BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-25
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I contacted equifax trying to get the fraud alert off my account and the lady was very unprofessional and wouldnt let me speak to an American rep. And told me I need to mail in documentation but wouldnt tell me what documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: BB&T CORPORATION
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2919, I mailed 2 antique oriental rugs to the auction House XXXX XXXX in XXXX Ma . 

These were to be auctioned off on XXXX. and they were. 

Usually they send a check for the proceeds within 30 days but after more then a month when I hadn't received payment, I called XXXX and was told that they had wired the proceeds ( {$1500.00} ) as per my email request. 

I never sent said email request but it was in my name and with my email address. 

They had wired my money to an account # XXXX on XX/XX/2019. 

I tried calling the Branch Bank & Trust in XXXX, NC yesterday to speak to their fraud dept. but was denied access.

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 2022-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
They claimed i have to wait the 2 years even tough i didnt authorize the credit pull

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
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: Personal information incorrect

Complaint:
I am filing this complaint because the Credit Reporting agencies are inaccurately reporting outdated and or wrong information on my credit profile. I have mailed to the agencies my correct and accurate personal info to be displayed on my credit profiles. I will attach the letters I sent to each bureau. Please erase and remove ALL OUTDATED AND INCORRECT personal information from my credit and update with the correct information. I will have attached the info that should be updated.

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 2022-09-14
Company: EQUIFAX, 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: Account information incorrect

Complaint:
On XX/XX/2022 I wrote XXXX, XXXX, and Equifax credit reporting agencies via certified mail ; informing them of the inaccuracies they were reporting on my credit report. They failed to reply within 30 days so I sent them a follow up certified letter on XX/XX/2022 and still they did not address the inaccuracies they are reporting on my credit report. It is becoming very frustrating for me. These companies are reporting inaccurate information about my credit history and are giving me a very hard time in correcting their errors. I have attached copies of the letters for your records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: BSI Financial Holdings, Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX sent letter to borrower saying he was approved for a modification but did not provide any documents stating when he was to resume payment or what the payments will be. XXXX sent borrower a NOTICE OF DEFAULT AND INTENTION TO FORECLOSURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: EQUIFAX, 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:
I sent a letter out XX/XX/XXXX to XXXX, XXXX XXXX, and Equifax. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable re-investigation to determine weather the disputed information is inaccurate and record the current status of disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30 - day period beginning on the date on which the agency receives the notice of the dispute from the consumer or seller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14
Company: Albert Corporation
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Albert XXXX refused to honor the terms of the bonus that they offered. I can prove that they are breaking federal laws. I have screenshots from their website which will prove their crimes against me. I will be very specific with my CFPB complaint and I will not waste your time. I will only include the relevant details. I applied for a checking account and I was approved on XX/XX/2022. Albert XXXX was offering a {$500.00} bonus for new customers when I was approved. I met the requirements of the offer and they still refused to pay the bonus. I have included screenshots of the terms from XX/XX/2022. I met all of the requirements and Albert XXXX tried to avoid paying the bonus. Please stop Albert XXXX from taking advantage of their customers through false advertising. If you do your research you will see that Albert XXXX has a history of trying to scam their customers. 

I contacted Albert XXXX through their app on XX/XX/2022 and XX/XX/2022. They refused to provide any help to resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage payment for so long was $ XXXX. No written explanation. No escrow analysis sent, suddenly on XX/XX/XXXX payment was {$550.00}. Spoke to many Cust. Svc. said due to negative escrow of {$2100.00}. And said, if I pay this amt. my monthly pay would be {$180.00} just for principal and interest. I paid this amt of XXXX on XX/XX/XXXX. No adjustment was made. I faxed a letter and spoke to Escrow Dept said since I paid on XX/XX/XXXX calculations has been done. Reply to my fax came with no straight answers from Bank of America Escrow Dept. Sent them fax again, but did not answer my queries and one month has passed and XXXX is almost gone. I saw my payment this XX/XX/XXXX will be XXXX. Where is their word : that if I pay my negative escrow of {$2100.00}, my monthly mortgage payment will only be based on Principal and Interest in the amount of $ XXXX. 

I am a XXXX XXXX, to better understand them, I was asking them on my previous fax to give me detail escrow payment, detail calculations of payment, but have not receive any. Please help me. 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 explanation
Consumer complaint received 2023-10-03
Company: Bread Financial Holdings, Inc.
State: NY
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 am writing to bring to your attention the unresolved issue concerning late payment accounts on my credit report. Despite previous attempts to rectify these discrepancies, they remain unaddressed. The ongoing issue with late payment accounts remains unresolved, causing concerns and potential financial repercussions. I kindly request a thorough review and prompt resolution of these issues to ensure the accuracy and fairness of my credit report. Your immediate attention to this matter is greatly appreciated. 

COMENITYCB/MYPLACERWDS XXXX & COMENITY BANK/EXPRESS XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I deposit a business check at a bank of america local branch center on the XX/XX/2023 for the amount of {$83000.00} on my business checking acount ending in # XXXX. So the agent " XXXX '' mention that he calls me back saying that he wasn't able to help me deposit this check into my account because that the check was made before the business were opened, I clearly correct his error with proof with this issues and ask him to deposit the check without having me going back since the branch was already CLOSED, and theres no need for me to pick up the check and have him re-deposit which its already deposited. but he told me to come back tomorrow and pick up my check, andways i call many times and this is like him report or adding adding addition issues or problems thats might cause to my acoount, and finally i not to able to login onine banking. this period of time of time im just not able to go to the branch and just like NO options ways to verify me .ridiculous.

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 2023-04-25
Company: Experian Information Solutions Inc.
State: MI
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:
This issue is between XXXX XXXX, Experian and XXXX. 

My vehicle was totaled in XX/XX/XXXX and the account was not closed until XX/XX/XXXX due to issues between XXXX and my insurance company. During the majority of this time, I was still expected to make payments. My last payment made was for the month of XX/XX/XXXX. This payment was made on time. However, when I review my credit with Experian and XXXX, it shows a 60-day delinquency in my negative score factors, associated with my auto score. This delinquency does not show up on my credit report as a delinquency, but for the month of XX/XX/XXXX, instead of displaying that a payment was made, it rather shows that the account was closed. Because of this being coded incorrectly and not reflecting that a payment was made, it is causing the delinquency. 

I have disputed this with the credit bureaus with negative results. I have also with XXXX numerous times also with negative results. XXXX stated to me that they are not able to update how that payment is coded even after acknowledging that a payment was in fact made and that it was made on time. They acknowledged understanding that it is affecting my credit score but stated there is nothing else that they can do for me. This is unacceptable. This has been very detrimental to my credit score that I have worked very hard to keep up.

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 2019-07-27
Company: EQUIFAX, 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 Authorize This Account I've Been a Victim of Identify Theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX, XXXX filed their claim for a CAPITAL ONE BANK USA credit debt against me stating the debt was Opened with Capital One on XX/XX/XXXX. This reported date is incorrect, the actual date CAPITAL ONE BANK USA reports is XX/XX/XXXX, see attached document. 
XXXX XXXX XXXX, XXXX will not provide the date the debt became past due. I attached a copy of an email from XXXX XXXX that shows the account went past due Sun, XXXX XX/XX/XXXX per CAPITAL ONE BANK USA. 
The date the debt became past due is greater than 4 years from the date XXXX XXXX XXXX, XXXX filed their collection action per the California statute of limitations. 

I have sent letters and left phone messages with no response. 
XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, Va XXXX XXXX XXXX XXXX, XXXX is not licensed in California as a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a account with u.s. bank. I deposited XXXX in money orders. First money was on hold for 5 days. No one told me this at the bank when I deposited it. I was given access to XXXX. I get a temp. Debit card that would not work. So I could not even access the XXXX. I called and they said it was because a new card was sent. That would void temp card. Then I get funds released. I get a new debit card and credit card from U.S.Bank. The new debit card is now frozen. I called and was offered no help. Then I get a text that another card is being sent. Why I don't know. Now my debit card is frozen. My credit card is frozen and my online account will not let me on. I have called and emailed the bank. No one can help me. I was told a person named XXXX is the one that put the hold and he is the only one that can release my account. He will not return my call. He is unable to be located when I do call. I do t know what the problem is. This is my money. I have rent and bills to pay. I can not even buy food now. I am very frustrated. I want answers and I can't get any.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: ALLY FINANCIAL INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. 



XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. 


- Account Name : ALLY FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the XXXX XXXX XXXX all fraudulent inquiries should be removed please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
During the month of XX/XX/2022, on approx XX/XX/XXXX a transaction from a hotel charge in Texas appeared on my account and a day later a charge for airline tickets appeared on my account. 
I did not complete these transactions. AND HAVE NOT HAD ANY DISPUTES OUTSIDE OF THESE TWO CHARGES IN MY BUSINESS ACCOUNT. THE REASON THE BANK IS NOT GIVING MY MONEY BACK IS BECAUSE THEY SAY THE VENDER PROVED MY NAME AND ADDRESS WAS USED.

THAT IS NOT MY CONCERN OR ISSUE I DID NOT DO IT AND IF ITS NOT FOUND AS FRAUD THAT AGAIN IS NOT MY ISSUE .... NO WHERE IN THE SERVICE AGREEMENT WITH m AND t BANK DOES IT SAY THE VENDORS WORD TRUMPS MINE. THEY SAID SINCE MY NAME APPEARED IT IS VALID... MY ISSUE IS WHEN A FRAUD TRANSACTION HAPPENS I DO NOT KNOW WHY OR HOW THEY WOULD BENEFIT THE VENDOR BUT IT IS NOT FOR ME TO EXPLAIN IT IS SIMPLY NOT MY DOING. 
XXXX CHARGE FOR {$730.00} AND XXXXXXXX XXXX FOR {$490.00} TWO DAYS APART AND NEITHER ARE MINE

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 2021-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Incorrect Information Has Been Placed on my credit Report that hasn't been Validated. 
Ive reached out to all 3 Credit Bureaus and They've Refused to be cooperative to remove these False Files XXXX Trans Union, XXXX. I demanded To have These Removed without Proper Validation Per Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) They Refused to be of Assistance. 
CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX Trans Union CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX CERTIFIED MAIL # 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 2018-04-18
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have previously filed a complaint with XXXX XXXX for their inadequate investigation into a fraudulent credit card opened in my name. In their response they included the information that was filled out to open the credit card. There were several errors on this information.

Whoever opened this account provided the following incorrect information : Mother 's maiden name Email address ( I've never seen this address before ) Own/Rent ( I assume that the XXXX marked in that field means neither which is not true ) Monthly Mortgage/Rent ( {$0.00} was marked, this is not true at all ) Yearly income ( this number would have been close a few years ago ) Employer Name ( This field seems to have been left blank ) XXXX XXXX claims to have reviewed the ID used and did not include a copy of it in the response to my previous complaint. XXXX XXXX also did not include a social security number used, nor did they include any of the questions that were supposedly answered in the phone call opening the account. I would also like to be provided with the recording of the fraudulent phone call that was used to open this account that they claim to have verified " sounded like 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 explanation
Consumer complaint received 2023-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX2022 we inquired regarding a property listing with address XXXX XXXX XXXX XXXX XXXX XXXX, CA. Thar same day we were contacted by a suppose owner stating information on property. He sent over an application we filles it out. On XXXX XXXX2022 we received an email stating we had been approved with an attached doc. XXXX XXXX letter signed by the landlord. We sent over $ XXXXas it was requested for downpayment to lease home. He was asking for XXXX, but we asked for bank account information to wire or transfer. He sent over following bank info. Account name : XXXX XXXX XXXX ROUTING # XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX. We felt secured sending these funds since we were banking with the same financial institution, and we were told by clerk it was safe. We Sent {$5100.00}. We were frauded out of our money the property didn't belong to this person. We made contact with XXXX XXXX XXXX # XXXX email XXXX. I filled a police report with the XXXX Police Department with case # XXXX. I made a dispute with Bank of America XXXXXXXX XXXX2022 claim # XXXX2022-XXXX. Received mail dated XXXXXXXX XXXX,2022 saying they couldn't recover funds. Even though proof was presented. Of Fraudulent activity. Aside from my money my other concern is how is bank of America letting people open account to scam its costumers.

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