BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been experiencing issues with XXXX. XXXX  regarding an alleged debt that they have been reporting on my consumer report. The debt amount is listed as {$1500.00}, and I have been disputing its validity since XXXX of XXXX. Despite multiple attempts to request verification of this debt, XXXX. XXXX has not provided any supporting documentation to prove its validity. 

On XXXX, I sent my XXXX and final letters to Experian XXXX XXXX. XXXX, requesting proof of the alleged debt and how they determined it meets the requirements for reporting. However, they have continuously disregarded my letters and have persistently reported the debt to my consumer report without providing any verification. Additionally, I successfully submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ) complaint # XXXX about this unverifiable debt approximately a month ago. Logged in to the CFPB portal today to check the status but somehow my complaint can not be found. XXXX. XXXX has continued to report the debt three more times within a two-week period. The most recent update was reported on XXXX, XXXX and XXXX I believe that XXXX. XXXX  ' actions are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Their failure to provide adequate verification and their continuous reporting of an unverified debt have negatively impacted my creditworthiness and caused unnecessary distress. 

I am seeking resolution in the form of a cease reporting, where XXXX. XXXX immediately stops reporting this unverified debt to my consumer report until they can provide adequate proof of its validity. I request that they comply with the FCRA and FDCPA regulations to ensure accurate and lawful reporting practices. If they fail to cease reporting within a reasonable time frame, I request that appropriate fines be imposed on XXXX. XXXX, amounting to {$1000.00} for each day the unverified debt remains on my consumer report. 

Thank you for your attention to this matter, and I hope for a swift resolution to address these violations. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX Email : 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 2023-08-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I attempted to increase my ATM withdrawal amount on XX/XX/2023, without luck. I called USAA to inquire why and was told it was part of an algorithm. I continued to log into my account to increase the ATM withdrawal amount over the next few days. I continued to have issues accessing my money. On XX/XX/2023, I called again to inquire about my ATM withdrawal limit. They still can't remove the hold or increase the limit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My claim # with bank of America # XXXX XXXX XXXX During covid i received my unemployment from XXXX on a debit card from Bank of America. Because of their failure to implement basic securities measures as stated in class action lawsuit among other reasons, they lost and ha d to pay {$220.00} XXXX, I was defrauded {$11000.00}. the lawsuit was filed in the US District court of California. Bank Of America Unemployment litigation Case # 3.21-md-2992-LAB. Sometime ago I sent complaint many times which were declined. Not long ago time amoneygo i found out that people got their money. Some because the media was involve, others because of the class action lawsuit. Time are becoming so very difficult, living a such low SS as expenses are rising all the money is important. Bank of America took the shortcut and is responsible for the lost of the citizens and should give it back, like they did to the other people.

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 2023-08-23
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Marcus / Goldmans Sach closed my account because they suspected fraud. After verifying my information, they still closed my account. The investigation took several weeks to resolve and I didn't have access to my money XXXX + During the time that I didn't have access to my money, interest was never paid out when the balance was sent to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
I would like these inquiries deleted because I did not authorize any of these companies to run my credit via written nor verbal.

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 2023-03-14
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I paid {$4300.00} to ULTA/Mastercard ( Comenity Bank ) phone payment. 
I closed my account and I was told there could still be a balance for interest and fees. I stated I understood. 

I never received a notice of a balance. 
On XX/XX/XXXX. I called to inquire about a balance I was told they updated their system they can not see or tell me anything about my account and that I should try back at a later date. 

I called back in XXXX XXXX was told I had a balance of {$43.00} dollars I requested a statement. She said a statement is being mailed out. 

Fast forward. I received an alert on XX/XX/XXXX from XXXX that comenity bank reported that I owed a balance of {$170.00} dollars. 

I had tried to talk to dispute this with Comenity they hung up on me if I do not pay but they continued to call me nonstop. 

Finally, I sent a certified letter XX/XX/XXXX explaining that I would no longer speak to them and that if they wanted to talk had to do it through email because they are not trustworthy. I informed them that I was filing a complaint against them. 
After I sent they received my certified letter they sent a bill for those trumped-up charges and reported again to the credit bureaus that I now owe " {$290.00} on a loan I did not pay back '' Which is a lie. 

I am disputing these charges because a balance of {$43.00} turning into a {$290.00} dollar is madness. 
I can provide proof that I have always paid my balances off since having my credit card. I have my bank statement from XX/XX/XXXX showing I paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-23
Company: Data Mortgage Inc.
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Their payment system was down from XXXX On the morning of XX/XX/2023 we paid the mortgage payment that was due for XXXX. 

As of XX/XX/2023 their platform states the payment is still pending and we're receiving late payment notices in the mail from them. 

However, this is not the most frustrating part ( though it is concerning. ) We've attempted to contact them at least XXXX times ; once via email, and multiple times via their numerous " customer care '' numbers. These numbers all lead to an infinite loop in which you are asked whether you want to wait on the line or receive a call back. 

If you select wait on the line it routes past to a survey then hangs up on you. If you select a call back the call never comes. I've tried to get ahold of someone through every extension offered ; it is intentionally designed so that anything that can not be handled automatically is routed to the dead end ( XXXX ) We have never missed a payment or made a late payment and now we fear due to this company 's unscrupulous/non-existent customer care ; it will create trouble for us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX, 2017 my credit score dropped with XXXX for no reason without explanation per XXXX XXXX. My equifax score has dropped from XXXX to XXXX for no reason. XXXX XXXX is either reporting inaccurate information or the 2 credtit bureaus are making mistakes that suits them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: ZWICKER & ASSOCIATES
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
ZWICKER FAILED TO RELEASE 2 JUDGEMENTS FROM MY RECORD, CASE NO.
XXXX XXXX XXXX, IN THE AMOUNT OF {$12.00}, XXXX AND {$2.00}, XXXX. THE LESSOR JUDGEMENT INVOLVES AN ERROR IN REPORTING OF {$2.00}, XXXX, SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: The CMI Group, Inc.
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:
XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX Past due balance in the amount of XXXX Also attached to the address XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX opened XXXX XXXX in the amount of XXXX XXXX XXXX XXXX XXXX amount for bill XXXX have no knowledge of any of these accounts having my permission to have been opened. 

Not only did I not open this account I have also never stayed at the address listed.I have tried calling the creditor along with XXXX, nothing has changed I would like for this to be removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have made all my payments within the month of requirements. I was not late over 30 days for any month I was working. If they are correct which I doubt because my loan payment is up to date. I am asking of goodwill to please fix as I may have had a hard time and wanting to change my job so it may have went pass the date required. Over all Im grateful and want to have better credit for when I return for another toyota.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX my account was hacked and has been restricted since then. After speaking with the security department, I was told that someone was able to access my funds by knowing confidential information that only Navy Federal Credit Union employees has knowledge of ( I.E. code name, online banking username/password, debit/credit card info ). 
I was instructed to complete a Fraud/Forgery form and return it ASAP. The document was sent to NFCU on XX/XX/XXXX but they did not " receive '' it until XX/XX/XXXX. Absurd. I was told that it could take up to 10 business days before receiving my funds. Each time XXXX contact NFCU and request to speak with a supervisor, there are none available. No one is able to provide me with any updates with my account, and it is going on nearly a month since this situation has transpired. I need my funds released to me immediately. It is unfair that I have to be in a financial bind for WEEKS due to lack of security within this company! My bills are past due, and I have nothing! I need this problem fixed as soon as possible or the next step will be legal. I have been patient enough. I trusted NFCU with my funds, and they allow someone to take it within seconds yet I have to wait until the investigation is over. I have never gone through a situation this severe with any other financial institution, and they must be held accountable. 

Below is the fraud activity that took place : XX/XX/XXXX XXXX XXXX XXXX XXXX  {$510.00} XX/XX/XXXX XXXX XXXX XXXX {$120.00} XX/XX/XXXX XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$720.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2500.00} XXXX XXXX XXXXXXXX XXXX {$600.00} XXXX XXXX XXXX XXXXXXXX {$600.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$600.00} XX/XX/XXXX XXXX XXXX  XXXX {$600.00} XX/XX/XXXX XXXXXXXX XXXX XXXX {$400.00} XX/XX/XXXX XXXX XXXX XXXX  {$750.00} XX/XX/XXXX XXXX XXXX  {$43.00} XX/XX/XXXX XXXX XXXX XXXX  {$750.00} XX/XX/XXXX XXXX XXXX XXXX {$510.00} XX/XX/XXXX XXXX XXXX XXXXXXXX A XXXX {$4200.00} XX/XX/XXXX XXXX XXXX XXXX {$4200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7500.00} Someone also attempted to take out a student loan with NFCU ; however, I was able to stop the application process before funds were dispersed to the school.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: VA
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 sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 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 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 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 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 2023-07-23
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Declined transaction on XX/XX/2023 approved XX/XX/2023 after I paid XXXXXXXX XXXX  XXXX XXXX and a travel check XXXX from Truist to get my Car back on XX/XX/XXXX. XXXX claims they did not receive the partial payment XX/XX/XXXX of {$3000.00} XXXX. And Truist will not give me my {$3000.00}.

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 2022-01-28
Company: EQUIFAX, INC.
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:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. 
I m disappointed! I dont know how to delete it from my name I dont understand why you put this negative information on my account. 
Im sure that someone used my personal information and applied for it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I went through a hard time in my life, I lost my job and I was spending the bulk ok my money on my family and making sure we survive. So I had to get my loans refinanced and this was part of the refinance but XXXX XXXX University keeps reporting some ridiculous amount of 120 day late payments. It's being reported to all three bureaus XXXX, Equifax, and XXXX. It is killing my chances of getting a home. I have repeatedly called them and sent goodwill letters to try to get to update the late payment history on this loan account. I will attach a picture of my payment history that shows me refinancing it and being current ever since. And I would truly appreciate this and would be able to put my family in a better situation. These 120-day late payment that are still reporting are truly killing my score and chances of bettering my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I been contracting capital one for 5 months they do not take my called The bumper they have on file XXXX when I put my social security number in the phone hangs up on me and every number I XXXX does the same thing so I can not work out a deal with capital one because they are making it impossible for me to get in contact with them my balance with capital one was only {$800.00} and they are reporting {$1400.00} they are charging me 56 % interest my credit card was only for {$1200.00} If capital one does not want to speak with me they need to take this account off of my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I pulled my credit report and saw that the wrong address is on there for my current address.

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 2023-07-19
Company: MOHELA
State: MO
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:
Hi, I am on the IDR plan ( REPAYE ) to repay my federal student loans. I was with XXXX and then transferred to MOHELA last year. At the time when I was with XXXX, during the COVID forbearance period, XXXX had emailed me to tell me it was time to recertify my income even though no income recertification was required since it was during the COVID forbearance period. With XXXXXXXX XXXX incorrect guidance, I recertified my income online on XX/XX/XXXX  which resulted in a much higher payment compared to the previous year. I should not have to pay the higher payment due to my original servicer ( XXXX ) providing me with false information. It is unfair for me to be punished with an almost 5x higher payment because I was trying to do the right thing and follow their guidance. I should be provided with the same benefit afforded to everyone else as no one was required to recertify their income during the COVID forbearance period. I have tried to call the new service provider MOHELA but the call has not been successful. I have searched online and seen that others have been able to undo their income certification so I was hoping I could get that courtesy extended to me as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief