BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-01
Company: Collection Bureau of the Hudson Valley, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX  XXXX  has assigned CBHV ( Collection Bureau Hudson Valley ) collection reference no XXXX, Account # XXXX, Collection amount {$39.00}, I was XXXX XXXX  customer for years, in XXXX i moved to a different location where they didn't have XXXX  rather that place had XXXX  therefore i called XXXX  disconnection dept to get the internet disconnected a week earlier from the last day i had already paid them for the month do disconnect in advance, they asked me my new address and confirmed that they do not operate in that area and after all said and done they refuse to disconnect my internet on that specific date as i had the no contract internet which i can disconnect any time as per terms and cons of XXXX, i had to spend 1 hour arguing that why are you forcing me to call at later date as i have the right to disconnect today, after all said and done they did not disconnected the internet on that day and closed my account next month, after a 2 months i have received debt collector letter to pay amount or they have written in big bold letter that it would be sent to your credit beuro, i disputed this charge but they are not even bothering to listen or respond and keep sending robo calls on my phone nos harnessing me to pay or it would be sent to credit beuro

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-01
Company: Adler Wallach & Associates, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ON XX/XX/2018 i sent a certified letter to XXXX XXXX asking them to validate on a account i never received any bills prior to the debt hitting my credit report, the total amount of debt balance is {$2600.00}. It has been over 45 business days and the company has not replied to the certified letter asking for validation that they recived XX/XX/2018. This company has now violated the rules and this debt should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
capital onecredit card threatened me when I told them I was in XXXX  during this time. they said well looks like your going right back and laughed at me. I can XXXX XXXX  because in was XXXX XXXX XXXX XXXX XXXX XXXX. I was shocked a company would speak this way the card was XXXX on XX/XX/17

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Bank of America informed me their was debt charged off in 2005 for a Mastercard I never opened. I was informed by the representative it was the primary decision for my recent denial for the Bank of America Cash card with a XXXX FICO score. I am requesting the debt to be cleared from my name and reconsideration for the credit I applied for due to this inconvenience and knowledge being provided to me. I never opened or authorized anyone to used my information to obtain credit in my name in 2005.

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 2021-02-11
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have been paying on this credit on time monthly and I get an email that they decreased my credit limit by a grand. Because of a credit score my credit score hasnt changed it in fact went up with XXXX. And only change I had was a purchase of a vehicle in XXXX which is my only other bill other than my mortgage. They changed my credit limit which up my credit card utilization and than in turn dropped my credit score and can not give me any firm answers I have spoke with them twice and even made a XXXX $ payment I am very upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: WELLS FARGO & COMPANY
State: WI
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:
Wells Fargo reported my home equity line of credit delinquent from XXXX to XXXX. While I did have this account, it never had a balance, so it would have been impossible to be delinquent.

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 2020-11-18
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
i wrote my bank in hopes of recovering funds after having my money stolen by a con artist online i even went as far as getting a police report on the account i was advised by the bank teller. i was told by phone it was nothing that could be done i have mailed them before about the matter and nothing has happen about the guy stealing from me. i love my bank but this matter was mis handled and they didn't even have the police report they just said they cant do anything i just mailed it the day i got the letter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2021 Bank of America did a emergency cash transfer through XXXX XXXX for me. They asked for copies of both my license and my Social security card which I sent. They gave me a transfer number to retrieve my money but XXXX XXXX refused to release it to me because Bank of America neglected to add my middle name to the transfer although both forms of ID I sent them had my middle name. XXXX XXXX call center advised me they can fix it if Bank of America calls them. So I called Bank of America several times a day for 3 weeks requesting this change, each time they said they can not call, only the cash transfer team within Bank of America can do that and they sent them at least 15 messages requesting just that over the 3 weeks. They never changed it. I spoke to a supervisor about a refund and was advised it would take 45 days. It surpassed 45 days XX/XX/2021 and I still have not received a refund. I have called Bank of America multiple times since then, asking where my money is and they are refusing to return it to me. They just keep saying they put in urgent requests to have it returned but thats all they can do. Its been a week since the urgent request and I still havent received my money. If I could sue them I would but its a waste of money over {$1400.00}. The state of California partners with them to distribute the unemployment money but it seems like theyre using that partnership to instead cheat people who are already down.

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 2017-08-02
Company: Eagle Accounts Group, Inc.
State: WA
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:
XXXX credit reporting keeps reporting the same incorrect negative and false information that I have disputed and the other credit reporting companies took the negative debts off my records over a year ago. 1st on is XXXX XXXX for an apt that debt occurred on XX/XX/XXXX and it stated that it would be off on XX/XX/XXXX from my records which as of today XX/XX/XXXX it has not. Another one is WA State child support that this was an account that mistaking got on my credit reports which was removed ASAP but XXXX credit report refuses to remove after several disputes since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
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: Account information incorrect

Complaint:
Equifax reported on my annual credit report incorrect information. They wrote that I had a high balance of {$920.00}, at XXXX credit card from XX/XX/2018 to XX/XX/2018. My credit limit is {$400.00}. I called XXXX and they verified Equifax was wrong in this part of my consumer report. XXXX is mailing me proof that Equifax is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
My name is XXXX XXXX. I had an American Express Delta Gold Skymiles credit card and received emails in XXXX offering an additional XXXX sky miles and XXXX MQMs if I upgraded to their Delta Reserve card. 

I did this upgrade on their website and have never received the miles. Minimal spend requirements were met within the three month term period. 

When I called inquiring as to why I have not received, I was initially told that I did receive the promotion and that I would see within 8 weeks post completing the minimal spend. Was then told on the same call that she provided me the wrong info and that I didnt have the promotion. 

After placing me on hold three times for well over half an hour, I was told that I would not be receiving the promotion because I didnt apply for it correctly. I have emails and mailing offering the deal and was clearly misled. They tell me there is nothing that they can do except offer me XXXX miles for my trouble. 

This is unacceptable! I upgraded and paid an astronomical annual rate because of this deal, and am now told that I am out of luck. This is not fair to the consumer, and I believe that the offer should be honored. 

I have twice requested a manager call and have not yet received XXXX.  Apparently, American Express rewards department will not take calls from customers. 

Please help me resolve this, as this type of issue is not fair to consumers. They have no issue taking their XXXX annual fee, but will not honor their own promotion. Please help me! Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-11
Company: V and H Portfolio
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I pulled my credit report and saw a collection account from Vance and Huffman LLC I REACHED out to them and explained that this was not my account it was opened fraudulently by someone I knew in Ga that got ahold of my personal information and they also got an apartment in my name.. they told me it didnt matter because payments were made on it. I advised regardless if they made payment on it or not it wasnt mine.. they refused to listen and started trying to accuse me of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-04
Company: Experian Information Solutions 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:
****Hello, My name is *XXXX XXXX* . I have been trying to complaint about incorrect problems exist in my credit report over past year but it has no success. According to my recent credit report request from XXXX, there are several inaccurate name, addresses on my report that might cause really bad effect to my credit profile. I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report. Here are the name and addresses that need to be removed urgently off my credit report : ************************************************ *NAMES REPORTED : XXXX  XXXX XXXX ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ **ADDRESSES REPORTED XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ************************************* & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & Please investigate all of the negative collections : XXXX XXXX XXXX Reported : XX/XX/XXXX ** XXXX XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX , Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX , Reported : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX, Reported : XX/XX/XXXX **XXXX XXXX XXXX, Reported : XX/XX/XXXX and all of the hard inquiries : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing  Contact the inquirer : MAIL ONLY _XXXX XXXX  XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg.

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 2021-02-11
Company: Experian Information Solutions Inc.
State: CO
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:
After getting my free annual credit reports in XX/XX/XXXX, I noticed a problem with a late payment with XXXX XXXX XXXX. I disputed the claim with all 3 credit reports, but all were declined because I did not provide proof of my claim that I was not late. Yesterday, I got my free credit reports from 2 of the 3 credit bureaus. The problem with XXXX XXXX XXXX still exists because I did not handle it. My fault. So, I disputed the claim with XXXX XXXX XXXX yesterday with XXXX. They accepted my dispute again with no problem, and this time I provided proof by attaching files with my dispute. BUT EXPERIAN FLAT OUT REFUSED TO ACCEPT MY DISPUTE! They stated that they already reviewed the matter. So, my complaint is about whether or not they are allowed to refuse my dispute? There are too many rules, regulations, and laws involved looking into this. If XXXX accepted it with no problem, how is it Experian is able to reject my dispute a year later? And as soon as I can access my XXXX credit report, I will dispute the same thing again. Is it legal that Experian is able to pick and choose, or reject someone's dispute on their credit file? How are people going to dont o be able to fix problems with their credit files if credit reporting agencies like Experian can do what they want when they want? Date generated : XX/XX/XXXX Report # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: WELLS FARGO & COMPANY
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:
On XX/XX/2021, I received a text message from XXXX informing me my credit score had changed. I thought fantastic maybe it went up because I have excellent credit. My score was XXXX at the time, and I look almost every day. But when I looked it had dropped to XXXXMy heart raced as I called XXXX XXXX to see what had happened. I keep a zero balance on all my credit cards,20 cards zero balance. When I got in touch with XXXX XXXX they said I owed {$19.00}, I said for what and they said it was an annual charge. I said why wasn't I called or notified by mail, or email. She said lots of things don't work the same as they use to, due to the covid. I said I should have been notified. Look at my credit and you will see that I never miss a payment. I was not properly notified by my bank Wells Fargo nor XXXX XXXX. There has never been a time that I did not have {$19.00}. I pride myself on having a zero balance. I knew I had no debt or thought I had no debt. XXXX XXXX reversed all charges, late fees. Wells Fargo apologised for not tying my checking to overdraft. Please help me I feel so taken advantage of by people you can't even talk to. I really have done nothing to deserve this. XXXX XXXX account # XXXX XXXX XXXX XXXX, Wells Fargo account # routing XXXX checking account # XXXX. You can look and see all my accounts I had plenty of money in the bank $ XXXX {$15000.00} total in several account 's. Also I feel that the covid 19 has factored in on the way things are handled at banks and financial institutions. People are working from home. Lots of people are new to these jobs and things are getting passed over. It's not fair to ruin ones credit for {$19.00} and especially when they were not properly notified. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Az. XXXX phone XXXX XXXX XXXX Email 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 2018-04-23
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 am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX and XXXX  data breach. State issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to these XXXXXXXX XXXX XXXX XXXX XXXX mentioned accounts.

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 2023-04-14
Company: SLM CORPORATION
State: LA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
CFR 1026.13 Violations by SALLIE MAE ( SMB ). Various other FCRA and FBCA violations. Please see attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: Midwest Recovery Systems
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
As of the date of this letter has MIDWEST RECOVERY SYSTEMS, LLC has violated FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 623 ( b ) ( 2 ) and 61 1 ( a ) ( 1 ) The CRA must give you all the relevant information within five business days, have also violated Section code 605 ( b ) Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX/XXXX  XXXX {$660.00} US DEP ED XXXX {$1600.00} US DEP ED XXXX {$3300.00} XXXX XXXX {$1000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$360.00} USDOE/XXXX  XXXX {$14000.00} XXXX XXXX XXXX {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
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:
I contacted USAA several times about charges that have dated back to XX/XX/XXXX. They recently mailed new cards to the wrong address and those cards were used.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft CAP ONE Account Number : XXXX This is not mine 1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft CAPITAL ONE Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXXate of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 
.

Company response to consumer: Closed with explanation