BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-24
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: Old information reappears or never goes away

Complaint:
I have reached out to CFPB previously to resolve this issue regarding a credit card that was obtained in XXXX reflects me as a co-debtor despite the fact that I was not even born until XXXX. The company reached out to me apologizing that the error was on their part but the debt remains on MY credit report. This credit card is nearly maxed out and it is directly affecting me from being able to utilize and or establish credit in my name. How can I have this error removed from transunion and XXXX? It appears to be removed from XXXX but still present on the other two despite the previous report being in excess of 30 days. Please help! This credit card has a limit of {$12000.00} and it pretty much stays at that at all times drastically affecting me overall use of available credit!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: ARVEST BANK GROUP, INC.
State: OK
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/2019 Arvest Bank in XXXX Oklahoma attached a bad Check to my checking account and withdrew XXXX from my account. It was a human error that they didnt catch I did on XX/XX/XXXX when I went to withdraw from my account and saw I only had XXXX in my checking account. It took hours of face to face with the XXXX Oklahoma branch to find out what had happened and I was assured that my hard earned money would be put back into my account and someone would be calling or emailing ASAP. I asked for a time line when this would be done and was told that it was not her department and couldnt tell me how long it would take and informed me just dont use this account until it is resolved. I asked her how I could live without my money and the branch manager advice was to just keep checking on the account to see when the money would be put back into my account. As an Oklahoma XXXX  I live from paycheck to paycheck and it was unacceptable that they knew what had happened but didnt put my money back into my account. On XXXX  I called the XXXX  Number to Arvest Bank and after over a hour on the phone again I was told the money would be back into my account by XXXX  XX/XX/2019. I told them it was unacceptable to keep my money almost an entire week due to their error and I wanted my money put back into my account. They bounced the situation back to XXXX branch manager to deal who called my husband and informed us that it would be taken care no later than the close of their work day XX/XX/2019 As of this morning I still have XXXX in my account. 
My complaint is when Arvest Bank can clearly see what the problem is, it should not take a week to return money to my account. That is basically stealing so they can balance their accounts. This situation has caused an extreme stressful situation that is completely not professional. I want their policy of taking this long to solve this situation changed to a 24 hour turnaround. I want them to follow through with personal calls and or email customers when they state they will. No one found this error, I did, and was told I would be contacted. No one contacted me. I have a right to be contacted and treated with better communication than this business has in their policy They took my money by human error but they kept it by a system that is not acceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My BOFA closed my credit card account for no reason and when I asked where my letter of explanation they said it will be there soon and I never got it. I asked multiple times why they had closed my account? They couldnt give me a definitive answer. They tired to tell me my credit must have a taken a dip or my income to debit is to high which was all lies because my credit is in excellent shape and never even have had a dispute on my credit report. I paid on time and well over the minimum payment. I suspect some bank fraud going on here I have looked into multiple social media websites and multiple people are having the same issue. 
The account had been paid off in full and is now permanently closed and for me to reopen my credit card. BOFA wants to run my credit for an account I already had hmm?

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 2020-05-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I took a look at my credit report and I saw accounts being report inaccurate and is hurting my credit score

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 2018-01-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This constitutes an Official Notice in accordance with the Fair Debt Collection Practices Act and the Truth In Lending Act, that I hereby Dispute the debt in the above referenced account. 

It has come to my attention that there may have been some accounting irregularities in this account, which have adversely affected me. In reviewing the account it has come to my attention that fraud and/or other violations of public policy may have occurred in the operation of this account, therefore, I will be conducting discovery to determine the true facts in this matter. This constitutes the exhaustion of my administrative remedy, in accordance with the Administrative Procedures Act, as concerns the above referenced matter. 

This discovery process has been presented under Notarial Seal for the purpose of certifying the admissions, confessions and stipulations of the Parties, to create a public record thereof, via the issue and filing of an Administrative Declaratory Judgment, by Notarial Protest. Said Administrative Declaratory Judgment is issued under statutory authority and under the authority of the Secretary of State, acting as an agent of the Department of State, and carries the power and authority as if issued by the highest court in the land. Said Judgment constitutes res judicata, star decisis, collateral estoppel and judgment by estoppel. 

Please take note that this discovery process has been served under Notarial Seal and valid subpoena establishing your mandatory obligation to timely respond and/or rebut the following, point by point and line by line, verified true, correct and complete, signed, sworn to and notarized in affidavit form and to provide certified copies of the requested documentation. 

Please respond and/or rebut the following points in the attached affidavits and documents, point-by-point and line-by-line, in affidavit form, and provide documentary evidence to support your claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2019, Portfolio Recovery contacted me to pay off a very old credit card. 
I informed Portfolio Recovery that to the best of my knowledge the debt had been paid off years ago. 
They told me no, still owed the debt ; no offer of proof that they had. 
I told them that I was not going to pay the debt again. 
Now they call me 1, 2, or 3 times a day. 
I now refuse to answer their calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
After calling XXXX, Transunion, and XXXX on many different occasions to resolve my childsupport being reported as owed and it is not owed they are still violationing my rights per the FCRA by reporting the false information. They are also hurting my chances of obtaining any credit by falsely reporting incorrect information. I sent faxed Transunion and equifax the letter my case worker sent me stating that I do not owe anything and I also uploaded it to XXXX but once calling XXXX  they said they didnt receive it. Transunion and XXXX are saying they cant delete it with the letter which is proof that I do not owe anything in childsupport. I have paid on time for several months and I became current in XXXX of 2017. XXXX  told me to get in touch with my case worker again to see if she did her part. She insured me that she has done everything she needed to do and its the credit bureaus that havent done their part. By reporting this childsupport not only are they violating the FCRA rules and regulations but they are also hurting my character. I have tried calling and calling the credit bureaus to resolve this promblem on numerous of occasions and they have yet to comply with the FCRA rules. The credit bureaus can not continue to report inaccurate information on my credit file. The law is very clear as to the civil liability and the remedy available to me, FCRA 616 & 617.

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 2020-02-23
Company: Automatic Data Processing, Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I was recently employed with XXXX XXXX  ( http :  XXXX ). I selected that my pay be direct deposited to my own bank account. For the final pay check, they insisted that I be payed by pay card against my will. I expressed concern to my manager, but was told that Nevada state law demanded that our last pay be conveyed by pay card. This may not be correct. For starters, when pay cards are issued, the pay is not placed into the ownership of the person who earned it. Instead it is placed under the control of a bank that the employee has no business relationship with. Funds can only be withdrawn under their conditions and with their fees. I did not consent to this. Additionally, I have no idea of how much money is on my paycard unless I download an app with supposedly allows me to view my balance. Not possessing an internet capable phone, this is impossible. I need to know this information regardless. This card is called " Wisely '' by ADP. 
Wisely ( XXXX ) XXXX ADP Sales XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: Kriya Capital, 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 had an alleged Debt with XXXX XXXX for an XXXX that was showing up on my XXXX   credit report. I sent XXXX XXXX a debt validation letter by certified Mail on XX/XX/XXXX. I have attached copy of certified receipt. 

XXXX never responded and the debt was deleted off of my XXXX Credit Report ( I have attached the letter of deletion from XXXX ). I was thinkng I have resolved this problem. On XX/XX/XXXX I received a letter from Credence Collection about of that same XXXX debt I do not owe and that was deleted off of my XXXX  Credit Report. 

We followed the same procedure and sent Credence a validation letter onXX/XX/XXXX they received my dispute letter on XX/XX/XXXX ( I have attached paperwork and certified receipt ). I never received any validation of this debt from them, then On XX/XX/XXXXthis dept reported on my XXXX  Credit report. 

They are not following the law under the FDCPA voilating my right under the FDCDA the right to dispute this debt. Credence never responded with any validation of proof to this debt. They never responded with any documents to prove this debt was a verifiable debt.Credence placed this debt on my XXXX credit report on XX/XX/XXXX.

Credence stated if I do not notify their office within 30 days after receiving this notice that I dispute the validity of this debt, or any portion thereof this office this office will assume this debt is valid. I did by law what is my right sent them a validation letter. 

Credence is in blatant voilation of the FDCDA. The fact that this debt was disputed and removed from my XXXX credit report. Sold to Credence and they still have not validated this debt with me and is using my credit report to pay a debt I do not owe. Please Please Please help me in this Matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
In XXXX of XXXX we were notified by our landlord they did not receive our rent check for the month of XX/XX/XXXX. The check total of {$1900.00} was stolen and deposited into a XXXX XXXX XXXX account. My bank is Chase. we proceeded to file a claim with Chase as well with the police and currently waiting for the subpoena to go through. Chase informed us that it can take up to 90 days to hear back. We heard back a week ago and XXXX XXXX declined the claim because it wasn't made within 6 months of the incident. Chase is also refusing to refund us the amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-23
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
www.ccsnotice.com On XX/XX/20 -1st lady with Credit Collection Services said debt was with XXXX and it was XXXX. Then said can access bill on website and theres no option for it on website. I spoke with Manager - XXXX XXXX. The Manager lied and said I had to sign up for email to get the bill then said it takes two weeks to get bill. Told him to save the recorded calls as I was going to file a complaint against them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Please substantiate your claims regarding information XXXX XXXX XXXX # XXXX. transmitted to credit CRAs for me, XXXX XXXX XXXX, regarding a so-called account. Since reporting errors may be vis-avis that reported data, I formally request that you mail this validated information within 15 days. Additionally include documentation which shows thatXXXX XXXXXXXX XXXX complied with every aspect of the Fair Debt Collections Practices Act or other applicable laws. This request is for more than just a summary without in-depth consideration. In lieu of that, I have asked for an in-depth verification. If you can not forward these materials within 30 days, details disseminated from XXXX XXXX XXXX to the credit bureaus should be deemed discrepant and may indicate FIRST XXXX XXXX XXXX desire to ignore consumer protection law. Given that occasion, remove such bureau items upon your next transmittal.

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 2020-02-24
Company: General Motors Financial Company, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My credit score and credit is being denied and my score is poor due to me being held responsible for someone else 's unpaid debt. There's utility, cellular service, vehicle loan, and mortgage loan for a home I never owned or even lived in. It has to due with my partner who passed away in 2014 and he was still legally married at that time and his " wife " due to her not liking me and not wanting any of his debt has somehow gotten away with putting his debt on me. How is this legal? They were still legally married and she lives in said home and collects his social security benefits but yet my credit is the one being impacted and I'm having all of this come up on my credit report. She is the one who is legally married and she should have all of it on her credit and she's the one responsible for it not me. Please help me get all of this off my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been a chase costumer for quite some time with no issues. I recently ( XX/XX/2018 ) got a letter in the mail saying my account is being closed and that I should remove all my money from there. There is no reason in the letter as to why they are doing this. I called them and went to the bank and no one seems to want/able to help me out. They also refuse to give me and reason as to why they are closing my account. They also say that due to this they shut down all my credit cards which never had a late or missed payment ever. Again there is no one to talk to there about this issue either. Seeing as I've never caused Chase any problems with my credit card or bank account I don't see why they are doing this and its very frustrating that when I try to talk to them about it they refuse to give me any help or information at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
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, XXXX  and XXXX XXXX have all failed me. They must remove this damaging item off of my credit file. This account was already investigated via certified mail back in XXXX and was removed.They have allowed another company to alter information and fraudulently report an account under my credit file again. I received alerts from XX/XX/XXXX and XXXX that XXXX XXXX XXXX opened an account and reported to the 3 bureaus fraudulent information. They remarked my credit file stating that an account for 11-XXXX was set up as new account on XX/XX/XXXX. This issue was already disputed back in XXXX and XXXX through certified mail and was removed from my report because of fraud. This debt does not belong to me. This creditor XXXX XXXX XXXX has opened a new account and added {$1.00} to the previous account reported. The item that was originally removed in XXXX was under XXXX XXXX  for {$400.00}. XXXX XXXX XXXX is reporting {$400.00} to all three bureaus which is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: The Bureaus, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I can not give specific dates as I fell on hard times but I was repeatedly contacted by this company to the point of harassment. I've had to block upwards of 10 numbers to get relief, I was having so much anxiety whenever my phone would ring I debated changing my number all together.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: EQUIFAX, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There was a hard inquiry placed on my account. This inquiry was fraudulent in nature. However I was able to contact the vendor who ran my credit. The vendor also agreed that this was indeed a fraudulent attempt and agreed to remove the hard inquiry from my account, even going so far as to email me an official letter stating just that. The inquiry was only made with equifax. I used the equifax online dispute tool to file for removal. A few days later i received an email stating that my dispute was completed. However, upon attempting to check the results i found myself locked out of equifax.com/dispute. I then called and was told that my dispute was COMPLETE and the item on my credit report in question will indeed stay present for up to two years. I then was told to have this removed I would need a police report as if the vendors letter and request was not enough. How is this so? Where is the protection for the consumer? I then asked the equifax representitive for documentation of the policy that states that i need a police report to have inaccurate information removed. Silence. I also asked for the process in which determined that this mark on my credit report was accurate and valid. The Equifax rep stated that there will be no investigation and that there was no investigation. So what criteria was used to determine the validity of this inquiry? Who decided? And why wasnt i asked for any evidence to support my dispute? This is highly unlawful and a violation of my rights in accordance to the fair credit reporting act. In addition to the lack of examination of my dispute i was also locked out of my own file restraining me from submitting a statement on my credit file. Another violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: TN
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 XXXX  Account # XXXX, has violated my rights. 

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

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