BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-17
Company: WAKEFIELD & ASSOCIATES, INC.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Called this company several times I dont have any debt in Arizona when I currently live in XXXX its say a debt owed XX/XX/XXXX but it was published in XXXX almost 4 years later to ask for a debt? I have no idea who this company is and why they this put on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: Chime Financial Inc
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My Chime bank account was hacked and {$11000.00} was removed. 

Chime bank have not been cooperative in answering my questions as to how and when I was going to be made whole again with the money that was removed from my account. 

On XX/XX/2021 at approx. XXXX XXXX  I received a text msg from Chime with a security code which I had not requested. 

A few minutes later I received a 2nd security code. At this time I contacted my husband to see if he was trying to access the account and he said no. I then immediately phoned Chime support. 

While on the phone with support I received another text message stating that my email address on the account had been changed. Still on the phone with Chime I advised them of the text and advised her what my balance should be, she replied that there was nothing in the account. 

There were apparently 3 different transfers made at that time on XX/XX/2021 by someone without my authorization. At this time they told me to send copies of my ID to chime support which I did. 

I have been in contact with them daily attempting to get a status and an explanation of what was happening and how and when they were going to fix this situation and replace my funds that were stolen. 

At one point I received an email showing the 3 transfer transactions and also indicating 2 transfer returns totaling {$9100.00}. The 3rd transfer for {$2000.00} had still not been recovered at that time. 

During this time my account was locked from my first phone call when the email address had been changed from mine to someone else. Therefore I have had no access to the account to remove any of my funds that may have been returned. They would not answer questions but kept transferring me from one person to another and finally after days of phone calls they told me on Wednesday XX/XX/2021 that my account would be unlocked in 48 hours. By Wednesday night they had closed my account without explanation and I now have no way to contact them or to check on my balance. 

My concern is that I will not receive all of my funds that were in my account if I dont stay on top of this. There is no phone number I can call because I now have no active account due to their closing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My brother try to deposit his check in my account once through my banking mobile app and at the Atm. The check is in his name it was XXXX. Ive been a BOA customer over 20 years with weekly and by weekly payroll deposit. Ive built history and a relationship with BOA. For me to jeopardize my account is ludicrous. I dont think its right all four of my accounts be forced closed. I would like this matter looked in to. This is damaging to my life and very stressful XXXX XXXX  and XXXX  make it hard to open a bank account. I would like to re-open a new account with BOA.

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 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

XXXX. Under 15 USC 1666B this is a billing error always payed as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 


As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 

Sincerely yours, 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 non-monetary relief
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-01-24
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
As of XX/XX/XXXX a collection account XXXX from receivable management systems appeared on my ( XXXX XXXX ) credit report on behalf of XXXX XXXX. I called and advised that I had not received any mailings from the company regarding this debt ( showing what my health insurance did pay and the remaining amount ) and it should be removed from my credit until I have been given the opportunity to make payment and receive detailed billing show what the charges are, what the insurance company paid and remaining amount. The company indicated it was sent and that if I paid it they can submit a review to have it removed from my credit reporting, while at the same time indicating they dont do a pay and delete. If that is accurate why would I have to pay and then submit a claim to the collection agency to possibly remove, as the phone rep indicated there are no guarantees. Nor could he advise what the criteria would be to have the collection removed from the credit bureau. Since that time I have been alerted three times that the collection account was flagged on my reporting. This took place on XXXX, XXXX and XX/XX/XXXX. I dont believe it is within state or federal law to flag the credit report more than once. I have a paid monitoring service with both XXXX  and XXXX  and can provide information supporting this. If it is against the law to remove the debt. Then I should have been to allowed time to make payment BEFORE it was applied to the credit bureaus. I should have received proof of debt before I filed an initial claim. If its illegal to remove a debt why did the rep indicate they could but the collection agency has to review it but cant advise what the criteria to remove is? 
These tactics needs to be investigated. I have spoken with the company but to no avail. I feel as though the practices are not in accordance with state/federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been a loyal and long time customer of Capital One for years. The tools for my business were stolen and my financial situation turned upside overnight. It has taken me a long time to recover from that loss of income. 

Long story short. I entered into several payment arrangements over the last year to make sure I did not lose my credit card. Here I am thinking everything is getting back on track. They gave me the dates and amounts and I agreed. However when these amounts were given for example if I was only {$150.00} over my limit they would say {$400.00} was owing. I would always pay the arrangement until I was no longer in the red and back to under my credit limit. 

I JUST found out on XX/XX/2020 that all those payments I had been making the Capital One representatives were not calculating the statement generation date so even though I was making payments I was still falling behind because of the miscalculation. 

It was a Capital One representative that brought this to my attention. I only found out because I tried making a payment online and their system wouldnt let me. Do you want my payments or not? 

I am now below my credit limit so I should actually have available credit. Instead I found out they are saying I owe them {$460.00} by XX/XX/2020 ( the amounts I allegedly owe keep changing, one minute its {$330.00} then another its {$460.00} and then I still dont get my card back until there has been 3 months of on time payments. I made my payments and it was their representatives miscalculations and they refuse to admit their mistake and resolve the issue including releasing my card even though they admitted they have the power to do so right now. I even have screenshots showing no payment due. 

If any money was owing it would reflect on my unpaid balance and there is NO money owing!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to remove the listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX NV XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX NV XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXXXXXX XXXX : {$320.00} XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired XXXX XXXX XXXX, XXXXXXXX XXXX Inquired on 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 non-monetary relief
Consumer complaint received 2020-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX  ; XXXX and Transunion are reporting incorrectly a charge-off in the amount of {$21000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, the balance amount reporting has clearly been entered into my credit report incorrectly, and second, my son is in the military and his phone plan through XXXX has a special discount for military families. There is no outstanding balance due and consequently, nothing to charge-off. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2021-03-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: National Credit Systems,Inc.
State: OH
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A person in XXXX is using my identity to rent apartments in XXXX, and not paying the rent my name in collections affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: MoneySpot USA LLC DBA Sunshine Loans
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
This man keeps calling my employer and threatening to come up here and give me documents and is very rude and after being told to not contact my place of employment keeps calling and calling my line, customer service operator.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting 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 am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2023-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
Capital One approved me for a credit card and I paid for an entire 12 months 1 year never missing a single payment, nor was I late. Then I had a payment set up for that 13th month and my bank account at the time sent me a new debit card with a new card number. 

In the interim capital one try taking out their payment and since it wouldnt process because it was canceled due to me needing a new debit card, they immediately said I was being fraudulent didnt email didnt message didnt call didnt ask and just completely close my account, causing my credit to be bad After a year of being loyal and paying every XXXX on time they didnt notify me and then they expected me to pay all the fees on it every single month so every month there forward they charge the fee of me not paying on time {$35.00} and then every month there after I just dont feel like they should be able to abandon me in my loan or ask questions not care And just close it whenever they feel the need when I did nothing wrong Then, because what had happened I was continuing to inquire of funds, and there was no way I was paying it I shouldve been sent a bill from the day with how much I owe Old. They should not be able to close my account not let me use it, but then keep it open for them to charge fees for months. I disputed it a bunch of times and nothings happening so it looks like Im going to take him to court, but they cant close peoples accounts, but keep it open for their own purposes is greedy is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: EQUIFAX, INC.
State: WA
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:
Equifax ; XXXX  and XXXX  are reporting incorrectly a charge-off in the amount of {$21000.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) First, the balance amount reporting has clearly been entered into my credit report incorrectly, and second, my son is in the military and his phone plan through XXXX has a special discount for military families. There is no outstanding balance due and consequently, nothing to charge-off. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below. has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts 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 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation