BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-01-14
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: Old information reappears or never goes away

Complaint:
On XX/XX/2020, I went onto Equifax 's website to dispute an address ( XXXX XXXX ) associated with an account that does not belong to me. I was notified on XX/XX/2020 that the address was deleted from my credit report. Today on XX/XX/2020, I went back on Equifax 's website and seen that the address was re-inserted. Equifax is supposed to notify me within five days of the re-insertion. Equifax has done this before numerous times and never notify me when it's re-inserted onto my credit report. Calling a debt collector to " verify '' an address is not verifying. The address is not on my XXXX  report or my XXXX  report. I will file a lawsuit if they do not comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I've disputed this transaction with Transunion 3 times already, every time I call them to advise debt has been paid and I have documentation to prove it, they advise me that a dispute has been started, but actually do not start one. I have continuously asked for proof that a dispute has been submitted, and they continue to refuse to provide one. I have tried submitting disputes online as directed by Transunion, but their website never works, and I've advised them the latter. I also called the credit collection agency and gave them authorization to talk to Transunion regarding this matter, Transunion will not contact the credit collector to inquire about the debt. I have tried calling Transunion over 15 times, and i keep getting bounced from one supervisor to the next, with no action taken. I have mailed a letter to Transunion with a receipt of debt payed, still nothing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
In XX/XX/2018 I opened a checking account with capital one 360 deposited a couple checks, they froze my account then closed my account but I still have not had access to funds in the amount of {$300.00} they say my account is closed but yet refuse to send me my money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: Experian Information Solutions 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:
I tried reaching out to this bureau several times about accounts that do not belong to me and are reporting on my credit report. this information is fraudulent and i want it investigated and removed from my credit immediately!!!!!

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 2022-02-04
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Called to make an internal transfer & was told transfer happened. When I checked balance on atm next day learned {$590.00} transfer never happened. Was told had happened & am on my second phone call to get fixed as I write this.

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 2021-02-02
Company: Alliance Collection Agencies, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Over the past month approximately, I have received several phone calls from a restricted/unknown number. Each time I answered the person calling would say they were calling regarding a personal business matter and needed me to verify my personal information. 

Each time the call came in from a restricted number, I answered and I asked the caller to identify what company they were calling with or who was calling and when I asked this. They would not identify themselves, but said it was regarding a personal business matter and first needed to verify my personal information. Each time I informed them that I was not giving my personal information out over the phone unless they identified themselves. ( With 17 years working in the XXXX XXXX XXXX and knowing how scammers work, I was not giving my information to a caller who restricted their number and would not identify themselves. ) On XX/XX/2021, I received a notice from XXXX XXXX that my credit score had dropped 42 points -- that there were six new collection accounts placed on my credit report by Alliance Collections located at XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, WI XXXX. I immediately called Alliance Collection Agency and spoke to XXXX. 

I asked XXXX why they did not contact me by phone regarding this debt ( from XXXX XXXX XXXX in the amount of {$2200.00}. ) XXXX said they had called me eight times and that I refused to give them my information. I explained to her that I do not give out my personal information to callers who do not identify themselves especially when they are calling from a restricted number. I also asked her why six separate hits were put on my credit report and she said because that is how the accounts were sent over, even though they are all from the same party, XXXX XXXX XXXX. ( Because they listed it as six debts despite all being from XXXX XXXX XXXX, it had a huge negative effect on my credit score that I have worked so hard to rebuild after my divorce. ) I explained to XXXX that they called from a restricted number and then would not identify themselves, so I was not giving out my personal information or verifying it because I was afraid of identity theft/being scammed. I told her I would've gladly cooperated with them had they identified themselves because I'm currently making bi-weekly payments to another debt collector for medical bills I have incurred this past year -- all these medical bills are due to XXXX XXXX XXXX and XXXX XXXX XXXX  and losing a large portion of my income due to Covid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: GOLDMAN SACHS BANK USA
State: SC
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:
To Whom It May Concern, I have been dealing with identity theft for the past year and a half and it is a difficult and troublesome on-going issue that Im still trying to resolve. There is an on-going identify theft alert in my name with FTC. Ive also put a year fraud alert with credit companies for this entire year. Please re-open an investigation for this fraud case on my behalf. Furthermore, I have also enclosed a police report for the illegitimate charges as well circumstances that have caused the identify theft in the first place. 

Apple card issued by Goldman Sachs Bank USA has blocked me from seeing my bank statement under my apple ID : XXXX I have reported many charges which were fraudulent to them, however, they have re-billed everything that were reported. I can not see anything on my end I have no access to see what is happening to my account. However, I was afraid of interest would accrued on the card I just kept paying until I was able to reach out. They never returned my emails or phone calls and I'm left in the dark on why my fraud claim isn't resolved. 

As explained when I have reached out to them about those charges, which I can't see since my account was closed without notice, that are fraudulent due to identity fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Bank of America is closing the site where I have my safe deposit box on XX/XX/XXXX. I called to make an appointment but was told I have to come into a service center to make an appointment in order to close out my safe deposit box. During the pandemic I have limited my contact with everyone and I only want to make one trip to the bank, I was on the phone with Bank of America customer service rep on XX/XX/22 for 1 hour and 40 minutes and they could not resolve this issue, I only want to make an appointment and not expose myself or my husband, Going to the bank twice, once to make an appointment and once to close the box would require me to ask for transportation twice and this is a hardship for us as well as an added financial drain. The only resolution that Bank of America would offer was a mailing address to file a complaint. Since the bank is closing the physical location on XX/XX/XXXX, this needs immediate action. can you please offer some guidance?

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 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am writing to express my deep dissatisfaction and concern regarding the multiple unsuccessful attempts to remove fraudulent items from my credit report. Despite numerous efforts and diligent follow-up, the inaccuracies persist, posing a severe threat to my financial well-being and personal security. 

I initially reported instances of fraud previously, providing comprehensive documentation, including affidavits, police reports, and other necessary information. Since then, I have consistently followed your prescribed dispute resolution procedures, yet the fraudulent entries continue to XXXX XXXXy credit history. 

I have fulfilled all requirements, adhered to the appropriate dispute procedures, and communicated extensively with your representatives. However, the resolution of these fraudulent entries has not been achieved despite multiple attempts. 

I demand an immediate and thorough investigation into these matters. I expect the prompt removal of all fraudulent items from my credit report and a comprehensive update reflecting accurate and verified information. Additionally, I request a detailed written explanation for the persistent presence of these fraudulent entries and the measures being taken to prevent their recurrence. 

These fraudulent items not only compromise my creditworthiness but also expose me to potential financial and identity-related risks. I trust that XXXX Credit Bureaus takes these concerns seriously and is committed to upholding the accuracy and integrity of consumer credit reports. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXXXXXX XXXX Balance : XXXX} XXXX XXXXXXXX Balance : XXXX} XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {XXXX} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {XXXX} XXXX XXXXXXXX Balance : {XXXX} XXXX XX/XX/2022 XXXX XXXXXXXX XXXX Balance : {XXXX} XXXX XXXX Balance : {$0.00}.

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 2023-03-27
Company: Bread Financial Holdings, Inc.
State: CA
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:
I have had this Comenity Ulta Mastercard for a number of years. In the past year, I have noticed the payments are not applied as you submit them on the website. I pay my statement balance each month to avoid interest. But the website never takes the full amount that you request. Therefore, exposing you to high interest charges. When I notice this fact in my bank account I go back in and make an additional payment, but if I don't notice it, I end up getting charged the high interest rates. I believe it's a scam to be able to charge customers and make money fraudulently. I have called customer service multiple times and complained about this flaw, with no avail. I am cancelling the card but thought it should be documented what they do and hopefully corrected in the future.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-22
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/2022, I sent written disputes via USPS mail in regards to inaccurate late payments that are currently reporting in error on my consumer credit report. Furthermore, after 45 days with no response, I sent another dispute request on XX/XX/2022 via registered mail with USPS demanding that these inaccurate late payments be removed from my consumer report immediately. However, it has now been over forty-eight ( 48 ) days and I have yet to receive any correspondence regarding investigating my disputes. In addition, according to the FCRA Section 611 ( a ), a failure to investigate consumer disputes within 30 days gives reason to lawfully remove those items from my credit report immediately. At this point, I am filing a formal complaint due to the consumer reporting agencies failing to comply with the federal laws that protect me as a consumer. Moreover, this entire dispute process is stressing me out and the late payment error reporting is impacting my ability to obtain reasonable financing to purchase a home for my family! Therefore, I am demanding for you to remove all late payments on the accounts listed and accurately reflect 100 % on time payment history since inception of each account or I will take further action to pursue litigation. Please review attachments for the dispute requests and thank you in advance for your immediate attention to this urgent matter.

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 2023-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
Ok on XX/XX/XXXX I applied for a auto loan from CAPITAL ONE and was approved for financing for around {$42000.00}. Upon getting all my paperwork together I went to XXXX XXXX preowned super center to acquire a XXXX XXXX XXXX XXXX for about {$30000.00} mind you Im already set-up with pre approval so I was only to test drive and finalize my paperwork for sale upon sitting down to do so my credit was RE-ran several times for hard pulls without my knowledge impacting my credit significantly after they came back with separate paperwork saying that I needed to sign it and pay them XXXX dollars to off in the car once I refused saying that cant be possible and that it was illegal for them to try and do so the manager got aggravated and aggressively snatched my belongings and paperwork from my hands and immediately crumpled it and tried to force me out have complete and utter disregard and disrespect for those knowing consumer law I have over 2 hours of recording from our interaction where they blatantly lied and tried to swindle me and doing so I lost so much because of the toll it took on my credit to deal with these thieves

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: Mobiloans, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a loan online with Mobiloans.com after receiving a pre approval in the mail. The interest rates they provided to me were way less than the fees being charged now. The online site sends you to a portal showing payment plans involving 12 payments of $ XXXX   monthly to pay off a loan of {$1500.00}. I made sure I read this thoroughly understanding Id be paying {$300.00} in interest ( repaying a total of {$1800.00} ) now they are trying to withdraw {$150.00} weekly. I spoke to a representative that informed me I only had 11 weeks of making {$150.00} payment and the loan would be payed off. THIS IS NOT TRUE they have collected {$180.00} so far on a loan I took out approximately XX/XX/2019 and only {$30.00} has gone to the principal. This is a preditorial loan and would like to see what options I have. After researching their site ( not being able to find the previous portal stating I would only pay {$300.00} in interest fees ) their loans average at a 200 % + interest rate

Company response to consumer: Untimely response
Consumer complaint received 2023-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
Kind Attention : my dears at CFPB.. greeting..I submitted my judgement to bank of America XXXX XXXX state of California on XXXX XXXX, to fax and process my judgement XXXX, for more than two times, I never got reply, please by Any chance submit my documents To : [ legal procedure and court orders ] since no way I can get in Touch with the appreciate department, please find attached For your guys attention : * Plaintiff Federal Procedure 54 * Judgment statement of cost your kind attention, for my issues And concerns, will be a highly appreciated, 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 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/2022, I sent written disputes via XXXX mail in regards to inaccurate late payments that are currently reporting in error on my consumer credit report. Furthermore, after 45 days with no response, I sent another dispute request on XX/XX/2022 via registered mail with XXXX demanding that these inaccurate late payments be removed from my consumer report immediately. However, it has now been over forty-eight ( XXXX ) days and I have yet to receive any correspondence regarding investigating my disputes. In addition, according to the FCRA Section 611 ( a ), a failure to investigate consumer disputes within 30 days gives reason to lawfully remove those items from my credit report immediately. At this point, I am filing a formal complaint due to the consumer reporting agencies failing to comply with the federal laws that protect me as a consumer. Moreover, this entire dispute process is stressing me out and the late payment error reporting is impacting my ability to obtain reasonable financing to purchase a home for my family! Therefore, I am demanding for you to remove all late payments on the accounts listed and accurately reflect 100 % on time payment history since inception of each account or I will take further action to pursue litigation. Please review attachments for the dispute requests and thank you in advance for your immediate attention to this urgent matter.

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