BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XXXX is currently reporting an unverified debt to TransUnion and XXXX. In the past i've disputed this debt with the collection agency and credit reporting agencies. This account had been successfully removed from my report years ago and just recently, added back. It's also reporting a more recent account open date of XXXX, which is completelyinaccurate. This account was originally owed to XXXX XXXX in XXXX, seven years ago. Neither reporting agency has been able to verifythis debt or respond in a timely manner. XXXX has never contacted me explaining why I may or may not owe on this debt nor have they been able to validate this debt.

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 2021-03-03
Company: ALLY FINANCIAL INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2023-08-15
Company: Millco Management
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Inaccurate AmeriFinancial Solutions account reported on my XXXX credit report. Account was opened on XX/XX/2021 in the amount of {$870.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 i presented at Bank of America to deposit a check drawn in the Oklahoma XXXX XXXX office in the amount if {$3000.00}. When I presented I asked the Teller and her supervisor how long of a hold and was told until XX/XX/2022. This morning I logged in and the hold is until XX/XX/2022. Its XXXX and XXXX injured with a XXXX XXXX and BOA high jacks my funds and is dishonest about it as well. I spoke with BOA customer service who then connected me with XXXX ID XXXX she was rude condescending speaking down to me with XXXX empathy and no solution

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 2021-06-14
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account all of a sudden and they are not really willing to help me get it back. I assume that everything they did was a mistake but months had passed and I still didn't receive any help from them. The email linked to my paypal account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Capital one 360 my account was compromised and XXXX $ was stolen from my account. They refuse to help me retreave any information and closed my account and refuse to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was paying off a utility/Electric Co, XXXX  on a monthly basis. The balance was {$85.00}. It was reported and turned over to XXXX XXXX XXXX in the amount of {$120.00}. Then to another Collection Co also. I called XXXX and the tild me not to pay them, but to pay XXXX. I did. I paid XXXX {$110.00}. It took me 2 mo 's and 5 calls to get a paid receipt from XXXX. The paid receipt shows account paid at {$110.00} to XXXX only. Not XXXX XXXX  also. My account was to XXXX only. Now XXXX or XXXX won't confirm the payment to XXXX or XXXX. The account has beed paid in Full. I have a Receipt. This must be removed from my Credit report please.

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 2018-08-13
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I applied for a mortgage and found an account from XXXX XXXX on my credit. I never got any collection letters from them giving me the right to dispute the debt. So i sent a dispute letter certified mail to them on XX/XX/2018. Never got a response. Than i sent another letter to them again certified on XX/XX/2018. Still never got a response. They think that because i am a XXXX XXXX  living in this country that i do not know my rights or how to enforce them. I am having an attorney review this case to sue them for not doing their legal job and violating my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I XXXX XXXX have asked the current banking institution ( Bank of America ) to remove negative reports from the XXXX  database. 

For the past two years I have been denied opening a checking account at any financial institution. It is detrimental for me and my family. I can not pay bills on time or make purchases because I have no bank account. I want XXXX to remove this negative report. As an American I have the right to have a bank account.

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 2021-08-10
Company: EQUIFAX, INC.
State: LA
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:
Hi I have been disputing this inaccurate and erroneous information on my credit file that belongs to someone else and i have been sending disputes for 7 months an no replies from the bureaus or answers and still the accounts are reporting on my report without proof that was requested. 
according to the fcra laws they have 30 days to respond and if not they have to remove. well its been 8 months and havent received anything. 
I have sent you some letters, i have sent to many to the bureaus but if you need them let me know

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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, there was an inquiry from XXXX on my credit report. 

Following the inquiry, in XX/XX/XXXX, my credit report shows a XXXX account opened. 

I've never applied for or requested any type of line of credit with this bank/retailer. 

I contacted XXXX, on XX/XX/XXXX to request that the account be closed and they advised that if I didn't request the account, a fraud investigation would need to be initiated first before the account would be closed. 

The following week, I followed up with them and they advised that no fraud activity was detected. I believe this investigation was based on usage. No one used the account. But that wasn't the request or concern. The concern was that there was an account established in my name and social that I NEVER requested. And the account should have been closed 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 explanation
Consumer complaint received 2021-03-28
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XX/XX/2021 I received notification from Synchrony Bank Sams XXXX Card they were closing my account for " fear of failure to pay. ( Also received same letter from Amazon/Synchrony Bank ) I contacted them ( Synchrony Sams Club ) not understanding why they would do such as thing, as I have had their card for 15 years and paid in full on time every month. They sent a response letter stating they have the right to do it for any reason and see attached agreement which there was none, and now the reason they are giving is " I have too many synchrony accounts ''. I have 2 a Sams Synchrony and Amazon Synchrony. Both Sams Club and Amazon approached me promoting their cash back programs. Now when its time to pay up the cash back I earned, ( almost {$3000.00}!!! at Sams alone ) they cancel my cards. Talk about unscrupulous! .. Please help. This is so wrong and unfair. 
Sincerely, 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 2023-10-02
Company: Nelnet, Inc.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Signed up for Nelnet 's auto-debit service in XXXX following the announcement that student loans were going back into repayment. My first auto debit date was XX/XX/2023, but Nelnet did not pull my payment or process it. As a result I am now " past due '' on a payment. 

Nelnet confirmed that my auto debit was active months ago and, upon checking yesterday, XX/XX/XXXX, their web portal notified me that I " already '' had a payment " scheduled '' for the XXXX. Now today, my next auto debit is in XXXX and I am past due for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX closed my XXXX XXXX credit card without notice and without cause. I have been making my payments on time for the last 6 months and currently have a balance. There should be no reason why my card was closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
There was a XXXX XXXX  I bought a house and furniture anyway after that I had XXXX XXXX XXXX left and something I did put XXXX XXXX XXXX in a cd after shopping for some clothes and food I just was wanting someone to look at my account from before because something happened there was one time when I went in the bank and I was checking my account and I thought it's was worried because the boss of the bank was standing there and I had ask for my first print out when first got the account and told her to throw it away after looking at it and ask her to print another copy.

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 2023-01-16
Company: U.S. BANCORP
State: NC
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:
I opened the US Bank checking account in XX/XX/XXXX with promo code XXXX. 
The checking account mentions if you have direct deposit of {$6000.00} or more, i will be given {$500.00} checking bonus. I did all the requirements but still i didnt get the bonus. Its been more than 60 business days.

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 2017-12-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Capital One Auto Finance harassed me with false advertisement to discriminate me and remove me from auto financing as they send me about 10 pre-approval from Capital-One Auto Finance from serval auto dealers that include, XXXX XXXX XXXX XXXX in XXXX, however I can not locate all their advertisement but have addition a few. ( Attached as Exhibit ). 
I considered an Auto loan from Capital One because it was pre-approved and you just enter an online approval number that forward my information to the XXXX XXXX XXXX that given me an XXXX appointment at special sale event, wherein to bring copies of my pay stub, Driver License, and a bill. 
I received about 20 telephone calls from the XXXX XXXX to come with my document to pick-out an auto. XX/XX/XXXX I came into their office and submitted my documents and test drive a XXXX XXXX approved to take home with no money down. 
As my nephew ( XXXX XXXX XXXX. ) received a loan from the XXXX XXXX earlier that year for about {$21000.00} with a XXXX credit score and no driver license and some collection on his report to make unions happy, but I decided this was not the auto I wanted and sought to gather money for a down payment as the Special Finance Manager XXXX XXXX indicated my approval was until XX/XX/XXXX. 
Before I could returned in XX/XX/XXXX I received notice from Capital One and XXXX XXXX XXXX they did not want to finance as they said mu score was XXXX. Where in fact, they financing people with slow credit, no driver license and low credit score and my score was higher it was between 608 and 622. ( Attached as Exhibit ). 
These people harassed me for a year with pre-approval and telephone calls and false advertisement for over a year to come in and get an auto and once approved reversed their decision that has cause me further discrimination to remove my name from the system and worked with the Capital One, XXXX XXXX and the XXXX XXXX XXXX to implement organized discrimination and cover-up with the credit bureau. 
As you may not know As these people work with the credit cards and credit bureau and can change your score every day sometime, they have people steal your information and assist with fraudulent charges to have you close your accounts to reduce your credit score to cover-up discrimination, as they work with governments, unions and lodges as this is one of the reason XXXX has become one of the most violent city in America.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Respected Officials, I scheduled a payment to my Bank of America credit card ending in XXXX for XXXX XXXX It wasnt completed and there is no trace of that payment in their website. 

I have again scheduled a payment for XXXX XXXX 

The payment scheduled on XX/XX/2021 was for XXXX XXXX  phone bill. I had reported a problem to FCC about XXXX XXXX 

FCC Sun, XX/XX/XXXX, XXXX XXXX ( 1 day ago ) to me from : FCC <XXXX> reply-to : FCC <XXXX> to : XXXX XXXX XXXX : XX/XX/2021, XXXX XXXX  subject : Request received : Inconsistent cellular data policy marketing - Fwd : Slower data until XX/XX/XXXX mailed-by : fcc.gov signed-by : fcc.gov security : Standard encryption ( TLS ) Learn more Thanks 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 2018-08-13
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX, I received an email that I can no longer use PayPal because I was inconsistent with the User Agreement. They did not specify what I did wrong nor give me any valid reasons or solutions. I have a balance of {$1200.00} that they will not release for another 180 days. I can not afford to wait that long to retrieve my funds. This is not fair to hold MY money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-25
Company: Experian Information Solutions Inc.
State: VA
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:
I have two student loan accounts open with XXXX  XXXX XXXX in XXXX, PA. The problem at hand occurred in XX/XX/XXXX - XX/XX/XXXX. I had graduated from my university and no longer had access to my XXXXXXXX  email account. For some reason, XXXX  XXXX XXXX was only sending my bill to the XXXX  email address, even though they had my mailing address AND personal email address on file. I didn't notice until XXXX of XXXX that my account was overdue and marked delinquent from no payments from XX/XX/XXXX until XX/XX/XXXX, for 2 accounts, which would equal 16 late payments in total. Upon contacting XXXX  XXXX XXXX, they provided me no resolution and told me nothing could be done except for me paying the overdue accounts, which I did immediately. This practice is extremely unfair and has brought down my credit score significantly, for a problem with this XXXX XXXX agency, that is taking advantage of students by not communicating or providing notification through the proper channels for payment and billing. The fact that it took me 6 months to realize my account was overdue by pulling my credit is very alarming. I could only imagine how many others have faced similar problems with this agency. I have started formal disputes with credit score agencies as well, but have received no resolution on these matter as my credit still stands and these late payments will tarnish my credit score for long-term and prevent me from buying a home. I am not receiving and help or solutions from this XXXX XXXX XXXX department, nor the major credit unions on my dispute to get my credit score fixed so i can move forward. I could even pay off all the accounts in full today, so it's unfortunate that I have to suffer because of a systemic issue of this Federal student loan agency from years ago that made a big mistake and refuses to take the action necessary to make it right for someone to move on in their future and purchase a home.

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 2022-10-21
Company: ALLY FINANCIAL INC.
State: CT
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:
The account is not reporting accurately. The balance is off by {$14000.00}. Which as we both know is a very large discrepancy.

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 2022-03-28
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-04-28
Company: RELIANCE FIRST CAPITAL LLC
State: TN
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:
To whom it may concern, I do NOT accept the fact that I am continually given the run around regarding my credit report! I have verified my identity several times regarding this matter ; I have called and emailed every company that I was advised to do but nothing has been done. I have not authorized XXXX XXXX XXXXXXXX to run my credit! XXXXXXXX XXXX XXXX has distributed my report with out my knowledge & consent on these dates! XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I did not give this permission! I do not accept the previous response sent by the company on XX/XX/XXXX! I want these inquiries off!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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