BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-28
Company: HireRight Solutions, Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There's information on my background check from over 7 years ago that is being sent to possible places of employment and getting in the way of me securing a job and providing for my family. This most recent incident is putting a hold on my employment with a company and the general manager of the company has emailed them every day and asked if I ever received any correspondence in which I received a letter saying that my conditional offer of employment may be revoked because of the outdated information. 

The agency that reported the outdated information is XXXX XXXX XXXX XXXX, a HireRight company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent notices to XXXX, Transunion, XXXX about reporting a collection without no proper validation that it belongs to me or that I have a legal obligation to pay this money to this collection company. I have requested from all 3 Bureaus valid documentation that I am legally responsible to pay said collection company which they all have not furnished or obliged my request but still continue to report this on 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 2019-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I went to Bank of America in XXXX, CA  to cash a check for {$500.00}. I was told that they could release {$200.00} cash and out a hold on the remaining amount. The money that was on hold was never received. I contacted the branch on several occasions and was told that I took the check back and that they didn't have a record. I was directed to the fraud department and was advised that they could see that a transaction did take place, but they were unsure as to what it was. I spoke to the branch again, and they even told me that they didn't give me {$200.00} from the check. I contacted the owner of the check and received a copy that the check had been cashed. I took a copy of the cleared check to the bank and mysteriously, the branch manager XXXX XXXX said he sees 3 transactions but can not confirm how much money was released from the check. The same check, that he denied me cashing, prior to me showing a copy of the check clearing the check owner 's account. He also stated that he has the transaction history, but could not release that to me He did confirm that there was a hold on the funds in transaction # 2 that there was a {$300.00} hold. But on transaction # 3 they gave money but doesn't know how much but he is assuming it was the whole {$500.00}. At this point, they can not prove they money they gave me and the are refusing to provide me with the transaction details. What the bank has is not what is available online or what their fraud department is available.

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 2023-11-21
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXXXXXX 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 2019-08-06
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX American Express Accepted over {$12000.00} Funds in my account ( not from me ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Purchase were made on my card in the amount of {$14000.00} with those funds ( which later turned out to be from a field agent scam ). Merchandise purchased and XXXX XXXX and XXXX sent XXXX Funds Deposited turned out to be Fraudulent. American Express did not validate my identity at the time of the deposit. I would have never accepted or spent stolen money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX, I opened a checking account with US bank and made a deposit of {$1500.00} by a check from my byline bank account. However, the check was returned on XX/XX/XXXX, because XXXX XXXX made a mistake to reject the transfer of {$1500.00} from my saving account with it ( when I had {$2300.00} in my account ) to my checking account with byline bank, which was supposed to cover the check that I deposited with US Bank. 

The check returned caused my checking account with US bank to be - {$19.00} because it charged {$19.00} fee for the return item. On XX/XX/XXXX, I deposited {$20.00} in cash to bring the balance to positive. On XX/XX/XXXX, also I deposited {$600.00} in cash and {$2300.00} by check to the account. So the balance in my account has been {$2900.00} since XX/XX/XXXX. 

On XX/XX/XXXX, US bank informed me that it was in the process of closing my account because of the suspected irregular activities and ATM and debt card were disabled ( I couldn't withdraw any money from my account and it also blocked my access to my account online ) but it would send me a cashier 's check for the balance ( {$2900.00} ) within 15 days once the deposit items were verified, which should be before XX/XX/XXXX since the {$2300.00} check was cleared on XX/XX/XXXX. 

On XX/XX/XXXX, when I got the letter from the bank, I went to its branch to show the evidence to prove that the check returned was caused by emigrant direct 's mistake and I had no fault on it as it was totally out of my control, but the bank said there was nothing it could do to stop the process. 

On XX/XX/XXXX, when I needed to use the money, I went its branch again and it told me that it had closed the account and sent out the check of {$2900.00} on XX/XX/XXXX. 

On XX/XX/XXXX, when I didn't get the check that US bank told me was sent out on XX/XX/XXXX, I called US bank, but it told me that my account was still in hold and they didn't know when the process would end exactly. 

It didn't do anything wrong. I never had any negative banking or credit history and US bank knew it, but it closed my account based on a mistake caused by another bank and froze my account since ever for no reason ; I never owned it money.

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 2019-06-07
Company: Prosper Marketplace, Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a loan, which I already have a loan with, and they told me it would not affect my credit score and offered me a low rate after I entered my income of XXXX. I have a XXXX and a XXXX and they told me after they approved my loan that they could only count one of  my income, therefore dopping my income down to XXXX, XXXX therefore forcing me to take a higher interest rate, mush higher than the one ai current ly have with them. and my credit report was dinged for nothing. This is a bate and switch. These are illegal sales practices.

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 2022-11-03
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2019-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There are several accounts falsely reported to my credit report. I complained to the FTC, and directly to the credit bureaus. I submitted copies of my DL, SS Card, Current Bills, ETC all to prove my identity. I asked them to match the signatures on my DL with the signatures on the accounts falsely opened in my name. XXXX XXXX XXXX for XXXX and XXXX There's alot of inaccurate information constantly reporting on my credit report due to the compromise of my identity, I recently disputed all the accounts inwhich are hindering me to obtain my true credit report. I have demanded that the 3 major credit bureaus to block the accounts from my file. Somehow their response was that the accounts been verified. Well that's the nature of a good fruad for something to appear true but under the surface it's not. So with that said there's no way that their investigation could have accurately proven to be correct and true. I'm now demanding that Transunion, XXXX  and XXXX  provide me with their Method of Verification into this investigation, as of my consumer rights as outlined with the FCRA, if this is not provided to me I will then file with the FTC and/ or file a suit. I would attack each and every creditor but it's not there doing it is the doing of the reporting agencies for reporting and not doing their due diligence before attaching information to people 's file. I'm demanding physical cerfied documentation for the following accounts, I also want the names and title of each employee inwhom worked and investigated these accounts. I want to know inwhom did they speak with and by what means of communication did they use. What date, day, and time. All and everything to do with these accounts if not then the 3 major credit bureaus must delete, remove, and block the accounts immediately as stated within the FCRA language. The accounts are XXXX XXXX XXXX for {$700.00} and {$5400.00} both for XX/XX/2018 XX/XX/2018

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 2023-07-11
Company: ProCollect, Inc.
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: Account information incorrect

Complaint:
I submitted a dispute with XXXX, XXXX, and XXXX  against Pro Collect. My dispute is that a collections account is still reporting on my credit and it is past the statue of limitation for Texas. 

XXXX- Didn't even reinvestigate the dates XXXX- Didn't even reinvestigate the dates. 
XXXX  - Pro Collect submitted a copy of the original contract but didn't remove it from my credit file. 

All three companies are only investigating the account ownership. I am not disputing ownership. I am disputing the fact that its an old collections account and past the statute of limitation. The original date of first delinquency is XXXX. The statue of limitation would of expired XX/XX/2023.

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 2017-11-16
Company: Financial Credit Service, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I got a letter from XXXX XXXX in The state of XXXX. Who bought my old credit card debt from XXXX XXXX . The debt is not even on my credit report anymore. They said I owe over {$5000.00} and want me to pay the whole amount or will do a judgement against me. The debt I did have with XXXX XXXX but the debt is 9 years or older.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: COAST PROFESSIONAL INC
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My paychecks are garnished by Coast Professional ( XXXX ). It has been impossible to obtain any loan information from them. It has made it impossible to even know what my outstanding balances are, to make any additional payments, or negotiate a repayment option. It has been almost three years of my paycheck being garnished with no real correspondence. I would like to know what my balances are and to rectify the garnishment. Since it has been almost 3 years, I am pushing harder for a loan breakdown. 

XX/XX/XXXX- I emailed the agency : Coast Professional asking for loan information. I received an email read receipt on XX/XX/XXXX by ( XXXX XXXX ( XXXX ) and again on XX/XX/XXXX by XXXX XXXX ( XXXX ). No one has contacted me or provided any requested information. 

XX/XX/XXXX- I contacted them on - trying to see about repayment options and received no response. 

XX/XX/XXXX- tried to obtain itemized list of loans, balances, and pay-off amounts. I contacted them quite a few times and tried various govt contacts to try and receive intervention/assistance. 

XX/XX/XXXX- received Wage Garnish form

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 2023-07-07
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that these inquiries were erroneous. The Credit Bureaus must verify these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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 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 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 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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:
XXXX has been non-compliant with removing the unverified account BANK OF AMERICA which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that BANK OF AMERICA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2021-06-09
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
There are some creditors on my credit report that are not mine, or don't recognize. Additionally, there are addresses reported that do not belong to me. Please remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I attempted to add my XXXX XXXX XXXX XXXX account to Venmo on Saturday XX/XX/XXXX, and I received an error. I reached out to Venmo support who refused to help me add the account manually. I then tried to use XXXX to add my XXXX XXXX account to the app on XX/XX/XXXX, and this was also denied as " something went wrong. '' I currently have {$220.00} sitting in Venmo that I am unable to cash out. Venmo is holding my funds hostage and I need to cash the money out to a personal checking account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I applied for and obtained a {$500.00} secured credit card ( ending in XXXX ) around XXXX. I misplaced my card and got a new card that I never activated and had a XXXX balance. I received an email late XXXX from a credit agency alerting me that my credit score had dropped severely. I was told because of non-payments with my credit card. I contacted Wells Fargo and was told that I had an outstanding balance of {$510.00} and that my card had been cancelled and the {$500.00} security had been used towards my balance and I owed them {$14.00}. I objected and informed them how could this be when I never activated the card and it hasn't been used not even once. I was then informed the fees was because of an overdraft facility for one of my other accounts and that I had agreed to have overdraft protection for my checking account tied to secured card. I informed them I never agreed to any such thing and that I wanted a full refund of my {$510.00} secured card and to have the items removed from my credit report. I was forwarded to the " executive office '' and had a case # XXXX with a gentleman named XXXX. Wells Fargo and I have been going back and forth to my dissatisfaction. I was offered {$140.00} credit along with {$50.00} good will several times and to which I have refused. 

Wells Fargo informed me back in the first quarter of XXXX that they were going to contact me as the case was sent to investigations department. I called them today and was told the case was resolved in XXXX and that I owe {$14.00} but that they will credit me {$140.00} and a {$50.00} goodwill. I inquired as to why I wasn't being refunded the entire {$500.00}, I was informed that because I paid the overdraft fees in the past, I basically accepted the overdraft protection fees. I informed the agent that I had several accounts with the bank and that when a person sees there account in the negative, they pay the outstanding fees and that's all I did. I never knew, agreed to, or was aware that I was paying overdraft fees or that my secured credit was being charged these fees because I never activated the card.

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