BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-02
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I opened this XXXX account many years ago. I paid it off when I moved overseas. While living overseas `I was a victim of identity theft. I made several attempts to contact this company while overseas but to no avail. I even ended up paying most of the outstanding balance which was not my collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Please note that on XX/XX/2020, BOAincorrectly debited my EDD debit card for {$16000.00}. 
I filed a complaint against BOA with CFPB. 
Then, in XXXX of 2020, BOA credited my EDD debit card for {$11000.00}. 
BOA still owes me {$5000.00}.

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 monetary relief
Consumer complaint received 2018-03-02
Company: AVANTE
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My partner got a phone call on XX/XX/XXXX at XXXX XXXX ( 4 min ) from someone pretending to work for a collection Agency ( XXXX ) saying she owes {$650.00} from XXXX XXXX XXXX. She told them to send information to her address. She got another phone call on XX/XX/XXXX at XXXX XXXX ( 2 min ) from XXXX ( XXXX ). The agent told her she owes {$150.00} emergency room medical bill due to her visit to XXXX XXXX XXXX XXXX two weeks ago. She told her it's not true and they have to send the bill to her address, she asked if they have the correct address but the agent hung up the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: Experian Information Solutions Inc.
State: MD
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:
On XX/XX/2020. I mailed a letter to experian demanding that the XXXX XXXX account be deleted from my credit file immediately because the balance and date of last payment is currently being reported inaccurately. The balance is incorrectly being reported at {$150.00} and the Date of last Payment is being reported as XX/XX/2020. BOTH OF WHICH IS NOT TRUE ... ..NOT ACCURATE ... ..THIS IS FRUSTRATING!!! At the conclusion of Experian 's investigation, on XX/XX/2020, Experian has chosen to let this inaccurate information remain on my file and continue to report this negative/inaccurate information in spite of me sending in physical proof.

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 2023-02-21
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I received a legal letter from my county court that they will collect from my wages and Ive called multiple times on this debt and never call back. I rather deal with this on my own thats collecting from my work wages I will attach legal forms sent to me today XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a new capital one 360 checking account to earn the {$400.00} bonus. I completed all of the requirements. One day, I used my wife 's phone to sign into my account, or tried to, since I didn't have the password saved on the device I was using I made multiple failed attempts to sign in and they flagged it as " unsecured '' and told me the security of my account had been compromised. I tried to call to explain and regain access to my account, but they instead closed my account. The whole situation didn't make any sense, I filed a complaint previously, but there is a new piece. They deposited the {$400.00} bonus into my account and I am able to see the funds in my account. I even receive monthly statements, for several months now. They are refusing to give me money that belongs to me, that is in my account, and is even earning interest. I've called many times, but they refuse to send me a check.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: Blockchain.com, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I generated a wallet ID and sent it over to my brother to transfer some XXXX. I never received money, even though the transaction was completed on my brother 's side. I reached out multiple times to the company and received no feedback.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: ALLY FINANCIAL INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. There has been unauthorized used of my information and credit report. 

ALLY FINCL Bal. {$20000.00} Acct # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my Debt. I sent out a Debt Validation letter via certified mail.

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 2020-05-20
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I was written a bogus check by a company named XXXX XXXX XXXX and XXXX XXXX, XXXX in the amount of {$4800.00} with the Suntrust Bank logo. My bank, XXXX XXXX  XXXX approved the check and then cleared the full balance the following day after I deposited it. Then the third day, my bank reversed the balance for insufficient funds. In the mean time, someone had deceived and scammed me into wiring someone {$1500.00} through XXXX and then had me purchase {$2700.00} in money orders through the united states post office. By the time I sent all the money I was instructed to send, the bank then takes part of the funds I had saved in my business account and it demanding that I pay the full balance of the {$4800.00} in which I still owe {$3300.00} of. I called Suntrust bank, and was helped by BB & T bank. I was told that Suntrust and BB & T bank are not merged into a new name XXXX XXXX. BB & T gave me a case number and when I called to follow up on my conversation, another rep told me that those case numbers are not valid and that she didn't know what number that was I was given. I was then told I needed to talk to my bank, XXXX  XXXX XXXX and that they were the ones who would have to get in touch with them about the check, not me. I called XXXX XXXX XXXX to tell them this, but nothing was done by either bank to assist me in any way.

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 2020-11-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Account has been open fraudulently. This account is affecting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: EQUIFAX, INC.
State: VA
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 or before XX/XX/2019 this company purchased an old Business Debt/Loan from XXXX XXXX that our XXXX had acquired. Now they are harassing for payment and has decided to place it on my personal credit report. 

Also, on XX/XX/2019 I notice there's a credit report inquiry from this company. I didn't grant permission to this company to pull a credit report. This is illegal. I also have just recently seen that I have a new derogatory mark on my Equifax and XXXX  credit reports. 

Account Number - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: EQUIFAX, 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:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX  # XXXX, XXXX XXXX  # XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: JPMORGAN CHASE & CO.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2018 Chase Credit card company keeps calling me every couple of hours about a debit I owe them. I have already set up a payment to pay off the partial debit that is owed of XXXX I told the latest agent that called to please stop calling and they said that they can call how ever often they want to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: Experian Information Solutions Inc.
State: MA
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 complaint against Experian regarding a item I have disputed on my credit report numerous times..My most recent dispute was received with the results from Experian on XX/XX/2020 ..Account XXXX from Child Support Enforcement Status Remains Unchanged and Information received Certified.The account is listed as Negative /Derogatory. I spoke to New York State Child Support Enforcement and they said this account was not reported to the credit bureaus because I never had a balance or a past due amount..the account was transferred from another state South Dakota thru interagency communications to New York by error and then almost within a month transferred back to South Dakota from New York per their request..then the account was closed with XXXX balance in New York..New York State sent me a statement showing XXXX original balance and no balance due or late..I submitted this information to Experian but they keep reporting on my Disputes that the State of New York is verifying it was a ChargeOff /Collection and Derogatory.

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 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
TransUnion insists that I am lying to them about my current problems with filing a dispute with them. They tell me that there is not two websites to file disputes ( one that DOES NOT support documents, and the other that DOES ). The one that does support documents has errors on it saying that I still have a outstanding item from XXXX that will not allow me to submit a dispute with documents. I was told that is impossible and that they do not see anything on their end. I have contacted 6 different people through 4 different numbers for TransUnion. All of which have either pointed fingers at other departments, or me. They also told me that I can submit a dispute on the website that DOES NOT support documents, and add them within an hour of filing said dispute. This was a lie and just lead to more headaches and the supervisor telling me that it is not the case. She then told me that there are buttons to add documents ( which there are not ) on the service.transunion.com website, that there was not a second website ( onlinedispute.transunion.com ), and that I only have 1 hour to submit documents while in the process of filing the dispute, not after. This still has not resolved the fact that they  could not see my current dispute, nor that the website I need to use to submit documents on to support my case still has N/A in certain fields and says that it was initiated on XXXX. They still say that it doesn't exist or there are no problems with my account or the site. I have not had a single issue with disputing any of the information I want to dispute with other credit 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 explanation
Consumer complaint received 2020-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I have a prepaid card through BOFA. I live in California there were several withdrawals in XXXX XXXX Nevada until my Account was drained. XX/XX/XXXX {$480.00} XXXX/XXXX {$480.00}. XXXX then {$460.00}. On XX/XX/XXXX XXXX {$460.00} and {$480.00} was withdraw!! Not one time did they alert me. They said they would Reembuirse me. Its been 30 days. Im will be homeless soon. They keep giving me the run around. Its obvious it was FRAUD. Ive been on hold for Over 39 hours between 5 days. They there was a glitch. Im a REAL PERSON. MAYBE {$2300.00} isnt a lot to some people but thats all I had. 30 days waiting now they say it will be another 45 days. This can not be LEGAL. HOW can they hold my money HOSTAGE????

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 2020-05-20
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:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 
INQUIRIES : 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 XXXX XXXX XXXX XXXX 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 2020-05-20
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:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. 
INQUIRIES : 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 XXXX XXXX XXXX XXXX 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 2019-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As of XX/XX/XXXX I have sent all 3 credit bureaus letters requesting proper validation and verification of what appears on my credit report. Bank of America continues to show this as a revolving account, but I do NOT have this account. It was supposedly opened on XX/XX/XXXX. I want this bank to show proper validation per guidelines that this account belongs to me.

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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
t is clear that I have no association with them and they are causing significant harm to my credit score.

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 2017-09-21
Company: CITIBANK, N.A.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have two issues on my report that are incorrect. 

Citicards XXXX Acct XXXX - this is not my account. I have tried to have this removed before. I do n't know who it belongs to but someone is obviously paying it. I just need it removed from my social security number. high limit {$30000.00} monthly payment {$110.00} Account Header Balance XXXX Derogatory Info - XXXX XXXX - I do not owe them anything and have never been late so this needs to be removed from the Derogatory section of my report. XXXX XXXX XXXX monthly payment 0 Header balance 0

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 2017-09-18
Company: Santander Consumer USA Holdings Inc.
State: NY
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 contacted Santander trying to remove this account from My Credit report for years they refuse. I have advised them I am a victim of identity theft and requested proof this account indeed without a doubt belongs to me and they fail to do that. The only thing they have sent me is proof of the payments made to the car which does n't prove this debt or account indeed belongs to me.i demand proof such as copy of my drivers license, passport, state issued id, social security card etc documents providing I opened this account personally. I even tried to settle this account even though I do n't owe anything to them and they refuse to remove the account even after payment. This is t correct and someone needs to put into place my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose. 
J.

Company response to consumer: Closed with non-monetary relief