BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I paid off and closed my capital one credit card on XX/XX/2020 due to fraudulent fees being added to the account despite on time payments. My credit score then dropped by over 75 points. I am now unable to apply for other personal and business credit cards due to this extreme reduction of credit points despite the account closing on good terms. I am in dire need of credit score improvement to buy a house due to how dangerous my current neighborhood is and time is running out. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
When I called Ally, the company holding my CD, I was interrogated to establish my identity.  But the questions varied from the usual.  After ginving my mother's maiden name, and all the other usual identifiers, I was asked to identify "XXXX"  something or other.  When I responded that I had no idea what they were talking about, they demanded my social security number, to which I told them I only gave to medical or social security employees.  We had a brief exchange where I gave theme the legal reasons why they could not use my number for their purposes, and suggested they use the same questions the other eight financial institutions used with my accounts: either my birthdate, or the Ally account numbers they had given my account.  I was told no.  UnlessI gave them my number they would not respond in any manner.  Although I had calledoriginally to verify that my instructions regarding federal withholding were being followed,this made me extremely suspicious.  Especially since I had become acquainted with Allyonly through their primary business:  aurto financing at dealerships, with no local addfressat all. I told them that their lack of cooperation required me to close the account and getan immediate refund of funds to put into another bank. They laughed.

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 2022-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Hello, My name is XXXX XXXX. On XXXX XXXX XXXX dollars was stole from my XXXX XXXX debit card and XXXX on the XXXX of XX/XX/XXXX. I called Bank of America Within XXXX hrs of the XXXX being stole. I had went to the ATM on the XXXX to withdraw money And thats when I found the money was gone. I immediately contacted the bank who then Issued me a a new card and their help stopped there. I immediately filed a police report on XX/XX/XXXX. On the XXXX of XXXX after being denied I sent them everything they ask for to DISPUTE their action. I faxed everything they needed on the XXXX of XXXX from XXXX XXXX XXXX here in XXXX, XXXX. They tried to say it was the XXXX but their XXXX Didnt realize the date and time of day and what day are on the fax. I have proof. Anyway, today is XXXX the XXXX XXXX and they have done absolutely NOTHING. I have kept detailed Information on every call Ive made and what Ive done to resolve this matter. They have 45 Days to resolve a transaction Dispute. They clearly are doing nothing. Im not that good at Math but its been 52 days from the XXXX of XXXX if you go by their numbers 58 days is The right number because Thats the day I disputed and thats when I faxed the information They wanted. I HAVE PROOF! They see it to the Date time of day is on the fax. They choose To not do the right thing. They are doing the same thing to XXXX XXXX XXXX Debit card users as they got in trouble for in XXXX Anyway thanks for your time, My name Is XXXX XXXX my claim # XXXX for Bank of America. Im starting a XXXX XXXX to address the actions of Bank of America. Im not alone!! My number 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 2021-09-22
Company: I.C. System, 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:
Don't know who these people are but I responded to a letter sent. They are falsely adding items to 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 2022-02-17
Company: EQUIFAX, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
The FCRA requires you to verify the validity of the item within 30 days. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I am not requesting the itemized bill, I am requesting an instrument bearing my signature.

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA.

By law, if you have charged off a debt, the consumer no longer owe it. You have accused me of owing this debt yet you have had personal gain by writing it off. You continue to report a balance to the bureaus which is inaccurate. In fact, I have no personal gain from this alleged account since it is reporting as closed. You have no right to continue to damage my credit over an alleged debt that you have received gain from the government. " I received your letter & I am the one inputting this dispute. My last one was closed for no reason ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I opened a new account with Regions. 
I have all my cards on auto draft. It was hard to get in contact with anyone at Regions. It was even hard to set up payments over the phone unlike any of my other cards. I tried on several occasions to set up auto payment unsuccessfully with this company. Then I received a notice of a 30 day late on my credit. I was affected like most during Covid and explained the customer service and hard to set up automatic payments. I sat on the phone after talking to several representatives and one walking me through the process to set up auto payments and understood my frustration. She said she would put in a dispute to have removed. I received response 30 days later they did nothing. I have had XXXX of my new credit cards close my account because this late brought my score down because Im new to credit. XXXX card decrease my balance. I need this removed from my credit. I HAVE never been late on anything they can pull my credit. I couldnt set up auto payments because of their system and hard to get in contact with anyone. I need the 30 day removed from my credit, the representative agreed also but I received notice they were keeping the 30 day. System issues on their end, and hard to speak with representatives shouldnt be my fault. The representative that took the time to help me was over XXXX hour.

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 2017-07-11
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I graduated in 2006. I had XXXX XXXX in loans when I graduated. in XXXX 2006 a month after my repayments started, XXXX XXXX charged me {$710.00} in Capitalized interest along with a repayment fee of {$320.00} for EACH loan. This totaled {$7300.00} in FEES! I noticed there was an issue when XXXX XXXX told me I was not paying my minimum monthly payment. Due to these fees- and not notifying me of them- my minimum monthly payment had increased and I was unaware. It was a hit on mine and my fathers credit report. I told my Dad who was a cosigner to my loans. He logged into his account and saw no changes to my account. For years this was an ongoing battle with my Dad over how much I actually owed. Early this year I called navient and they told me my original Loan amount was upwards of $ 80k. My Dad dug into his files and found payments and details of loan applications and statements. XXXX XXXX Navient charged me a fee to repay their loans. {$7300.00} to be exact. This is not including the interest I have had to pay on the fees! I have been paying my loans for 11 years and I still have {$41000.00} left when I started at XXXX XXXX. This is discouraging and misleading way for a company to handle student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
Credit bureau is in violation of FCRA act by taking longer than the allowed time to correct 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 2017-07-11
Company: EQUIFAX, 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 have a  XXXX   XXXX  account on my credit file that does not belong to me. I have disputed this account for many years as a case of identity theft. It was removed by all CRA except Equifax who has been doing a shoddy investigation or nothing at all. Equifax kept putting this derogatory item on my credit report regardless of the fact that   XXXX   XXXX   can not substantiate this claim that I ordered anything from them.  Below is the way they posted the record on my Equifax file. If the account was closed and charged off in  XX/XX/XXXX , why is it been charged off again in  XX/XX/XXXX ?    I believe Equifax is more interested in messing up people 's credit profile than helping them correct erroneous entries.   I have recently contacted   XXXX   XXXX   again with a completed identity theft form notarized and mailed to them. Please, I need help with Equifa x 81-Month P ayment History Year XX/XX/XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   Back to TopBack to Top

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Dear Credit Reporting Agency : Greetings. 

I am writing to dispute the following information that appears on my [ TransUnion, XXXX, or XXXX ] consumer report : XXXX XXXX SS. XXXX DL XXXX Dispute All Inquires below from the following Lenders or Institutions was made fraudulent, please delete immediately - 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX For the Following Reasons : No Authorized No Recognized Sincerely, 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 2021-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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: Investigation took more than 30 days

Complaint:
On XXXX I sent a letter of verification to all three of the credit bureaus asking them to verify that all the account that I listed in the letters were correct and I would like for them to send me how the accounts were properly verified. I don't feel as if I am liable for this debt.

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 2021-09-22
Company: U.S. Auto Credit Corporation
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For the last 6 years I have asked this company to remove this from my credit as well as I have disputed with the agencies they are reporting as us auto credit and XXXX XXXX  on my report when called and asked about the information on the account I sac told this is from a place called XXXX XXXX XXXX that is closed and does not have any information the original contract that was signed or documents the address they have for me I never even lived they have nothing they can provide me to help me investigate or for them to be reporting on my credit as a charge off as well as still reporting Late payments with the account being this old they are rude and will not assist me also they are reporting twice separately on my credit once as auto credit and once as us auto cr then I sent a complaint XXXX to the incorrect information asking for original contract with my signature etc also for them to remove the fact it shows up as two different accounts us auto credit and XXXX XXXX XXXX XXXX and still do neither

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XXXX XXXX, 2017, I made two transactions. Both were selling Bitcoin. Both were for the same amount of {$140.00}. I received one deposit to my XXXX XXXX for {$140.00}. I never received the second amount of {$140.00}. I have sent coinbase over 10 emails. I had one replies from bot emails, but not one person has attempted to help fix my issue. I have copies of the transactions, and screenshots also. I have attempted to contact them via XXXX and have received NO replies. I want my {$140.00}. Coinbase has been growing to fast and cutting corners. They claim they have too many people submitting problems, but its been exactly one month and I have yet to have them contact me to resolve my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: T.S. Holdings
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, There's a collection company called IQ DATA that has been contacting me via telephone about a debt I have no knowledge of. The first phone call was around XX/XX/2021 in which I explained to the representative that I've never had an account with their so called client ( XXXX XXXX XXXX ) which is the original creditor. They asked me if I ever lived at the address where the account was originated in which I told them " NO ''. I recently seen that IQ DATA is reporting that I owe this debt of {$140.00} to the credit bureaus XXXX XXXX XXXX. I sent IQ DATA a letter asking them to send me a description of the services and charges or anything that proves this account belongs to me and they responded with a letter stating I need to send a police report claiming identity theft, a government ID & proof of residency. I do not want to send personal information to this company, I never filed identity theft because they never sent any validation of my social security number or birthday being used, there's hundreds of XXXX XXXX and they have the wrong one. I do not owe any monies to IQ DATA or XXXX XXXX XXXX. and I would like for IQ DATA to remove this inaccurate account from their records as well as my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: CREDIT ACCEPTANCE CORPORATION
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: Account status incorrect

Complaint:
I had an arrangement with Credit Acceptance starting in XXXX that I could pay a lessor amount for the month until XXXX when I sold my house. They accepted the offer. Then in XXXX I sold my house and paid the ENTIRE balance of the account. Then XX/XX/XXXX they reported the entire balance of {$13000.00} delinquent. Then on XX/XX/XXXX they reported another delinquent amount of {$310.00} giving me two hits on my credit report when the account has been paid off for almost a month. I contacted them and they said they couldn't resolve my request unless I put it in writing. So this is my request in writing to resolve 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 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
The information is being reported incorrectly : XXXX  Account # : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account # : 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 non-monetary relief
Consumer complaint received 2021-09-22
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I did not authorize the following inquiries. PLEASE DELETE. 
XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX I have filed several complaints with Equifax, FTC and CFPB. These should NOT be on my credit report. DELETE all three inquiries, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hello! In XX/XX/2019 I received a promotional offer in the mail directly to me with my name and address on it for a Bank of America checking account. In the offer it stated to go online to www.bofa.com/XXXX  and I could see if I qualified for this account. I went to the website, filled out the necessary information and was asked to fund my account with a credit card. I did all that and I was approved! Great, so far so good. I read the terms on exactly how to " get {$300.00} '' from Bank of America. They stated I needed to set up direct deposit and have a total amount of at least {$4000.00} within a 90 day period. I did all of that with all of my checks being direct deposited into this account. Now here is where things get tricky ; I never received any confirmation from Bank of America saying I would receive the {$300.00}. I never received a check in the mail. I never received any money in my account. It has been a while since I have completed their requirements for the offer. So I called them today on XX/XX/2019 and discussed this with the lady in " promotions ''. She stated she would ask another department and they could not verify my address and a list of reasons why I would not receive this {$300.00}. It seemed odd that BofA would offer a promotion that they would not pay. So I informed her that I would be submitting a complaint with the CFPB about this because it seems like a huge scam and a way for BofA to get more money from people without paying out on their promises. She stated she had submitted a complaint on my behalf and gave me a reference number of XXXX. 

I do not trust her at all, so I am here writing my own complaint. Thanks BofA for your sketchy business practices, this gives me no confidence in your bank.

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 2021-04-14
Company: Experian Information Solutions Inc.
State: CT
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I sent a letter of verification to all three of the credit bureaus asking them to verify that all the account that I listed in the letters were correct and I would like for them to send me how the accounts were properly verified. I don't feel as if I am liable for this debt.

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