BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-17
Company: SIMMONS FIRST NATIONAL CORPORATION
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
This is in regards to Simmons Bank highjacking my XXXX. I made this money trading XXXX XXXX XXXX it also came from an inheritance in regards to XXXX XXXX XXXX. I have complained to the Arkansas AG, The XXXX XXXX XXXXXXXX, XXXX and the XXXX XXXX XXXX in XXXX XXXX who forwarded it to some supervisory authority. I suppose it is okay to steal billions of dollars in this country if you are a bank and leave me with XXXX per month in SSI? I have revoked the XXXX, XXXX, XXXX XXXX  and sent notification via certified mail to all concerned. They will tell you they owe me nothing. Do a full text search at XXXX You will find the XXXX XXXX along others, that's my money. I need help from somebody in regards to this matter.

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 2021-09-22
Company: V and H Portfolio
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This debt should have been included in my bankruptcy back in XXXX. This Company is reporting wrong dates This is from XX/XX/XXXX and they are reporting for XX/XX/XXXX which is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
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:
My name is XXXX XXXX. The credit bureau is refusing to remove two bankruptcies from my credit report that are not my accounts. I have never submitted nor filed for bankruptcy in my life. I am XXXX years old and I've been dealing with credit for a very long time. A recurring issue I've had to fight with the credit bureau about is that they will report other persons' accounts on my credit that are not mine. This has happened to me before and is the exact same situation that is happening with these two bankruptcy accounts. The first one has a filing date of XX/XX/XXXX with reference #XXXX The second one has a filing date ofXX/XX/XXXX with reference #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 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is reporting on my Transunion profile that XXXX XXXX is removed. It is inaccurate because the account is still being reporting on Transunion and XXXX XXXX XXXX is reporting false information. 
Transunion and XXXX reporting XXXX XXXX is removed from the profile Transunion and XXXX that it's removed. This is not true In addition XXXX is reporting said account multiple times which I have tried to address

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 2017-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Bank of America has been notified on more than 1 occasion that the debt they claim I owe was from Identity theft. Their story has continually changed over the course of a year and yet they refused to do anything about this. Well I have been looking at US codes and I have found a code Bank of America should be prosecuted under, Title 18 Part 1 Chapter 42 EXTORTIONATE CREDIT TRANSACTIONS. Under this code, it states that forcing someone to pay a debt by threatening their physical well being or personal reputation is a violation of criminal law. The CFPB should already have copies of my evidence that numbers in the 300 separate documents range, that Bank of America is in violation of this criminal law by using extortion and ruining my credit to try and force me to pay a debt that is not mine, forcing me to pay higher interest rates on lines of credit I have been able to receive. I demand the CFPB force Bank of America to answer for this crime or I will contact my elected officials, what is the point of having a CFPB if they only advocate for companies. I also want to add that any information Bank of America has provided has had information purposefully left out and the bank has refused to release any audio recordings of my phone conversations with them.

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 2020-04-26
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Twice this morning I tried to log into my BMO Harris online checking account, and got this message. 
XXXX XXXX XXXX XXXX I was unable to access my funds.

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 2022-12-16
Company: JPMORGAN CHASE & CO.
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:
It's says I applied for Chase Bank card!! I never did & I have a hard inquiry on my credit report & I never applied for anything!! It also stating I have a new Car! I never owned a car & I don't have a car!!! This is fraud!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Quisiera una investigacin en todas mis tarjetas de crditos y de dbito y  aparte usaron mi tarjeta de edd  tengo varios problemas  con ellas 
please I need help XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have submitted disputes to you and I didnt get a response within 30 days and yall are required by law to do so. Please investigate my dispute, please. Thank You.

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 2017-11-16
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 information incorrect

Complaint:
My XXXX XXXX credit card was paid in full XX/XX/XXXX and account closed XX/XX/XXXX ( see attached ). However XXXX is reporting status the account 30 days past due and showing delinquent on XX/XX/XXXX. XXXX and Equifax show account paid and account closed and NOT delinquent ( see attached ). However Equifax is showing reporting on until XX/XX/XXXX when account was closed XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: MoneyLion Inc.
State: NJ
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:
Someone opened a money lion Inc loan in my name on my credit report I have been trying to dispute it but the credit reporting companies are telling me that it's my information I never even heard of the company don't have any debt or any loans out in my name and someone changed my phone number on all of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Hello, I today received a call at XXXX XXXX  on XX/XX/2021 regarding an over drafted balance that they worked with Wells Fargo collections services. However, they have called me multiple times and i answered and I asked for their name, managers name, and told them they were violating my rights by harassing me. I told here she will be expecting an invoice.

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 2021-09-22
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
My mortgage was transferred to another bank XXXX XXXX in XXXX and they're reporting a late payment on my home loan when it wasn't with them during that time frame. 

My mortgage is also showing to lean holders one for XXXX XXXX XXXX and one for XXXX XXXX when XXXX  XXXX XXXX transferred the loan to another bank and now has been reporting falsely on the loan saying open with them. However, they not showing one late payment from the time we were with them until they transferred it over to XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-26
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: Information belongs to someone else

Complaint:
This is the second time my identity has been compromised. I dont understand why this continues to happen to me. Please remove these fraudulent accounts from my report as soon as possible.XXXX  XXXX XXXX {$1000.00}

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 2022-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Hello, On XX/XX/XXXX of XXXX, I made a purchase at the Kohls 's retail store for {$100.00} using my XXXX XXXX credit card. After about 1 month I received a letter from Kohls 's charge with an invoice of the same amount. I immediately called explained the situation and disputed the charge. I was given a fax number to submit the documentation ( this is where all the problems started to occur. I tried to fax the information to the number I was given which was XXXX. I tried a minimum of XXXX times ( using both provided numbers ) to fax the documentation, and the number was always busy. I called and was given another fax number which was XXXX, and that number was also busy. I spoke with a rep and was given an email to submit the information too. On XX/XX/XXXX I submitted an email explaining the situation to Kohls and did not receive a response. I then called and was told the case is under investigation. At this point, I was called every week or 2 to check in on the status of the dispute and after about 1 month received a letter saying I did not submit any documentation. This is exactly what's been going on between me and kohls for the last several months. I even mailed in a letter to their XXXX XXXX XXXX on XXXX XXXX, XXXX XXXXXXXX, yet they still would tell me they did not receive anything. I spoke with a Kohls Rep and got approval to send another email of the documentation, which I sent on XX/XX/XXXX. Moving forward they stated the case was under investigation for about one month. I kept following up every other week and was told once they receive the documentation they will remove the charge from the account. 

The Kohls team was not willing to help me with my situation and was only worried about their credit balance being paid off. I spoke with a Kohls 's rep yesterday for XXXX minutes to try to get the case resolved and they were not interested in help, rather were pressuring me to pay the balance of {$340.00} dollars. Then the rep started to put words in my mouth which I never said. This has reached a point where I can no longer waste any further time to speak with any of them. I will leave all documentation I have for review. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Time and time again I told Wellsfargo that I do not wish to Opt into their overdraft protection plan, but yet and still I am being charged overdraft fees. As I call and tell them that I have never opt in they say I see that but still I have been charged over {$500.00} in overdraft fees. For XX/XX/XXXX I was charged {$980.00} and in XX/XX/XXXX thus far I was charged {$280.00} in overdraft fees, in which I opted out of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
regarding I.C Systems Inc. Called to dispute debt. They wouldnt verify debt with any evidence. Website wouldnt allow dispute of debt and there is no way to prove your are not a robot. Phone agents were hostile.

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 2021-09-07
Company: MIDFIRST BANK
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX is an extremely poorly run online bank. Their desktop website does not allow me to log in on any of 3 browsers I tried, and the mobile app is nonfunctional as well, and its Plaid integration fails to allow me to connect any external accounts I have. My money is stuck in my account, and I just found out over the phone with support staff that they disabled transfers out of the bank. They are trying to instruct me to enable them, but have limited knowledge of their app UI or how I can do that. Extremely frustrated that my money is stuck with XXXX. They were unable to locate records of any of my transfers out. They should be shut down until Midland can figure out how to create an app that works.

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 2022-02-17
Company: Kriya Capital, LLC
State: NJ
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:
On XX/XX/XXXX, I received an alert on my personal credit report, stating that a collection was placed on my report in the amount of {$430.00}. I immediately disputed the collection, stating that it wasn't mine and it was illegally placed on my report without prior notification, not allowing me to dispute the item. The first dispute letter was return as " not a deliverable address ''. The company removed the collection from my XXXX and XXXX credit report, but it was still on my XXXX report. I then wrote a follow-up letter on XX/XX/XXXX, disputing again, asking that the collection be removed. The second dispute letter that I wrote was returned again, stating " not a deliverable address ''. This collection is still reporting as of today on my XXXX credit report, which is affecting my personal credit score. There is no way to reach out to this company as the address listed is incorrect and there is no phone number listed. I would like this collection removed immediately from my personal credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17
Company: Experian Information Solutions Inc.
State: AL
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:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The account listed should be blocked, removed and suppressed for this is fraudulent. Fraudulent Account : XXXX XXXX XXXXXXXX XX/XX/2018 {$700.00}.

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 2019-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 contacted regarding MULTIPLE inquires that I am unaware of and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, you did not show my authorization as required by law authorization, written nor verbal I ask that you DELETE these non authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

Replying to my CONCERNS with a letter stating to contact the companies that are listed on inquiries is not legal. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete

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 2021-01-22
Company: R.M. Galicia, 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:
The medical bill that they are reporting on my credit isnt mine. Ive told them already its not been numerous times and they just threaten me with the debt. This account doesnt belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Finco Holding Company LLC
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I aquired an auto loan with approved credit, I had a very negative experience with the woman managing my loan, she tried having my car repossessed, she added late fees and penalties fraudulently throughout the length of the loan. When I told her I was coming to pay the balance in full she fraudulently repossessed my car and sold it. I paid the payoff in full and fought hard to get my car back. And after I purchased the car she continued to report that payments were not being made for years. I in fact found out she was still report delinquent payments long after I had sold the car to someone else. I pulled my credit maybe a year after I sold the car, approx. XXXX and she had been miss reporting that I hadnt made a payment in 5 years. I paid off the car loan with her company in XXXX Again, I had sold the car in XXXX, before I found out she was still reporting no payments being made. I Ibecame XXXX for XXXX years as a result of poor credit. I called the company in XXXX and they eventually removed the file but this has been affecting me and my credit for nearly 5 years. Which contributed to my current credit issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
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 information incorrect

Complaint:
My XXXX XXXX credit card was paid in full XX/XX/XXXX and account closed XX/XX/XXXX ( see attached ). However Transunion is reporting status the account 30 days past due and showing delinquent on XX/XX/XXXX. XXXX and XXXX show account paid and account closed and NOT delinquent ( see attached ). However XXXX is showing reporting on until XX/XX/XXXX when account was closed XX/XX/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