BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-03
Company: TekCollect Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I have been contacted during non professional business hours with repeated harassing calls. Most notable was the XXXX calls I received on XXXX XXXX while with family and resulting in disturbance at an Obscene hour. There are codes and conducts outlining professionalism and business conduct which are blatantly being violated by this collection agency in an effort to Harass me and cause my life extreme discomfort for a debt that i am not the owner of. This specific incident occurred on XX/XX/19 and phone records can be requested from cell phone provider. The problem has been on going for months. On XX/XX/19 a call was placed on my behalf to further dispute the collection and the creditor is contacting there customer who fraudulently amended the original bill to reflect my name and address in an attempt to collect monies that I do not owe. The collection company will not accept emails, has no legal team that I can contact and refuses to look at evidence and original bill to the responsible party that I have asked to provide. The collection company says they can only get the info from their customer the business which is committing fraud to collect monies from me unlawfully. Bad business practice and bully tactics to make money. Please help.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: Phoenix Financial Services LLC
State: FL
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. 

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
1-My business credit card was revoked for no reason and no one at Bank of America would give me a reason 2-the bank confiscated the {$600.00} XXXX XXXX  bonus I earned and wouldn't release it even after multiple attempts

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX/XXXX  Account XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX/XXXX  Account XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting 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 do not recognize these credit inquiries, and I have asked for them to be removed, and the bureaus did not do as I asked. I am providing an identity theft report, and I am requesting them to be removed because they are inaccurate and are not mines.!

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 2019-08-22
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Received numerous emails and mail from Chase about " now '' being a good time to refinance. We wanted siding and a new roof for our house and I called my contractor to my house for a quote in XXXX ( {$23000.00} ). We purchased the home in XXXX and it appraised for {$100000.00}. We did a refinance in XX/XX/XXXX and it appraised for {$110000.00}. Used Chase 's home value " tool '' and it brought back a value of {$110000.00}. I told the mortgage rep at the time we applied for the refinance, I was using their " tool '' as a basis for coming up with a final home value of {$110000.00} ( just to play it safe ). So the new mortgage would pay off the existing one and give us back $ XXXX for siding/roof ( and {$7000.00} " closing costs '' ). I paid the " good faith funds '' of {$500.00} on XX/XX/XXXX. Their appraisal was done beginning of XXXX and on XX/XX/XXXX, I received word from Chase that my home only appraised at $ XXXX. I was in disbelief. Their appraiser had in his report that " no upgrades done since home was purchased '', even though I had 9 windows and 2 patio doors replaced! When I questioned Chase about this, they told me to look into home sales in my area to find higher comps! I asked for my {$500.00} back since I was told I would get the funds returned if the mortgage did not go through. This is a deceptive practice!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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: Problem with personal statement of dispute

Complaint:
Someone fraudulently opens a credit card in my name with capital one for XXXX $ The account was charged off and sent into collections without me being notified and also was reported on my credit profile even after I wasnt notified I placed a dispute even called the creditors told me nothing they can do about it nd it was bought by a debt collector. 

The credit buereus and creditors have to all follow the laws which they didnt they violated These codes/ laws and therefore this needs to be removed off of my report secotion 604- 15 U.S. code 1681 B Secotion 605 A -15 U.S. code 1681 C-1 Section 605 B - 15 U.S. code 1681 C-2

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Today, XX/XX/2020, I checked my credit file and noticed I have 14 unauthorized hard inquiries. To my knowledge I have Never signed any documents authorizing these companies to pull my credit. I am working individually with each company to get them removed. These unauthorized inquiries are in violation of the Fair Credit Reporting Act, Section 1681b ( c ). Since these inquiries are unauthorized I have filled an Identity Theft Report with the FTC. Included with this complaint are : FTC Identity Theft Report, Letter to XXXX, FCRA 605b, Drivers License, Social Security Card, and Proof of Residency. These forms are to serve the purpose to identify myself which are required by the FTC for my Identity Theft 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 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

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 2017-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 noticed some unauthorized and unknown inquiries on my credit report. Please remove these unauthorized inquiries because they are negatively affecting my credit report. The unauthorized inquiries are : XXXX XXXX XX/XX/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 XXXX XX/XX/XXXXXX/XX/XXXXXXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/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 2020-01-03
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My name is XXXX. I am a XXXX  at the XXXX XXXX of the University XXXX XXXX. I was born in XXXX and have filed tax returns for many years with my US issued Social Security number. I have had bank accounts at XXXX XXXX  ( now XXXX ) and XXXX XXXX XXXX. Today, I tried opening a CD account with Marcus by Goldman Sachs on XX/XX/20, and my application was declined because their system could not verify my identity. I spoke with a supervisor named XXXX who proceeded to explain that Marcus will not take my money because its system can not prove that I am who I say I am. I provided my social security number and every other piece of information for which they asked, so I do not know how it is possible that my identity can not be authenticated. I offered to provide XXXX more information to prove my identity such as a scanned photo of my passport, driver 's license, and my current bank account information. She refused. I am very disappointed and have never come across an issue like this before : a bank rejects the money of a perfectly contributing, tax paying American citizen who is a student at one of the nation 's top universities. The fact that their system could not verify my identity in public or private records indicates that their system is either flawed or pulling information from the wrong records. In either case, it's detrimental to the consumer. My mother is a XXXX XXXX at one of the largest bank 's and was baffled by this situation. Marcus and Goldman Sachs need to review their policies and procedures and address situations that lead to ridiculous outcomes such as the one today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I called today XX/XX/2023 to report fraud on my account, after the call was verified was trasnfer to another department and the teller " XXXX '' denied me the right to report fraud on my account saying that first I need to send my passport and XXXX utility bill. 
Im not going to send any personal information through the fax. 
So first I need to claim agains the bank due denying my right to report fraudulent activity on my account violating the national law about this that allows me to report this triugh the phone, on person or by letter. 
Second need to open the claim agains the transactions made in XX/XX/XXXX and XX/XX/XXXX. 
I received a notification ( email ) on XX/XX/XXXX " suspicious activity '', so i press NOT AUTHORIZED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorized those transactions, I noticed that my car was lost when I get the email alert.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
on XX/XX/XXXX I filed a report with CFPB ( XXXX-XXXX ) against this company for items on my report due to identity theft I provided a police report and an FTC report even though they removed the items they refuse to delete the inquiries that were also due to identity theft and fraud here are the items there are also new inquiries. When I called the company they gave me a line that they don't remove or dispute hard inquiries which are against the law you have to remove inaccurate information from my report they also claimed that I did not file the above-referenced report with you all I spoke to a Manager who also stated the same facts. This Credit reporting agency needs to be investigated. Inquiry details Miscellaneous Reptg. Agencies  XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX  - XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX/XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg.  Agencies XXXX XXXX, XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX/XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, Old

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-14
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A payoff amount was submitted to XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX according to the total amount on the statement. SunTrust Mortgage has refused the payment twice. Another check was sent on XX/XX/XXXX, which was an official check from my banking establishment. XXXX XXXX XXXX XXXX has n't responded to my request at this time. See attached documents.

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 2022-01-25
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I refinanced my home and elected to use some of the equity I pulled out to pay down/off a credit card I have with Barclays Bank XXXX The title company title365 sent me a check in the amount of {$4400.00} to send to Barclays. One XX/XX/XXXX I mailed them said check. This was not the only company I did this with, so about a month later all of the other checks I mailed except for the one sent to Barclays had been applied to the respective accounts. I called Barclays on XX/XX/XXXX to inquire where my payment was and why it had not been applied. They said they would research and figure out what is going on and let me know within 7-10 business days. I subsequently called Title365 ( on XXXX XX/XX/XXXX ) to check to see if their check had been cashed, and they informed me that it had cleared as of XX/XX/XXXX. I then reached back out to Barclays to inquire about the status of my check being applied to my account, they said they had not found it yet, but they would escalate my case and gave me the case number of XXXX to track all of the activity. It is now XX/XX/XXXX and I called again today seeing that my payment still has not been aplied to my account with another " wait XXXX to 5 days '' and you can call back. I am blown away that a company whom I have spent a ton of money with over the past several years is soooo slow and incompetent. Any help that can be provided in resolving this case would be greatly appreciated. I let the representative I spoke to today ( XXXX a supervisor ) know that I would be contacting the CFPB.

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 2022-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
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:
Over the past several months, fraudsters have tried to open credit accounts in my name with several banks including Bank of America, XXXX, XXXX XXXX, and XXXX. The criminals have access to my identification due to the XXXX data breach that occurred in XXXX. So far, no accounts have been successfully opened. 

Today, a new attempt for credit in my name was made with Bank of America. I received an email stating that an application had been received for an XXXX  XXXX credit card in my name. The reference number given for the application attempt is XXXX. The applicant used my name and social security number, but used a different mailing address. I have requested the bank send the application to me for review. The bank is complying with that request. The sender of the email was identified as : Bank of America XXXX. The email looked legitimate. 

I'm concerned that sooner or later, someone will succeed in opening an account, or will succeed in accessing one of my active or currently closed credit card accounts and start using it as their own. 

I have frozen my credit with all 3 credit unions and have credit monitoring turned on. However, humans make mistakes and/or not all banking staff is honest and I fear that my financial health is significantly at risk for major damage. 

What else can I do to protect myself besides paying significant costs for insurance to protect me from abuse of my identity?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25
Company: WLCC
State: MN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, I received an email from this company stating I was in collections and owed them 670 dollarsXXXX  I did admittedly have this fall into collections due to bad management on my part, but it should be noted that this debt is not on my credit report. 

I asked them for a " written validation notice '' before I made any move to repay the debt, as is my right. By law, this must provide the amount of the debt, the name of the creditor I owe, and my rights under the FDCPA. In response, they simply gave me my account number and ordered me to contact them to repay the debt. I asked them for the notice again, making it clear what the notice should include, and they only provided me a copy of my loan agreement ( no mention of my rights under the FDCPA ) and again ordered me to contact them to repay the debt. In essence, they are refusing to give me the written validation notice which is illegal under the Fair Debt act. 

In addition, I have not been able to find evidence this company is licensed in MN, which is where I received the loan. If they are not licensed in this state, the debt is void.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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: Card was charged for something you did not purchase with the card

Complaint:
XXXX XXXX i was trying out traffic system, they gave me something else .So i canelout i sent to company, and i went through XXXX  i made complaint, l they refused me too give me my money back.So i went to Capitalone told them.XXXX XXXX was posted.Cancel on XX/XX/2019 i got charge XXXX plus interest fees. Company XXXX XXXX, Capitialone gave me Refund.but Capitalone rebilled me recharge me {$18.00}, for fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-25
Company: Southern Auto Finance Co
State: OH
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 requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please furnish documentation to confirm all the charges and credits with this assumed account that led to the maximum credit figure you might have showing on my document. 
SAFCO ***** Opened Date XXXX XXXX, 2015 XXXX {$10000.00}

Company response to consumer: Closed with explanation