BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX To whom it may concern ; RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of Dark Web identity theft. There have been accounts and services established using my personal Identification without my authorization. 
After careful review of my report, I have identified the information listed below, is the result of Dark Web theft on the affected accounts are listed below. 
I do not and have not obtained business or services under these accounts! 
You must remove it immediately without prejudice. 
XXXX XXXX XXXX  XXXX XXXX  ACCT : XXXX XXXX : {$2500.00} XXXX XXXX ACCT : XXXX XXXX : {$3600.00} XXXX XXXX ACCT : XXXX XXXX : {$7700.00} XXXX XXXX, XXXX. ACCT : XXXX XXXX : {$100.00} XXXX XXXX XXXX ACCT : XXXX XXXX : {$5500.00} There are also the below listed inquiries on my report which have never been placed by me. These need to be removed immediately : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX You have also listed several addressed for which I am not associated. Your company apparently is practicing in reporting inaccurate information and listing addresses on consumers reports that I have never lived. 

The below addresses need to be removed from my reports immediately! 

XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX NC XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, XXXX, and TU via the CFPB. Investigations have been continuous and ongoing to no avail. 

This is again a demand to remove and block such information from the report in question. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX XX/XX/2020

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 2019-09-12
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My name is XXXX XXXX XXXX, about a year ago, i had an checking account under XXXX XXXX. After i opened it, i received a letter from XXXX XXXX regarding my account had a check problem and had to closed my account. At that time i talked to one of the banker, the reason whyXXXX XXXX close my account is becasue one of the check deposted to my account, but that check is not belong to me and i never deposited. XXXX XXXX said they would do the investgation and would give me a call back. After they did the investgation, XXXX XXXX said was not my problem, but XXXX XXXX confirmed that my account had been closed, but I can open a new account at anytime. After 1 years later which is today XX/XX/2019, i tried to reopen it, but XXXX XXXX said they cant open an new account, so i asked them why they cant open for me, and they never give a reasonable reason at all, so the XXXX XXXX banker told me to call the customer service hotline, and the cusotomer service still cant answer me the question at all why they cant open account, i talked to the person name XXXX   which is the sales department manager, he told me wait for the letter for the reason and i wanted to speak with other department which can help me out, they refused me, and no matter how many i ask him, he still not helping me at all.

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 2019-09-12
Company: BARCLAYS BANK DELAWARE
State: MO
Product: Credit card or prepaid 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:
I have had a Frontier Mastercard from Barclays for several years. I have earned over XXXX points. 
I have been inactive with this card for almost 2 years due to serious eye problems that kept me from using the computer, reading clearly, or having screen time. 
After XXXX operations and XXXX doctors I am doing much better. I am now able to at least call people and read simple things with a magnifying glass. 
When I called the company for an update on my points I was told that they expired two days before I called. I called on Tuesday the XX/XX/XXXX. Seems odd. 
No amount of reasoning with the rep was successful. 
The card company has had zero correspondence with us. 
The total points that have been confiscated are XXXX, XXXX -- -about {$400.00} lost.

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 2020-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have 3 fraudulent wire transfers on my Bank of America checking account. First, on XX/XX/XXXX for {$25000.00}, second, on XX/XX/XXXX for {$4900.00}, & third on XX/XX/XXXX for {$2000.00}. I have never done any international wire transfers from my account and this was done to a bank account in XXXX to someone I have no knowledge of. My banking details were supposedly leaked as a result of a virus on my laptop, which I have since remedied. For someone who has never done any wire transfers, for these to go through, especially these big amounts, is not normal and shouldve been flagged. Bank of America said they texted me a secure pass code which I never received. I received a call asking for my call history and the virus report which they told me Id have time to get ; they denied my claim the same day saying it was my negligence. I am a victim of fraud. I even filed a report to the XXXX  and XXXX XXXX. Bank of America also wont send me the documents or the basis behind their claim. I have already consulted an attorney, & if this isnt resolved, we will be suing. And I will take my banking business elsewhere

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 2018-12-13
Company: Experian Information Solutions Inc.
State: AL
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I have never encountered such creditors in the past, never did business with them..Please remove the accounts asap XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 2021-05-27
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have had my loan open less then 2 months only had 1 payment due during this time. The first payment I made of XXXX on my account through the finance app provide from the finance company I choose the selection to apply to amount financed which also a payment was not due at the time making this an additional payment. The bank took interest out of that payment and refuses to reallocate the funds to where they were suppose to go. My current payment is {$570.00} I made my first monthly payment of {$1000.00} dollars almost doubling my first monthly payment had no issue with that cause I know finance charges must come out of the monthly normal payment. 5-6 days later I went back on the same finance application to pay another {$240.00} towards my principal I called the bank before hand to make sure it would be a PRINCIPAL ONLY PAYMENT. The rep assured me that is correct a PRINCIPAL ONLY PAYMENT NO INTEREST TAKEN OUT. Well the payment was finally adjusted on my finance and for the second time theyve taken interest out of my PRINCIPAL ONLY payment. They refuse to reallocate the money. What do I do??

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 2020-07-28
Company: XOOM CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2020. I had my {$1700.00} that was on my unemployment debit card, somehow wired transfer from a company who I have never heard called Xoom. The company send me back {$700.00}, because they said it was pending so they were able to return it. Now they are telling me that they wont be able to return my other {$1000.00}. I dont understand why they wont give me all my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: The Bureaus, Inc.
State: LA
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:
Hello, I been talking to XXXX by phone about a dispute that they reinvestigated 3 times already, the first report which was created on XX/XX/2019 as it read Account Dispute Opened We have opened your Account Dispute The dispute for the account with THE BUREAUS INC that starts with XXXX has been received and should be completed by XXXX.which at the time I submitted all documents to support my claim, that I sent a certify letter to the address that they was reporting to the and it came back returned with no forwarding address, and the finished their investigation on XX/XX/2019 that read THE BUREAUS INC Account XXXX This item was removed from your credit report. Please review your report for the details. 
Show Details | View your Report | View your credit score Deleted then on XX/XX/XXXX, THE BUREAUS INC re inserted the account back on my credit report THE BUREAUS INC has flagged your account as Collections. 
Accounts in Collections are accounts that are seriously overdue and have been turned over to a collection agency XXXX has investigated this matter twice and now the report comes back as verified or THE BUREAUS INC Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains please look into this matter as I spoke with reps of XXXX as they tell me the can find anything that says this matter was deleted from my file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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 have always paid my account on time every month thru the website that the company provided and i always receive notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified. I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: EQUIFAX, INC.
State: NE
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:
Someone try apply for a credit card in my name on XX/XX/19 and XX/XX/19. I have disputed this with XXXX XXXX which is the card application out in my name. I have been working on this almost a year now and equifax will not remove these 2 hard inquiries off of my credit report I have called every month since then, XXXX XXXX has sent over numerous documentation to Equifax and they refuse to remove this off. I have spoken with a rep from Equifax and they state they never rec 'd anything and requested that I send ss # , dr license, and other personal information not once but numerous times and every time its been a different address to sent to. The rep. with XXXX XXXX has been very helpful she wanted some information and I sent it last week I spoke with them and they rec 'd it and immediately sent it over to Equifax and asked once again to have this 2 hard inquires remove on my credit report. Equifax has been very rude about everything and dont help they state that it will take 30-90 days to have this remove. I stated NO I have done everything you have asked from me plus more and you haven't fulled you part of removing this off. I have spoken with my attorney and he states this is ridiculous again you are going through this and I said YES. I have also gone online and dispute items there too and they closed out my dispute with in days if even researching anything. My credit acccount with all 3 major credit bureaus have a fraud alert on it and still Equifax will not do anything. I have had XXXX  and XXXX  remove this off immediately never had to do with I have to submit to Equifax. All Im asking is if you cant have this remove this fraudulent reporting off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: ALLY FINANCIAL INC.
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX XXXX, Ally sent me a notice that I ( as a non-spouse beneficiary ) was entitled to receive an inherited traditional IRA ( number XXXX ) b/c of the recent death of my XXXX ( XXXX XXXX XXXX XXXX. 

In its mailing, Ally stated that I could create an account for myself at Ally or that I could do so at another institution. But, when I elected to do so at another institution, Ally created endless hurdles of confusing forms and contradictory written and spoken instructions. Ally Bank is wearing me down with red-tape. 

The funds remain at Ally despite that fact that I filled out their form ( precisely obeying Ally instructions ) directing them to send the funds to my institution. I supplemented that with a hand-written letter. 

I have hard-copies of all documents. I do not have scanning capacity at the moment.

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 2020-11-20
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:
Greetings, I sent my round of letters to the credit bureaus because I have inaccurate information on my credit report that is affecting my score, and I want to solve this the fast 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 explanation
Consumer complaint received 2019-09-12
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: Their investigation did not fix an error on your report

Complaint:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX, XXXX   and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12
Company: Resurgent Capital Services L.P.
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:
I do not have a signed contract nor any contract with LVNV Funding LLC. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX XXXX XXXX XXXX. I am not responsible for this debt with LVNV Funding LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: World Acceptance Corporation
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 called and sent a police report into the creditors and I am still being accused of these accounts. I have no idea of knowledge of these accounts. This is really hindering me of applying for credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
From XX/XX/XXXX to XX/XX/XXXX, I was co-owner of a XXXX XXXX XXXX in XXXX XXXX, NJ. XX/XX/XXXX, my then business-partner bought me out and effectively terminated any connection with the company. Around mid-XX/XX/XXXX, I received a phone call from Chase Bank saying that I owe them money on a business credit card. Upon my own investigation, it turned out that my ex-business partner continued to use my credentials for his benefit, and was using my name and other details for the business credit card. I found this very impossible since I did not physically leave the card with him and never authorized him as another user even while I was part of the company. I asked Chase Bank to mail me the credit card statements three times, once in XX/XX/XXXX,  once in XX/XX/XXXX, and once in XX/XX/XXXX - but never received any. I filed an Identity Theft Complaint with the FTC in XX/XX/XXXX. Between XX/XX/XXXX to XX/XX/XXXX, I kept on attempting to contact my former business partner until he gave me a copy of an AFFIDAVIT OF TRANSFER OF RESPONSIBILITY, which he had notarized. The said affidavit was notarized on XX/XX/XXXX and was supposedly mailed by my ex-business partner to Chase Bank. Between XX/XX/XXXX to mid-XX/XX/XXXX, I never received any updates from Chase, neither did my ex-business partner. Finally on the mid week of XX/XX/XXXX, Chase called me again and said that they are still waiting for payment on the credit card ( totaling over {$22000.00} ). I told the Chase rep that I had already filed an Identity Theft Complaint with FTC. I also asked them why I never received any billing statements when I requested for them. It turns out, my ex-business partner called Chase back in XX/XX/XXXX, just after the initial call, and changed the mailing address to his own - information that was relayed to me by the Chase agent. I checked my credit reports across XXXX, XXXX and XXXX and was surprised to see that Chase reported a lower balance online ( {$18.00}, xxx ) compared to the final bill ( over {$22000.00} ). I  finally received a simplified billing statement and not the detailed monthly statements I requested from Chase, around last week of XX/XX/XXXX. Chase never cooperated with my requests to 1 ) Immediately send me a billing statement so I could do my own investigation on the matter ; 2 ) cooperate in determining best course of action since what happened was clearly a case of Identity Theft. Chase also reported 2 completely different amounts that they want to collect from me- 1 ) {$18.00}, xxx reported on 3 credit bureaus, and 2 ) {$22.00}, xxx reflected on the bill they sent me, as well as being verbally confirmed by a Chase agent during the last phone call in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
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:
Portfolio Recovery Account # XXXX Debt Collection Agency {$360.00} DELETED BEFORE AND RECENTLY REPORTED ON MY CREDIT REPORT AGAIN, WITH THE WRONG INFORMATION. ACCOUNT WAS NOT OPENED WITH XXXX  XXXX OR PORTFOLIO RECOVERY XX/XX/2017. Predatory and false reporting.

Company response to consumer: Closed with explanation