BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2017 a deposit was made in my Capital One 360 checking account. The deposit was a mobile deposit by my brother in law. It was a personal check paid to him for services rendered in the amount of {$750.00}. This account also gives the ability to link other accounts so that I can manage multiple accounts including non capital one accts, in one place. After 2 or 3 days a hold was placed on my account as well as all the accounts linked to this acct. All funds in all accounts were frozen. I was ordered to call a number and was eventually routed to the fraud department. I explained as well as I could the circumstances surrounding the deposit. The agent asked that I have my brother in law call. According to my brother in law, he called spoke briefly about where the check had come from and their hesitancy to clear it. My brother offered for the return of the check so he could cash in bank.They stopped talking to him when it was learned that he wasn't primary acct. holder. To this date, almost 4 months later the deposit is held and accts haven't been released.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The reason I am writing to you is to inform you that This Company is not Adhering to Credit reporting laws in my Case. I sent my identity theft dispute to this company on XX/XX/XXXX. With my dispute, I attached all the relevant documentation to prove to them that I am A VICTIM OF IDENTITY THEFT. I know the law give this company around 4 to 5 days to completely block all fraudulent information from my report but until now, this company is still showing those fraudulent accounts. For yet another time, My personal information was compromised and as a result, fraudulent charges were included on my accounts without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my accounts Below are the fraudulent charged accounts that I need to be removed Asap : XXXX XXXX XXXX, Account Number XXXXXXXXXXXXX, Date Opened XX/XX/XXXX XXXX   XXXX, Account Number XXXXXXXXXXXXXX, Balance {$10000.00}, Date Opened XX/XX/XXXX XXXX XXXX, Account Number XXXXXXXXXXXX, Date Opened XX/XX/XXXX XXXX XXXX XXXX   XXXX, Account Number XXXXXXXXXXX, Date OpenedXX/XX/XXXX I am attaching Required Documentation to prove that I am a victim ; 1. The letter I sent to this company as my dispute 2. My FTC 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 2017-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX, XXXX My sister and myself went in a XXXX store located on so that I could pay for a phone ( unlock ) I was using on her account. I payed XXXX to have the phone unlocked, so a day after the transaction I got an email that said the phone could not be unlocked. Again I summited to have the phone unlocked and again I was denied. So I called XXXX directly and I was told they was not going to unlock the phone until my sister 's account return to a zero balance. So asked for a refund of my money and XXXX told me that, they was going to take my money I used to unlock the and apply it to my sister 's account. Under no circumstance was I going to get my my money back. The same day I called Bank of America to have them retrive my money. BoA put a credit on my account while they work on my claim.The following month on XXXX XXXX, XXXX, I payed XXXX ( XXXX ) again to unlock my phone because my sister 's account was at XXXX. Unknown to me BoA has not resolved my dispute and now they want their credit to my account back.And the first response from BoA was that XXXX has giving them proff of services rendered, but phone was still not unlocked. So I 've given BoA the emails that show that XXXX did not unlock my phone when I payed them the first time in XXXX. Now BoA is telling me that they can not get my money back from XXXX myself.

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 2021-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
TransUnion updated my credit score -46 points, but the only thing that changed on my file was a {$4.00} increase in One credit card account and a {$20.00} decrease in another credit card account. Despite my on-time monthly payment lowering my debt last month by {$16.00} and my credit score went down 46 points In other words if my debt goes up {$4.00} a month TransUnion drops my score -50 points, then when I reduce my debt by hundreds of dollars each month my score would increase 3-6points. This shows a pattern or practice of irresponsible financial practices and needs to be stopped

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 2018-04-08
Company: EQUIFAX, INC.
State: MN
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:
Their company has ignored my request to provide me with documents on their file that they used to verify the account I disputed. ( XXXX XXXX XXXX ) {$0.00} balance ( charge off ) I've written them multiple times, and they still can not verify my account. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified. Please resolve this matter as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
The following credit card accounts thats currently listed on my XXXX, XXXX and Trans Union credit report are lost/stolen and all the charges and transactions are fraudulent and unauthorized : XXXX XXXX, {$2400.00}, XXXX XXXX XXXX XXXX, {$1800.00} and XXXX XXXX, {$1200.00}

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 2018-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Failure to provide Credit Reporting Agencies the required disclosure " notice of dispute '' within the 30 day time frame.

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 2019-04-11
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
this account was closed due to a major discrepincey with the provider after i lost my phone i was not allowed to file an insurance claim and was told to pay for a completely new device the ceo was contacted and the account was closed now a third party has the account and ive made arrangements directly with XXXX to have this discharged the third party when dealt with can not provide proper debt validation and therefore is in violation of policy of the fcra

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 2017-11-30
Company: Suttell, Hammer & White, P.S
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Multiple FDCPA Violations by Collection Agency and  lawfirm Suttell & Hammer. This agency is attempting to collect charges for a fraudulent account opened with XXXX XXXX XXXX. This is identity theft yet they claim this account is verified by XXXX XXXX. I dont see how that is possible since XXXX XXXX deleted the first of two fraudulent accounts opened in my name and I have submitted all my notarized affifavits and police reports, clearly stating this account is not verified because I am swearing to the fact it is fraudulent. 

Violations : Suttell sent me company letterhead yesterday which was their response to my BBB complaint on them. In the letterhead they admit to mailing my personal information related to debt collection and lawsuit to a different address on my street where I do not live. 

Suttell advertises as being lawyers uet their website clearly states they are debt collectors. 

On the pending lawsuit court paperwork filed with the district court, the official court website shows my case number and XXXX XXXX as the Plaintiff with their lawyer name underneath. Funny thing is the lawyers name is also an employee with Suttell & Hammer Collection Agency and listed on their website.
I have notified Suttell & Hammer as well as XXXX XXXX via XXXX clearly that this is not my debt and supplied all my official reports. I simply wish the fraudulent account to be deleted in order to not have to seek legal assistance for the clear violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
We have several email correspondence about this matter. we have several calls as well regarding the call 's, text, and request to pick up the car and they've yet to pick up the car, provide the title for the car, give any information regarding the next step of the process and this is driving me crazy. I am XXXX in the military and as I serve my country this is the last thing I need is to be dealing with this mess. We have done all we can to get this matter handled and they are penalizing me credit-wise, refuse after several made appointments to pick up the vehicle and I can't keep trying to handle this matter on my own.

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 2018-04-08
Company: Ocwen Financial Corporation
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Ocwen has made an attempt to call me around XXXX, Saturday, XX/XX/2018 - this is in regards to collect a debt. Any information will be obtained and used for that personal business matter - however, if I remember correctly, we are on a balloon plan with them, so with that being said, this $ XXXX amount of debt owed, does NOT have to be paid, until the balloon payment plan that we are on, is settled and paid off. They call me once every month to remind me that the amount of the $ XXXX debt is owed, yet, we are in the mist, of trying to keep other bills current, and paid. But also last time I checked, we are current with the mortgage payments, so why are they still harassing / bugging for $ XXXX worth of late / misc. charges?

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 2018-04-08
Company: Leopold & Associates, LLC
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
In XX/XX/2017 I was hand delivered a legal Foreclosure Notice by a debt collector in New York State. The Plaintiff is identified as XXXX XXXX XXXX XXXX XXXX ( XXXX ). The debt collector is identified as the " law Firm '' attempting to Foreclose on my property. 

I am questioning if the debt collector bought the debt can he legally use the bank 's name as the Plaintiff on the Foreclosure document? 

Second question is if he didn't buy the debt, must he obtain authorization from XXXX  to pursue the Foreclosure action in court or can the debt collector file the Foreclosure document on his own and be the beneficiary of owning the home if his court case is decided in his favor? 

Clearly, foreclosing on a home is not collecting a debt, which is monetary. 

I'm in court right now, since XX/XX/2017, fighting the Foreclosure.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
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:
Hi my name is XXXX XXXX and there are fraudulent credit inquiries on my credit reports that I have contacted the credit bureaus about before but it looks as if the companies told me they remove them but actually didn't. I am requesting that all credit inquiries that I have listed be removed off my credit file as I have been a victim of identity theft since XX/XX/XXXX at which point my ex husband was deported for using my identity as well as my sons. Please remove the following credit inquires as they do not belong to me XXXX and XXXX XXXX also there are addresses listed on my transunion report and XXXX report that are fraudulent that I have never lived at which at XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX   XXXX XXXX which are all fraud never lived there so please remove these fraudulent addresses. Also XXXX   is not reporting my job which I have been with since XX/XX/XXXX which is XXXX XXXX XXXX XXXX which needs to be reported as future creditors need to know that I have a stable job. This whole ordeal is draining me physically and emotionally I just want the credit score that I deserve. I always pay me bills on time being XXXX and having a XXXX child and being a victim of XXXX XXXX and identity theft please raise my score to the appropriate rating because what's being done to me is 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 2021-08-12
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Experian Credit Report Agency Is reporting this XXXX XXXX XXXX on my account for XXXX. This account is dated XX/XX/XXXX. It should have been off my credit. And on Experian 's website it said the item was to be reported until XX/XX/XXXX. Yet they reported it XXXX XXXX as a negative report on my credit. And it is still on my credit report. If it is set to fall off my report why would they re-report it. And the fall off date of XX/XX/XXXX. Mysteriously disappeared off of Experians Website. This is illegal this item is way past the date it is supposed to come off. Every other credit bureau. Has removed this item except Experian. And I want them investigated this is illegal. And I want this item removed 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 non-monetary relief
Consumer complaint received 2018-03-26
Company: AMCOL Systems, Inc.
State: TX
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:
I do not know why I have two collection accounts with your company. I have checked with XXXX XXXX who took over XXXX XXXX XXXX ( the facility that I was seen at ) they have no record of these bills. I have no idea where the charges came from, what they are for and if insurance was bill properly. Can you please provide validation of the accounts that are showing up on my credit report? I just find it very strange that the medical facilities do not have a record of these charges or me owing anything. I spent over an hour on the phone with them trying to figure out where these bills/charges originated from.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: EQUIFAX, 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've been a victim of identity theft and i still noticed the fraudulent accounts appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
Company: Prosper Marketplace, Inc.
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Received an offer in the mail to obtain a personal loan from Prosper.com. I went online and filled out the required paperwork as to income verification etc. A couple of days later I received a truth in lending offer stating my loan had been approved at 9.57 %. Within a couple of days my money was in my personal account. This is where the deceit comes in. When I inquired from both Prosper.com and XXXX XXXX in Utah what the amortization schedule was it was like light in the eyes of a deer along the highway. No one wanted nor did they respond to my request. I have yet to receive a detailed break-down of interest vs principal for payments over the life of the loan. I assume that they intend to collect all of the interest payments up front??? Under TILA I should have gotten a much more detailed document prior to the execution of the loan and transfer of capital. Under TILA the Right of Recission must be done within 3 days but what are you walking away from ... ... ..?? There isn't any terms agreed to in writing. If you are a crook then its well thought out. If you are honest you may very well be getting scammed. I have also contacted XXXX XXXX as that is the financial source for Prosper.com.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: NAVY FEDERAL CREDIT UNION
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My debit card was stolen and someone used my card without my permission, my bank refused to reimburse me because some used my PIN number

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
Company: Qualey Law Group, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX has yet to refund me for the debt that I have paid me. XXXX XXXX from XXXX XXXX talks crazy and does not return any answers to the debt. I had an attorney by XXXX XXXX XXXX in which could not get documents for months and had the run around game by XXXX XXXX. I have text messages from my attorney stating the issues with XXXX XXXX XXXX XXXX. 
Now XXXX XXXX XXXX XXXX has hired or By XXXX XXXX XXXX to Qualey Law Group XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX In which nothing has been done and 2 US Registered Letters have gone out to XXXX XXXX XXXX in regards to the court documents XXXX copy that the money is paid. As to that XXXX XXXX did not give the correct credit as stated by XXXX XXXX XXXX XXXX shows as a credit. 
There has been since XX/XX/XXXX this bill has been paid it is now XX/XX/XXXX and I still show active on this Garnsihment and money is owed to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Bk -XXXX*chapter XXXX BK -- XXXXChapter XXXX BK-XXXX-Chapter-XXXX disputed these should not be on report credit report agencies never responded

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