonably expected given the faulty information that I was provided by GM Financial.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 certfied letter to the company XX/XX/2018 I Have Notified This Company By Certified Mail They Responded Back By USPS With A Letter Stating They We Unable To Locate Any Acct For 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 explanation
Consumer complaint received 2018-12-30
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
XXXX XXXX XXXX continues to call my cell number on Sundays multiple times & when answering the call, no one is one the other end. The number they continue to call from is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My name is XXXX XXXX of XXXX XXXX XXXX. Our office XXXX XXXX XXXX XXXX within the XXXX XXXX Area. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Bank of America eliminated its drive in sections of their banks a several years ago. Now that we are in a Covid-19 pandemic all deposits must be made through the lobby area of the banks in the XXXX  XXXX Area. Today we made a deposit at the XXXX Branch were there was a line that had formed all the way outside. When we entered the bank and finally met with a teller at the window we asked her why there was such a large line. We were told that the XXXX Branch had closed due to a Covid-19 Infections. We were also told that the other XXXX Branch had closed because the bank did not have enough employees to open up the branch. 
The closing of the drive in portion of Bank of America has jeopardized not only the bank employees but also their customers. 
For public safety we are demanding that Bank of America re-open all of the drive in sections of their banks. 
Bank of America is being negligent in protecting their employees and their customers.

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 2018-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Informed fraudulent account I was the victim of identity thief, a long with each credit report agency starting back in XXXX of 2017. I since then have sent out FTC reports, and still account are coming back verified.

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 2020-08-25
Company: Aqua Finance, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
2 billing periods in a row they have refused to provide statements. I have called complained opened a XXXX   case and emailed. They are telling me that they are not required to. It's very hard for me the consumer to pay expired statements for a 12 year loan it's critical for me to receive statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: M. G. Credit, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Was contacted by this company about another persons debt. I let them know they had the wrong number and asked who was calling. MG Credit was rude and hung up. Called back to complain. let MG Credit know the number they are calling is wrong and to remove it from they call list. MG Credit continued to ignore my request and gather more information about me and the phone. This happened on XX/XX/18 around XXXX eastern time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
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: Account status incorrect

Complaint:
I was shocked when I reviewed my credit report and found late payments on the dates below : XX/XX/XXXX XX/XX/XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, This has to do with Wells Fargo taking over my mortgage from XXXX effective XX/XX/2017, advising me of the transfer of my account. They are charging me an extra charge of {$XXXX} extra for taxes. Where they are charging an extra amount of {$XXXX} I have no idea. I sent them a copy of my property appraisal information, where it states on that document that I'm exempt from any taxes since I'm a XXXXXXXX XXXX XXXX Veteran and except from homestead taxes and I'm over XXXX years of age, But they continue to charge me the {$XXXX} for the last three months..As I've tried to contact them my email and still now answer from them. paying and {$XXXX} My loan number XXXX their phone number is XXXX and their website is wellsfargo.comXXXX Their email address is https : //welsfargo.customercarenet.comXXXX.   My loan number XXXX. Phone number 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 non-monetary relief
Consumer complaint received 2018-03-27
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On or about XX/XX/2017 I wrote certified letters petitioning Equifax, XXXX  and XXXX about erroneous items on my credit report, I asked for validation of these accounts and my authorizing of them to the creditor according to Section 609 of the Fair Credit Reporting Act, despite my legal rights of the aforementioned private agencies to report show validation of their reporting, I have received no such proof. This lack of effort/proof is leading to a negative fray on my financial representation and essentially leading to institutional slander of my credit worthiness. I also, sent certified letters of the same on XX/XX/XXXX to the aforementioned private entities and once again to no avail as to providing proof of reported accounts. My next step is legal action and I am petitioning this body of law enforcement to arbitrate and save both parties the negatives efforts such a case would bring about.

Company response to consumer: Closed with non-monetary relief