BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-02
Company: ALCHRO INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Today I got letter from XXXX about a dispute account : XXXX XXXX XXXX XXXX for XXXX that account show on my report they sent me today ( XX/XX/2018. The letter said we have reviewed your concerns and our conclusions are : The disputed account XXXX XXXX XXXX XXXX XXXX is currently not reporting on the XXXX credit file. 

How is that????

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: Byrider Franchising, LLC
State: IL
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:
I filed bankruptcy XX/XX/XXXX this debt was discharge and XXXX continues to do hard credit checks without my authorization XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX these are just some of the times they have run my credit without my authorization I want it stopped immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
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:
I used the BofA drive up ATM, back in XX/XX/XXXX. I had tried to pull out {$400.00} and the transaction was declined. I then attempted to pull out {$300.00} and again, the transaction was declined. 
I went home, and reviewed online to see why the transactions did not go through, and I see that the {$300.00} withdrawal had posted. 
I tried calling BofA branch, but they had closed for the day. When I finally was able to reach a representative from BofA, they said I needed to contest the transaction with my card company. 
I reached out to my card company ( XXXX ) to let them know I did not get money out of the ATM, and the transaction never happened. 

They then went to BofA, and BofA sent them a transaction report, that just read {$300.00} had been dispersed. So my card company charged me the money and said they couldn't do anything further. 
I reached out to the police department to see if I could file a report, but they said they couldn't help. 

I reached out to the XXXX, to see if they could help, and they have attempted to resolve this with no resolution. I have spoken to Three representatives at BofA, who said they would get this fixed and I can not reach anyone anymore. This has been over a year now. They have cameras. They are able to see no money was taken by me. It shouldn't be this difficult to get a simple wrong transaction corrected, in my opinion. 

The reps at BofA I spoke with are : XX/XX/XXXX I had a call from BofA with a XXXX XXXX XXXX XXXX x XXXX ) She never followed up or returned my calls. Then there was XXXX on XX/XX/XXXX and his extension at BofA is ( XXXX ) Lastly, XXXX XXXX on XX/XX/XXXX ( XXXX ) Again, no further communication with BofA.

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 2021-07-15
Company: Sequium Asset Solutions, LLC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Charged me for equipment I never received, and services I didnt use.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: EQUIFAX, 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 decided to get my credit pulled due to a couple of collection letters I continued receive in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

DEPT OF ED/XXXX XXXX {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XX/XX/XXXX I was contacted via telephone from XXXX XXXX XXXX threatening legal action for a debt I supposedly owed for XXXX XXXX  in the amount of {$7900.00}. I asked for proof of ownership of this debt. I was sent an email from XXXX XXXX XXXX showing a debt from XXXX XXXX  with my name and last four of my SSN. Reference number XXXX, Client ID XXXX. I advised them I have never had a XXXX XXXX  account and would like proof of authorization from me to open this account. No proof was sent. I recieve two to three phone calls per day demanding payment. After going online and researching XXXX XXXX, it was purchased by Bank of America in XXXX. I have never had a Bank of America account either. I researched XXXX XXXX XXXX and saw many complaints from consumers stating these same tactics and fraudulent claims of debt from 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 explanation
Consumer complaint received 2018-05-09
Company: Advance America, Cash Advance Centers, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
Each day for the past few days I get several cals from XXXX. When I answer it hangs up. So when I call back and it's Advance America. I keep telling whoever answers that I have emailed them and told them I have a financial hardship due to job lost and I can't pay right now. 

And have been in constant contact with them and yet they keep calling me from this number several times daily after my requests to not do that. Or contact my references or former employer ( which I don't know if they are doing but they did a couple weeks ago ). 

Collection or not, they are harassing me with these multiple daily calls. I need them to stop that please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: PNC Bank 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 am a victim of identity theft and I have repeatedly reached out to the creditors and bureaus in regards to negative items that are reporting on my credit. I need this to be please be fixed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am trying to open a bank account but they're saying I can not and I've called a few places to find out why and no one seems to understand why I did report my name social security being used in XX/XX/2019with Bank of America so I don't know if that is the issue.

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 2018-03-14
Company: WELLS FARGO & COMPANY
State: OH
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:
Wells Fargo Dealer Services has been paid in full, they have added a remark that the account has been closed. The account has been PAID IN FULL. Due to the account being classified as " CLOSED '' this reflects as a negative mark on my credit. This account has been PAID IN FULL, there have not been any late payments, this account should be in GOOD standing, yet Wells Fargo Dealer Services has classified this as a CLOSED account with negative/derogatory status. 
Please CORRECT this on 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 2020-10-13
Company: Experian Information Solutions 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:
After carefully reviewing XXXX XXXX I found out the package is delivered that I did not order went to an address that was not my address I never lived on XXXX XXXX I did not order anything or open a XXXX account I want this deleted 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 2018-02-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have sent a formal complaint to the Office of the President at Fifth Third and have attach this complaint to detail the exact events. Fifth Third did call and said they would respond by XX/XX/XXXX as requested in my complaint, but I have learned Fifth Third makes promises quite often that they don't keep.

To summarize my complaint on requesting a loan on a vacation home. I was approved for this loan on the 2nd wee k of XX/XX/XXXX. I put in an offer on the third week of XX/XX/XXXX and my loan manager at Fifth Third started the process. I submitted all documents within 24 hours of informing them of the accepted offer. After this point it was one thing after another as you can see in my complaint to Fifth Third. There lack of knowledge for handling a condo, HOA, and vacation home created one delay after another. Around the second week of XX/XX/XXXX I called my account manager and asked him to escalate the issues with management because dealing with the processor and underwriter were impossible. At this point I think I was flagged to fail because things only increasingly went downhill. Two weeks before my close they claimed the unit was considered a condotel. Once i offered supporting information from HOA and building owner that debunks the notation this building/unit operates as a condotel. Then it was some open litigation which again I was able to get the HOA legal department to demonstrate this was normal slip and fall and fall covered under the building liability insurance. This is when I was moved over to the VP in the mortgage department. She felt she could build a case for me and get this moved as a exception and approved. The morning of my close I was told legal and the bank president denied my request. I requested a simple document to present to the seller in hopes to extend my contract stating they refused me based on the " condotel '' and litigation claim, and they stated they would but never did. This decision and the length of time to make this decision has cost me financially because of prearranged travel, purchase of materials, and now needing a hotel at location in an effort to find a solution. To top this all off they promised to respond to me by XX/XX/XXXX but never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I used XXXXXXXX XXXX mail to send a certified letter to Transunion with supporting documentation regarding this bankruptcy on my credit file. I received an email from XXXX that states the letter was delivered, and it was picked up on XX/XX/2021 at XXXX. I called Transunion on Monday XX/XX/XXXX, and spoked with a rep to confirm my dispute letter was received. He stated, it was received and it will take five days to investigate. However, I called back yesterday to speak with another rep, and she stated after checking in the system, that my dispute was never received. I'm extremely frustrated because I'm being told different things from different reps, however I know they received the documents from the tracking number. I want to make sure my dispute is open and re-investigated from the documents I sent. I am going to upload everything I sent to Transunion.

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 2020-06-30
Company: Experian Information Solutions 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 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 {$250.00} XXXX  XXXX {$830.00} XXXX XXXX   XXXX {$350.00} XXXX XXXX XXXX {$32000.00} CHAPTER XXXX BANKRUPTCYDISCHARGED 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 2018-02-02
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax is reporting 4 Fraud/ID theft accounts and even with a police report and supporting documents they will not remove and or block them. These accounts were removed in the past and or now begin re-reported!! The following accounts are fraud!! 
1.XXXX XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX 3.XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XXXX   XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Overview : - Opened a new Checking Account with CitizensBank for Mortgage purposes. CitizensBank had a " Get Paid {$200.00} '' promotion when you open a new checking account with them. 

Promotion parameters : - Open first, new One Deposit Checking from Citizens Bank online between XX/XX/2018 to XX/XX/2018. 
- Make a {$500.00} deposit or more within 60 days of opening. 

What I did : - Clicked through their promotion portal. 
- Opened One Deposit Checking account with CitizensBank using their promotional portal on XX/XX/2018. ( I will include the {$200.00} promotion screenshot when applicable ) - Made a direct deposit within 60 days of opening account and according to my bank statement the first direct deposit of {$560.00} went in on XX/XX/2018 and then another direct deposit of the same amount on XX/XX/2018. 

Waited over 60 days and did not see CitizensBank deposit the  {$200.00} in my checking account. On XX/XX/2018 using the support number provided on the promotion page I called their support ( XXXX ). The support agent I talked to seemed very puzzled, and had me on hold for about 15 minutes collectively as she went to find information on the promotion.I told her at one point that I had the promotion saved and in front of me and if she would want it forwarded to her. She said no and that she was put me on with her supervisor XXXX. XXXX explained to me that they couldn't find the promotion and that they would create a case and forward it to " their '' research department. I also informed XXXX I have the promotion screenshot. She asks me to please forward the screenshots to XXXX. She gives me the case #. I include the case # with the screenshots and was able to verify that she received it on her end. She ends the call telling me a person from the research department should reach out to me within 1 to 2 business days. They did not call me back until XX/XX/2018. And when they did call back the person on the phone only called me to inform me that they could not find the promotion I was talking about. She also made a comment about a promotional code should have been provided to me when the process started, but I remember clearly that I did not see a code presented what so ever in the process. And if there was one, and if it was indeed important to setting up this checking account with CitizensBank I would have made note of it. So I asked her what will happens next? She basically said in a nice way that there is nothing to pursue and that no one was at fault. Needless to say I was not happy with that response. 


They were not willing to make this right and I feel scammed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-09
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a few general purpose credit cards and was denied this particular one, Citi AAdvantage, because of my limited credit history and too many recent credit inquiries. Then they had the nerve to tell me to apply for another card with them after they just denied me because of the inquiries. When I pointed that out to them, I was again told to wait a while -- as if they were waiting on me to die off. 
This is discriminatory. 

My application ID is 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 2021-07-15
Company: Franklin Collection Service, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Amount owed- {$100.00} Collections agency ( franklin collections firm, XXXX XXXX XXXX XXXX ( XXXX ) XXXX Agency sent letters in early XXXX for one or two unpaid sessions. Those were proven to be paid, and I thought this was a closed case. 
The 'medical ' company ( XXXX  ) is an online only therapy support company. My therapist was licensed in the state of Virginia ONLY. When I had an appointment with her I had to be in the state of Virginia, or she could not have the session and be paid. The date of the service in question is XXXX, XXXX, XXXX. First, the company had my credit card on file and charged my account for each session. I never saw an invoice from them. 
Second, on XX/XX/XXXX I was driving to XXXX XXXX, Florida and I have a credit card statement that proves this. 
I have requested, on numerous occasions, a copy of an invoice or some indisputable evidence that I had a session on that day. I have never received anything from them except threatening letters ( see attached ). I have called the agency at least 6-8 times and still have not received any document, period ... except their threatening letter.

Company response to consumer: Closed with explanation