BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Bank of America doesn't protect its customers against fraud XX/XX/19 filed a claim of fraud atm transactions. The rep who took my claim was very rude and nasty towards me for no reason, I kept a positive attitude and ignored his nasty behavior whoever the rep was in XXXX, AZ that I spoke to needs a customer relation class on how to speak and treat customers because I doubt he had that same tone with me in public. 

Once he filed the claim he missed two additional charges, when I point out the error to him he say in a nasty tone. " I asked you if that was all the charges you wanted to file, now I have to open another claim '' .... Mind you I told him about all the charges I wanted to file he just wasnt listening when I was speaking to him, and the phone call recording can prove this for a fact. 

After the claim was filed I asked him for a provisional credit in my account, he said " no because how did someone get my pin card ect '' I told him my wallet was stolen which had my credit cards, ss card, and insurance card, and if I knew who took my things I wouldn't be calling filing a claim obviously and after all its my money I don't need to explain why I want money back into my account tf?. ( I been a customer with boa for about 3 or 4 years and never filed claim ever ). i ask to speak to a manger then goes to say hes an account manger, and its nothing else we can do but wait fast forward few days later i log into my account and i see XXXX, i may have called at least 10 times to see why i had this hold on my account and i got a different answer everytime. yesterday i spoke to 5 different claims agent who all gave me five different answers. 1 agent said the manger put " claim abuser '' in my notes another agent told me its an " ACH '' hold and she doesnt know why its on my account because she said she can see i havent cashed any checks, another agent told me manger named XXXX put the XXXX hold on my account was the only person that can remove it. Im glad my direct deposit was coming to that account because the neg balance would of ate it up. Boa filed to proctect me as customer and basically accused me and pointed me out as a victim. This isnt right and its no way to treat a customer. Now i recived an email saying my account closed due to inactivy now lets be logical. my account is XXXX how can i do anything with my account like that. This isnt right and contradicts Bank of America " zero liability protection '' which is a lie and false advertisment

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 2017-11-17
Company: CITIBANK, N.A.
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I purchased two cashier checks ( {$5000.00} each ) from XXXX bank in California, in XXXX and XXXX. XXXX was subsequently bought by Citibank. Four months ago I found the checks and deposited them into my Citibank account but they were returned ( and fees charged ). I visited the branch manager, XXXX XXXX, who promised to take care of it. After months of non-returned calls and emails, the bank told me that the funds had been escheated to the State of California. 

I wrote to the State who sent a letter informing me that they never received any funds, and to get the date of the transaction from the bank. The bank said they did n't know the date of the transaction. 

They then decided that the funds had been escheated to XXXX ( where I currently reside ), or XXXX XXXX. Both states ( and a search of ALL states ) did not have the funds. XXXX. suggested I ask the bank for the date of the transaction. 

They are refusing to return my funds ( even though they concede in writing that the checks do not expire ), based on the their emailed assertion that they do not keep records for accounts older than 10 years ( consequently I will be closing all my Citi accounts ). 

They accepted my money and issued me cashier checks. They lost their records and now refuse to cash their own checks. 

After XXXX months, I do n't know how to proceed. I have copies of the checks and all the correspondence between Citi and the states.

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 2019-10-05
Company: Checkr, Inc
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The company checkr had inaccurate information on my backround report that was completed XX/XX/XXXX. I disputed this on XX/XX/XXXX And on XX/XX/XXXX the completed their investigation and removed some information and sent me an updated copy. On XX/XX/XXXX my backround report was requested for another company and I received a copy of their report and nothing was removed. The same original disputed information was Still on there. This inaccuracy is preventing employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
A $ XXXX monthly fee was charged. I requested to close the account, and have the fee refunded. Wells Fargo closed the account, but did not refund the {$10.00} fee.

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 2017-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I applied for a XXXX XXXX credit card and I was denied with a credit score of about 400/850. 

I requested a credit report from XXXX and it shows 2 accounts that are ( Responsibility : Individual ) and are both late 90+ days, along with this they are over balance. 

I DO NOT have accounts with Capital One or XXXX XXXX XXXX XXXX, and will contact my local Police station tomorrow to file a report of fraud/identity theft. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: Experian Information Solutions Inc.
State: CA
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:
Department of Education is showing a school loan on my credit report. This is NOT a school loan. It is not through the Department of Education. It is reporting incorrect on my reports and needs to be removed simply because of that. It is a collection account and NOT Department of Education. The amount of {$730.00} is incorrect, the Account name of " Department of Education '' is incorrect, and the type of account " school loan '' is incorrect. This has not been removed and is stopping me from obtaining housing. It should have been removed from Experian, XXXX and XXXX already and it has not. Legally it shuld no longer be there. I have submitted disputes stating this and they are not removing it.

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 2018-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Department of Education is showing a school loan on my credit report. This is NOT a school loan. It is not through the Department of Education. It is reporting incorrect on my reports and needs to be removed simply because of that. It is a collection account and NOT Department of Education. The amount of {$730.00} is incorrect, the Account name of " Department of Education '' is incorrect, and the type of account " school loan '' is incorrect. This has not been removed and is stopping me from obtaining housing. It should have been removed from XXXX, XXXX and Transunion already and it has not. Legally it shuld no longer be there. I have submitted disputes stating this and they are not removing it.

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 2017-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have contacted all three credit reporting bureaus numerous times about this issue. I have also filed a complaint with you about this before. As of this date this has NOT been resolved. I have letters from Transunion and XXXX both that as of XXXX-2017 they have once again placed a FRAUD ALERT on my credit report. I am also still having problems with XXXXbout this same issue of placing FRAUD ALERTS on my credit report. I have NEVER and I repeat NEVER requested these FRAUD ALERTS be placed on my credit report. I have contacted all three Transunion, XXXX and XXXX and constantly requested that they remove these FRAUD ALERTS from my credit report. I have had NUMEROUS conversations with them and been assured they would remove the FRAUD ALERT but THEY ALWAYS place another FRAUD ALERT on my credit file without my requesting that it be done. 

I am about ready to contact an Attorney as well as the Better Business Bureau to file a lawsuit and a complaint against each and everyone of them. 

I want these UNREQUESTED FRAUD ALERTS TO BE PERMANENTLY REMOVED FROM MY CREDIT FILE. 

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 2019-10-05
Company: Diversified Consultants, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have had an XXXX XXXX XXXX collection show up and damage my credit score without any notification from either the phone company or the debt collection agency.

I have never had any issues with paying off bills and ensure  everything is always paid off. 

Now this has shown up and really damaged my credit report. 

When I shut my XXXX XXXX XXXX account to switch to XXXX  I was assured that the account was in good standing by a ) XXXX in person in the store b ) XXXX XXXX XXXX over their phone support I have since received no communication from XXXX XXXX XXXX about this charge, I do not even know what it relates to. There is a {$72.00} collection showing up in XXXX XXXX that was opened on XX/XX/2019. The company collecting is " Diversified consultants inc ''. 

To be clear I have received zero communications over email, phone or letter from this company or XXXX since. My cell number has stayed the same, I moved address in XXXX but I set up letter forwarding with USPS so any communications would be received.

Why are they allowed to silently report collections like this? The {$72.00} is such a trivial amount this is now having a real impact on my credit score. I am a property owner and this type if thing is very serious when applying for a mortgage. What can I do to resolve this as soon as possible? 

Cheers, -- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Based on Section 609 and 601 of the fcra and USC 1611 this  company is required to provide proper debt validation in order to collect a debt in which I have no knowledge of therefore this debt is inaccurate and should be removed from my credit report as soon as possible it is deemed has a fraudulent 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 explanation
Consumer complaint received 2020-05-01
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 is missing that should be on the report

Complaint:
Hello, I have a complaint. After watching an Infomercial on TV about credit. I decided to get a copy of my credit report and sure enough it contains errors and 4 collection accounts I know nothing about them. I tried to reach out to Equifax by phone and I have not been able to reach anyone live for the past few weeks. I have also sent my disputes in the mail and I have yet to hear back. I'm not sure if they are open but I want to let you know what I am dealing with and hope we can get the situation resolved immediately. 

That said, I have 4 unknown collection accounts being reported on my Equifax credit file. The frustrating part about all this is that Equifax only list the name of the collection agency on my credit report- they do not list the companies address or my account number that is tied to the debts- I sent a letter to one of the collection agencies and they said they could not find an account with my name/address in their system. 

The following account that do not belong to me are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Synchrony Bank XXXX XXXX Car Care card was opened as a result of data breach of fraud was sent to some undisclosed address that I don't know and was used the moment it popped up on my credit report I contacted Synchrony Bank and the approve the claim and the listing was removed now they are constantly putting it back again with a different account number so that it can bypass the credit report filter and holding me accountable and trying to extort money out of me on a card that was never opened my me please help every single month reporting is removed a new account is issued and then back to square one

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: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I would like to Negotiate a plan to get the speedy cash loan off my credit! If you could please contact me at your earliest convenience XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
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: Information belongs to someone else

Complaint:
Have been back and forth with your company regarding XXXX XXXX. This account is a result of identity theft and does not belong to me. Have also contacted XXXX XXXX and the credit can not validate this account so how in the heck are you verifying it. Not only that after I informed you that was a result of identity theft it should have been blocked and an investigation taken place yet that was not done either so you have not followed the law. XXXX XXXX has no contract bearing my signature no can provide proof of a valid driver license that was issued to open this alleged account. Please remove from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: Veros Credit, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
Previously I had been dealing with XXXX and XXXX ( I believe that was the name of the other woman ), and both were very nice and cordial. This past week, I have been receiving phone call after phone call from a man whose name is XXXX. He has been very rude and hostile on the phone, and calling 7-8 times a day, plus calling my work, even after I had told him he can not contact me on the work line ( Tuesday, XXXX ). It is not to be used for personal phone calls, and yesterday afternoon ( Friday, XXXX ), he called my work yet again, and was disrespectful, and threatening the individual who answered the phone. He was hostile and using profanity, and threatening him and would not identify the name of the company he was calling from. This is by far unacceptable, and every phone call received and outbound is recorded. I would be happy to provide the recorded conversation if necessary. I am now possibly going to have to face consequences for him continuing to call the work lines, and his hostile behavior towards another employee. I have never had any issue with anyone other than XXXX, and nobody else has behaved in this way until now. It could possibly jeopardize my employment with my fairly new job. How does he expect me to catch up on my payments if I were to lose my job due to his behavior, and continuing to call the work lines. This is unacceptable and I am not comfortable discussing anything further with him.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I recently applied for a CLI, here is what I do not understand. I've been a CapitalOne QuickSilver cardholder since 2013. Since that time, I've never missed a payment period. Every other credit card on my profile has increased my limit. My oldest card, I can not get an increase. Seems to me that it's not worth having. Secondarily, I have paid off every trade line but two to a XXXX BALANCE. The score is not everything, this is what's wrong with modern-day America lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX my husband and I began the process of purchasing a home and I gave our apartment complex, XXXX XXXX XXXX XXXX XXXX, 60 day notice that we would not be renewing our lease. I did this through their online portal and by mail. We were able to close on our home and move out of our apartment one month  before our lease was to be up. I spoke with a company representative and agreed to pay the last months lease but was asked to turn the keys in early as they had a new tenant waiting for the apartment. I turned in our keys and provided my mailing address for my final bill. I heard nothing from the apartment managers until XX/XX/XXXX when they filed an {$5900.00} collection against me and my husband claiming we had broken our lease ( {$2300.00} ) and charging us a notice fee ( {$2300.00} ) plus two months rent when only one was owed. Additionally IQ Data is attempting to charge us interest on this debt we do not owe bringing the total to {$8500.00}. This is not a debt I owe, I feel the leasing company took advantage of my good intentions and non of this would have happened if I hadn't turned my keys in early as they requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a hospital bill and then i noticed that i had the exact same amount in a collection on my credit report. i have tried to tell the company that i paid this already, i've tried disputing it with the credit bureaus but have been unsuccessful. Please 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 2017-11-29
Company: Danco Financial Services, LLC
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: Old information reappears or never goes away

Complaint:
XXXX XXXX is still being reported on my XXXX report it was opened in 2006 and I have requested for it to be removed and they have fail to remove it. XXXX XXXX XXXX XXXX XXXX Ga XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To Whom It May Concern, The reason for my dispute is XXXX  XXXX XXXX # XXXX, # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXXXXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violationXXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX  XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with non-monetary relief