BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I submitted an application with Bank of America on Thursday, XX/XX/XXXX and received an email within a minute that the application was approved. I was able to download the Bank of America app from the XXXX app store, access my account and submit a deposit. I was able to submit a mobile deposit approximately 75 minutes after the notice that the account was opened and received an email that the deposit would be received and the funds would be on hold until XXXX XXXX. The next day, XX/XX/XXXX, I was unable to login to the Bank of America app and called the number indicated. The call center employee told me that the account was closed and I would need to go to a Bank of America branch to open a new account and that my deposit would be sent back to me. I went to the XXXX XXXX branch on XX/XX/XXXX and was told that I could not present my ID due to BofA back office being closed on Saturday. A copy of my ID was taken and appointment scheduled for XX/XX/XXXX. Today, I received a call from the branch and was notified that I would need to come into the branch with my Social Security card prior to Saturday due to the back office being closed. At this point I will not be able to open the account as my card is at a different location and I have a job M-F. The branch told me to call a different department at BofA to remove the hold on my account so my funds could be sent to me. I called that department ( XXXX ) and was told that the account would not close until XX/XX/XXXX and that my funds would not be sent to me until that time. So BofA accepted my deposit on XX/XX/XXXX with an expected/disclosed funds availability of XX/XX/XXXX and I will not get my funds back until XX/XX/XXXX or XXXX at the earliest. This has been an exceptionally painful experience and I would never recommend anyone bank with BofA

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 2017-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Their was a computer glitch that was TransUnion 's problem - not mine - that caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith three times to ask them to delete the inquiries that they had illegally re-added. I was spoken to very rudely and they refused to take them off. These inquiries add a hardship and my rights were violated by 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 2018-01-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with fraud alerts or security freezes

Complaint:
I was told by a bank manager when i went to open a new bank account that my credit was flagged for fraud. So for some reason I ca n't even get a bank account. I do not know where this is coming from nor do I have knowledge of how it occurred and after requests still have not received a copy of my credit report with it on there. ive been working for over a year to repair what damage a younger me had done to it. So please what steps can be taken to remove any such marks off my 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 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Last month I disputed XXXX with Transunion and unfortunately nothing changed. The credit bureau failed me with this dispute. Due to Transunion not doing their due diligence I've had to fight this matter on my own. As of today with my attorney 's assistance I received some resolve regarding this matter. XXXX has stated that they will remove the erroneous derogatory information that they have reported to my consumer credit file. 

Please see the attached documents and remove ASAP!!!!

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 2019-10-05
Company: Experian Information Solutions Inc.
State: NV
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:
There are several accounts on my credit report that aren't mine.

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 2017-07-13
Company: Law Firm of Katz and Associates, PLLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I asked this company to send me some information about the bills that is owed and they did n't. They threatened to come to my place of work and told me I better take action because they were going to sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
The Equifax " security incident '' resulted in their offer to provide their TrustedID Premier security monitoring service for one year at no charge. 
When I attempted to take advantage of their offer to safeguard my information that THEY put at risk, they required even MORE confidential information as a requirement to enroll. Not only did they require my personal email address and social security number, but they also wanted my personal cell phone number. 

I called their support line ( XXXX ) seeking assistance in waiving the phone number requirement. I phrased it as a general question, but " XXXX '' ( sic ) wanted my email address and full SSN! " This call is being recorded, so it is safe. ", she said. Are you kidding me? Obviously, no information is safe with them. I am surely not going to give that kind of information over the phone to a call center employee! 

Equifax is making things worse by requiring even more personal information. Is there any thing that you are doing to make it easier for victims of the incident to enroll? 

Just curious : Is there any way to force Equifax to purge their files of all of my personal information?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am being over-charged for medical services that I did not receive. I tried explaining this to the collection agency and they refuse to take my claim under consideration. They insisted on me paying the debt regardless of the fact that I was billed, along with my health insurance company, for services I never received. I did receive medical care XX/XX/XXXX thru XX/XX/XXXX, which during this time I did have health coverage through XXXX of XXXX TN. My only outstanding balance at this time was a little under a {$200.00}. I was then transferred to another physician per their request XX/XX/XXXX and in XX/XX/XXXXI received a bill from the collecting agency stating that I owed {$1000.00} far more than the {$200.00} that I knew was outstanding. I was receiving XXXX XXXX and I stopped being cared for by this physician in my 24th week. This doctor is trying to charge me for the remaining 15 weeks which no care was provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
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: Information belongs to someone else

Complaint:
ftc or FCRA violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fcra violations names are not mine

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 2017-07-13
Company: Experian Information Solutions Inc.
State: NY
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:
I had a dispute with Experian about an account that 's reporting only with them and not with the other bureaus. I advised them that they causing me sever damages by not correcting it and that I will file a complaint with the CFPB they than assigned a representative from their consumer affairs department and since then I am not getting proper help over the phone like anybody else, the agent assigned is almost always not available, afte r 5  he is officially not available. When someone else from the same department answered, they put me on extensive long holds and suddenly transfer me into that same representative assigned to me while he is not available.

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 2017-07-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Experian advertises that credit check total is accurate. However, it does not have accurate information as by credit check total I do n't have any account from XXXX XXXX and by experian it is. fraud fraud fraud!

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 2018-01-02
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:
I 've asked that information in my credit file be verified and validated under the FCRA and still the credit bearu has failed to do so and still reporting errors as of date. I havent received any documents supporting they have verified any information method used who verified nor how they verified the information being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
A lawsuit was filed against me by Pressler & Pressler Law office. I was never notified stating that a lawsuit would be taken if debt isnt settled. I found out via an already filed suit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I 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 2019-10-16
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/19 This account appears on my credit report, i contacted ACE Cash express to see who had the debt, they stated XXXX XXXX XXXX had it once contacting them they advised XXXX XXXX had it upon further research they have been shut down for illegal practice. So i contacted XXXX XXXX the company listed on my credit report, he was very rude and threatening, I asked my balance he stated XXXX upon speaking to ACE Cash Express they stated that I owe {$400.00} and that the collection agency is NOT ALLOWED to tack on anything extra. I expressed this to XXXX XXXX XXXX and he stated well oh yea we will take {$400.00} and I will take it off your credit within 48hrs. They are sending very threatening emails as well, when I asked for the debt to be validated they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I reviewed my Equifax credit report and I totally shocked that Equifax reinserted fraudulent accounts on my credit report from 2-4 years ago. Equifax has violated my rights and I have filed a complaint with Attorney General office, XXXX XXXX   XXXX and Consumer Financial Protection Bureau. I am requesting for Equifax to delete and block these fraudulent accounts immediately : 1. XXXX XXXX XXXX   | XXXXXXXXXXXXXXXXX Balance : {$5200.00} 2. XXXX XXXX XXXX | XXXXXXXXXXXXXXXXX Balance : {$1100.00} 3. XXXX XXXX XXXX XXXX Balance : {$1600.00} 4. XXXX XXXX XXXX XXXX Balance : {$650.00} Equifax did not notify me within five business days before placing these old fraudulent accounts back on my credit report. Equifax has violated my rights and I will be consulting with a consumer attorney sue Equifax for its negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-02
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I had an end of lease inspection and was told by the inspector there would be an {$85.00}. cost for damage. I had time to get any repairs done if the cost would have been more than that. I knew that there was damage to the front bumper that was close to the ground, but was told that was expected since it had no protection like many cars have and is easy to bump into parking lot cement curbs. I could have had the repair done for an estimated {$75.00} if I had known I was going to be charged an excessive amount after turning in the leased car. My mileage was way below the allowance and the car was in excellent condition. 
A few weeks later I received a bill for {$330.00} which was excessive. I called the customer service number and was told they would review my complaint and get back to me which they never did. I was told these repairs I was charged were probably not done, as the car would be sold at auction as is. This is a dishonest practice that I feel should be stopped. I do n't want to pay these unreasonable charges, that were deceptive and unreasonable. Please help me with this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was advised to make an complaint with CFPB complaint.

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 2017-12-30
Company: Santander Consumer USA 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: Account information incorrect

Complaint:
THIS ACCOUNT HAS NEVER BEEN LATE AND WAS CLOSED DUE TO TRANSER. MY CREDIT REPORT STATUS IS IN NEGATIVE. THIS IS INCORRECT INFORMATION AND AFFECTING MY REPORT. STATUS IS CLOSED BUT SHOULD NOT BE IN NEGATIVE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have paid our mortgage payments on XX/XX/2019and on XX/XX/2019 and have not had them applied. Our accounts shows that we currently have a balance to pay for those two months, but we have proof that we have paid them. I also wanted to make sure we were not being charged interest for the amount that has been paid. I contacted the lender several times and they say its a computer issue affecting many others and should be fixed shortly. But it has been over two months already and it has not been fixed.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I was XXXX from chapter XXXX Bankruptcy in XXXX Credit Acceptance Corporation garnished my pay in XXXX. I submitted paperwork of the bankruptcy and the garnishment stopped and a refund was issued. In XXXX Credit Acceptance corporation garnished my tax return. I submitted paperwork and my tax return was returned to me. XXXX/XXXX/XXXX Credit Acceptance Corporation garnished my pay again. I submitted my bankruptcy paperwork to the attorney for Credit Acceptance in person myself on Wednesday XXXX/XXXX/XXXX when I received paperwork from my employer. The manager was very rude and refused to help me. I have placed several calls to XXXX, XXXX XXXX XXXX XXXX to resolve this matter and I have received no help.

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 2018-01-02
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Had a medical bill on my credit report from XXXX medical center at the time that the medical incident occurred had XXXX has having it taken off my credit more than once he keeps coming back on my credit report under different collection agencies the debt has been paid in full under XXXX if it has not I did have XXXX would like them to stop placing it on my credit report and a different agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
There is a purchase of {$230.00} : here is a copy of transaction from Capital One card : *   XXXX     XXXX  Transaction Date Friday,   XX/XX/XXXX     * Posted Date Monday,   XX/XX/XXXX     Details Grocery Appears on your statement as :  XXXX   XXXX   XXXX  FL  XXXX   XXXX  I did not made that purchase whatever it was. I did not go to   XXXX   on that day. The charge is large and it is not mine.  <P/> I called Capital One and they did very superficial investigation and told me that it is hard to say what charge that it and did not remove that {$230.00} amount. That is a very large amount and I would remember if I bought anything but I did n't. I want that amount removed because the charge doe snot belong to me. The only thing Capital One did is they replaced the card but the charge is still there and it caused me a great deal of emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
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 AM A VICTIM OF IDENTITY THEFT. SOMEONE STOLE MY IDENTITY AND OPENED A LOT OF FRAUDULENT ACCOUNTS IN MY NAME. I AM TRYING TO KEEP MY CREDIT TOGTHER AND I HAVE TO DEAL WITH THIS. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS AND REMOVE THEM. SOMEONE HAS EVEN APPLIED FOR CREDIT IN MY NAME WITHOUT MY CONSENT. PLEASE HELP ME

Company response to consumer: Closed with explanation