BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX/XXXX  Account Number : XXXX Reason : I don't recognize this account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Following the XXXX breach, I have been attempting to freeze my credit with all three major agencies. However, XXXX will not allow me to submit a report on their website and their phone line is down, so the only way I will be able to contact them is through snail mail. Considering that the breach is their own fault, they should have a much easier system in place for the hundreds of millions of people whose identities have been jeopardized. 

Additionally, I find it ridiculous that I will have to pay {$30.00} total to the three agencies in order to freeze my credit and will not receive a reimbursement unless I go through their snail mail processes. Do they expect all of the Americans affected by this to go through weeks of paperwork and waiting just to protect themselves? The CFPB should prevent these agencies from making any profit off of the freezes that millions are now being forced to perform due to the agencies ' own negligence.

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 2022-01-09
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave XXXX written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In a summary, an Amazon account was opened in my name in late XXXX and I disputed it. In XX/XX/XXXX all of my accounts ( Belk, Lowe 's, XXXX XXXX, Ashley furniture ) with synchrony bank that were all in great standing were all closed without explanation. After pulling my credit report I discovered Amazon was on my credit as delinquent and contacted them in which a representative stated the account was delinquent and that was the reason for my other accounts being closed. I had to open another fraud case with synchrony and XXXX. The account was deemed fraudulent and dismissed around XX/XX/XXXX, but for the last 2 months I have been receiving bills from synchrony. I contacted XXXX  and they stated the account was deleted and recommend filing a complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: PNC Bank N.A.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
PNC will not approve XXXX to direct deposit money into my account. They said they have reached out to PNC with no avail. I need weekly deposits for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Following the XXXX breach, I have been attempting to freeze my credit with all three major agencies. However, XXXX will not allow me to submit a report on their website and their phone line is down, so the only way I will be able to contact them is through snail mail. Considering that the breach is their own fault, they should have a much easier system in place for the hundreds of millions of people whose identities have been jeopardized. 

Additionally, I find it ridiculous that I will have to pay {$30.00} total to the three agencies in order to freeze my credit and will not receive a reimbursement unless I go through their snail mail processes. Do they expect all of the Americans affected by this to go through weeks of paperwork and waiting just to protect themselves? The CFPB should prevent these agencies from making any profit off of the freezes that millions are now being forced to perform due to the agencies ' own negligence.

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 2022-10-10
Company: Netspend Corporation
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
someone stole my id ss card an made there own stuff. they have got my unemploment for the whole time that i was soppose to receve it an also a biness grant start up thay have bought a house an a number of cars an trucks in allit is over a XXXX  dollers i also have letters saying that i have receved ssi for XXXX an never seen a XXXX the law at XXXX XXXX va has a report and i know who it was that stole it well most of it they are really trying to kill me or hurt they are taking the money an paying people to do it if you dont help i will never see 2023 and thats the truth plz help me i live at XXXX XXXX XXXX in XXXX va XXXX my phone number is XXXX i really 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 explanation
Consumer complaint received 2021-07-17
Company: EQUIFAX, INC.
State: AZ
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:
Last XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: ALLY FINANCIAL INC.
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021 I submitted a Roth Transfer form issued by Ally bank in order to transfer my Roth CD being held at XXXXXXXX XXXX to Ally XXXX XXXX  I was told by Ally Bank to complete a transfer form and send it to Ally bank in order to complete the transfer. I also requested an addition of {$7000.00} to be deposited into the same Ally Roth CD Account. Please not on the attached document that the transfer was requested on XX/XX/2021. 
I notice a new Roth CD account was set up by Ally Bank and the {$7000.00} was deposited in that account. There is no evidence that my CD transfer was ever made by XXXXXXXX XXXX in the amount of, {$21000.00}. I did call both banks after I realized that the Roth CD was closed at XXXX and no record of deposit at Ally. When I called XXXXXXXX XXXX, I was told that the deposit from Ally was refused by XXXX due to " grace period problem ''. When I try to call or contact Ally Bank, I am unable to reach anyone by phone, chat, or email. At this point on XX/XX/2021, there is no record of my funds at either XXXXXXXX XXXX and Ally Bank. All I have to show is the original {$7000.00} deposit I made per check to Ally bank.

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 2020-09-23
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Hi I have the us bank ReliaCard for Pennsylvania for unemployment and they have locked my account with my money on it and are not releasing my funds for me to use the card I have sent in ID verification and piece of mail proving it is me I can not pay my bills or anything cause they keep telling me to wait until they have processed my documents Im getting very upset that my unemployment benefits after everything I have send still wont unlock or free my account so I can use my card.

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 2020-11-06
Company: Experian Information Solutions Inc.
State: CA
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:
I XXXX have sent Experian and XXXX  my ID social security number to verify my information. i have sent them valid police reports from me walking in to the police departmant i have file a FTC report with more then 20 Inquiries that the perpetrator did as i am a victim of identity theft. Please see my attached documents. Experian can not say that it was a company that filed this complaint. please submit my request. There has not been nothing independently verified but automated emails that say the same thing,

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 2017-06-12
Company: CCS Financial Services, Inc.
State: ND
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company CCS XXXX ( as appears on my caller I.D . ) calls my number repeatedly. Their number is XXXX. I looked on line as to who they may be and they are a debt collection agency. I have no debt I owe to anyone or any debts released in bankruptcy. I personally have great credit. In short, why are they calling me? My guess is they have a collection with someone with the same surname or close to the same spelling in North Dakota and continue to call my number to pry for information. Here is a list of the dates and times they have called from XX/XX/XXXX to XXXX XXXX, 2017. They have called numerous times before as well but this list is only after I started keeping track : XX/XX/XXXX, XXXX XXXX, and XXXX XXXX XX/XX/XXXX, XXXX XXXX and XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX and XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have never done business with this company and they repeatedly call my phone multiple times per day and sometimes call from different numbers. I have let them know they have the wrong number and to stop calling my phone but they consistently call every day. 

Some other numbers they use are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: DISCOVER BANK
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I submitted complaint id XXXX XX/XX/2019 my personal loan was created in bad- faith as to the terms. 
The representatives were deceptive as included in the recorded call supplied from XX/XX/XXXX Correspondence was never sent to me as requested. 
My credit card spending privileges have been suspended despite making timely payments

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
My credit card statement closing date XX/XX/XXXX indicated that I must pay the balance of {$1100.00} in full by XX/XX/XXXX to avoid paying accrued interest on a promotional plan. I called in the customer service center at XXXX on around XX/XX/XXXX to verify the amount payable prior to making the payment. The customer service representative confirmed that I needed to pay {$1100.00} to avoid interest charges. I submitted the request to process a payment in the amount of {$1100.00} on XX/XX/XXXX and the payment posted to my account on XX/XX/XXXX. I received my new statement on XX/XX/XXXX ; closing date XX/XX/XXXX. My promo plan charges were paid in full prior to the interest free expiration date. But I was still charged interest in the amount of {$400.00} on the promotional plan charges. I called customer service to dispute the finances charges and request a reversal. My request was denied advising that the finance charges are valid and my account will be reviewed in 30 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-21
Company: CBC Companies, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I requested my credit report. The company did not send me one. I am attaching identity and address verifications to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: PNC Bank N.A.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/XXXX a transaction was declined. I checked online banking and saw 3 wire transactions were done and we went to the bank and called customer service. We were issued new debit cards and told nothing could be done until the pending wires were posted to the account. I worked the next 2 days XXXX, and on XX/XX/XXXX my husband and I went back to the bank and filed a dispute. I have called everyday and not getting our funds back and the bank is making it seem like we did something wrong and might not see the funds again. Unacceptable!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-12
Company: AFNI INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
AFNI ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$140.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XX/XX/ : Ref # XXXX - Requested account be closed and check be mailed XX/XX/ : Return call Ref # XXXX to confirm details of prev call and I also mailed letter as instructed to over-night department requesting account reactivation XX/XX/ : USPS Confirmed Letter was received via signature XXXX XX/XX/ : No call from Wells Fargo as promised once letter was received. Call today to request status update. No one has seen my letter. No one knows why my account is not active but shows active but wont allow anyone of the 4 or 5 people I've spoken with to close the account and mail me a check. My call was transferred a few times to operators and wrong departments until I finally spoke with XXXX, C-Rep Ref # XXXX that I can call back on XX/XX/XXXX and request my check and that would be ok even though it now falls outside of the " grace '' period. She spent the time to confirm some questions about me and indicated account should be reopened ( even though it was never truly closed ) and I can request the check on XX/XX/. 

By the way -- this is the 3rd attempt in 2 years I've made to close this account. I didn't document those attempts at the level of detail I am with this effort.

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 2020-12-21
Company: LEXISNEXIS
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I requested my credit report. The company did not send me one. I am attaching identity and address verifications to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: Early Warning Services, LLC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I requested my credit report. The company did not send me one. I am attaching identity and address verifications to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I recently received my credit report XX/XX/XXXX from all three bureaus and I noticed multiple inquiries from what looks to be auto finance companies and banks. I filed an identity theft complaint with the FTC XX/XX/XXXX and froze my XXXX credit file ( online ). I named each inquiry to the XXXX rep as she removed the inquiries. I'm awaiting a updated copy of my report. I contacted Transunion and noticed several inquiries that I complained about around XX/XX/XXXX ( and was told were deleted ) that were reinserted for some reason. Both Transunion and XXXX stated I would have to reach out to the merchants to dispute the inquiries. 

I do not believe this can possibly be right, being that I NEVER authorized any of these inquiries which is why I filed an id theft report with the FTC. Not only should I not have to reach out to someone I have no business with, but these reporting agencies shouldn't be allowed to report inaccurate and unauthorized information. 

I can say I have two vehicles that are account holding and am NOT in search of a new vehicle nor any form of credit.

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 2021-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I just opened a bank account with Bank of America on Sunday. XXXX account was denied, the other was open. I said, fine, I have a bank account now. I tried to transfer {$100.00} TO the account but my bank declined it to BOfA. 
Monday, I went to deposit XXXX in the bank account in cash. They accepted the cash, the deposit was done XX/XX/2021 at XXXX AM, and I also switched my payroll direct deposit TO BOfA account. Again these are all TO the account, not withdrawals at all. It should have been clear to the bank that this was my account. However, I tried to log in XXXX  and XXXX  to check my balance. Unfortunately, the bank stated that my account, without notice, after accepting XXXX paycheck from my employer and the XXXX, CANCELLED the account. 
They said I would get the funds reissued in a cashier 's check. But WHEN? I am writing this complaint to make sure I see these funds as quickly as possible and they don't hold them or make up some fees, because I feel it is a very misleading bank and I am greatly disgusted. 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 monetary relief