BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-06
Company: Experian Information Solutions Inc.
State: MO
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:
After giving the credit agencies time to fix this problem they still failed in doing so. The following account has previously been disputed many times all with no prevail. The FCRA assures the consumer that disputed accounts, without physical verification shall be removed. This following account I have no knowledge of and if the credit agencies continue to update it then by the laws of the FCRA they should provide physical documentation before taking the senseless and easy way out by updating an frivolous account. The following account in dispute is XXXX XXXX / XXXX XXXX ( XX/XX/2012 )

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 2021-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Capital One is a Corporation that continues to pursue an allege debt that I've requested a cease and desist. They are reporting the debt to all three consumer reporting agencies. XXXX XXXX, and XXXX  without my authorization which is considered identity theft according to Federal law United State Code. Also, Capital One you have ask for my social security number for fraudulent purposes is a felony pursuant to 42 USC 408 ( a ) ( 8 ) ( 9 ). You closed my credit account without my permission and according to 15 USC 1602 ( p ) The term '' unauthorized use, '' as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. Also, according to 15 US Code 1611- Criminal liability for willful and knowing violation. Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( A ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more that {$5000.00} or imprisoned not more than one year, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: PNC Bank N.A.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2020 Apparently my bank has made a change that will not allow me to link my account for transfers to XXXX XXXX by XXXX XXXX. If I am authorizing it by logging into MY account requesting a transfer of MY money, there should be no reason this can not be honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
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: Account status incorrect

Complaint:
On XX/XX/XXXX I was routinely checking my credit score on XXXX. Much to my surprise my over 800 credit score had dropped by 45 points in a matter of 9 days due to a derogatory account on my credit report. Immediately I contacted XXXX  and Equifax to have the account removed. I have also contacted the company, XXXX, via phone without appropriate resolution. Now I have decided to send certified mail and requested receipt to the company demanding immediate action. Letter is as follows " I am contacting you in writing to address a collection placed on credit report in the last two weeks. I have not received a bill regarding this collection. Previously I had received bills for a visit for my daughter going to the ER and payments have been made. Please provide proof of the account and historical payment history to document account is 1. Delinquent 2. Length of Delinquency 3. Total balance owed. I would like to swiftly resolve this matter and requesting XXXX to remove the debt, derogatory condition, from my credit report immediately as it has negatively impacted my over 800 credit score. '' From my credit report the account was opened on XX/XX/XXXX and reported to credit agencies on XX/XX/XXXX. What are consumer rights to address collections? What about accounts making more than the minimum payment required?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-05
Company: Experian Information Solutions Inc.
State: OK
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:
There is inaccurate, misleading, incorrect, out of compliance information on my report I have no knowledge of.

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 2021-08-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Excuse me. My name is XXXX XXXX. My cell phone is XXXX. DOB is XX/XX/1984. XXXX Last 4-digital is XXXX. Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX. My email address is XXXX. My identity theft. Today I found Someone use my SSN information applay many creditcards. But my English is terrible. I am outside USA Now. I contacted customer service by phone, but it is unsuccessful. I tried to add fraud alert through the experian website, but it was unsuccessful, because the thieves stole my identity information, changed my experian membership account password, email, and username. And unlocked my credit report ( $ XXXX/month ). The thieves used my information to apply many creditcards, and my credit report added 3 hard pulls.

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 2018-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
On XX/XX/XXXX I was routinely checking my credit score on XXXX. Much to my surprise my over 800 credit score had dropped by 45 points in a matter of 9 days due to a derogatory account on my credit report. Immediately I contacted TransUnion and XXXX to have the account removed. I have also contacted the company, XXXX, via phone without appropriate resolution. Now I have decided to send certified mail and requested receipt to the company demanding immediate action. Letter is as follows " I am contacting you in writing to address a collection placed on credit report in the last two weeks. I have not received a bill regarding this collection. Previously I had received bills for a visit for my daughter going to the ER and payments have been made. Please provide proof of the account and historical payment history to document account is 1. Delinquent 2. Length of Delinquency 3. Total balance owed. I would like to swiftly resolve this matter and requesting XXXX to remove the debt, derogatory condition, from my credit report immediately as it has negatively impacted my over 800 credit score. '' From my credit report the account was opened on XX/XX/XXXX and reported to credit agencies on XX/XX/XXXX. What are consumer rights to address collections? What about accounts making more than the minimum payment required?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
money was taking from my savings account without any valid reason

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 2018-06-06
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:
Equifax refuses to thoroughly investigate and delete fraudulent accounts from my credit report. Equifax also takes longer than 30 days to investigate and delete fraud accounts from my credit report, under FCRA, if it takes a credit bureaus more than 30 days then by law, they suppose to delete and remove these fraudulent accounts. I have been filing disputes with Equifax since XX/XX/2017 on fraud accounts that I did not authorize or consent to. In return, this has caused me to not be considered for employment as well as display my credit worthiness. I will filing complaint as well as suing Equifax for allowing these fraud accounts to remain on my credit report. 

The following accounts need to be deleted and remove immediately because I did not authorize them : 1. XXXX Acct # : XXXX 2. XXXX XXXX XXXX Acct # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
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: Personal information incorrect

Complaint:
Equifax has my current address correct, but my previous address wrong. In order to check status of any dispute with them. you have to supply both current and previous address ( if you have moved in the last 2 years. ) I have tried to get this fixed many times. Once, they instructed me to fax many forms of personal ID to a fax location open to all employees. I refused, as they have a poor record with data security. I was able to find the bad address through their " XXXX '' program that they have to offer due to their data breaches, though that data has been erased now. The address was in North Dakota and when I search on the address, I found that the address is a PO box for a bank credit card. Surely, even Equifax would know that I have never lived there. I have given them the correct data, but they will not fix it. What can I do?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-31
Company: Continental Finance Company, LLC
State: IL
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 paid off my two credit cards with. Contiental finance card company. I paid way over the amount i owed to keep my accoubts open. They keep reporting to XXXX XXXX   XXXX the credit bureaus that i am over the kimit abd late. After i paid the cards i cut them up. The only fees i have is the monthy fees of XXXX that they are forcing me to pay to keep the account open. I keep them open because i just got pre approved for a home loan and by them reporting un accurate info to the better bureaus they are messing my score up. To solve this any money i paid to much send it back and. Contact the credit bureaus and report the right info

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 2018-07-31
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
The company said on the phone I would become platinum instantly. I expect to become platinum instantly if that is what I was told. They mis advertised their product/credit card. Yes these are 2 different companies but they are promising platinum instantly in order to phish you into getting their credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-22
Company: EQUIFAX, INC.
State: CO
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:
This account appeared on my credit report, there is no company name to send a dispute letter to, I have not received any letter from " XXXX '' or Equifax. 
This is a violation of FCRA and FDCPA. 

The other account, again Equifax is reporting is an unverifiable account. I have sent dispute letters XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and it is still reporting on my credit. This is COMPLETELY UNVERIFIABLE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Diversified Consultants are violating FCRA and FDCP statutes because they could not provide any documentation legally linking me to the account, and yet continue to try and extort monies from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-08
Company: Experian Information Solutions Inc.
State: CA
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:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. 

I HAVE SENT DISPUTE LETTERS ON XX/XX/XXXX20, AND XX/XX/XXXX20 BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED TWO 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 
ALSO, THERE ARE ACCOUNTS REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE.

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 2022-08-10
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX. 2022 my check # XXXX of {$4700.00} was withdrawn from our business account from XXXX XXXX XXXX  XXXX XXXX. On XXXX XXXX the same amount with the same check # XXXX of {$4700.00} was withdrawn again. I called right away the Truist Bank to find out why they took twice the same amount with the same check # XXXX. Instead to fix the problem the bank wants me to file a Fraud Claim which I denied. After I spoke to XXXX from the Fraud Department, I called the XXXX XXXX XXXX XXXX XXXX. They told me that the company have a new electronic system to deposit their checks. I told them that's ok, but I need my money the {$4700.00} right away. On XX/XX/XXXX. 2022 I called XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and they told me there check from XXXX XXXX XXXX cleared on XX/XX/XXXX. 2022 so I called again Truist Bank and spoke to XXXX. She said the {$4700.00} arrived and she will take care of it. Nothing happened so I called on XX/XX/XXXX. 2022 again Truist Bank and spoke first to XXXX. She had no information about my issue so I ask for the XXXX and XXXX ( from XXXX ) told me also she will take care of this problem. On the XXXX of this month my wife and I spoke to the branch leader XXXX XXXX XXXX XXXX XXXX XXXX XXXX and she told us also she will take care of it. A day later she called me and insist that I have to come into the Bank and sign a Fraud claim. I told her there is no fraud, but she still insisted that would be the only way to get my money, so I signed and, on the way out she said it can take a month until I see 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 2021-08-22
Company: Certegy Holdings, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter with my correct name and address regarding a " company payroll check # XXXX in the amount {$12000.00} '' that was returned unpaid. This is a check paid to a supermarket ( XXXX XXXX XXXX in XXXX, CA ) that I have not been to regarding use of cheques which I haven't done in years and finally it is for a spectacular total for groceries for a family of XXXX. And it's for a " company payroll check. '' I have no business, nor employees. 

I have listed Certegy as the origin of the " debt. '' It does appear that XXXX uses Certegy but I have not used XXXX at that location or very much in person in the past year and I haven't used a cheque in ages, much less a " company payroll check. '' The two companies involved are both disreputable and may be intertwined in some way. They are the so-called client and now owner of " my '' fictitious check - Certegy Payment Solutions , LLC and the " collectors '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL ( surprise! ) XXXX at XXXX with claims accounting address in XXXX, FL. They seem to be " legit '' companies engaged in scams.

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 2021-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My husband and I have been sending money to XXXX via my brother XXXX to finish a building project we have been working on since XXXX with target date of completion by XX/XX/XXXX. In XX/XX/XXXX my brother in was contacted by his bank to confirm he was not defrauding me. XXXX confirmed he was my brother and he was helping to handle the building project by organizing and paying the workers. In XX/XX/XXXX Bank of America reach out to me to update my profile to avoid account restrictions. My account was eventually restricted until I called and confirmed the personal information I provided when I opened the bank account. The Bank of America representative indicated that it was because of the number of international wires. My full account activities were then restored and we continued sending wire transfers to XXXX via my checking account. 
Then I received a letter dated XX/XX/XXXX from Bank of America stating my personal checking account and the money market account I share with my husband will be restricted from use in 21 days and closed in 30 days with no reason. I strongly believe this is a result of the legal international wires because there was no reason to close the Savings account which had approx. {$5100.00} with hardly any activity. 
I put this out to dual nationals in the XXXX community and some have stated this has happened to them. 
I strongly believe Bank of America is engaging in discriminatory banking practices by closing the bank accounts of hard working dual nationals based on national origin and should reverse this course. They need to be more educated about this community to avoid this type of discrimination. How will be able send money overseas for projects without relying on banks?

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 2021-01-20
Company: AMERISAVE MORTGAGE CORPORATION
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage with Amerisave Mortgage Corporation in XXXX GA in XX/XX/2020. Before my loan application could be processed, they said they needed to collect a processing fee. I asked what it was for and if it would be credited at closing. I was promised it would at received a verbal pre-approval so I agreed and paid the fee. After submitting all required documentation, and repeated emails and calls, which were never returned, I finally received a document via automated email for pre-approval. WhenI found a home and submitted a contract, no one from Amerisave could be contacted to proceed with the closing process. I made several calls and sent emails and did not receive answers to my questions about closing costs. I decided on XX/XX/XXXX to file a complaint. I received a call the day after submitting a complaint to XXXX and was promised a refund. I have yet to receive a refund and when I called today, no one answers the phone. I feel like this was all a scam.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief