BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I mobile deposited a check from a church for {$5700.00} citizens bank told me the check would be clear on XX/XX/XXXX when I called on XX/XX/XXXX to see if the funds were available they then told me another date XX/XX/XXXX I then called XX/XX/XXXX they did not have an exact date for me they told me to try back in a couple business days it is now XX/XX/2022 citizens still has not released a hold from my check deposit The money came out of the churches account on XX/XX/XXXX every time I call citizens Bank to see what the issue is with the check not being available they tell me they cant reach anybody at the church when I am in constant contact with the pastor who issued me the check Ive called the bank and gave them the churches number and the pastor cell phone number citizens still has not released my funds The pastor has tried to call citizens to tell them he issued me the check and the pastor can not get through to anybody at citizens It has been 30 days in the bank is still not gave me my money Please help me my cell phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Account ending in XXXX is reporting reporting twice on my report. This old account was closed and transferred to a new and good standing account. 
Please delete incorrect account that shows and it is reporting only on transunion.

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 2020-08-27
Company: WELLS FARGO & COMPANY
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 status incorrect

Complaint:
XXXX XXXX XXXX has purposefully and maliciously degraded me as I called to resolve the two account on my record. The representative, two of them at different times, belittled me and said that I purposely chose to defraud the bank, not knowing anything about my mental or fanatical conditions as the accounts closed. When calling to make good and pay off the debts, I was sternly told that I will still have the derogatory marks left on XXXX XXXX XXXX as a punishment and that is quote unquote, and I happen to know that that is not within standards of this great nation as a consumer who has paid off an outstanding debt. I have the right to get them removed from my XXXX XXXX XXXX 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 2020-10-15
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/2020, I gave a formal complaint of inaccurate information on my credit report including inquiries and accounts. 30 days later to the date, I have not received any response. Under federal law, you have 30 days to complete my investigation. 


Proof of these alleged items, specifically the contract, note, or other instrument bearing my signature has not been provided to me. Failing that, the items must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. I demand that the unauthorized inquiries and accounts be removed immediately.

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 2020-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
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 XXXX XXXX XXXX On XX/XX/2020. I Closed my Capital One credit card account after Captial One refused to process my credit card monthly payment of {$300.00} that was set up with my XXXX XXXX   checking account causing over {$100.00} in overdraft due to not properly processing my ACH payments to capital one. I requested that the capital one accept my final payment by money order or through XXXX to ensure that my payment is processed. And I had already closed down my capital one account due to their company 's lack of payment processing. On XX/XX/2020, I again contacted Capital One Customer service by phone explaining that I will make the payment if capital one send me a final statement that I could put a money order with and send what I owe to capital one and I would never have to deal with them and they will not have to deal with me never again. instead of helping me to find a solution to this problem Capital One instead is unwilling to help me to make the payment owed by other means other than ACH processing which I will not give them my bank information again. Since I have closed down my Captial one account, Capital one has been falsely reporting misleading information to all three major credit bureaus accusing me of not making or trying to make the final payment of {$300.00} payment weekly since I closed my capital one account on XXXX XX/XX/2020. Please help i just want to make payment and have my credit report corrected and all misleading remarks removed from my credit report that was falsely wrongfully added to all three of my credit report by Capital One. 

Thank you XXXX XXXX XXXX XXXX, Ky

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company put this on my credit without consulting me or trying to see if it was my debt. I called them and asked and they said it was from a XXXX account I had. But it was not my debt and I asked for them to show me. I even called XXXX and they said the account never showed under my name to so they were unsure what was going on. So they removed it from credit and then put it right back on there!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Bread Financial Holdings, Inc.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XXXX XXXX has the most apathetic customer service I have come across. They have 1+ hour hold times, and then when you finally get through to someone, they are rude and boorish and lacking any customer service skills or knowledge about their own bank systems. Their secure messaging team never responds even after sending multiple messages for the same request. These super sub-standard online banks are forming like mushrooms and harassing unsuspecting customers. 

I came to know that they had put a restriction on my account when an outbound transfer from an external bank was declined. They did not bother to notify me in any way. So, I called Bread and they told me to send certain documents which I did. I messaged them multiple times after it. No one responded. Today, when I call back 4 days after sending the document, an extremely rude female called Virginia was asking me whether I had sent the documents. I was surprised that no one had even looked at them. When I started questioning her, she hung up. 

This bank / service or what ever this is, should be closed down.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XX/XX/2018 dispute letter along with a copy of my social security card and drivers license sent to equifax by certified mail. I received return receipt. I call equifax XX/XX/2018 around XXXX to verify everything was going smoothly. I spoke to XXXX. She said letters were received and dispute was in process. XX/XX/2018 I call Equifax to find out why my report hadn't updated since XX/XX/2018. I give them all of my info to verify me, and they tell me they could not find a file on me. I called back and spoke to 2 more agents in the disputes department. I asked to speak to a supervisor. She got my info placed me on hold. She told me she was still searching. Placed me on hold. She came back and held the phone ( the music that plays while on hold stopped and I could hear breathing and noise on background ) I say hello and she hangs up. I call back and spoke to XXXX. He stated that no file could be found for me. ( He was very irate ) i get off the call with him. I call back a few hours later. Spoke to an agent that had me to verify my info. She then gets me confused with my sister. Well, i verify my info. I reminded them they had a copy of my social and drivers license so that they know who I am. She acknowledged she could see that. She transferred me to XXXX in the mixed department and gave me file name XXXX. She said also that she could not find me. She told me she could see that I mailed my dispute letter plus copies of my social and drivers license but still could not pull up a file on me. I gave her the confirmation number I have from a previous dispute I had done online through their website. She searched and still found nothing. I asked her if me being effected by the breach last summer has anything to do with this and if I should be worried. She told me I would get a phone call from her XXXX in 24 hours. Its XX/XX/2018 and still haven't heard back. This is affecting me in getting approved for a car loan and credit cards that I have been trying to get for a year now. I have been working hard to fix errors on all three credit reports and now this. I called XXXX and XXXX and they have no problem pulling me up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-27
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$520000.00}, {$3900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX   XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- XXXX XXXX XXXX 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$520000.00} -This is not my account. 

-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$3900.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$520000.00}, {$3900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX   XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- XXXX ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- XXXX XXXX XXXX 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$520000.00} -This is not my account. 

-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$3900.00} -This is not my account.

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 2018-07-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
EXPERIAN HAS DELIBERATELY NOT UPDATED MY CREDIT SCORE AND MY CREDIT LIMIT ON MY XXXX ACCOUNT BECAUSE I HAVE FILED COMPLAINTS IN THE PAST WITH THE XXXX AND THE CONSUMER FINANCIAL PROTECTION BUREAU. LAST MONTH ON XXXX XXXX MY CREDIT UTILIZATION WAS 3 % WITH A CREDIT DEBT OF {$230.00}. AS OF XXXX XXXX MY UTILIZATION DROPPED TO 1 % WITH A CREDIT DEBT OF {$41.00}. AND I CONTACTED XXXX ABOUT EXPERIAN NOT UPDATING MY CREDIT LIMIT FROM {$400.00} TO {$700.00} SINCE XXXX. I ALSO SPOKE WITH SEVERAL PEOPLE AT EXPERIAN WHO BASICALLY TOLD ME A FLAT OUT LIE THAT XXXX HASN'T UPDATED MY ACCOUNT. IF YOU CHECK MY XXXX AND XXXX CREDIT REPORTS YOU WILL SEE XXXX UPDATES MY ACCOUNT EVERY MONTH ON THE XXXX, EXPERIAN TOOK IT UPON THEMSELVES TO UPDATE MY ACCOUNT BACK IN XXXX ON THE XXXX OF THE MONTH WITHOUT PERMISSION OR AUTHORIZATION FROM XXXX AND THEY ARE DELIBERATELY KEEPING MY CREDIT SCORE STAGNATED BECAUSE I CONTACTED THE CONSUMER FINANCIAL PROTECTION BUREAU ABOUT OTHER PROBLEMS I HAVE HAD WITH THEM CONCERNING MY CREDIT REPORT. THEY ARE BREAKING THE LAW. PLEASE I AM BEGGING THE CONSUMER FINANCIAL PROTECTION BUREAU TO INVESTIGATE THIS COMPANY THOROUGHLY.

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 2018-07-06
Company: Debt Relief Center
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received Important second notice about a fictitious {$16000.00} debt offering to reduce it to only {$8000.00}. Company is Debt Relief Center. Notice date XX/XX/18. Client Negotiations department XXXX XXXX. Its a threatening letter designed to intimidate and a scam to Separate me from my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
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: Information belongs to someone else

Complaint:
I have four bank credit card inquiries And none of the credit bureaus could help me. I never applied for this Cards and every number I call I just get the run around. How could I fixes this in order to have it removed, otherwise Ill be stuck with it for two 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 2020-09-02
Company: Experian Information Solutions 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2017-08-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I recently viewed my credit reports and the company Portfolio Recovery has been reporting and also trying to collect funds on a old account where XXXX XXXX is the original creditor. The first amount is for {$4400.00} and the second amount is for {$810.00} Portfolio Recovery Associates is not licensed to collect in Florida according to the Florida Office of Financial Regulation. So therefore any collection efforts should cease and any collections reported on any of my credit reports should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: TFS FINANCIAL CORPORATION
State: OH
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:
XXXX Consumer Opt Out ( XXXX XXXX XXXX, XXXX TX XXXX ) - to opt out of an unsolicited credit offer from Third Federal Savings ( XXXX XXXX XXXX, XXXX, OH XXXX, XXXX ), one is to call XXXX Opt Out at XXXX or write. 
First - Third Federal Savings regularly sends unsolicited request to take out a mortgage from them ; pre-approved. Credit report shows then did a credit check on XXXX, which was NOT requested or applied for. Totally inappropriate. 
Second - trying to opt via XXXX is difficult to talk with a live person. Calling their XXXX recorded message system, I am immediately asked to say/enter my social security number, enter my birth date, home phone number, name, address, etc. 
This is very inappropriate in this day of trying to secure personal information - leaving requested info like this, not knowing who or how it will be captured/received appears lacking in security. AND, there is no way to call to talk with a live person. I did not leave the requested info to Opt-Out. XXXX 's process is totally inappropriate, and to me, shows a lack of concern and business protection for key consumer financial data ; THIS SHOULD NOT BE ALLOWED, and I do not want XXXX  collecting, or reporting any of my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Williams & Fudge, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of this year XXXX I received a call from XXXX XXXX XXXX about a debt of {$2300.00} from XXXX University. I had graduated XXXX University in XXXX so I was confused to say the least and they told me I had an account balance of {$2300.00}. I explained to them that my employer paid XXXX University directly and there had never been an issue in the years I attended. I was then placed on hold and when the person returned, I was told they see the mistake and it has been taken care of and that if anything further were needed from me, they would contact me. I never heard back from them, so I believed it had been corrected. Then last week XX/XX/XXXX I received a credit alert that a collection was placed on my account from XXXX XXXX  XXXX for {$2300.00} I have disputed this debt, but it has caused a major impact on my credit score. Three years after I graduated this appears out of the blue, this is not my debt, and when I spoke with the representative from XXXX XXXX XXXX it was acknowledged and I was told it was being corrected.

Company response to consumer: Closed with explanation