BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-02
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received XXXX bank statements from First Bank in XXXX. The first bank statement was from an account that I never opened and never received any credit card. I was charged XXXX. None of the transactions were made by me and were unknown of since I did not open this account. I only found out due to receiving bank statement via mail to my home address. For the XXXX statement, it was with an account that I do have and had since XXXX. The transaction dates were the exact same as the first bank account ( never opened ) and was the same transactions. Both transactions were made on same day and it was for the same thing. The total for my XXXX bank statement was XXXX. The total number is different due to interest charges, but transaction are exact same. When I received these bank statement, I immediately called First Bank and talked to a representative. They said they would look into the case and that I should not worry about it. I had to call them multiple times due to receiving mail that they needed more information. After calling they told me again not to worry about it and that the charges would be waived due to fraud. When on XX/XX/XXXX, I received a mail from First Bank stating that they are denying the fraud claim. This is very unfair due to no fraud protection, as I was never notified through email or any sort. I only found out about these transaction because the mail was sent to my home. I should not be held accountable for these charges as First Bank are not taking appropriate steps to investigate my case. They sent me a mail stating that I should contact the merchants listed on my bank statement, which I have but it should be their job to do that. They need to be held accountable as they are not protecting their clients from fraud and are allowing scammers to steal my identity and make an account under my name. I am very frustrated about the situation and need your help.

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 2020-03-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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 recently filed a report with XXXX, XXXX, and XXXX  of inaccurate items being reported on my credit reports. XXXX removed the above mentioned item once an FTC Report and documents to verify my identity were sent. XXXX & XXXX did not. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Bank of America for their refusal to cash a XXXX. XXXX XXXX, which is drawn directly from the Federal Reserve. This refusal has greatly impacted me as a consumer who primarily uses an online bank. 

According to the law, specifically the Electronic Fund Transfer Act ( XXXX ) and Regulation XXXX, financial institutions are required to accept and process electronic funds transfers, including money orders. The XXXX. XXXX XXXX in question is a legally-binding and negotiable instrument, and should have been accepted and processed by Bank of America XXXX XXXX issues. 

Furthermore, the bank 's refusal to cash the money order has caused me significant inconvenience and financial loss. The maximum value of XXXX XXXX XXXX XXXXXXXX is {$1000.00}, and as such, I am requesting that Bank of America compensate me in the amount of {$1000.00} for their failure to comply with the law and for the hardship caused. 

I believe that Bank of America 's actions were in violation of the XXXX and Regulation XXXX, and I urge the CFPB to take appropriate action to hold the bank accountable and to ensure that consumers like me are protected in the future. 

The location of the Bank of America in question is located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX on XX/XX/2023 at approximately XXXX XXXX XXXX XXXXXXXX was not wearing name tag and refused to understand that the money the bank deals with comes from the Federal Reserve and the XXXX. money orders are drawn from the Federal Reserve. It's the most secured money there is, but not from my experience. 

Thank you for your time and attention to this matter. 

Sincerely, 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 2023-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
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/2023 I attempted to deposit {$500.00} in my checking account via ATM which then took my money spit out my card and proceeded to say that it was not accepting cash deposits without giving me a receipt or posting the transaction. I called and made a claim and now they are saying I have to wait 10 days for the funds! I needed that money to pay my bills and now my phone is going to get shut off along with my electricity!!! I demand to have my funds available in my account now!

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 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 complaint is my follow-up to my previous complaint about the fraudulent accounts in my file that needs to be deleted. 

I want the following accounts to be deleted ASAP : XXXX XXXXXXXX XXXX Balance : {$370.00} XXXX  XXXX XXXX XXXX : {$390.00} XXXX  XXXX Balance : {$11000.00}

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 non-monetary relief
Consumer complaint received 2022-05-14
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have opted out of prescreened offers. I still get them 2-3 times a week, there is no way on Citibanks site to stop them.

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 2022-02-08
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
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:
Amount 2,500 is being stated on my credit bureau that is owed to first national bank of Pennsylvania this information is incorrect. That amount was fraudulently placed by a employer who scammed me for the funds I was unaware the employer paid me for my services with fraudulent funds that was later deposited into my checking account. I had no knowledge the funds was fraudulent and later filled a police report, reporting the employer was a scam and taking advantage of there employees. First national bank has refused to remove this account from my report and has negatively impacted by credit with all three credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
In accordance with the fair credit reporting act XXXX  XXXX  XXXX XXXX. Act # XXXX, has violated my rights. 

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

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 2023-02-28
Company: Synovus Bank
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection call from XXXX XXXX XXXX on XX/XX/23. Not being familiar with the debt they were referring to, I asked them to send the information in writing. They did. When I received it, I saw it was an unfamiliar retail credit card. I checked my credit report to ensure it wasn't something I forgot about or could be a tip off to potential identify theft. Nothing was listed on my credit report that could tie back to the debt they are trying to collect. On XX/XX/23 a gentleman named XXXX XXXX  called me to attempt to collect this debt again ( stating again my wages would soon be garnished for the debt ). When I told him it was never mine, verified on my credit report, and seemed to be an attempt at skip tracing, he said my file was no longer in their system and I should stop calling them, and hung up. Assuming it was an overwhelmed employee, I called the number at the top of the form they sent me, which was disconnected. I called the number on the company web site and it rang back to XXXX XXXX. I asked if I needed to submit a written dispute to close the file and he hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: MD
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 complaint is my follow-up to my previous complaint about the fraudulent accounts in my file that needs to be deleted. 

I want the following accounts to be deleted ASAP : XXXX  XXXX XXXX Balance : {$370.00} XXXX  XXXX XXXX XXXX : {$390.00} XXXX  XXXX Balance : {$11000.00}

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 2023-01-13
Company: Kovo
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Report Act Kovo inc has violated my rights. Allowing a late payment reporting on XX/XX/22 XX/XX/22, XX/XX/22. Under 15 U.S. Code 1681 Section 602 states There is a need to insure that consumer reporting agencies exercise a respect for the consumers right to privacy. 15 U.S. Code 1681 Section 604a Section 2 also states, any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
SOUTHWEST CREDIT SYSTEMS, XXXX for XXXX debt owed and immediately paid. 
This negative item still shows as unpaid as of XX/XX/22 on XXXX. 
Receipt of debt paid was sent in last month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a checking and savings account with Bank of America. There was apparently some fraud on the account and my checking account balance, online, showed a negative balance of {$880000.00} -- this goes back to XX/XX/XXXX ( see attached ). I have some medical issues and was in an out of the hospital and when I was finally discharged for good XX/XX/XXXX, I was unable to access any funds on all, despite having a monthly direct deposit from SSA for {$1200.00}. I called Bank of America and filed a fraud claim. And waited, unable to access any funds. And waited and waited and waited, and am still waiting ; to my knowledge, that remains unresolved. In the interim, two SSA direct deposits have been deposited into my account and I have been unable ANY FUNDS. THIS IS MY ONLY INCOME! My bills are backed up ( including a Bank of America credit card payment which I've been receiving letters about despite their error, limiting my ability to pay anything ), and I have been unable to even buy groceries. On XX/XX/XXXX, I called Bank of America to check on the status of my fraud claim, desperately hoping I could sort out the issue so I could access my funds. After nearly an hour on the phone ( see attached ), most of it on hold, I spoke with a representative who said she could transfer the funds to my savings account so I could my money that way. As far as the fraud claim, I was told " they are working on it. '' I was relieved regardless, thinking the problem would at least be manageable if I could withdraw money from my savings account. As soon as I hung up the phone, and checked my bank account -- now it shows a negative {$880000.00} on my savings account! ( see attached ). I am so frustrated and feel hopeless, I can not for the life of me figure out how my bank, which can clearly see I'm on a limited fixed income, would prevent access to my only funds. Please help!!!

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 2023-03-09
Company: Pro Com Services of Illinois, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Both communication and no notice.

ProCom Services Springfield, Il. 

This company after being told 5+ times to provide me a letter stating the specific debt and information has denied me every time. 

I told them Im not paying until I get that. 
They told me they can not send me any kind of letter because they had already done so.

The last time I spoke to them, someone said theyd send me a letter, then the next day the debts showed up on my credit report.

The letter I got had my name and address, and its had 3 dates with 3 dollar amount next to them. This is no where near enough information. 

The person on the phone also went on about if I had paid my bills in the first place I wouldnt be in this situation so I should just pay them to get it over with.

Ive also contacted the medical facility this debt is from but they told me due to it being turned into collections they cant provide me any information at all ; no dates, no dollar amount, no visit information, I have to get all of that from collections, which they refuse to provide.

The last time I spoke to the collectors, I t
old them do not contact me until they send me the proper information pertaining to the debt.

They now proceed to call me 3+ times almost daily from different phone numbers because I refuse to answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
CFPB- 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION

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 2023-08-04
Company: Capio Partners, LLC
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 status incorrect

Complaint:
Filed a Dispute with Credit Bureaus for Asset Care, LLC on XX/XX/2023 which did not remove a Medical Collection stating I owed {$800.00} to XXXX XXXX XXXX. I sent the company a letter on XX/XX/2023 detailing that my health insurance co-pay for emergencies is {$500.00} and asked to see a detailed accounting, the signed contract/promise with my signature and the Chain of Title from XXXX XXXX XXXX This is an In-Network hospital and I also pay XXXX the XXXX of every month. I never received the information I asked for but I did receive a letter from Asset Care, LLC on XX/XX/2023 stating they SOLD the Account! My credit report still shows a collection from Asset Care, LLC as of today. I need your help in removing this one and only collection from my credit reports. Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: Commercial Acceptance Company
State: DE
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 received a notice from XXXX on XXXX XXXX To be clear I never was sent proper notification via a dunning letter. Yet XXXX reported this medical debt for XXXX without any type of validation, and were totally dismissive during my outreach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I get daily emails from Kohl 's, mostly advertisements and sales related. The only emails I get from XXXX are the monthly statements and privacy notices. I was notified yesterday by my banking app that my credit score dropped XXXX points. I was alarmed and immediately set out to find out what account was delinquent ; it was my Kohl 's card, which I was under the impression had been paid. The Kohl 's app has a section that allows you to pay your Kohl 's card, which is how I usually pay. Every time I try to use the XXXX website, I get told my login is invalid or other error messages and have to reset my password or have the website email me my username, even though I have my login saved. I was trying to log in to see what happened with my account, and was told to call but not readily provided the number to call. I had to go back to the Kohl 's website to find a number to call. The person I spoke with at the call center pulled up my account and could not tell me why I was unable to log in, or provide my username, or explain why my previously scheduled payment went through. I had a screenshot taken during the day I paid, but did not have a screenshot or email confirmation number. She then was told by a supervisor that the website was down for an update and there was nothing more they could do for me at this time. I scheduled a new payment today and confirmed they were able to see it on their end, but they said there was nothing further they could do to help. I tried doing more research and found that amongst the daily emails I get, there was an email with the subject line 'Did you get a tax refund? ' - I had assumed it was advertising, so I hadn't read it previously. Upon opening it, in red letters it says Payment Required - never would I have guessed it was meant as a past due notice. I looked further back in the Kohls emails to see what I had received. I received statements from Kohl 's Card XX/XX/XXXX and XX/XX/XXXX with no emails in between. XX/XX/XXXX was the day the payment was due, which I thought I had already paid. There was no past due notice between XX/XX/XXXX and the statement sent on XX/XX/XXXX made no mention of the account being late or past due. I never received any letters other than advertising. After the phone call, I tried using the online chat and was told they could not help with anything other than removing a late fee- I don't care about the late fee, I care about my credit score that I've worked a decade to build!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed a few accounts and inquiries on my report I do not recognize

Company response to consumer: Closed with explanation