BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 contacted all 3 Credit Reporting Agencies via USPS on several occasions asking them to provide me with the " ORIGINAL '' signed documents sent to them by the original creditor/furnisher for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX # XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX {$8600.00} Under Federal law the Fair Credit Reporting Act ( FCRA ) requires the Credit Reporting Agencies ( CRA ) keep the " ORIGINAL '' signed documents submitted by credit reporting agencies/furnishers on file. Under Federal law FCRA Section # 609 also requires CRA to verify " ORIGINAL '' signed documents to validate the validity of the account before they report in to the consumers credit report. Section # 610 of the FCRA requires the CRA provide the consumer with the " ORIGINAL '' signed documents submitted by the credit reporting agencies if it is requested in writing, within 30 days of the written request. I have been requesting the above mentioned documents since XXXX 2017 and have yet to receive ANYTHING from the Credit Reporting Agencies. I am once again asking Experian to provide me with the " ORIGINAL '' signed documents submitted to them by XXXX XXXX XXXX in the amount of {$8600.00}. If the Credit Reporting Agencies can not provide me with the " ORIGINAL '' signed documents I demand that they delete/remove this account from my credit report. If this account is not removed my credit report within the allowed 30 day period my next course of action will be to hire an attorney and file a law suit. Any attempt to collect this debt without validating it violates the Fair Debt Collection Practices Act ( FDCPA ). The law is very clear to the civil liability and the remedy available to me for the " negligent non-compliance '' ( Section # 617 ) if the Credit Reporting Agencies fail to  comply within the laws.

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 2020-01-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I made a transfer to pay my credit card balance on the XX/XX/XXXX for {$1500.00}. 

Then on the XX/XX/XXXX, in error I made another payment to the credit card for {$1400.00}, which put my card in credit due to the over payment. 

I called the Bank of America on the XX/XX/XXXX and explained the issue, they advised due to the payment hasnt been processed I need to call back the following day. I called BOA on the XX/XX/XXXX and the man I spoke to advised that I would have the {$1400.00} transferred into my account within the next 2-4 days. I called BOA on the XX/XX/XXXX and spoke to XXXX, she advised me that the previous adviser had made an error in the processing the refund and selected an incorrect reason for the refund. This means my refund would now take 60 days due to his error. I disputed this and advised that I should not be penalized for a BOA error. She advised that she would look to resolve and get me refunded in the next 4-6 days. I spoke to XXXX again on the XX/XX/XXXX and she advised that she is unable to correct the previous member of staff error and that the issue is going to be delayed further and I will have to wait 60 days from today 's date. BOA are very unhelpful and not willing to resolve an error they have created. I should not be made to wait such a long period of time for money they owe 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 monetary relief
Consumer complaint received 2021-02-10
Company: MoneyLion Inc.
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XXXX XXXX sent me a debit card for an account that I did not open. When I asked them when this account was opened, they told me I had to tell them more personal information about myself which I declined. She closed the account. 

Same thing happened with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
This mortgage was paid, I sold the house XX/XX/2016 it was a joint account my father was on the account, he was sick and unfortunately he passed away XX/XX/16.  I called the bank to please remove the information from my credit report or to please to forgive me some late payments, and I did disputed with all 3 credit report and no change was made.

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 2020-08-26
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contact the company Citibank in regards to a fraudulent account issued in my name. They have been made aware that the account is not my account but have still decided to keep this account on my report, damaging my score for no reason at all. This is impacting my financial health, and causing me stress that is unbearable. How can I further escalate this issue? I have filed a police report here in my county in regard to this issue, and I am willing to have this resolved  in court if it's necessary. I will not fall victim to this type of crime. This is unjust and unfair. Someone had a card mailed to my home without my consent, which really makes me uncomfortable. Knowing someone can easily go into my mailbox and take something that they created with my identity. 

I never even phyisacally signed for a card, so how was it even issued in my name? 
Can i have physical proof that my signature was used to get this card?

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 2021-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
On XX/XX/2020 my Bank of America debit card was hacked and my weekly benefits that I receive From the unemployment was stolen in the about of {$290.00}. On that same day I call Bank of America and reported the issue. They then told me that they were going to investigate and send me a new card, I received the new card and when it was time to receive my next weeks benefits the card was closed already. I then called Bank of America and was by them to call the unemployment ( DETR ) after calling them they said that they were looking to fix the issue and that the issue should be fixed in about 7 day, however after the 7 day no word, so I called Bank of America once again for them to point the finger back at the unemployment ( DETR ), so I called DETR once again and did not get a direct answer once more, after a few weeks more of going back in fourth with both companies, DETR finally asked me to send a copy of the front and back of my identification and a copy of my social security card and I did just that. Then I was told that it will take another 7 day, but never heard back from neither company. When calling to check the status was more from DETR I was told that I must set up a ID.ME account to so they could verify my identity, so I had to once again send a copy of the front and back of my identification card and social security card and after calling to check was everything ok with my ID.ME account they said it would take 7 days once again. But still heard nothing from neither company. When calling to check again several different days and weeks, I was told it was in progress. After month of continuing all that was asked of me, I once more call to check on the status and once again DETR asked me to send all copies of my identifications. However XXXX continue failing my unemployment claims each week and I can see that I am getting paid on the unemployment DETR side but still my Bank of America card remains closed. I have 16 weeks of unemployment benefits frozen. I am in need of all moneys owed to me, due to bills being delinquent and my XXXX kids needing 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 2020-08-26
Company: NAVY FEDERAL CREDIT UNION
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: Experian Information Solutions 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:
These are not my accounts. Please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-27
Company: National Credit Systems,Inc.
State: NY
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:
There account reporting from NATLCRSYS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ), this account is fraud, Is not mine. Please help remove it, is affecting my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: WLCC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am trying to pay the principal amount but the company is keep Just changing me with the interest. I called them 3 or 4 Times for them to take out the whole amount and paid it off but they keep Just charging me with the the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe this company any money. I dont have a contract signed with this company. I request for company to delete account from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
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: Information belongs to someone else

Complaint:
AROUND XXXXXX/XX/2021AFTER DOING AN ANNUAL CREDIT REPORT PULL. I NOTICED THERE WERE A LOT OF FRAUDULENT ACCOUNTS REPORTING ON TO MY CREDIT REPORT. WHICH ARE ILLEGAL TO REPORT INACCRURATE INFORMATION. 
FRADULENT ACCOUNTS- EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRADULENT HARD INQUIRES : EXPERIAN XXXX XXXXXX/XX/XXXXFRADULENT HARD INQUIRES : XXXX  XXXX XXXX XXXX XXXX-XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FRADULENT ACCOUNT-XXXX  Collections-Unknown- XXXX XXXX FRADULENT HARD INQUIRES : XXXX  : XXXX, XXXX  XXXX  FRADULENT ACCOUNTS : XXXX  XXXXXX/XX/XXXXXXXX, XXXX XXXX  WE HAVE ATTEMPTED TO CONTACT THEM. HOWEVER, THEY CONTACT TO REPORT THE FRAUDULENT ACCOUNT TO ALL 3 CREDIT BUREAUS AS ACCURATE AND REFUSE TO GIVE US INFORMATION PROOFING THIS FACT. NOW THEY HAVE STOPPED RESPONDING TO OUR EMAILS COMPLETELY EVEN AFTER SPEAKING WITH 3 OF THEIR SUPERVISORS. 
WE HAVE FILLED OUT AN IDENTITY THEFT AND CFPB REPORT WHICH THEY HAVE IGNORED THAT ALONG WITH MULTIPLE FCRA LAWS INCLUDING AND NOT LIMITED TO SECTION 609 WHICH ALLOWS US AS CONSUMERS TO REQUEST COPIES OF OUR OWN CREDIT REPORTS AND THE ASSOCIATED INFORMATION THAT APPEARS ON MY CREDIT REPORT. AS WELL AS PROVING THE FACT THAT THIS IS MY ACCOUNT. 
PLEASE REMOVE ACCOUNT IMMEDIATELY FROM MY CREDIT REPORT AS THIS IS A VIOLATION OF MY LEGAL RIGHTS. AS WELL AS FCRA LAWS INCULDING AND NOT LIMITED TO SECTION 609,611 ( A ) ( 1 ) ( A ) AND FCRA U.S.C 161B

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 2019-04-12
Company: EQUIFAX, INC.
State: TN
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:
Equifax and XXXX are reporting incorrectly that I am 60 days past due on XXXX XXXX partial account number XXXX. ( Please see page 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: Global Resolution Group, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Company is currently using an auto dialer with a recording message that i am currently under investigation for my assets.

This is a blatant violation of FDCPA also TCPA for method of contact being that i did not consent to be contacted via auto dialer Furthermore there numerous complaints on the web for there tactics to intimidate consumers with is un just and-needs to be rectified

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020, a hold was placed on my account and I was unable to access my Chime Bank checking account which contained the majority of my money at the time, nearly 80 %. 

I promptly responded to ask if there is anything I can do to expedite the process. 

On XX/XX/2020, I was asked to provide the following : Provide an explanation and documentation verifying that you are the intended recipient of the pay-friends transfers from : XXXX XXXX Transfer from XXXX XXXX XXXX XXXX XXXX Transfer from XXXX XXXX XXXX. 

I responded saying that I do not know either of those two individuals. They might have sent me money and then reported the transaction as unauthorized. 

Similar to a public SWIFT address, I know that people figured out my Chime Pay Friends Transfer ID and have been sending me money and charging it back or something similar. 

A few weeks later ... 

The response from Chime Bank was Your account has been closed in accordance with the Deposit Account Agreement, section ( I ) ( C ) ( 9 ). 

I read through the entire Deposit Account Agreement and no such line or article even exists. 

I pointed out that this line doesnt exist in the Chime Deposit Agreement and all I received was an automated message back from the company. 

Said company may also be pocketing commissions from referrals I have been bringing them. I dont know where those are going now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2020 I signed documents for an auto loan approved by Capital One Auto Finance via XXXX XXXX XXXX ( dealership ) in XXXX NJ. 

Capital One Auto Finance currently has documents of forged signatures from a different dealership, XXXX XXXX XXXXXXXX XXXX XXXX in XXXX XX/XX/2020 that I did not sign. This is fraud.I can provide proof of being at work on this date. I work for XXXX XXXX XXXX XXXX XXXX 

I have received several correspondence via mail indicating my credit was assessed without my knowledge or approval and was requested by XXXX XXXX XXXX, XXXX XXXX of XXXX. 

Multiple hard inquiries have hit my credit report during the months of XXXX and XXXX. This is also fraud as I did not request this and it has occurred months after I was approved for a car. These inquiries were fraud requests and will now remain on my credit for 2 years causing negative impacts on my credit that I am working so hard to improve. 

I contacted Capital One Auto Finance on Wednesday XX/XX/2020 to notify them of the fraud documentation. I stressed the importance of addressing the fraudulent signatures. I also notified Capital one that the current vehicle on my loan ( XXXX XXXX ) does not match the vehicle that I have in my possession ( XXXX XXXX ). 

I was told I would be contacted within three business days when speaking with a representative from Capital One Auto Finance on XX/XX/2020. When I did not get a follow up call, I reached out Capital One Auto Finance ( Monday XX/XX/2020 ), however I was told it would take another two business days for a response and am currently waiting. 

My car remains unregistered. It is now more than three months from when I was approved for the car I have not received any license plates and the Dealership has chosen to keep the second key to the car. 

I am filing this complaint in hopes of getting assistance in resolving all existing issues. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: Experian Information Solutions Inc.
State: MI
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 never been late on any accounts. i have set up auto pay since the beginning of the lease. XXXX XXXX was completely not reporting the month of XX/XX/XXXX, marked XX/XX/XXXX, XX/XX/XXXX, as late payments. in the month of XX/XX/XXXX, they updated there report showing XX/XX/XXXX as completely not reporting. and they changed the months late to XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as late. this doesn't make sense. i have bank statement showing they pull and always have on the XX/XX/XXXX of every month. i want this account to show paid as agreed on all the months or completely removed from my credit file. the erroneous reporting of inaccurate information has impacting my loan abilities, my mortgage and car insurance.

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 2020-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX {$3900.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX {$20000.00} XXXX XXXX XXXX {$27000.00} XXXX XXXX  XXXX XXXX {$7100.00} XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX {$320.00}

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 explanation
Consumer complaint received 2021-02-10
Company: Regional Management Corporation
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received, via mail, promotional offer get {$400.00} for opening checking account. 
My English is second language and I easy can misunderstand the legal English, so I decided I would ask for help from professional banker who works at the bank. I went to the bank, met with branch banker. I provided promotional documents to the branch banker, issued by bank, how to get {$400.00}. Banker took that material and insure me that she will complete online banking to meet all terms. Banker enrolled me in online banking. Banker created my login. Banker have must have followed all terms that must be met to get {$400.00}. Banker advice, that I must complete 10 transaction within one month. I have completed 10 transactions within one month. I have done all I was able to do. Everything else was banker responsibility. 
Now Bank refused to honor {$400.00} arguing that I did not enroll online statements. 
I argued that banker who enrolled my online account and followed all terms shall have enroll in online statements as she was asked to do and that was her diligent and responsibility. Not me. ( If I could understand all terms written on promotional materials, than I would never ask for help to someone else, right? ) I trusted banker at the time to open account for me and I gave a promotional material to the banker to make sure banker meet all terms. 
therefore, I compliant on bank for intentionally fall to enroll online statements on my behalf, so Bank will not issue {$400.00} promotion to the customer.

Company response to consumer: Closed with explanation