BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-10
Company: Bread Financial Holdings, Inc.
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone opened an account fraudulently in the name of XXXX XXXX on XX/XX/2018 with Victoria 's Secret ( Comenity Bank ). When account was learned of, a police report was filed, identifying the fraudulent account with Victoria 's Secret. The police report and personal identifying documents were provided to Comenity Bank as part of a dispute of the fraudulent account. When Comenity Bank determined the account was valid, a request for file disclosure was made as allowed by way of the FCRA and FACTA. However, the only information provided by Comenity was the date of account opening and the name of which it was opened. This does not constitute file disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Due to a catastrophe, my girlfriend and I were displaced from our home. We were put in an apartment ( XXXX XXXX XXXX XXXX, XXXX, GA ) for a little over 2 months. The cost of the apartment was covered by our homeowners insurance ( XXXX ). After our home was fix, we moved out of the apartment and back into our home. We were send a final invoice which was forwarded to our insurance company and subsequently paid. A month after moving back into our home, we received a letter from IQ Data International requesting we pay {$540.00}. I was very surprised by this because our insurance had paid our rent and no one from the apartment management tried to contact us. My insurance will not pay this debt unless it can be validated by IQ Data International. When contacted by IQ Data International, I ask if they could provide an itemized ledger to show which month 's rent and/or charges were underpaid. They could not provide this information. It has been almost a month since we were first contacted by IQ Data International and they have not provided an itemized ledger to validate the debt. Furthermore, they have threatened that this is appear as a negative item on my credit score if it is not paid.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My primary checking account with Bank of America had a balance of {$40.00} and a scheduled payment of {$34.00} was debited on Monday, XX/XX/XXXX which left a balance of {$5.00} in which I transferred to my joint account. This transfer left my primary checking account with a XXXX balance. However, that following day ; Tuesday, XX/XX/XXXX my primary account was debited for {$400.00} which resulted in an overdraft plus a {$35.00} return item fee. On Wednesday, XX/XX/XXXX, the {$400.00} was returned and my balance was a negative {$35.00} then later on that day, BOA reversed the XXXX payment and placed it in a continuing processing status, applied the {$34.00} to the {$400.00} overdraft reducing my overdraft balance to {$370.00}, then placing the XXXX charge of {$34.00} back to my account so that they could attach/profit from an additional overdraft/insufficient funds fee of {$35.00} leaving me with {$70.00} in fees - so far. After speaking with an account representative and informing her of how BOA changed my transaction postings and the fact that I was fully aware of the order in which they should be posted ; she attempted to explain further and I explained to her that I had pictures of the transactions as well as their dates. She stated that on her end, she could not see what I was speaking of and kept telling me that the XXXX transaction had cleared on XX/XX/XXXX and I kept telling her that it was still showing as " processing '' but was debited from my account on Monday, XX/XX/XXXX, then reversed and held to allow the {$400.00} to be processed - so again ; I offered to provide her with the pictures of the transactions but she stated that they could not accept pictures. Both of these items were ACH items and the XXXX item was dated for XX/XX/XXXX and the {$400.00} item was dated for XX/XX/XXXX. Then she stated that it was probably because I was using my mobile device and I told her that I was not as the information was displayed on my laptop. She then proceeded to place me on hold to review my account and see if I one of my fees could be waived but then told me that based on my relationship with BOA ; this could not be done. This is not the first time that I 've had a similar issue with BOA and they tell you the same thing every time but continue to rip off their consumers. I then informed her that I already sent a complaint to the Bank and will also be filing additional complaints because I felt as if this was unfair.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Fraudulent charges were reported by me to my bank ; These were charges from XXXX XXXX and were made through my phone account. I was given a temporary credit. The bank, Bank of America later said that they investigated the charges and denied them. I appealed their decisions and gave them information from my phone company XXXX with the information that I had attempted to resolve the matter with my phone service provider. It took months and again the charges were denied.

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 2017-10-04
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:
This is a utility account open XXXX XXXX. I did n't open this account, however I paid it in full in the early months of XXXX, I believe it was around XXXX or XXXX XXXX account had an outstanding balance of {$71.00} dollars. I paid it because at that time I was buying a house and it was an outstanding negative balance on my credit profile. 

The credit agencies are still showing this as an negative account. I disputed this account with the credit reporting agencies and I guess they must have contacted the utility company and the company says this account is still showing not paid and as a charge off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Capital Accounts, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Have sent a letter and three emails asking for validation of this debt. Asked for signed contract and proof they legally had right to collect debt, along with bill of sale. Have not received any of the aforementioned documentation. The only item that was mailed in response to my request was a two sentence letter advising how much interested has accrued. No proof of the account has been supplied what so ever. Informed company on my third request that I would be reporting them if continued collection efforts without supplying documentation, I received another collection letter yesterday, still no documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company has filed a record on my credit report. I have no knowledge of it since they did not mail me anything. They might have violated FDCPA by not notifying me. I am afraid they have stolen my identity. 

I have no made business with them and I do not owe them anything. 

Please get a cease and desist from me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: ERC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
UKNOWN ACCOUNT WAS OPENED ON XX/XX/2015 IN THE AMOUNT OF {$290.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
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: Their investigation did not fix an error on your report

Complaint:
I disputed the error with Transunion, and they stated that the information was verified. I know this in not true because I called the XXXX myself and they stated they do not confirm Bankruptcy. After contacting Transunion numerous times about reporting a Bankruptcy on my credit report they refused to remove it without verification. The XXXX XXXX of Georgia does not verify Bankruptcies. I called and spoke with the court and she stated they do not confirm Bankruptcy to the credit bureau 's. I feel Transition is violating my rights, by reporting information that they can not verify.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 purchased a XXXX XXXX XX/XX/XXXX and due to mechanical issues that car had to be turned back to the dealer to give me a new vehicle. It took 30 days for this to happen. Without my knowledge and being present the dealership ran my credit a second time onXX/XX/XXXX. I brought this to the dealership 's attention and they have removed their double inquiry from my credit report from XX/XX/XXXX but XXXX XXXX has not. I did obtain a letter from the dealership regarding this issue but nothing has been done to remove this hard inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: General Motors Financial Company, Inc.
State: NY
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 purchased a XXXX XXXX XX/XX/XXXX and due to mechanical issues that car had to be turned back to the dealer to give me a new vehicle. It took 30 days for this to happen. Without my knowledge and being present the dealership ran my credit a second time on XX/XX/XXXX. I brought this to the dealership 's attention and they have removed their double inquiry from my credit report from XX/XX/XXXX but GM Financial has not. I did obtain a letter from the dealership regarding this issue but nothing has been done to remove this hard inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-10
Company: Global Lending Services LLC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Global Lending Services is refusing to report my account correctly after multiple calls and emails as well as letters from my attorney with legal bankruptcy documentation included for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: EQUIFAX, INC.
State: GA
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 have contacted Equifax several times pertaining to some inquiries I did not authorize. Equifax informed me to contact the creditors, but the creditors sent me back to Equifax. Equifax later reported once I called back like the fourth time that an dispute will be made for the inquies and they should fall off within 30 days and that was in XX/XX/XXXX. I called back in XX/XX/XXXX and was informed the inquires duspite was submitted wrong, so she was going to re-do it. Just for me to call back this month and they are stating they can not delete inquiries. I did not authorize these inquiries. I had put fraud alerts on all three credit bureaus, just for them to give me the run around. I have spent hours on the phone trying to get this issue resolved and they are not doing anything to assist, besides coming up with different lies to tell. I would like these inquiries to be removed.

* XXXX XXXX XX/XX/XXXX * XXXX XXXX XXXX XXXX XX/XX/XXXX * XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: SUNTRUST BANKS, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Suntrust foreclosed without written notice. 
I have enclosed the actual notice that was received 5 days after the home was foreclosed on. 
I have enclosed the time stamps on the post offices letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: 1 STOP MONEY CENTERS, LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/2017 at XXXX I ( XXXX XXXX ),  spoke with a XXXX at XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX 1st party collections office, I started the call by asking her if this is an attempt to collect a debt, she verified it was, without giving me the mini miranda, i then asked for a transfer for her manager to confirm of the violation, she sent me to the general manager " XXXX '' who advised me they are are 1st party collections and they don't Follow the FDCPA, I want to confirm if this was true or not? Also on the SAME CALL the general manager XXXX gave me Misleading information and literally said " since you have not paid this loan back yet, we are SUING you '', she actually said that threat over the phone, now i'm aware that collection agencies have the right to go to small claims court..however the reason why she gave me misleading information was because on the point of the call the account was still in collections and i was actually calling in to make payment arrangements ( i was only a month behind ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo " told '' my Banking Institution about not releasing funds on two checks  deposited into my account. I deposited on XX/XX/19 and my " X '' bank placed a hold " post-deposit '' on XX/XX/19 based on Wells Fargo information. 
Wells Fargo had until the XXXX to respond if funds will be released to " X '' bank. Account holders from Wells Fargo that gave me those checks have had funds taken out from their account posted XX/XX/19. 

It is now the XXXX and nothing has been released. 

Wells Fargo had closed my account after being a customer for 20 years with no reason. 
Now I feel Wells Fargo may be basing these decisions on my ethnicity and gender, and maybe the ethnicity of the makers of checks since we are all XXXX. 

I have been with " X '' bank for approx. 25 years and only have problems with Wells Fargo checks since they closed my account after 20 years. ( 4 years ago. ) I have gone in to Wells Fargo to cash checks. Always telling me to stand aside while they take my ID and wait a minimum 15 minutes only to ask why I was given these checks, and still continue to wait for a " decision ''. These checks are same amount every month. Wells Fargo always makes me feel as if criminal to cash checks. 
Does Wells Fargo have to decide FOR the Maker of check if I am worthy of monies owed? 

Wells Fargo does not want me to cash or deposit checks without making it an 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 2018-01-25
Company: Negotiation Credit Services, LLC
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I signed up with Negotiation credit services for Debt consolidation credit counseling services, I had sent them over XXXX toward my creditors. I had got this email, Hope all is well. We are reaching out to you and all of our clients to let them know that as of XX/XX/2017, Negotiation Credit Services has merged with XXXX XXXX. We have been attempting to contact you for at least 3 weeks, its very imperative that you give us a call back at XXXX, so that we may give you more information regarding this recent change and added benefits this merger can provide. We look forward to speaking with you soon. Have a great day. 

With Regards, XXXX XXXX I had contacted them they had another person contact me from XXXX, saying that they were now handling my account, that I would be receiving a check in the mail for my XXXX and that I was to deposit in my account and then they would be taking that amount out again, they also had been taking the amount of XXXX per month. In may I receive a call from a lawyer claiming that this company had been seized and all companies associated with this company were now in the hands of bankruptcy and fraud. I have lost my XXXX that I had paid into that company and I want that money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
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:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have sent 2 letters by certified mail, return receipt to Transunion. The first letter was dated XX/XX/XXXX return receipt # XXXX, requesting for the method of verification they used to determine the items being reported on my credit report were mine. Transunion received and accepted my letter through registered mail dated XX/XX/XXXX. To date I have not received a response. A second letter sent datedXX/XX/XXXXreturn receipt # XXXX, stating notice of intent to file a complaint with the FTC and CFPB was received and accepted by Transunion datedXX/XX/XXXX. To date I have not received a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX. I have contacted XXXX XXXX, XXXX, XXXX, and Experian. About a XXXX  XXXX Bankruptcy. I told them under US Bankrupurcty courts. The court do not verify and do not report to the credit the credit bureaus. I just want the information on my public record to be remove.

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