BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I communicated with Bank of America via certified mail on XXXXXXXXXXXX XXXX,2023 Bank of America did not responded on timely manner within 7 business days Attached find letter and documents sent to bank Referring to account, account number ending in XXXX Bank of America letter dated XXXXXXXX XXXX,2023 Bank of America copy of letter As per your letter dated XXXX XXXX,2023, referring to credit card number ending in XXXX Payments from XXXX XXXXXXXX XXXX account ending in XXXX .Find enclose letter I never had an account at XXXX XXXXXXXX XXXX ending in XXXX, find enclose. 


No payments, fraud payments about account XXXX, Im requesting a cancellation letter for account ending in XXXX No payments made never had account at XXXXXXXX XXXX XXXX thank you 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 explanation
Consumer complaint received 2018-01-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
multiple issues- cant close, company forced close w XXXX funds coming in, refuses to purge system, refused to update drivers licences correctly, refused me a credit line, etc. 

This compnay is nothing but a con artist and I dont want thier business. I ve told them 4x now to stop sending me XXXX. They dont care. I have asked for policy termination. Didnt happen. I asked for over 1200 be sent to me repeatedly via wire. Didnt happen. I am not and nevermore will be a customer. I reccommend no veteran do business with them. choose XXXX XXXX or XXXX XXXX etc. I was just sent an atm card. AS IF.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Pursuant to 15 USC 1692a ( XXXX ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. Wouldnt I be considered allegedly obligated to pay the debt listed below? Technically debt is a twofold word, it is any obligation or an alleged obligation and you can't choose both. TransUnion LLC Consumer Dispute Center is basically making it an obligation for me to pay on adebt without my direct consent. I XXXX XXXX the consumer never gave TransUnion LLC Consumer Dispute Center any written consent to report anything on my consumer report. No consent is Identity Theft.

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 2022-01-23
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
In XX/XX/XXXX, I contacted XXXX XXXX XXXX in XXXX, Georgia, to make an appointment for a recall transmission service of a XXXX XXXX XXXX. Recall transmission repairs have been done at this same dealership in the past. I was unable to drive the car and was given an appointment to drop the car off on XX/XX/XXXX, which I did. I immediately requested a loaner vehicle and was told one wasnt available. After, several weeks I was approved to receive a rental through XXXX but can not use that rental care company due to owing a balance. I had a similar issue in the past with XXXX, who immediately allowed me to rent a car through XXXX. 

I was eventually informed I could rent with another car rental company and receive reimbursement. However, I did not receive this information in writing, and it would incur thousands of dollars upfront with no clear standard on the rental process or when I will receive reimbursement. This is not feasible considering I am still paying the monthly note to Navy Federal Credit Union and the insurance while the car is inoperable. 


My most recent attempt to resolve this was on XX/XX/XXXX at the XXXX XXXX XXXX, where I was given the contact information to XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX. I made two calls to XXXXXXXX XXXX XXXX. During the first call, I have informed XXXX at XXXX XXXX XXXX was instructed on how to approve a car rental through XXXX based on the extenuating services the manager would assist. I was told no case number could be provided because all rentals are handled on the dealership level. Following this call, I immediately texted the manager, XXXX, about this encounter and called XXXX XXXX XXXX and asked to speak to XXXX. I was informed there were no employees with that name. 

I again called XXXX Customer Service and was informed there was no record of my previous call. The representative attempted to contact XXXX XXXX XXXX and stated they could not reach anyone. I also called the XXXX XXXX XXXX XXXX XXXX and was instructed to file an online complaint. 


I would also like to make it known I am a Registered Nurse and frontline worker and must travel from XXXX XXXX to XXXX to work, at least 40 miles one way. This hardship has created tension at my workplace because I can not take any time off due to the pandemic. There is also tension in my relationships as I beg for rides and provide them cash, increasing my debts. Since it has been almost three months with no anticipated end date due to the needed transmission module, the suitable option would be Navy Federal releasing me from this loan with no debt owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo stole money from me. They gave me a credit for some car repair services that were not performed on my vehicle. Then they took it back. It was not my fault they revived everything by from me they asked for by the time frame they told me. They messed up not me. Then they closed my account and filed with collections. Now I can not open another checking account and they are harassing me to pay them more money. 

They are bullies! Please someone help me with this, Im desperate.

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 2018-09-13
Company: Credit Protection Association, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Credit Protection Associates. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.

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 2017-07-29
Company: Paypal Holdings, Inc
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from XXXX. The debt was under a different name right mailing address with wrong zip code. I wrote them disputing the debt but they say it 's valid. I have no knowledge of the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-11
Company: EQUIFAX, INC.
State: MI
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 had a removed credit on my account for {$570.00} that says open balance and it was reinserted on my account ; but I no longer have any access to this account nor did I sign off I keep getting calls from different debt collectors!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ
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:
Toyota credit- 13 year old account still hanging with on, should be eliminated.
Numous letters and disputes XXXX has been paid off for many years I'am a two time XXXX XXXX with a XXXX XXXX and XXXX XXXX and the CEO does n't give a dam about individuals who are XXXX and some of these events occurred during this period of time. I have documented paperwork to provide stating my XXXX and still the CEO will not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They failed to id me with my state identification numbers, Dear Credit Acceptance, I am writing to request the return of my title and settlement funds in regards to the fraudulent transaction against XXXX XXXX XXXX XXXX. It has come to my attention that your company did not operate in accordance with the Truth in Lending Act 15 USC1681, and furthermore did not report my credit fairly. 

As you are aware, financing charges can only be paid with money in hand. I did not receive any money in hand and instead signed a contract which was not the full contract that I had seen on the Credit Acceptance website. Additionally, I did not receive my car as part of a proper consumer to credit transaction. Therefore, I am not liable for the debt that is required, are contract is null and void due to the contract being fraudulent. 

Given these circumstances, I am requesting the return of my title and settlement funds. I would like to settle this matter through our abbreviation clause. Please let me know how we can proceed with this, I extended them the credit they claim to have loaned me. 
I am a sovereign entity. 

According to Congress fraud is anytime a Person ( Corporation ) transfer, traffic, or transport your Government Authentication feature for value! 18 usc 1028d ( 1,3,9, 12 ).

Also i did not consent for any company to use my data using a SSA-89 it's fraud. Irs Publications 4681 states that all charge off are income.. How I still owe a debt that was written off as income. 
I also didnt put a down payment of XXXX that is false. Which makes the contract false. 
Thank you for your attention 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 2018-01-10
Company: Resurgent Capital Services L.P.
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:
XXXX XXXX refuse to remove these fraudulent trade lines from My credit report XXXX refuses to remove both XXXX account for {$410.00} and {$420.00} also XXXX refuses to remove these 2 new accounts XXXX XXXX and XXXX XXXX as well and also XXXX refuses to remove XXXX and XXXX card I have a police report they will not remove it and fcra by law states you must remove these fraudlant accounts within 4 days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2023 I sent off a letter to Transunion asking for my accounts to be looked at for accuracy and completeness of accounts. You can see the attachment to view the accounts I requested to be re-investigated. It is XX/XX/2023 and I have not heard anything from Transunion about the re-investigation that was only supposed to take 30 days to complete. These inaccurately reporting items are causing me a great amount of stress and XXXX  due to me being in the process of trying to buy a house. Transunion has failed to do a timely investigation on my account as well as notify me that any of my accounts are under investigation.

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 2022-01-23
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
So I had an old credit card debt that turned into collections when I wasn't the brightest when it came to credit or paying stuff off. I asked the bank what my options were because I was going through a tough time and somehow a {$300.00} limit turned into a {$680.00} collections bill with no explanation and years of interest added on. Shortly after in the coming months they then contacted an old work place in which 2 people other than me answered the phone. One of which was my brother and another employee who has no relationship to me now found out information about me and that I owed debt to a collections agency. I got into a big family XXXX  because of it and ever since I've been traumatized by this experience. I get a text from my baby cousin who was around XXXX at the time saying someone called him during school hours asking information or whereabouts on me because I owe someone money he was scared and hung up the phone. Now they said they served me papers but unfortunately for them I don't live with my parents and haven't for awhile. I'm trying to find a lawyer now because they issued a writ of garnishment for my employer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/23 i tried to log into my mobile banking and couldnt. I tried several times and finally got into it only to find that all my money was taken out by someone in florida. i then called my bank to immediately get this resolved and get my money back, a total of {$2300.00}. 
XX/XX/23 i tried to log into my mobile bank account again and had the same trouble loggin in. so i called my bank again to get help, i found out that my new card was being sent to the scammer in florida and not me, then i found out that my bank overdrafted my account to rush me the new card. AND then i found out that my fraud claim wasnt even put through to my bank so they were not even working on the scam to get my money back. 
at this point i hope that they have been able to do the things that we tried to do over the phone like freeze my account so the scam cant keep taking money and stop all access to my account.

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 2023-03-26
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/23, a unauthorized unlinking of my XXXX account that was sent to me via text message I have three different cash app accounts two were business accounts one was my personal daily use account since XX/XX/XXXX I have not been able to get access to both of my business accounts I have contacted cash app regarding this matter cash app has been reluctant to help more of a repetitive process in the end they denied me access to my account which I have proven that both of these accounts are mine someone has consistently used my Bitcoin you can clearly see it under my main cash app account limit it fluctuates constantly I have also informed the cash out of this but they say there's nothing we can do but who's liable or who has to file these taxes at the end of the year I didn't make all or withdrawal 90 % of these Bitcoin transactions someone has changed to my cash tag names emails I'm locked out of one of my XXXX to where I am not able to recover that XXXX they changed my numbers I have proven that both of those accounts were are mine by sending images screenshots of my cash app cards for each account cash app will not help retrieve my Bitcoin money and the 2 business accounts that have been stolen, now on the XXXX of XXXX I tried to send my friend some money and I was unable to because cash app instructed me to verify my identity which I immediately did with a selfie video and pictures catch up told me that it would take 24 hours for them to verify it's been 4 days and I have not heard anything mind you nobody can send me money I can't send nobody money I don't have access to my Bitcoin wallet under this specific account but she had my Bitcoin limit keeps fluctuating therefore proves someone has stolen my other two accounts I would like immediate assistance in rendering or closing both of those accounts so I can be able to have my one account as well as recovering my loss and stolen Bitcoin because something is not right here and something is going on once again I have three accounts and cash app has denied me access to two separate accounts One account my main account I am unable to use because of cash app you will not let me send or receive money if I don't have access to no accounts why is my Bitcoin limit fluctuating that should not be

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: CONGRESS COLLECTION CORP
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CONGRESS COLLECTION XXXX  AT XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$60.00} THE COLLECTION HAS BEEN REPORTED AS PASTDUE BALANCE.I DO NOT KNOW THIS COMPANY, I HAVE NEVER DONE BUSSINESS WITH THIS COMPANY, THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE ON IT ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: GOLDMAN SACHS BANK USA
State: GA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Georgia XXXX  XXXX SSN : XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX. 
Reason Late payments, Apple Card To Whom It May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment my credit report : ( dispute_item_and_explanation ) XXXX demanding that this account be updated to Paid as Agreed and Never Late. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX  enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these mentioned derogatory items be investigated and permanently removed from my report. 
XXXX I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SPS Servicing has been awful. I had my loan transferred to them and they have not applied payments to my account and consistently raise payments and increase escrow as well as homeowners insurance. They even deducted more money in one check I wrote electronically. They also are not applying my payments when I have deposited checks shown!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX am a natural living being and have the right under 15 U.S. Code 1681 and Equifax is governed under 15 U.S. code 1681 and they have violated my rights numerous times. Equifax has openly admitted to reporting false credit scores on consumers credit report in 2022. Furthermore, their " IDENTIFIED '' data furnisher XXXX has removed all public records and inaccurate data from its data base and provided me with their updated credit report to reflect this. However, Equifax refuses to remove this data. Also, I have the right to privacy15 U.S 1681 and I did not give Equifax permission to furnish any information on my behalf. At this time I'm demanding the following public records be removed permanently from my report. Equifax has failed to exercise its grave responsibility to report 100 % accurate information. I demand the following items ( s ) be removed from my credit report immediately or pay me as entitled {$1000.00} immediately for each violation. This has caused harm to me by being denied credit, and higher interest rates ** Items to be removed** Bankruptcy case # XXXX

Company response to consumer: Closed with explanation