BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Fifth Third representative today told me it will take TWELVE DAYS to clear {$1000.00} of a {$6000.00} deposit I made using a check from my husband 's account at a local bank. 

According to the representative, " it's the computer, '' and this delay arises because I used the bank 's phone app to make the deposit. Nowhere in the verbiage for this app is there any language saying the bank will keep {$1000.00} of my money hostage at its sole discretion because I used a product it owns and sanctions. 

I had planned on using this money to pay off a credit card. Since I now can not access the full amount, I'll have to pay interest to a credit card company ( no ) thanks to Fifth Third 's failure, again, to provide adequate notice and service to its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: EQUIFAX, INC.
State: WA
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:
XXXX XXXX HAS ERRONEOUSLY REPORTED ON MY CREDIT A COVID RELATED DEBT THAT IS COMPLETELY OUT OF MY HANDS. 
THEY HAVE RECEIVED THE REFUND VOUCHERS FROM THE AIRLINES BUT HAS FAILED TO ACKNOWLEDGE THEY HAVE RECEIVED A REFUND. 

THEY HAVE REPORTED ERRONEOUSLY PRIOR TO INVESTIGATION ON MY CREDIT REPORTS AND DESTROYED MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I made a cash deposits of Approx {$5000.00} and {$3000.00} at Bank of America into 2 business accounts that have no connection to my personal Account. I was asked to swipe my debit card because It was cash I was depositing. I swiped. The next day I noticed a {$1500.00} withdrawal from my personal account as a counter withdrawal at the time of the deposit into the business account. I immediately called the bank on XX/XX/XXXX To file the claim. To this day XX/XX/XXXX there has been NO resolution. 

Bank of America XXXX XXXX NJ XXXX # 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 monetary relief
Consumer complaint received 2019-03-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/2018 abrupt closure of two accounts ; 1 MC & 1 VISA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Iin this new complaint I invoke the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY On XX/XX/XXXX, I have submitted a claim to the XXXX  credit bureau, but did not comply with all the requests. XXXX   arranged several late payments but not in full. I am going to attach in this new claim the evidence where it shows that the monthly payments of the mortgage of my house with the XXXX XXXX  company have been made in the correct time. I also ask that my name in the information appear as XXXX XXXX XXXX XXXX, the address is XXXX XXXX XXXX XXXX, Florida XXXX, telephone XXXX and as a profession or occupation XXXX  XXXX because it is the degree I did at the university and I work on my own. Finally, I want the free annual report that by law corresponds to me. I am attaching the confirmation of the payments that I made to the XXXX XXXX  company from XX/XX/XXXX to XXXX that appear as late payments, also the agreement to be from the month of XX/XX/XXXX and continuing in the forbearance program that reduces monthly payments. The payment for the month of XX/XX/XXXX appears with the month of XX/XX/XXXX because they did not remove the payment from my account as they did every month

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Unauthorized credit inquires on my transUnion report. Ive contacted TransUnion and they refuse to do anything about this. 18 total inquiries on my report that were not authorized

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: National Credit Adjusters, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
Called National Credit Adjusters on XX/XX/2020 and was redirected 4 times to find my account. In the end no one wanted to let me know who to contact. Received a voicemail on XX/XX/2020 to contact them back. Called with no answers. Called original creditors XX/XX/2020. Nice lady let me know of original loan number but recommended I call let her know of situation and said to call her back on Tuesday. Yeah I just wan na pay my debt off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
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: Public record information inaccurate

Complaint:
I been trying to have this public record bankruptcy removed for many months, have letter from company experian uses to verify this is not on there record, my record, company experian uses XXXX XXXX, when i call XXXX XXXX they do not understand why experian still has this bankruptcy on there report and no record of experian checking with them, i sent experian again, 2 letters, 1 from XXXX XXXX and 1 from stating the same thing as attached, if experian is using XXXX XXXX to verify and not checking with them and experian records do not match XXXX XXXX, then why will experian not remove bankruptcy from there records, in letter experian sent to me, they state they use this company XXXX XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
They broke the law and I want to have them remove the negative item

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: CAINE & WEINER COMPANY, INC.
State: PA
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 do not owe XXXX XXXX XXXX. I contacted the original debtor ( XXXX XXXX ) and they couldnt find how I owed them at first then they said it was for clean up. I told them to prove it because I didnt leave anything they cant cause they didnt have paper work. I also dont owe Cain and Weiner original debtor ( progressive ) they put this on my report I had insurance with another company and I been canceled them. I also do not owe XXXX XXXX they keep sending me through hoops to dispute this debt and had no account information on me when I called.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In accordance to the respond provided by the company for case XXXX, the company has provided invalid excuse to close my account and, above all, charging me the annual fee of {$150.00}. It comes to my awareness that the company has tried all the excuses to first asking client to open an account and after less than a month close clients ' account for all made-up excuse so as to charge clients ' annual fee. As per the respond, the company manipulate the fact that I did not '' voluntarily notify us of the closing of your account within 30 days while your account was still active ''. The fact is after being notified of the potential closure of my account, I have been calling to have the issue fixed. I actively contact the credit card company to have the matter escalated yet I did NOT receive any respond from them. At the end I was the one who have been actively contact the company to have my identity verified yet at the end they found all sort of excuses NOT accepting the verification documentations I provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. Kindly remove these items ASAP. Thank you. 
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 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 2019-03-11
Company: BARCLAYS BANK DELAWARE
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I received a letter from Barclays about my Master Card credit card that was being closed because of inactivity. I had not used the credit card in several months. However, I had {$10.00} built up as cash rewards. On XX/XX/XXXX I had been told at the number XXXX, if my card was closed, they would mail me a check for {$10.00}. I put the card away and kept using the credit card I normally use which is not a Master Card. I called the XXXX number onXX/XX/XXXXnd spoke to a XXXX, Manager. He said they could not give me the {$10.00} because I did not have {$50.00} built up. He reinstated my credit card and put the {$10.00} back on it. He was real nice ; however, I think they should have sent me the {$10.00} as the person on XX/XX/XXXX had told me.

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 2018-03-05
Company: CONTRACT CALLERS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notification from CCI,  Contract Callers Inc. indicating I had an alleged debt with this company. A certified request was sent to this company to validate this debt and no other communication was received from them. As of this Friday, XX/XX/18 this company reported this debt to my credit profile without proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
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:
Since XXXX I have been disputing and challenging the accuracy of these files on my credit and so far no one has validated it. I sent multiple letters and they have yet to adhere to the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am a victim of identity theft since XXXX and had my credit frozen til the year XXXX, it is posted on all 3 credit reports, I had this same issue with XXXX  but they would not unlock my report for XXXX nor XXXX to upload my info nor let me correct my info I had sent them numerous updates to my files and through the postal service & certified mail XXXX  states to me they never recieved but 1 copy out of 24 copies I sent, I tried faxing with no luck, and this went on the entire time since XXXX until I contacted your agency last year. It was corrected and XXXX apologized and now I am having same issues with Equifax doing the same thing, they will not unfreeze my credit or I am unable to pass the security questions because they do not even pertain to me and I check the boxes that say, none of the above, and because of this it causes me to fail my security questions and they will not let me view my free annualcredit report online ( keeps saying like my XXXX  use to say ) your credit report is unavailable online to you at this time. I refuse to keep dealing with this, this is my life somebody keeps messing with and I am entitled to my consumer free credit reports and unfreezing my credit at anytime I wish to but someone is seeing to it that I can not. My name is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX ... ..my email ( XXXX ) ... .cell # XXXX ... ... my date of birth ( XXXX ... .last 4 of SSN ( XXXX ) ... ..my previous address. ( XXXX XXXX  XXXX XXXX, XXXX, NC XXXX ) thank you for your time & consideration. I look forward to hearing back from this matter. Have have blessed day. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was charged XXXX dollars a month totaling XXXX XXXXXXXX XXXX XXXX XXXX for not having a XXXX XXXX dollar monthly balance in the personal and business accounts due to me not being able to work after an automobile accident

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 2019-03-11
Company: Certegy Holdings, LLC
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with fraud alerts or security freezes

Complaint:
Certegy Check Services {$410.00} XX/XX/2019 Merchant who uses Certegy service- XXXX XXXX , Kentucky They declined a check at a merchant when there were sufficient funds to cover the transaction. Upon being questioned why the check was declined they refused to give a legitimate answer the only answer they could come up with was that the transaction was denied based on the possibility that the computer algorithm they use deemed it necessary. They went on to further say that this had nothing to do with my credit worthiness or my account balance. This is a fraudulent service that uses no basis for their facts. And then they went on to further say that there was no way possible for them to reverse the actions that they have done by denying the check. Please shut this company down and protect the American public

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 2019-10-08
Company: Security Credit Services, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent two certified letters to Security Credit Services one requesting debt verification and the second letter requesting removal of the debt due to no verification being provided to me. It has been over 30 days & this company is continuously providing false information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My debit card from Chase was used at a gas station for the amount of XXXX on XX/XX/18. I have never been to that gas station before, nor have I ever spent that much money at a gas station. 

I have disputed this charge twice and both times, Chase has said that the payment was authorized since it was a pin transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-27
Company: American Coradius International LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a bill in the mail for {$2100.00} from American Coradius International LLC Toll Free XXXX, Claiming that I owe XXXX this amount, and if it is not paid in full then it is going to be sent to collections. However, they want me to pay THEM. 
They asked for my email, and I refused to give it to them ( because I suspected it was a fraud ), and they gave me the email that they have on file. I confirmed it is not my email. They told me that I can ignore the bill. I insisted on having a confirmation that I do not owe anything to this company. They refused to provide me with one. 
They also asked for my social security number ( I refused to give it ) and they also asked me for my birthday, ( I also refused to give it ). 
They said that they will report and put an investigation into my case from XXXX. 

I believe this is a fake company trying to get me to send them money. I see online that 62 other reviews also say this company is a scam. They need to be closed down. 
The address they have on file is XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, NY XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Healthcare Collections-I, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Thank you for taking the time to review the complaint. HealthCare Collections continues to furnish unknown debit on the XXXX  profile. 
Made several attempts to dispute through credit bureaus with the 623 methods of verification according to FCRA. The reason for complaint continues to furnish a collection unknown account on the XXXX  credit profile. Requested validation of a signature and contest to contract.

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 2019-03-11
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Student loan offset satisfied ; Professional Bureau of Maryland Inc not advising US Dept Education of that fact, therefore freezing my XXXX tax refund. 
Collection Agent : Professional Bureau of Maryland acting for collector for US Department of Education XXXX XXXX Social Security number upon request Cell : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX, NC XXXX Good morning, My student loan payments have been made on time. 

The Professional Bureau of Maryland , Inc has - as of XX/XX/XXXX - not advised the US Department of Education that the Treasury Offset repayments have been satisfied All guidelines have been followed ; all necessary paperwork, documents etc. were submitted XX/XX/XXXX. 

As a result, our tax refund has not been released. 

I have exhausted all avenues of remedy. 

Your help rectifying this stressful situation is earnestly sought. 

Thank you, Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, INC.
State: WA
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 am XXXX XXXX and I am submitting this complaint myself. This item is reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about this complaint. 

( XXXX XXXX XXXX )

Company response to consumer: Closed with explanation