BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XXXX I tried to open an account with Bank of America. I the branch person said it was fraud on my account and I have never done anything illegal. I used to work for the bank from XXXX to XXXX. I used to be a Bank of America customer. When I called the number that I was given and select option 2. I was told that I couldnt open an account. I ask why and all they would tell me was it was the banks decision. By law the banks are to make the customer aware of why they cant open an account. I have open other accounts and I have no problem with them. Im sure they all use the same systems to verify a customer information. It does not sit well with me knowing I have not done anything wrong and if I have I would like to know. I want to know how they have my profile flagged?

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 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

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 2018-03-05
Company: Diversified Consultants, Inc.
State: IN
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, from an offer to provide high speed internet access, I made arrangements with XXXX XXXX XXXX to replace my Spectrum service with less-expensive and higher speed service. The XXXX XXXX XXXX technician installed the service, but warned me that I would likely not be satisfied with the available speed. The available speed in my neighborhood was only 3 mgs as the fiber connectivity had not reached my area. My previous speed from Spectrum was XXXX mgs. He told me that I had to call XXXX XXXX XXXX to cancel the service. I did so and XXXX XXXX XXXX agreed to the cancellation. They told me that I would see the net zero bill in XX/XX/XXXXXXXX the billing balance due that month had been reduced but was not at zero as promised. XX/XX/XXXX's bill was further reduced but still not at zero. Each month I spoke to XXXX XXXX XXXX and was told it was just an internal process to back off the charges and for me not be concerned. XXXX weeks ago, I received a collection letter from XXXX XXXX XXXX for the residual amount of {$110.00}. Since then I have received two collection phone calls informing me that the uncollected debt was going on my credit report. I spoke to XXXX XXXX XXXX again on XX/XX/XXXX and they told me that they would correct the issue, but it would take time to negotiate service costs with the collection agency. To their admission, I do not owe the debt, but because of their delay in processing, it has cycled through to the point of collection. They keep telling me the right message but the never follow through to closure. XXXX XXXX XXXX 's incompetence has now turned into harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Upon reviewing my updates, the incorrect items were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still presenting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX TX XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$95.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} Medical XXXX Balance : {$680.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-03
Company: SUNTRUST BANKS, INC.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
1.-Last XX/XX/2018 we sent a wire transfer from XXXX, XXXX XXXX XXXX for the amount of {$10000.00} to an account in SunTrust Bank of XXXX, located at XXXX XXXX XXXX XXXX XXXX, GA. Funds were to purchased goods at USA .

At the time we didn't know that the account was fictitious, someone use Suntrust Bank to steal the funds that belongs to another final beneficiary.

The final beneficiary is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California. Phone : XXXX Our bank in XXXX  request the return of funds to Suntrust Bank but we receive a denied from the bank. They tolds us to contact fraud assistance center at XXXX but we never have an explanation of why do they have a fictitious account in their bank receiving international wire funds that belong to a legitimate provider in California.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: FirstPoint Collection Resources
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom It May Concern : I'm a recent victim of identity theft and fraud. I recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed XXXX & FIRSTPOINT COLLECTION RESOURCES, INC that I wanted a little more explanation on, and they need to be deleted/removed from my credit report. I also recieved an alert on my experian account that a recent account has been opened with my social security number at XXXX XXXX XXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THIS ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. IF YOU DO NOT REMOVE I WILL SUE YOU IN COURT FOR DEFAMATION OF CHARACTER. 

FTC IDENTITY THEFT Report Number : XXXX THE POLICE REPORT # : XXXX I DEMAND THIS ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY! .AND STOP REPORTING THIS FRAUD ACCOUNT. 



COLLECTION ACCOUNT : XXXX & FIRSTPOINT COLLECTION RESOURCES, XXXX delete it from my credit report Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A. States I have a right to privacy 15 U.S.C. 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2023-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
Account has been settled with Capital One Auto Finance XXXX XXXX. I have the car title. Company reporting account closed on two of the reporting reporting agency 's and open on one. Reporting of account owingXXXX XXXX owing, reporting a balance of {$1400.00} on all of them. I submitted a complaint to the company and received a letter back XX/XX/XXXX stating reporting information accurately. I called this company on XX/XX/XXXX and they stated the account was closed and there was no active collection. My access to this account on there web site has been blocked. I filed a dispute with XXXX in XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX and they change a few thing to get accuracy closer however there reporting is not still accurate and complete. I would like reporting to reflect closed, paid and on time or account removed from all credit reporting agency '' s.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX XXXX reporting wrong information on my credit report.I told them the account dont belong to me and to send me the original signed agreement, and account original balance and they will not validate 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 non-monetary relief
Consumer complaint received 2022-07-12
Company: Bread Financial Holdings, Inc.
State: TX
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:
Fraudulent XXXX  card application submitted with Comenity Capital Bank. Contacted the fraud department and currently do not have record of the application. Inquiry is currently showing on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-19
Company: SANTANDER HOLDINGS USA, INC.
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: Old information reappears or never goes away

Complaint:
I XXXX do not owe Santander any money. They are reporting a XXXX balance on my credit report. I want the, to delete this from my credit report ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: T.S. Holdings
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I.Q. Data Internacional , Inc. Collection keep calling my employer, family and friends. 
Harassing me with putting a lien on my property and garnish my salary. 
Collection agency keep repeating they have many ways to make pay the debt, insinuating that can show up at my door, and telling me they know everything about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this. 


XXXX XXXX XXXX    XXXX XXXX  reporting inaccurate account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting on all 3 Bureaus inaccurate XXXX XXXX XXXX XXXX reporting inaccurate on all 3 bureaus

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 2018-10-03
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian -report inaccurate information 1.

There a creditor XXXX XXXX XXXX that is reporting negatively on my credit report. Date open XX/XX/XXXX amt {$1000.00} and everytime I call the creditor they say they dont have this loan on file, and I get no place with them. I have sent to Experian my payment history when I attended University and it shows a XXXX due. But yet each time I ask them to delete this they send me a letter saying its been investigated and staying contact creditor. The creditor does not assist me and hang up on me. I have written letters to them and I Graduated. You are not able to walk at the commencement ceremony if you have a balance.

Experian is not helpful at all.

2.

Experian- report negatively XXXX XXXX Date open XX/XX/XXXX XXXX was purchased by another creditor, my account included which is currently reporting on the credit bureau in good standing. All that happened was my account number changed, but Experian is reporting XXXX, XXXX as closed.

This has been requested on several calls and letters to delete this off my file, that they are actually reporting the information twice. My account was never closed it was assigned a different account number and that one to is reporting on my credit profile.

The old owner 's of XXXX has been unreachable and the new ones ' are reporting accurately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
BMO Harris Bank cashed the check without confirmation of proper ID. 

I was expecting a bonus check for {$3000.00} from XXXX XXXX XXXX after 90 days of employment with XXXX XXXX. The check was sent to XXXX XXXX XXXX in XXXX XXXX, IL XXXX, which is the address that I was supposed to lease, and I notified XXXX via email of my new address on XX/XX/XXXX and on XX/XX/XXXX. XXXX XXXX of XXXX never updated my new address. The check was sent to XXXX XXXX XXXX, XXXX XXXX, IL XXXX, and the occupants at XXXX XXXX XXXX stole the check and forged my name. The check was cashed at BMO Harris on XX/XX/XXXX. 
XXXX XXXX is the bank for XXXX XXXX XXXX, and they will not reissue the check until they are reimbursed by BMO Harris. 

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 explanation
Consumer complaint received 2020-02-26
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
macys would not change my payment date or work with me at all in any kind of way while I was homeless now that my account is current and paid in full they will not remove the derogatory remarks from my credit report when I called XX/XX/2020 they stated that it isnt possible because they made no error and they can not remove remarks due to personal issues there are 2 negative remarks on my credit report that affect my XXXX  and I from getting a mortgage or any type of home or housing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: EQUIFAX, INC.
State: MA
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:
I disputed my account for not reporting paid in full months afterwards. It was then deleted off of my records and my name was removed from the joint account that was removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I took out a loan from this company on XX/XX/XXXX for {$750.00} I have currently been paying this loan to the best of my abilities but due to my hours being reduced and struggling financially. I sent them an email on XX/XX/XXXX and advised them to stop collecting ACH drafts. I received a response back ( see attachments ) that the request was processed on XX/XX/XXXX. I received another email today,XX/XX/2021, stating they are STILL going to collect payment via the ach draft when I asked them to stop with proper 3 days notice. I can barely afford food and on the verge of bankruptcy. I asked them to stop collecting payments so I can send them payment on my own terms as my bank account is not an option at the moment. I do believe I have this right but based on their response they are disregarding my request. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I am writing to file a complaint against American Express for unfair and deceptive practices related to account cancellation and points forfeiture. 

I have been trying to cancel my American Express card ( Account Ending XXXX ) since XX/XX/XXXX XXXX Despite multiple requests, American Express has been unable to provide me access to my card, claiming they need to ship it to me first before I can cancel. It has now been over a month and I still can not access my card to complete closure as they are advising. I have made numerous calls and complaints, but the issue persists. 

Additionally, their policy states that if I cancel my card, I will immediately forfeit all my accumulated rewards points, which have a cash value equivalent of approximately {$3600.00}. This seems like an unfair policy meant to punish customers who want to cancel their card. 

By making it exceedingly difficult to access my card and close my account, combined with threats of rewards forfeiture, American Express is deliberately trapping me in their service. This is deceptive conduct that takes advantage of consumers. 

I request that the CFPB compel American Express to close my account immediately without need for the physical card, and allow me to redeem my accumulated rewards points prior to closure as is reasonably expected. American Express should not be allowed to hold customers captive via unfair policies and practices. 

Please investigate my complaint against American Express and work to stop these deceptive business practices. I have included copies of my account statements and correspondence with American Express representatives documenting the cancellation issues and points policy. 

Thank you for your help resolving this complaint. Please let me know if you need any additional information. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Trans Union is reporting an inaccuracy on my credit report. XXXX, and XXXX  deleted the accounts unable to verify, and TransUnion has Not provided the outcome of their 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 explanation