BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-25
Company: Experian Information Solutions Inc.
State: SD
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 returned a leased XXXX vehicle XXXX/ 2019 and received a bill dated XXXX/XXXX/2019 on XXXX/XXXX/2019 stating amount due for disposition fee and damages {$1100.00} due by XXXX/XXXX/2019. I called in and disputed some of the damages since the vehicle was not picked up until XXXX/2019 and had been moved to a different location where possibly some damages may have occurred during the move. I asked what my options for payments were and was informed {$180.00} per month until balance paid. I received notice on my credit card statement I had a delinquent report from XXXX XXXX XXXX/XXXX/2019 in the full amount of {$1100.00}. I called XXXX/XXXX/2019 and questioned customer service why they reported me late and she said they would correct it and I set up payments and paid {$180.00}. I checked my credit report and she had corrected the XXXX XXXX but not the experian report. After numerous calls to XXXX XXXX I was in formed that they could do nothing and I would have to contact experian directly to correct it. I called experian and was told they could submit a dispute to XXXX XXXX but could not remove the delinquency and suggested contacting CFPB.

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 2017-09-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax did not keep its system secure and my personal credit information was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: Square Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
The company " Square '' that I have used to charge my client 's credit cards for my services, claimed that I had a second account with a large dispute on it totaling {$2100.00} and that I was responsible for this amount of money. They therefore withheld {$360.00} worth of my most recent charges and had planned to take any future funds that I would collect from clients until the dispute balance reached XXXX. They initially refused to give me any information about why they thought this second account was mine. After more than a dozen calls, emails, the filing of a police report and the filing of an FTC report, they told me they still believed this other account was mine and they provided the email address for the other account. The email address was not mine. The other entity 's email address contained my first name and the field in which I work ( psychology ). I filed a second FTC report and they decided that it was a case of " stolen identity ''. They have since refunded my {$360.00} and " disassociated '' the other account with mine. However, they still refuse to provide me any information about why they thought this account was mine ( other than the remotely similar address information ) and they still maintain my information was " stolen ''. Given Square transactions involve my bank account, I need to know what if any, of my sensitive information has been stolen. If it has not been stolen, and they simply went the route of putting me through the many, many hours of work because it was easier for them to collect the money they themselves had lost via the dispute on this other account and blame it on someone ( me ) with a slightly similar email address, I would like to know that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This account has been re-aged and somehow added back on my account. After sending my dispute in the mail now I tried to request for a compliance check on transunion website but it would not submit my information. They are reporting addresses that i have before requested to be removed. They are reporting inaccurate information. i am submitting my letter with this complaint in regards to the addresses that i am demanding for removal as well as a collections account by XXXX and a couple of employers and phone numbers listed.

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 2023-08-13
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:
Experian, XXXX and XXXX are reporting inaccurate information 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 2021-10-29
Company: LJ Ross Associates
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: Old information reappears or never goes away

Complaint:
Hello, I disputed a collections account that was reported by LJ ROSS to my credit report. The disputed was via XXXX on XX/XX/XXXX. My dispute resulted in the account being removed from my credit file. This same account was reported to XXXX on XX/XX/XXXX. I have had issues with this agencies before. I have a paper trail for the disputes and reporting dates. I never paid them any money. But, the account says paid now? Why would a debt collection agency, attempt to collect a debt and when no payment was issued, change it to paid?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I entered my local branch of Bank of America ( XXXX XXXX XXXX XXXX, XXXX, PA XXXX ) and made a check deposit of {$8700.00} the check was from XXXX, a publicly traded entity of which I hold stock. I have had this account open since XXXX of XXXX and since that time there has been roughly {$90000.00} in deposits made to this account. The issue at hand is the branch manager told me that {$5300.00} of the total check amount ( {$8700.00} ) would be available for me on XX/XX/XXXX and that the remainder would be made available to me the following week ending in XX/XX/XXXX. I accepted those terms and proceeded to make the deposit. It was not until the morning of XX/XX/XXXX that I received an automated email from Bank of America stating that the entirety of the check was to be placed on hold until XX/XX/XXXX. I called the branch at XXXX XXXX and spoke to their banker named " XXXX '' he took down my name and telephone number, told me the manager was speaking to a customer and he would have her call me back the moment she becomes available. During that time I proceeded to call the customer service number for Bank of America Corporate Offices. I raised the issue to the highest possible level. The supervisor gave me his ID NUMBER : '' XXXX ''. I lodged a formal " internal complaint '' with that supervisor against the branch manager who handled the deposit for providing me misleading information which I believe is predatory in its nature. The motive being to secure my deposit and provide me with reasoning to do so that was completely false. 

I am filing this complaint as I am completing the process of speaking to them on the phone, the duration of this phone call has been 91 minutes and 26 seconds. During this time I have still yet to receive a call back from that branch XXXX it is currently XXXX XXXX, I called them at XXXX this morning XX/XX/XXXX. 

The outcome of all of the escalations was that they are keeping the hold until XX/XX/XXXX on the entire check amount in order to " verify the funds '' as I stated above the validity of XXXX is public information as is the financial solvency. The hold of 10 days to verify a check to me sounds extremely long, however the issue of the highest authority at the physical branch telling me a lie in order to obtain my deposit is the predatory act committed by Bank of America.

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 2018-10-04
Company: CITIBANK, N.A.
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XXXX we applied for a chapter XXXX due to debt incurred with XXXX XXXX.Our chapter XXXX process terminated around XX/XX/XXXX, the debt claimed by XXXX XXXXXXXX was paid up at the end of such time period. The third week of XX/XX/XXXX we received the first call from XXXX XXXXXXXX, asking us if we wanted to pay what we owed or if we want our home to be foreclosed. Days after we received a certified letter from them claiming we owed {$8500.00} plus {$1800.00} to be paid by XX/XX/XXXX to avoid foreclosure of our only residence. Do to the fact that XXXX XXXXXXXX, closed operations in Puerto Rico around XXXX we have no way to communicate with a XXXX XXXXXXXX personally. The debt they claimed was paid at the end of our charter XXXX process. We tried numerous calls to CitiMortgage since the third week of XX/XX/XXXX with resolution. By the way on every call we were constantly harassed on with no explanation at all. As of XX/XX/XXXX XXXX XXXXXXXX commence refusing our monthly payments claiming the payment should be in full including what they claim we owed them. This procedure ballooned the amount of our debt for no reasons at all. Due to their constant aggressiveness and harassment toward us we were driving to applied for a second chapter XXXX ( XX/XX/XXXX ) to stopped them to foreclosed our only and principal residence, On XX/XX/XXXX they started one more time to pressure the process one more time. I take this moment to thank your organization for your time and support regarding this injustice.

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 2022-09-13
Company: Conduent Incorporated
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I get hung up on multiple times and told that someone in escalations is refusing to escalate this and then I was lied to by this company and told at first my unemployment program was the one taking my funding back but after a long understanding the compliance manager got back with me and tried to act as if I forgot about the false dispute put on account and false hired customer service agents acting different roles I consume our personal info to transfers out the funds from the account when I know we shouldn't have to give all this personal information.This is ridiculous with all that is going on there's no way my account or me and my child should have to suffer due to some female within this company having insecurities and disliking of XXXX XXXX XXXXXXXX and than to contact me and state that in the comments that funds were being transferred to redlining credit funding is ridiculous Yes I have called for about a year and all my unemployment benefits is disappearing I was told that all funds were being transferred to redline credit funding and also the customer service agents is very rude and nasty and refuses to help with this issue I'm now looking into civil suit against the company for discriminating my account purposely and still is

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In the previous letter I was not provided with any of the documents that I requested. There is an unknown charge-off on my credit reports. Im requested the verification of the charge-off and the method of verification. CAPITAL ONE BANK US ( Opened XXXX. XXXX, 2016 ). For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-18
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The account holder has the same name as me. That's it. This is not my account. There is no account number or address on the report. I do not and never have had an account with XXXX XXXX XXXX with a {$7500.00} limit. I have reached out to TransUnion three times since XXXX. I have not even received a response, much less a resolution. I am attempting to refinance my home and this is dragging down my credit score. 

ENDERTYPEBALANCE XXXX XXXX XXXX 120 DAYS LATE Credit Cards {$8300.00} Status Date Reported XX/XX/XXXX Payment Status 120 Days Late Amount Past Due {$1000.00} Account Details Bureau Name XXXX XXXX XXXX Account Type Flexible spending credit card Responsibility Authorized User Credit Limit {$7500.00} Credit Used 111 % Available Credit {$0.00} Highest Balance {$8300.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Amount Past Due {$1000.00} Date of Last Payment XX/XX/XXXX Monthly Payment {$280.00} Payment Frequency Not Reported On Time Payments 88 %

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 2019-09-26
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: Information belongs to someone else

Complaint:
i am a victim of id theft. these items do not belong to me due to fraud u s bankruptcy court XXXX XXXX XXXX opened XX/XX/2013 {$6900.00} XXXX emergency med gr {$260.00}

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 2020-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
Back in XX/XX/2019, I checked my Bank of America checking account. I noticed several fraudulent transactions totaling over {$600.00}. I immediately contacted my bank, they were able to refund the money as an investigation was put in place. Fast forward to XXXX, I received a letter in the mail from Bank of America ... I didnt read it as I thought it was stating that my claim was resolved. Later to find out in XXXX that the money that was refunded to be was taken back. Again I immediately call to see why, Bank of America stated that I made false claims and no fraud had occurred. I demanded for the claim to be reconsidered ( escalated ). The rep said she would put that in for me and for me o contact the merchant meanwhile and submit a written statement. I call the merchant ( XXXX ) they tell me my name, phone number, and email address is not associated with any account and they can not help me for me to contact my bank. I wrote my statement, send it to Bank of America through Fax and tell them what entailed during the conversation with the XXXX rep. They continue to tell me to check back later. Now this was a Friday, theyre closed Saturday-Monday and reopen Tuesday due to XXXX day. I call Tuesday to find out that it might be reconsidered to call back at a later time. Now Wednesday early afternoon, I call again an they tell me they are only refunding me {$160.00} because they came to an agreement with the Merchant. Now I immediately asked them why only {$160.00}? Especially because that {$160.00} charge was made in two transactions. The bank said this is all they can do for me because the investigation didnt come back as fraudulent. I continued to let them know that this doesnt make sense because here was so many charges to my account which all added up to a higher amount and they were only going to refund a portion. The rep said thats all they could do and basically theyre job is done. I asked to speak to a higher up and its the same thing. The supervisor couldnt do anything and for me to basically be happy I got {$160.00} out of over {$500.00} back. No explanation of how those charges made it to my account, no name of the person who did this, and no REAL investigation was done. I refuse to take this as a loss, this was NOT my fault, the bank should have the customers back instead of flipping the story and saying it wasnt fraud. FURTHER REAL investigation needs to be done. The person is still out there getting away with this, and it will continue to happen to innocent people. Hard earned money, gone, and refused to give back.

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 2022-10-06
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
In late XXXX, I sought the services of an accredited non-profit debt relief counseling services, XXXX XXXX. My Barclays account is part of the debt management plan, and the plan was submitted to Barclays a few weeks ago. This morning, I was informed by the counseling service that " Barclay [ s ] is having an issue reviewing and responding to our proposals. It is an internal issue on their end that they are still trying to resolve. '' and to " Please be advised, the creditor has had this issue for at least two months so we do not except a response soon. '' Needless to say, this is of absolutely no help to me when it comes to paying off the acct.

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 2022-10-06
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: Information belongs to someone else

Complaint:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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