BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-26
Company: AVANTE
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AVANTE is claiming that I owe them {$2200.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
This complaint was already taken with the Federal Reserve which is forwarding the issue to you which concerns bill pay which I had a 10-year history and all my accounts with my creditors and vendors and which I was promised would be transferred to the other account this one which I opened from a core checking in Bank of America to a safe balance checking in Bank of America instead what happened was they transferred no information and I've tried repeatedly to get this addressed that it affected my financial relationships with creditors and my overall well-being and that was all information critical and important to me and Bank of America through ignorance poor execution did not do what they said and despite repeated escalation efforts did not address what they did and they cause me harm which continues to this day because the bill pay together with my primary account was the way that I interface with all my creditors as well as my US Government obligations and Banks should not be able to do this sort of thing without consequence the primary actions occurred in XXXX mid to late XXXX when they were closing the other account and they promised to move my bill pay history and bill pay 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 explanation
Consumer complaint received 2019-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 did not applied for these accounts. Please remove them as soon as possible from my credit report.

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 2018-10-09
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never did business with the company XXXX XXXX and that I disputed it 2 times and both the company and the credit bureau never provided me with a signed contract with my signature. A collection bill is not a validation and that I have a right to be provided with proof or it needed to be removed.

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 2018-04-05
Company: JPMORGAN CHASE & CO.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello. 
Last XX/XX/XXXX I sent {$500.00} dollars trough XXXX, the authorized electronic money transfer option Chase Bank added to the Chase App. 
After I sent it I spoke to the receiver. Someone I Know. She said that her telephone number did change so I immediately changed it on my bank 's XXXX contact app and called the bank to explain the situation since the transaction wasn't final. 
The Chase bank customer representative told me that it would be better if I wait and if the money didn't ends at my friends account they will submit a claim. 
For my surprise it didn't happen. 
I contacted the bank to request a refund. They answered they just can't because it is customer 's responsibility to check on the accuracy of the recipients. 
So then, what banks accounts and fraud protection mechanisms are for? 
They leave us, customers, helpless and with the feeling that this is a scam backed up by the banks. 
I truly hope that any government institution protect us against that greedy and fraudulent use of our money. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
This bank is a XXXX I had account with them in the past which they closed fir no reason I got approved fir a new one now they blocked it and wont Release my funds back to me or let me have an account their XXXX Im sick and tired of them and the way they are they have to be sued in small claims court they are discriminating me for no reason ans thats enough I never overdrafted on any of my accounts with them but they Goode

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Consumer reporting agency cannont furnish a account without my written instructions

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 2020-09-11
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have sent a total of 3 disputes requesting that inaccurate information be removed from my report. They keep responding the information has been verified without sending any documentation which give them the right to list this inaccurate information on my report. The reporting of this inaccurate information is destroying my credit I have sent all letters certified mail I have receipts upon request, I also have copies of all letters & copies of the company response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
someone use my identity and open auto loan, auto insurance, credit card and cable service I am a victim of identity theft I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2017-09-14
Company: REGIONS FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I tried to withdraw XXXX from a XXXX atm using a comdata XXXX. It is a payroll card from XXXX. i have an account with chase, and was going to deposit the cash from the card to my account. The atm shut down mid transaction and did not dispense the cash. XXXX told me it is the responsibility of the Comdata card bank to pay me. I have contacted them repeadedly and have been given the runaround. They say it is not their responsibility.

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 2018-04-10
Company: TD BANK US HOLDING COMPANY
State: AK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
The company ( XXXX  Credit Card ) states that owe them {$17.00} and that I haven't paid them since XX/XX/XXXX. I am 3 months behind per report. I did not receive any statement from them and neither did I have the knowledge that I owe them that amount, i have their card for years and its the first time it happened. My FICO credit score went XXXX to XXXX. I emailed the company but no action was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
IN XX/XX/2016 I STARTED RECEIVING CALLS & NOTICES REGARDING AN UNPAID BALANCE FOR XXXX XXXX. I DISPUTED THE ACCOUNT & THOUGHT IT WAS TAKEN CARE OF. HOWEVER, THE ACCOUNT WAS CHARGED OFF & SOLD TO MIDLAND CREDIT MANAGEMENT. I THEN DISPUTED IT WITH THEM WITH NO SUCCESS. THE ACCOUNT APPEARS TO BE FOR MEDICAL TRANSACTIONS WHERE I WAS NOT THE PATIENT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: WHEELS FINANCIAL GROUP, LLC.
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: Account information incorrect

Complaint:
At the maturity date of my loan XXXX stated that I owed another {$3900.00} in fees. 
I asked for proof and my payment history and they sent me 32 pages of daily interest and fees. 
They refused to send my payment and account history. 
The are in violation of federal credit reporting laws as they charge off my loan and they are still reporting as being delinquent every month and they are showing a balance. 
How can my loan be late if they charged it off? 
XXXX Last reported XX/XX/XXXX {$7800.00} Reported balance Highest balance {$0.00} Information not available OVERVIEW Highest balance $ XXXX Monthly payment {$200.00} Opened XX/XX/XXXX ( 5 yrs, 1 mos ) Term 42 months ( 3 years ) PAYMENT HISTORY You've made 50 % of payments on time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX Current Not current No data Last payment XX/XX/XXXX Payment status Charge-off Worst payment status -- ACCOUNT DETAILS Account status Closed Type Auto Responsibility Individual Remarks Consumer disputes this account information Charged off account Fixed rate Times 30/60/90 days late XXXX CONTACT INFO XXXX XXXX XXXX XXXX. , XXXX XXXX XXXX, CA XXXX USA ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
this company is reporting to all three credit bureaus ( XXXX, transunion, and XXXX ) on my consumer credit report that a debt is owed to them. I have not received any communication regarding this debt from this company, or an opportunity to dispute the validity of this debt. This company is in violation os fair Debt Collection Practices Act Section 809. Their negligence has caused me distress and is hampering my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Coinbase, Inc.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Since I open account I have problems. When cryptocurrency is high and time to sell coinbase website is not available but now complicity locked out of my account. Can ; t log in and coinbase wont reply back to my emails. Who gave them right to lock me out of my account this is criminal organization and they need to be stooped.Since I'm locked out I start reviving phishing emails and I never got those pretending to be coinbase. my dispute is over {$120000.00} since tha 's how much they cheated me out/ Now I don't even know if If I have any founds in my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-14
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Deposited two checks and some cash at the same time through their ATM. I selected " receipt without check images ''. The machine froze for about 10 seconds, then said " transaction canceled '' but it did n't return anything to me. I immediately made a claim and they credited me roughly the amount I deposited XXXX {$1600.00} instead of {$1600.00} ). Now a month later, they 're saying they found one of the checks, but not the other and none of the cash. So.. if it was deposited all in a stack, but they ca n't physically find the cash, I believe someone pocketed it. They say they checked it twice and I 'm not entitled to money I did n't deposit ; Essentially telling me I 'm lying. I 'm having the paycheck reprinted, but someone walked out of there with my cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
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 am a victim of identity theft and Chex Systems has a police report on file for Consumer ID : XXXX for me being a victim of identity theft. The following Reported Information listed on my Chex Systems Consumer Report is fraudulent, not my account and is the result of identity theft : XXXX XXXX XXXX, XX/XX/2020, {$2500.00}.

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 2017-12-20
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Spouse or co applicant : Report # XXXX XXXX XXXX, 2017 On my credit file is a XXXX who is this I 'm not married nor do I no who this is. Its just one name XXXX Just XXXX what is this or who or what Why does Experian have information like this on my credit report but no reason or who this is or why it is showing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Credit Bureau is in violation of FDCPA, FCRA and also XXXX compliance. The account in question is over 10 years old.

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 2018-01-23
Company: EQUIFAX, INC.
State: NV
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:
The Company XXXX XXXX run a hard inquiry check on credit report agency Equifax. 
I did NOT authorize this inquiry. 

I called XXXX fraud department and Equifax. 

I placed a dispute on Equifax credit report, and fraud alert on line, then called the customer service to talk to someone for some questions and resolution. 
The person that I spoke to, an employee of Equifax, told me that there was nothing they could do to remove that hard inquiry from my account, that it would be there for 2 years. 
I said, how can you keep it there if that is a FRAUDULENT inquiry? 
They replied I had to contact XXXX XXXX, which I did right prior to contacting them. 

XXXX fraud department DENIED that they used my social security to run a hard credit check, and the fraud department lady I spoke to said that anyone can run a credit check without social security. I told her she was mistaken, because to my knowledge they must have a social security to run a credit report, and the credit report agency confirmed this, they can not do it without it. She replied these words '' you do not know what are you talking about '' and hang up on me. 

Both XXXX and Equifax have given me the run around, even after I disputed the information and even put a fraud alert on my Equifax account. 

That hard inquiry has to be removed ASAP, and not after 2 years like Equifax customer service agent said, because it lowers my credit score for no reason, since it was a fraudulent inquiry. 

Please help me to resolve this issue. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2020 I spoke with XXXX to confirm that I do not owe them this money and they agreed.

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 2018-10-09
Company: Caliber Home Loans, Inc.
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I applied in XX/XX/2018 with Caliber Home Loans for my second mortgage. I paid the 3 payments and sent back the permanent paperwork to them. They never permanently modified my loan, and required for me to reapply, which I did.-I was approved again, and made the three trial payments and once again returned my modification agreement. 
I received my second mortgage bill which prompted me to call Caliber Home Loans. I asked WHY I was receiving this bill if I was permanently modified. The answer to my question was that I did not return my first loan modification paperwork.

I never applied for a first loan mortgage modification with Caliber, nor do I need one. I do not think they know what they are doing. I have worked with them previously in the past, and I was NEVER required to modify both loans at the same time. 

Unfortunately, it is excuse after excuse with this company. I was now told to call Friday if they are going to accept this modification without REMODIFYING my first mortgage that I never requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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 am not an attorney nor am I a third party. I am filing on my own behalf because it is my legal right to do so. I have a 30 and 60 Late pay the is showing on my credit report from CAPITAL ONE BANK USA N XXXX. My income was affected due to the Pandemic Shutdown. I am seeking some accommodations under the CARES ACT FCRA section 623, 15 U.S.C. 1681s-2 ; 12 CFR part XXXX, XXXX XXXX I am trying to protect the integrity of my credit profile as much as I can. I am current on all the accounts I was told that I have to write and request the late pays to be removed.

Company response to consumer: Closed with explanation