BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 status incorrect

Complaint:
Trans Union is reporting XXXX late XX/XX/2021 for XXXX XXXX XXXX XXXX This is incorrect.

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 2022-02-26
Company: EQUIFAX, 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:
I have fraudulent inquiries appearing on my credit report that I would like to have remove. I have sent several letters out to this bureau and asked that they proof of my signature and authorization. They failed to do so I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
my bank account was compromised/hacked on XX/XX/XXXX and and some withdrew XXXX dollars without my knowledge or permission and bank of America denied my claim and they dont tell why

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 2023-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
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:
Upon reviewing my credit report I saw that Capital One reported my balance increased by {$67.00} from XX/XX/XXXX to XX/XX/XXXX. NOW HERE IS THE IMPORTANT FACT : MY BALANCEON XX/XX/XXXX WAS THE SAME AS XX/XX/XXXX not {$67.00} HIGHER. Now they tried to explain I didn't make a payment in XXXX, that is right. I made it XX/XX/XXXX. The {$67.00} was the interest that accrued since I made the payment in XXXX. But the thing is : the balance at the end of XXXX was still the same or less than on XX/XX/XXXX. So why report that the account balance increased. 

HERE IS ANOTHER IMPORTANT QUESTION THAT NEEDS TO BE ANSWERED : THE BALANCE ON XX/XX/XXXX, DOES IT NOT INCLUXE THE ACCRUED INTEREST FOR THE MONTH OF XXXX? I BELIEVE IT DOES INCLUDE THAT INTEREST OR THE BALANCE WOULD BE LOWER AND NOT THE SAME. SO WHY REPORT TO THE CREDIT BUREAUS THAT THE TOTAL DEBT ACTUALLY INCREASED BY THE ACCRUED INTEREST. 

These types of shenanigans hurt a person 's credit file and are injurious when a person seeks credit. The creditor sees an increase instead of a decrease in the debtors record. 

Shame on capitol one! Over the last year I HAVE CLOSED MY CHECKING, SAVINGS, AND CREDIT CARD ACCOUNTS WITH THIS COMPANY. 

Once again : SHAME!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
SUMMARY : This is an identity theft issue. A Capital One savings account was opened in my name without my knowledge or consent. Capital One closed the account, but the process was difficult and the bank has not been very cooperative on followup. 

XX/XX/XXXXXXXX  : I receive two emails from Capital One indicating that an online savings account had just been opened in my name ( see attachments 1 and 2 ). I found the Fraud reporting number for Capital One online, called them and confirmed that the emails came from them. After I was transferred twice, Capital One agreed to close the account. When I requested followup, I was informed I would have to email a police report to XXXX. 
XX/XX/XXXXXXXX  : I file a Police Report with the XXXX XXXX Police Department, incident XXXX. Report available on request. 
Unknown XXXX XXXX  ) : I call Capital One to ask whether there was another way I could submit the police report. After being transferred at least twice, I am told that emailing the report to XXXX. I am also told that they will not share information with me, they will send it to the police once they have my report. 
XX/XX/XXXX : I file an online request for the copy of my XXXX Police Report, reference number XXXX. 
XX/XX/XXXX : I pick up the Police Report from XXXX Headquarters. 
XX/XX/XXXX : I send a PDF of the Police Report to XXXXXXXX XXXXXX/XX/XXXX : I receive email confirmation from Capital One that my email received ( see attachment 4 ). 
XX/XX/XXXX : I file an identity theft report with the FTC, report number XXXX. ( Report available on request ). The FTC website recovery plan recommends that I request a letter from the bank, stating : the fraudulent account is not mine ; I am not liable for the account ; and it was removed from my credit report. ( I understand that banks can report some non-credit transactions to the credit reporting bureaus. ) ( See attachment 3 ). 
XX/XX/XXXX : I call XXXX, the phone number on the report receipt confirmation email from Capital One. I am transferred at least once. The agent informs me that she can not find my police report, and that I will have to fill out another form and fax it to Capital One in order to receive the letter that the FTC recommends. She also stated that the letter will not include the statement that any mention of the account has been removed from my credit report. 

Capital One has been really squirrely about resolving my fraud complaint, and I hope CFPB will take a closer look at their fraud resolution process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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:
This is not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
During Cocvid-19, I started working with my mortgage company, Bank of America XXXX XXXX modify my loan. Bank of America assured me several times over 2 years that they were working on my loan modification each time I submitted the modification documents. Each time the modification packet was submitted, I was told constantly that the underwriters were reviewing the packet and it takes time to process. Eventually, I was told that the underwriters took too long to review the documents and I had to start the modification process all over! again, and again, and again and again!!! This happened each and every time I submitted the required document packet! Bank of America NEVER worked with me to modify my loan, and out of no where, they notified me the sale date of XX/XX/2023 to foreclose on my home!!! I was given the run around for over 2 years. Each and every time documents were requested by Bank of America, I submitted all documents, and called them to confirm that ALL documents were received each time!!! I spoke to a Law Firm and they offered to take my case and bring charges against Bank of America for unlawful foreclosure, because a large volume of other clients of this law firm have been treated the same in dealing with Bank of America in the same way when it comes to modifying a home loan with the end results being a Foreclosure!!! Here is the previous claim number, were Bank of America responded stating that they were working with me to help me stay in my home by modifying the loan!!! 

Previous Complaint # 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 2018-07-31
Company: Halsted Financial Services, LLC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
On several occasions, specifically on Saturday mornings, this company is calling me at XXXX. They will also call repeatedly after making contact with me. For example ; I will answer their call and speak with them and comply as much as possible. They will continue to call me throughout the day and advise that because I have not secured a payment arrangement they will keep calling all day. I have spoken to different managers and they will not stop calling before XXXX and tell me that my area code is on the east coast so it is XXXX when they call, but my address is and always has been in Arizona and has never changed. I am not on the east coast and I feel this is an intimidation harassment tactic. Please see proof of the phone call. This company calls from several different numbers so it is impossible to block their number and they will never leave a voicemail. Also do not accept the excuse that the phone number is not associated with their business, because I did call the number back and was connected right away and they already knew my name and account information based on the number I called them from. The number is the photos I attached absolutely belong to them!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
n 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX, 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.

15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to.

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 2023-06-22
Company: Army and Air Force Exchange Service
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Military Star account on my credit report is showing as a charge off. This account was paid in full.

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 2023-02-17
Company: BANCO POPULAR DE PUERTO RICO
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
Popular Directs contact # XXXX. 
Opened a CD with PD on XX/XX/23 and did not receive a confirmation email or account #. I have been a victim of several hacked banks, etc : XXXX, XXXX, medical, etc, so I did not want to give the phone rep my full social and, of course without the social and no confirmation #, they would not help me. Spoke with a number of reps, XXXX, XXXX, XXXX and supervisor, XXXX. I was told to send a copy of my ID and a copy of a utility bill to them, which I did and received a confirmation email on XX/XX/23 for the documents I emailed to them. I called today, XX/XX/23 to get my account # and XXXX would not help me without my SS # or the non-existent account #. Personally, I have not come across any banks that ask for the full SS #., so that seems odd. 
The money, {$49000.00} was taken from my account, XXXX on XX/XX/23. If they do not provide me with an account #, how can I remove my money at the maturity date? I feel they have stolen my money, since they refuse to give me an account #. The bank does not have a stationary address and is an online bank, only.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: DE
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2021-06-23
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.

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 2023-09-13
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XX/XX/XXXX, HSBC sent me an email saying that I can receive a 30 % bonus for transferring my HSBC reward points to XXXX XXXX XXXX points and the term said 1. The promotional period for this offer is XX/XX/XXXX to XX/XX/XXXX XXXX. XXXX. Cardmembers will receive 30 % bonus Avios for HSBC Elite World Elite Mastercard or HSBC Premier World Mastercard credit card Rewards Program Points transferred to XXXX during the promotional period. Bonus Avios will be awarded with the original transaction. To redeem this offer, your Account must be open and in good standing. 

On XX/XX/XXXX I transferred XXXX points but no bonus was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: ALLY FINANCIAL INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Account reinstatement or redemption after repossession

Complaint:
My vehicle convertible flew up on the expressway way. Ive had a insurance claim that will pay for the vehicle, but unfortunately I was denied with full coverage. Ally repossessed me while I had extension. The company apologize for the mistake and given my vehicle back. The dealership refused to help repair because I was in XXXX and Ive bought the vehicle in XXXX. I paid my account in full and the insurance claim was denied. Basically paying for vehicle o cant drive... broke down on the way to 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 2022-02-08
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I wish someone would have said this federal student loan forgiveness is not for loans with Navient. This along with me having paid them with court ordered payment plan which I know have been told is not recognized has now made me from being paid off to having a balance of around {$2000.00}. I guess I do not understand how this can be happening. I have paid on the loan since 2001 and still owe them money. Thanks for letting me get this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
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:
In the month of XXXX I sent the credit bureaus an FTC report in regards to information on my consumer report that is a result of fraud. XXXX XXXX XXXX Account # XXXX was initially removed and reinserted on my credit report. I do not provide written permission or instructions for the account to be reported on my comsumer 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 non-monetary relief
Consumer complaint received 2019-05-07
Company: SIMM Associates, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX has a collection on my credit file being handled by Simms and Associates. I made an arrangement to settle the debt with Simms where they agreed to remove the remaining balance from my credit files. They did NOT REMOVE THIS BALANCE. I have disputed the balance with all three credit bureaus and filed a cfpb complaint for that process. 

I am filing this complaint against XXXX XXXX XXXX because section 623 of the FCRA provides the SAME 30 DAY TIME FRAME for handling disputes for the data furnisher that it does for the credit bureaus. 

It is a violation of federal law to leave a balance owing when I settled the balance in full with an agreement to remove it. 

Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My XX/XX/XXXX Statement shows a refund of {$4600.00} from the county taxing authority on XX/XX/XXXX. On XX/XX/XXXX, after not receiving the refund, I called my Lender, Amerihome, to inquire about the refund. I was told during that call that it had been mailed on XX/XX/XXXX, and that I should wait 30 days, before calling back. I called back on XX/XX/XXXX, and was then told that the check didn't actually go out until XX/XX/XXXX, and that I had to wait 30 days from that date. Well, I called today, XX/XX/XXXX, only to be on hold for 20+ minutes. In these lean times that everyone is having to deal with, why am I having to chase down Amerihome to get my refund? Now that I have inquired about the refund, why aren't they being aggressive in keeping me informed? What are they doing with my money? In two weeks, it will be at least two months since they received the refund from the taxing authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: TX
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. 

The letters are stated with items and issues. 

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 explanation