BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-05
Company: Rhodes, Kelly Assoc Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted the original creditor XXXX XXXX and spoke to several reps there. I was informed that Rhodes Kelly was not instructed to report this account to the credit bureau. Therefore it should be removed from my credit report immediately and sent back to XXXX XXXX. My second issue is XXXX XXXX provided an itemized bill to Rhodes Kelly, I did not authorize them to send my information to Rhodes Kelly Associates. This information should've been sent directly to me. There was no need for them to review this information this is PHI and is a HIPPAA violation. If they have some sort of agreement with Rhodes Kelly I was not made aware of it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened checking account with TD Bank branch in XXXX, CT in XXXX of XXXX. Promotion indicated I would receive {$300.00} if I were to have direct deposit over a certain amount within 30 days of opening the account. 

When I asked for a direct deposit form from them with my new checking account numbers they mistakenly gave me the wrong account number and subsequently my first two paychecks in XXXX of XXXX were deposited to the wrong account. After many calls from me they identified and corrected the problem with the deposits and put my paychecks into the correct account but never gave me the {$300.00} because I didn't have direct deposits within 30 days even though this was their mistake that they provided the incorrect account number.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-01
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
A few years ago, I opened an account with BBVA Online. However, the documents they requested did not get to them on time so they closed my account and locked online access.

A month ago I opened a new BBVA account. This last month I had nothing but issues with customer service and online support in getting my online access profile unlocked.

I have spoken with countless employees and no one is able to help me - one even suggested that I fax in my id, ssn card, and other personal documents to BBVA - which I have done. Still, I have not received a solution with this.

The last call I made, I was on the phone for an hour - and I was purposely disconnected.

All I know is that someone in BBVA had locked my profile from a few years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Conduent Incorporated
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My account is locked i have not been able to access my account details at all never have i been able to since the start of recieveing benefits i call and get no response i stayed on hold for 3 hours and got hung up on twice never can get a live person to speak to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Hello collection # XXXX was removed XXXX and XXXX, but wasn't removed from Transunion, I already sent identity theft report to you all, stating this isn't mine and also investigation results shows different balance one shows {$6900.00} and one says {$7100.00} ( see attached ). I also was denied an auto loan because of this I need this collection removed from my consumer report immediately thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
Company: EQUIFAX, INC.
State: MN
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:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax. Please block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
First off I tried to choose the best options as possible basically the account I'm referring to went to default when my mother filed chapter XXXX bankruptcy as the cosigner putting this loan and immediately in the default given at the time I know that this was valid yet in my opinion of sketchy practice of the private student loans. 
As of recently they can no longer immediately go after balances or put these loans in immediate default when it cosigner files for bankruptcy as new laws passed in XXXX via Congress. The purpose of this complaint is mainly to get the charge-off removed from my credit report as I was in good standing but this is also part of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fiasco that's going on and I'm trying to settle with them at the same time but I feel via as that the charge-off account should be removed as it was a drastic measure and I was in good standing 4 months on months at the time. 

I feel for the time being at minimal the charge off that happened in XXXX of XXXX should be removed from my credit from all 3 bureaus via XXXX   XXXX XXXX. 

As I stated there are new laws that were passed by Congress that protect private student loan borrowers to where the servicer can no longer immediately placed alone in default due to the cosigner filing bankruptcy and I would be happy to supply that documentation if needed to show those laws that were put into place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have repeatedly contacted Bank of America to retrieve my money {$5000.00} I processed through XXXX. They have denied my claim citing they are unable to recover my funds. Bank of America encourage you to use XXXX and when you pay someone for goods and not get them, they are unable to get your funds. I strongly feel that Bank of America is not trying enough to retrieve my money. I was contacted by XXXX XXXX that she is selling her travel benefit with XXXX XXXX that i can use for a year and pay reduced airfare. My sister is terminally ill with XXXX and i travel often to go see her in XXXX. I sent her {$2000.00} onXX/XX/XXXX, {$1000.00} onXX/XX/XXXX and {$2000.00} on XX/XX/, for a total of {$5000.00}. I was supposed to start using benefit in XX/XX/XXXXand i have attempted to communicate with her via calls, text and voice messages but have been unsuccessful getting any response from her. Bank of America are in partnership with XXXX and encouraged me to do transactions using XXXX but are not willing to work with other banking institutions to recover my funds due to been a the victim of scam/fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: The Outsource Group, Inc
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a bill from collections saying we owed a past due bill which we never got statements for after the first few months. Paying this was NEVER the proble. The problem was, they put our address on the bill incorrectly which I have proof of. This is a clear violation FDCPA. If we would have got a bill of what our final balance was, it would've been paid. The collections company and the hospital BOTH agreed we had the wrong address on file, and refused to fix the negative 30 day mark received from this. If an error occurs by the hospital or the provider, this must be fixed and my credit bureaus updated. They have me living in XXXX XXXX MO and I live in XXXX XXXX MO. Please see the address at the bottom of the collections bill that I have uploaded as 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 2023-06-24
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
My XXXX a XXXX XXXX, and I have been paying {$620.00} nearly every month for the last XXXX years. Some months I have asked for an extension because it becomes too much to keep up with other bills as I have XXXX kids. Its about XX/XX/XXXX when they approve or deny the requests for an extension stating that I have not paid enough on the car. When I check my paid balance on the car loan it says to date ( XX/XX/XXXX ) {$2100.00}. To date, I have paid {$20000.00}. They say I still owe {$24000.00} on an original loan for {$26000.00} for a used XXXXXXXX XXXX that was already over XXXX XXXX XXXX when I bought it. This is predatory lending. When I ask for financial help with the company, I am denied half of the time because I havent paid enough on the car but Ive paid nearly my entire yearly salary since purchase. This is a scam.

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 2022-11-04
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
On XX/XX/XXXX I submitted a letter to the XXXX credit agencies known as XXXX, XXXX and Experian. As of today XX/XX/XXXX, I have yet to hear from Experian. I heard from XXXX and XXXX. They deleted some of the incorrect information ; however my credit report is still inaccurate. As a result, according to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Again I mailed these letters on XX/XX/XXXX and I have yet to hear from Experian. Therefore I am asking that they delete all of the accounts that I inquired about. I have enclosed parts of my credit report to show the inaacuracies that are still being reported. 

Exhibit A The past due amounts are clearly incorrect. XXXX is reporting that {$65000.00} is past due and Experian is reporting that {$140000.00} is past due. 

Exhibit B The circles represent all of the inaccuracies. In regards to the payment history, XXXX is reporting that the account was charged off starting XX/XX/XXXX. However, Experian is showing that the chargeoff started XX/XX/XXXX. Also all XXXX of the agencies are reporting that the balance due total is XXXX. However, I am receiving letters from XXXX stating that the balance due is {$12000.00}. XXXX  has been harrasing me about a balance due when clearly the due balance is XXXX. 

Exhibit C XXXX is reporting that I have no payments on the account under payment history. However, Experian is reporting that I started making payments in XXXX of XXXX, This information is inaccurate. Also please keep in mind that XXXX deleted this account because it is inaccurate. 

Exhibit D XXXX is reporting that this account was paid on time starting XX/XX/XXXX and was charged off starting XX/XX/XXXX. Experian is reporting that this account was paid on time starting in XXXX of XXXX and charged off in XXXX of XXXX. This is clearly inaccurate. XXXX is showing that the account was paid on time in XXXX of XXXX but Experian is stating that it was charged off by then. XXXX is stating that I made no payments on this account which clearly contradicts everything

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 2023-01-09
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
Incorrect address is reporting. Tried to remove and dispute it but it is still there.

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 2021-06-24
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have tried ( and failed ) to remove several late payments from a closed, paid-in-full account that had previously been jointly held by myself and a cosigner. After the student loan account was transferred from XXXX XXXX, AES made it extremely difficult to keep track of automatic loan payments during forbearance and we would often not find out that we hadn't made the payment until we were contacted by debt collectors. 

Since then, the account with AES has been closed and paid in full, and I have not had another late payment on any account in my name. 

Payment dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2016

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi, My name is XXXX XXXX and I would like to share an occurrence that happened to me while conducting business with Bank of America. I hope that you are able to help me investigate my claim further because Bank of America has stated that I can no longer file any additional claims regarding my case. I really hope that you can help me. 

XX/XX/XXXX I went to Bank of America XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX to deposit {$5000.00} in cash. The branch was not open so I used the ATM machine to deposit my cash. The ATM ID is XXXX. My ATM card and cash were inserted into the ATM. The machine jammed as it was counting the cash I inserted. I called customer service to file a claim. I was on the phone with customer service for 40 minutes and stood in front of the ATM for the duration phone call. I was told that the machine will reset itself and my ATM card and cash would come back out after 15 minutes. After the ATM reset, only my card came back out. The cash I deposited did not come out, nor did any receipt come out. I was told by customer service not to worry, and no more money could be inserted into that machine until the machine was looked into by BOA. I was issued 2 temporary credits. The first credit was issued immediately for {$300.00}, and the second credit was issued for {$4700.00}. 

XX/XX/XXXX I received a call from BOA telling me that my claim has been denied. I escalated my claim and it was denied again on XX/XX/XXXX. I was told that after further investigation, it did not appear that my body language appeared as if anything was wrong when I was using the ATM, and also that no additional funds were found after auditing. After the credit was denied again and having the temporary credit revoked, my checking account now has a negative balance. After some review, the bank only rescinded the second temporary credit of {$4700.00}, and did not rescind the first credit of {$300.00} which I thought was weird. BOA is saying that I have to bring my account back to a positive balance by XX/XX/XXXX. If not, the negative balance would be sent to collections. I have been in touch with customer service every 2-3 days since, and I was finally told that I could not file a claim or escalate this case anymore. 

I hope that you are able to help me investigate my case further, as {$5000.00} is a lot of money for me. I am also not doing too well financially and I hope that you can help me look deeper into this case. I trusted the bank I was using, I used the ATM according to BOAs guidelines, and I was on the phone with someone during the whole process and followed the guidelines, but now I am out {$5000.00} from using BOA. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Spoke with Capital one on XX/XX/2018, XX/XX/2018 and XX/XX/2018. I have a fraud alert on my credit report, capital one has yet to contact me to verify the alert during a recent request in a credit limit increase. The credit limit increase was initiated and is pending a response since XX/XX/2018. Due to the nature of the situation, with a fraud alert, someone should of contacted me sooner. Instead i've made numerous attempts with no representatives to assist. This is negligent on capital one 's behalf, someone could be using my identity or possibly committing fraud in my name. And a week has passed without capital one verifying any information. This is irresponsible of capital one and unacceptable to consumers like myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
Company: EQUIFAX, INC.
State: FL
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: EQUIFAX, INC.
State: GA
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 have made several attempts to rectify this matter with XXXX and Equifax. I have notified them that the XXXX XXXX account do not belong to me. This account was opened as a result of identity theft. I have asked them to send me proof of my signature and they have not. I need your assistance in getting this account removed from my credit file. This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX # XXXX, XXXX 's # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX  Bankruptcy # REF : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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