BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-09
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 belongs to someone else

Complaint:
I HAVE NO IDEA HOW THESE INQUIRIES GOT ON MY CREDIT PROFILE. PLEASE REMOVE THESE FRRAUDULENT INQUIRIES FROM MY CREDIT REPORT AND SEND AN UPDATED COPY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
IN ACCORDANCE WITH THE FAIR CREDIT ACT XXXX XXXX ACCT # XXXX 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A. SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2018-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Dear Bank of America, After reviewing my records with XXXX ; I noticed that a checking account that was opened fraudulently is still being reported as having belonged to me. I believe this account either belonged to an individual with a similar name that lived in the same city that I used to live in or somebody fraudulently used my information without my consent. I am requesting that you immediately cease reporting of this account and that you purge all my information from being linked to the closed checking/savings account from your systems. Failure to do so will result in legal action taken against your company/bank in small claims court. I have never had a checking account with Bank of America. If you have proof that I was the individual that somehow opened the account in question, please provide me with all the evidence for review so that I may provide an appropriate response. 

Very Respectfully, 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 explanation
Consumer complaint received 2021-06-08
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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: Square Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Cash app states : Cash App offers standard deposits to your bank account and Instant Deposits to your linked debit card. 

Standard deposits are free and arrive within 1-3 business days. 

Instant Deposits are subject to a 1.5 % fee XXXX with a minimum fee of {$0.00} XXXX but arrive to your debit card instantly. 

I had an instant deposit from XXXX on my cash app debit card and it shows I have a XXXX  balance. XXXX gave me a confirmation number and I know they made the deposit. Cash apps customer service line is always closed. I sent five support emails to them and have had not one response. They are not posting my {$920.00} to my account. It was a direct deposit to the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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:
I reviewed my credit report and the accounts that I have forwarded for verification have not yet been verified, please verify these accounts XXXX XXXX Balance : {$470.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX Balance : {$420.00}

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 2021-06-08
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: Old information reappears or never goes away

Complaint:
On my Equifax credit report, XXXX ( Account Number : XXXX ) was deleted in XX/XX/2021 and reinserted on XX/XX/2021 and I was never notified of reinsertion. I was advised by XXXX at Equifax they did not need to notify because the lender reported it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
After having multiple chase products i discontinued my chase student checking account, and my chase unlimited freedom credit card. 

I created a dispute to which there were 0 responses/messages in my inbox, chase closed the dispute without notifying me or communicating with me ; when asked about it i was told i would have to write a letter to them even though the issue was on their digital product 's behalf. 

Chase 's customer service is awful, they wouldn't assist me with disputes, multiple call disconnections, i spent 2 hours on the phone and both " transfer to supervisors '' magically failed. The best part of the customer service is when you get that magical representative that cuts you off every two seconds, give you attitude and then acts like theyre doing you a favor by being on the phone with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
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:
XXXX # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
DATE OF LAST ACTIVE, DATE OPENED, ACCOUNT RATING, PAYMENT STATUS, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates

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 2020-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had a {$21000.00} CD with Capital One Bank. I asked that the CD funds be returned to me when the CD period ended, on XX/XX/2020. They have not returned my funds to me. I have spent about 6 hours on the phone with the bank. They initially told me the funds would be transferred into an account I have at the bank ; then that the bank was incapable of transferring the funds to an account at their own bank ; then that a check had been mailed, then that a check had not been mailed but would be and I would receive it in 7-10 business days. I still don't have my funds. They are now asking me to submit an affidavit, attesting to the fact that I have not received the funds, however, they have not provided me with the form of affidavit or where to send it. I now must retain an attorney and commence a legal action, which will likely cost me thousands of dollars and take an extended period of time. All of this to obtain funds I deposited with this bank in the naive belief, I guess, that it would be simple to recover these funds when my CD period ended. I am not a conspiracy theorist, but I have come to believe the bank is intent on simply stealing my money. And I am a sophisticated consumer, with a XXXX XXXX. I can't imagine what this bank does do people with fewer resources. Nor is this some minor fly-by-night operation. This is Capital One Bank!

The only way to communicate with Capital One Bank is by phone. The average hold time is 25 minutes. I asked to talk to a supervisor. The hold time was 50 minutes. The bank sent me a letter telling me my CD had been redeemed. But they have not sent my any of my money. 

My name is XXXX XXXX. My email address is XXXX. My phone number is XXXX. My mailing address is XXXX XXXX XXXX, XXXX XXXX, NY XXXX. The last four digits of the CD are XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Credit Karma, LLC
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My credit karma account has been funded by someone who is not me. The extension account linked to my credit karma account is not mine. And i would like to close out the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: Ability Recovery Services, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

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 2020-07-13
Company: Scheer, Green & Burke L.P.A.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Today I received a call from a XXXX XXXX regarding some bills I allegedly owe. She was very rude, nasty and condescending. She went as far as to threaten me and state that I was being sued and a lien put on my house for medical bills that I don't owe. I have insurance and the hospital failed to bill my insurance. 
She also was trying to collect on red light tickets that I am not responsible for. Plus the red light tickets here in XXXX are no longer collectable or can be placed on credit trade lines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
around XXXX, I checked my annual credit annual report and noticed an inquiry from city bank and an account that was recently opened with Best Buy, I contacted the company as to why they are showing an account under my name because I did not have applied to have any account with them, the city Bank fraud department opened an investigation and the account was closed and as being fraudulent account and then city Bank removed their reporting from the credit reporting agencies, around XXXX of XXXX a collection reporting company start to report the same account as charged of trying to collect a debt, city bank had sold the same fraud account which it has different date of birth and address and last name to the collection company XXXX XXXX XXXX XXXX, again during annual credit check this year I noticed the collection company XXXX XXXX XXXX XXXX showing up on my credit report, I have contacted both city Bank and Resurgent Capital as to this account is not my account and should be removed but city Bank is sending me to the collection XXXX XXXX saying they no longer have the account and Resurgent refusing to admit they are reporting an fraudulent report that does not have my correct ID or anything connecting me to the 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 2017-01-18
Company: SLM CORPORATION
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
XXXX purchased my loans from sallie Mae. Now at least 1 to 2 years later we receive a call to start paying on some that they do n't even own any longer. From what I 've read regarding sallie Mae, sadly I think my son and I are in for a misery.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I currently have a home loan with XXXX XXXX XXXX, serviced bu Shellpoint Mortgage Servicing. My loan was originally through XXXX XXXX Bank but was sold in May to XXXX XXXX XXXX My loan is current and has never been late. I have an issue regarding PMI. It is my understanding that per the Homeowners Protection Act of XXXX, once my loan reaches a Loan-To-Value ratio of 78 %, PMI is to be automatically removed. With my most recent extra payment on XX/XX/XXXX applied to principle only, my Loan-To-Value ratio is no 77.9 % and it is my belief that I qualify to remove PMI. My most recent appraisal in the Fall of XXXX valued my home at {$450000.00}. I have been in communication with Shellpoint since XX/XX/XXXX regarding my desire to remove PMI. I realize the time has not been much since my initial communication to XXXX XXXX XXXX but I want to address this before I am charged anymore PMI and have to work on getting a refund On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX stating that in order to remove PMI, I must meet certain conditions. As I mentioned earlier, I am current now and always have been with my payments. There are no liens on my property. There is one requirement where I believe XXXX XXXX XXXX to be in violation of The Homeowners Protection Act. There letter states that I must request an appraisal at my expense ( minimum {$400.00} ) and that my LTV ratio requirements will range from 65 % to 80 % to qualify for early cancellation. I am submitting a copy of the document I received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
The following companies placed unauthorized inquiries on my credit report. I submitted request to each of the credit bureaus to have them investigated, but they replied back advising that I should contact the companies directly. The phone numbers to each of these companies were listed on my credit report. I attempted to call each one of them and could not get through because I had to either have a credit card # or my social security # in order to get past the prompt. So, I am unable to reach them using the # XXXX provided. 

I'm requesting that these unauthorized inquiries be investigated and removed from my credit report. 


XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX CARD XX/XX/XXXX XXXX   XXXX CARD XX/XX/XXXX XXXX XXXX XXXX I XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX DEALERS XX/XX/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 2018-05-21
Company: CREDIT ACCEPTANCE CORPORATION
State: CO
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 had purchased a car from XXXX XXXX in XXXX XXXXXXXX in XX/XX/XXXX. While purchasing the car I had given them a checking account number from XXXXXXXX XXXX that I no longer use by mistake and they proceeded to process the loan. 

The loan holder was Credit Acceptance Co ( Account number XXXX ) In XX/XX/XXXX the car was repossessed without my knowledge that I had missed any payments. I was not informed payments were being missed. The first notice I had received was dated XX/XX/XXXX, showing a late payment {$490.00} ( attached ) then another late notice sated XX/XX/XXXX, that showed that I owed {$12000.00} in late payments and fees ( see attached ) On XX/XX/XXXX, I recovered the car through Credit Acceptance Co by paying the past due amount {$750.00} ( one payment past due plus repo fee, see attached ) and am now in possession of the car, with renegotiated loan terms, rolling the additional late payments back into the loan.

Now that the car is no longer a repossession, I have reached out toe Credit Acceptance on numerous occasions to see if they could remove the repossession from my credit report. They have refused to do so. 

I was in the process of buying a home and with the repo on my credit report, I am no longer able to obtain financing because of the repo being on my report. I assumed by paying what I owed and retaining ownership of the car the repo could and would be removed from my report.

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 2018-05-21
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt is reporting on my credit report twice under the XXXX XXXX XXXX & XXXX XXXX and this account has since been sold to another collection agency and Ive tried to dispute debt several times between the months of XX/XX/XXXX & XX/XX/XXXXand Ive gotten any results ... Ive ask them to validate the debt and they have failed to do so ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I obtained my credit report at the end of XX/XX/XXXX. I saw that Navy Federal Credit Union reported me late one time in the month of XX/XX/XXXX. Immediately I thought there has to be a mistake. One reason is that I have auto pay and I was on short-term XXXX during this time and informed the Credit Card Company of my situation. I have three letters from the bank stating they can not help me and they do not make goodwill adjustments which is fine. What is not fine is that Navy Federal is in error because that one late payment should not be on my report. I proceeded to send an email to XXXX where I received a phone call from a representative stating they received all 10 of my emails and they have determined they can not remove my late payment from the credit bureaus. I asked the rep to explain to me how they investigated my autopay, the fact that I notified them that I was on short-term XXXX from XXXX XXXX XXXX XXXX ; how did they do a proper investigation and he stated they did not investigate my autopay. That is absurd!!!!!!!! I want my late payment removed from all three credit bureaus due to an error on Navy Federals Part. Furthermore, doesn't Navy Federal offer services for when their cardmembers are not working. Why give me a late payment during the time I was on XXXX. I have sent many letters to the credit bureau, to navy federal, and I have emailed my short-term XXXX papers to Navy Federal. Please help.

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