BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-19
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I sent a XXXX XXXX XXXX to XXXX XXXX on XX/XX/2020 and the money was taken from account. And then I recieved a message from XXXX XXXX saying they would not send it to her for my protection and that it will be refunded in 1-2 business days. The money was never put back. I then filed a dispute with the bank they said 90 days. My 90 days was up on XX/XX/2020 still nothing so I called the bank asking what happen the representative place me on hold and called the investigator department. Then came back to the line and said my money would be put back in the account in 24hrs. So it's monday XX/XX/2020 and still no refund. So I call back this morning and was placed on hold again for about 40 minutes and he said they are working on it while I'm on the phone he then came to the phone and said they denied the claim for XXXX for a XXXX. I said that is not what I'm dispute I did that one it is for XXXX XXXX. He then tells me no it's not it is for XXXX I'm telling him XXXX XXXX has I'd numbers for each transaction you do with them and that is a nother number not the same as XXXX as I will send proof. He tells me nothing he can do. So I call back and got someone else he says I won't see the transaction because it was deleted from my bank account history and says XXXX XXXX deleted. So I started how can they delete bbva history for account he said they can. Again I'm still saying the money was not put back. So I tell him where does it say XXXX XXXX refunded me he says it will not show anymore. At this point I'm frustrated it's covid going on and I need my XXXX $ I'm not working. I have all receipts to proof this I have waited for 90 days and I need this to be resolved. I ask to speak to a supervisor and was told I can't speak to one they have other obligations to do besides speaking to me. How rude I need this to be taken care of thank you. And also my overdraft does not work on the account they say do not know why. It wouldn't even overdraft for XXXX $ I get deposits and been having it for a while. And also I attached the receipt foe XXXX you can see that it is 2 different I'd numbers for both transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I'm submitting this compliant due to the negative information that XXXX XXXX XXXX XXXX XXXX has reported in my banking report. I believe that my rights have been violated as this information is inaccurate and misleading. Please investigate and rectify this matter promptly. 

Description of Dispute : XXXX XXXX XXXX is reporting multiple negative accounts with my personal information such as, XXXX XXXX XXXX : Incident date : XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX reporting a negative balance of $ XXXX. 
XXXX XXXX : XXXX date XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX. Reporting a negative balance of $ XXXX. 

XXXX XXXX  : XXXX date XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX. Reporting a negative balance of $ XXXX Fee reversal : $ XXXX. 

XXXX XXXX : Open date XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX. Reporting an Overdrawn account. 

XXXX XXXX : Open Date XX/XX/XXXX, Closed Date : XX/XX/XXXX Banking Routing # XXXX, Account # XXXX. Account Status : Closed for Cause-Purged of ALLY BANK : Open Date XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX. Reporting a closed account. Reason for dispute account was never opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 recently requested to update the inaccurate account which another credit reporting agency found to be inaccurate and had already repaired. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update or correct the account from my file. 
XXXX  XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2018-04-10
Company: EQUIFAX, INC.
State: WA
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 is the only bureau reporting 11 " unknown '' collections on my credit report. The other credit bureaus don't have anything negative on them. I have no idea what these are and it is unfair that they can just report " unknown '' items totaling 11 that aren't even mine let alone not doing a proper investigation by law that they are required to do when I file a dispute. They didn't respond to the one I filed ignoring it completely also a violation of the law. Supposed no-name account numbers below : Unknown XXXX Unknown XXXX Unknown XXXX Unknown XXXX Unknown XXXX Unknown XXXX Unknown XXXX Unknown XXXX Unknown XXXX Unknown XXXX Unknown XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: SG and Associates
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:
I have wrote and disputed the same item by " SG & associates '' on my credit several times. I have requested the method of validation, written and verbal. I have written that the item is unverified and remains on my credit against XXXX XXXX. I requested the original creditor documentation on file and that the information be verified. They REFUSE to provide me a copy of ANY original documentation required under section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( a ) and ( 5 ) ( A ). In addition, when researching the company, SG & associates, they are not even a real debt collector. Their address provided XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX provides no suite number, to send formal written correspondence. I contacted them at ( XXXX ) XXXX. 
When I contacted them, a male representative, XXXX, threatened me and said that they are a law firm and have filed suit against me and that my wages would be garnished for {$3100.00} and my license suspended. I advised him that I never had an account with XXXX and that I would be filing a complaint against him and he hung up on me. XXXX  refuses to comply with the law and has only replied that the debt collector has only provided that " the company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' This response is insufficient and does not provide any information that I requested by written request on XX/XX/XXXX & XX/XX/XXXX. I am respectfully requesting either they adhere to my written requests or remove the items outright from my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Chime Financial Inc
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have a open chime bank account for years and back XX/XX/2021 as soon as the irs deposited my stimulus payment chime closed my account and I sent many email without resolve

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
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: Investigation took more than 30 days

Complaint:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2023-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit 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:
Capital One is advertising Complimentary XXXX XXXX Benefits for cardholders https : //www.capitalone.comXXXX XXXX  I signed up for this back in XXXX. To date Capital One has charged my credit card TWICE for the subscription and has not credited me back as stated. I have called and spoke with uninformed, untrained outsourced scriptreaders who had no idea what I was talking about. I email Capital One Executives and Exec. Customer Service TWICE now and they haven't bothered to reply. I contacted Social Media and they were useless.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
un-autorized INQUIRIES AND ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-11-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent Portfolio RECOVERY Associates multiple letters requesting debt validation XX/XX/18 they received on XX/XX/18 @ XXXX, again on XX/XX/18 which they received XX/XX/18 @ XXXX. They keep IGNORING my requests for validation & instead send me the same thing, copies of statements. I do NOT have any contract with Portfolio RECOVERY Associates or with the company they bought the debt from. They have NEVER had this removed from the credit bureaus during any time of the investigation which is a Violation. This still reflects Negatively on my credit reports for {$680.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: Carvana Group, LLC
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have 2 issues. Both would likely set off someone. But im being patient ... .but also really getting sick of this company. 1. I paid Carvana my taxes in XXXX on the car, then had to pay the taxes again to the state, when getting it titled. I was told a reimbursement was coming by Carvana back on XX/XX/XXXX. It took forever to get titled because I I expected theym to pay the taxes that I paid to them. I havent seen it and its been weeks since I initially spoke with a rep about this. Today a rep confirmed it has been sent. This is unacceptable... I've been overcharged basically by 1200 and they arent trying to fix it in a reasonable time. By the time the do finally mail a check ( which is not my prefered method ) I have to wait for it to get here, deposit it in some bank .... wait for it to clear and this is going to still take weeks. Meanwhile I have bills to pay. ) 2. I paid off the car in XXXX. Ive never received a release on the lien. I cant do anything with the car because they've had a lien on it for 4 months longer than the time I owed them money. No one seems to know what to do on their end. 

Carvana has tens of thousands of my money locked up basically over a check and a form and they aren't doing anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX I formally requested a refund for an overpayment on a credit account to Comenity Capital Bank, a subsidiary of Bread Financial FKA Alliance Data. The account balance had already been paid prior to their systems auto-payment withdraw. Comenity Bank processed the automatic payment as well and now shows the credit account with a balance of - {$220.00} and a credit limit of {$720.00} ( originally {$500.00}. ) I requested the overpayment of {$220.00} be refunded to the account used to make the payment and that they make this action within 7 days of receipt. 

On XXXX I received a reply through their electronic messaging system that they : " won't collect the amount in question or report you as delinquent to the credit reporting agencies. '' I attempted to contact them again on XXXX and XXXX again explaining that my account was not delinquent, it was in fact over-paid. 

On XXXX I finally received a reply from a representative that they did acknowledge the original dispute date of XXXX that they would notify me of their findings within 90 days by US mail, again stating " won't collect the amount in question or report you as delinquent to the credit reporting agencies. "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03
Company: EQUIFAX, 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:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: AMERIS BANCORP
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
For the past 16 months, Ameris Bank has engaged in a practice that enables merchants to draft my account without authorization even after I'd frozen my debit card. Ameris also delayed posting a deposit until after drafts or held drafts until my balance was deficient resulting in overdraft charges, which they will not refund. I'm told to contact the merchant but in about 8 or 10 merchants have not legitimate phone or contact information. And even after requesting a list of merchants that claimed preauthorization rights, I was denied that list as it's not indicated in my statement, then Ameris added additional OD charges for having an overdraft for less than a week. The bank had closed its branch during the worst if this last year and I was not allowed the chance to sort it out. Now, I have one if the disputed drafts pursuing me in collections after I had to close my account to stop charges, and Ameris says it has no record of the events leading to the unauthorized drafts. Ameris has exploited me knowing I have one main deposit ( SSA ) a month, and I have pleaded for them to stop merchants from drafting my account without my expressed intent. They've sent me threatening letters as to the status of my account that stems directly from erroneous, excessive OD charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2018-11-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
i went to rent a house in XXXX XXXX fl in XXXX from XXXX XXXX for {$900.00} phone # XXXX mth i signed a lease. he gave me a chase bank XXXX # XXXX the chase bank act belongs to XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX the amount {$1800.00} first mth and depost. to find out he does not own the house and will not return mny and chase will not do nothing for me or cops. 
if u need anymore info please call me at XXXX chase bank wont do nothing about this Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Trans union allowed XXXX XXXX XXXX to pull my credit report a number of times with out permission purpose or a legitimate need to obtain a copy of my credit report. XXXX XXXX XXXX closed and stop all further collections on an account that they had last year due to the debt being Exempt from debt collection for being on Social Security XXXX for life. since they closed the account and stop all collections on this account they have no permission purpose under The Fair Credit Reporting Act ( FCRA ) to pull my credit report for account reviews when they have no account that is open to collections from me If you stop all further collection and closed the account you have no right to review my credit report on a closed account unless you are still trying to collect on exempt 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 2023-05-25
Company: Experian Information Solutions Inc.
State: MD
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2023-01-03
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have an account with Navy Federal and I did not give them permission to report my account to the XXXX Credit Bureaus... There is no sign documentation stating otherwise...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation