BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I called Bank of America about a fraudulent account open in my name. I provide the account # on the statement that was mailed to me which I received via regular mail today, XX/XX/22. The fraud representative advise he could not close the account with out me providing personal information to which I declined. Why would I provide any information if I am calling in to report fraud for an account with name associated. This is absolutely unacceptable. I advised the fraud representative that I will in fact sue Bank of America if this account impacts me in anyway. They have been advise the account is fraud and it should have been closed immediately upon notification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: ORG GC GP Buyer, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I contacted them on various occasions with out getting any results, I wrote and sent certified latter to them on XX/XX/XXXX and XX/XX/XXXX with out getting any results. They are claiming that I have a delinquent account with them witch is not true, the contract sent by them do not have my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Commenity bank representatives are calling me every hour between XXXX and XXXX from blocked phone numbers and leaving no messages. I asked them to stop contacting me in XXXX XXXX and they have since been calling from blocked numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: Paypal Holdings, Inc
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted PayPal and they have said there is no such bill outstanding due them.From my account. I have since closed my account. 


First notice for collection was recieved on XXXX from : XXXX XXXX XXXX XXXX XXXX 
Phone No. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. 
The notice said I owed {$120.00}. 


The second notice I recieved was from a different place. This notice said same amount {$120.00}. 
XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX 
XXXX, DE XXXX phone no. XXXX When I called it went straight to music. 

My name is XXXX XXXX XXXX XXXX phone no. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-03
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to rollover two separate IRA accounts. The IRA 's were suppose to be sent electronically from XXXX XXXX XXXX, to Regions Bank. One account was accepted, by having a required disbursement made and deposited into a CD account. The remaining amount that the disbursement was made from, was then supposed to be comingled with the other IRA & made into one separate IRA rollover. Regions documentation shows transfer was accepted, however the account that was set up, was cancelled, because Regions states " the account had not been funded ''. Then XXXX XXXX states " they sent a check to Regions. However, that check has not been deposited and account opened, This took place XX/XX/2017, the amount was 20,000 plus.

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 2022-04-05
Company: EQUIFAX, INC.
State: MS
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  Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2020 RESIDENT VERIFY/Inquired on XX/XX/2020, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 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 a account without my written instructions I XXXX XXXX XXXX DID NOT GIVE XXXX, XXXX, EQUIFAX ANY WRITTING INSTRUCTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
In XXXX of 2017 I turned in a lease early because I had a baby and was unable to use the two seater. When I received the bill and it was twice what it should have been, I asked for documentation and clarification that never came. Dealing with a newborn as a single mom, I let it go. 
Now over 5 years later, I have now disputed this debt nearly XXXX times over XXXX years. I have asked for proof and documentation over and over again, but all XXXX XXXX will send me is a negotiation for settlement. They clearly have my correct address and have refused, nearly XXXX times, to provide any sort of documentation. Yet will continue to falsely report and try to negotiate a settlement. 
The amount needs to be proven- its over double what it should be. The dates are almost all incorrect, including the last payment, the payments that were made, the open date and the close date. The payment history is also inaccurate. 
When they can provide how they got to the number they claim I owe, and can correctly report that information, I will stop asking them to do the right thing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My last payment on an old credit card issued by XXXX XXXX XXXX XXXX now XXXX XXXX and now sold as debt to Portfolio Recovery, was in XX/XX/XXXX making this debt passed the 6 year statute of limitations for debt collection in the state of Oregon where the credit card agreement/contract was signed. However XXXX, XXXX claims my last payment of {$1900.00} was made on XX/XX/XXXX, more than 3+ years passed my real last payment. Even more confusing, the debt collection account at Portfolio Recovery was started on XX/XX/XXXX, according to XXXX and XXXX. This doe n't make any sense. I have my bank statement from XX/XX/XXXX-XX/XX/XXXX and it shows no payments or deductions for anything near that amount or any cash taken out that would cover a payment like that. I did not make this payment. I believe it to be a shadow payment put on the books by XXXX XXXX to illegally extend the time limitations for almost 4 extra years. I called XXXX XXXX recovery department 4 times, they have my account information. They REFUSED to provide me with any details of my payment history to prove that the {$1900.00} payment was a sham. They went as far as telling me that they where in no way obligated to provide me any information on my account about payments because I was no longer a customer and because the debt was sold. Now Portfolio Recovery is now both buyer and assignee, which is also illegal. This debt is way passed the real statute of limitations time limit and the collection company refuses to remove it from my credit and the bank refuses to give any payment information to validate the debt, which is also illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
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: Personal information incorrect

Complaint:
am a victim of identity theft and I want this fraudulent information removed from my credit report immediatly : XXXX XXXX XXXX, XXXX XXXX Mi XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: EQUIFAX, INC.
State: OR
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: Was not notified of investigation status or results

Complaint:
I sent a dispute letter on XXXX/XXXX/XXXX, complaining about a wrong tax lien that was posted in my account. As of today, I still did not receive the results of the investigation and the negative item is still in my report. Equifax has been very unprofessional about this and they breaking FCRA laws " 609 - 15 U.S.C. 1681g '' and " 611 - 15 U.S.C. 1681i ''.
They insist that the item was verified without never doing any verification and the refuse to answer my question about the method of verification used as required by 611 - 15 U.S.C. 1681i paragraph ( 7 ) and paragraph ( 6 ) ( B ) ( iii ). They are breaking the law. Especially now with the new laws that went into effect on XXXX/XXXX/XXXX specifically about tax liens and other civil judgments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: EQUIFAX, 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: Account status incorrect

Complaint:
In XXXX XXXX I ordered 2 phones on XXXX as a brand new customer. i chose to pick this up in store. When I got there they said they could not process my online order due to a store error and created a new order for me and got me my phones. They said the other order would be cancelled. It was not. two days later fedex showed up with 4 phones with XXXX. I refused delivery and they were sent back. I went to XXXX store twice and asked them to make sure that they cancelled the other account and they said yes they did. 

On XXXX/XXXX/XXXX I went in to upgrade my phone and was told I did not have the credit to upgrade even though I am a current customer. Turns out they sent the first account that I refused over to collection. I called them and they admitted fault and said that they did receive the phones back. The rep, XXXX said this was the craziest thing they had ever seen. 

They reported this to my credit and took over XXXX points from my credit. Im losing contracts and business because my credit looks like I wo n't pay my bills. Per XXXX XXXX XXXX advice, I called back today ( we spent hours the day before dealing with this ) and asked them what they were going to do to make me whole and fix my credit. 

They were extremely aloof and said they had no supervisor to speak to. Would not help me. I tweeted customer service begging for help. As of now, no answer. They wo n't fix my credit or address getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
Western Union allowed a fraudulent payment from my debit card on XXXX XXXX XXXX in the amount of {$2100.00}. After contact from both my bank and me, they refuse to refund the money to my account. They also said they would give me a fraud account number to file with the local police, which they have not done. They allowed this charge without my pin information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
am a victim of identity theft and I want this fraudulent information removed from my credit report immediatly : XXXX XXXX XXXX, XXXX XXXX Mi 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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
am a victim of identity theft and I want this fraudulent information removed from my credit report immediatly : XXXX XXXX XXXX, XXXX XXXX Mi 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 2017-10-06
Company: Experian Information Solutions 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:
Experian XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX Phone # ( XXXX ) XXXX I have on my credit report showing account charge off for {$2900.00} and I have obtain back on XXXX/XXXX/XXXX a letter from the District manager showing a {$0.00} balance from the District manager and sign by him. On my credit report status on XXXX XXXX shows this but XXXX XXXX sent me a letter on XXXX as {$0.00} balance and Experian will not update my credit report as well as wrong information on the account showing. I have provided them with the letter from XXXXXXXX XXXX and there phone number if it needs to be verified but Experian has yet to do anything and keep telling me nothing is going to change. I want to no why is this when XXXX XXXX has tried to updated in the system with Experian but they want update the account showing as paid or remove the 90 days late on my file. I have tried month after month and nothing from Experian to this matter. I want the account updated and showing as a {$0.00} balance as I have proof from XXXX XXXX or removed from my credit file. 
I have been requesting this since XXXX and wrote and filed complaint letter and a dispute form with Experian. this is not right on there part.

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 2017-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Two fraudulent Hard Inquiries on my account. 
The first one is from XXXX Bank. It is showing up only on my TransUnion credit report. It shows up as : XXXX on XXXX/XXXX/XXXX, I was alerted and called XXXX on XXXX and told them was not me and that I need the inquiry reversed. They said they would have the inquiry removed. It is now XXXX XXXX XXXX and it is still showing on my XXXX XXXX account. I spoke to XXXX Bank agai, spoke with XXXX in their fraud department today, XXXX/XXXX/XXXX XXXX EST and they are again promising that they will remove the inquiry with XXXX days. anything you can do to make sure they really do it would be appreciated. 
2nd one was on XXXX/XXXX/XXXX. It is only showing up on my XXXX report and it registered as XXXX. I called the number that was associated with this also on XXXX/XXXX/XXXX and again was assured the inquiry would be removed. It also has not been removed off my XXXX report. I have been told that the XXXX stands for XXXX XXXX XXXX someone was trying to open a credit card in my name at XXXX XXXX. They have my social security number and a prior address of mine. I have put a freeze on all credit bureaus because of this but need these hard inquiries removed from credit report. Thx

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 2022-04-05
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:
I have notified Experian a few times about the XXXX account XXXX. As a consumer I have the right to a credit report that is 100 % accurate. The FCRA states " The 7-year ( credit reporting ) period referred to in paragraphs ( 4 ) and ( 6 ) 6 of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action 15 U.S.C. 1681c ( 1 ) '' according to my credit communication with XXXX my first date of delinquency was XX/XX/XXXX. This item was supposed to be deleted from my credit report back in 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 2022-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have been a member with this company for about 7 years and have not received approval for credit limit increases.I have great payment history with them and feel like i've been discriminated against even though I have had multiple increases in my salary since started a relationship with this firm. I have received multiple adverse action letters from this company! while I have 2 accounts from them!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: EQUIFAX, 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:
THE ACCOUNT FROM SANTANDER AUTO DOES NOT BELONG TO ME SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNT IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA & # XXXX ; s. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: NAVY FEDERAL CREDIT UNION
State: NC
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: Card was charged for something you did not purchase with the card

Complaint:
My soon to by ex wife who is not on my credit card. Took my credit card and charged up almost 6k worth of purchases and moved to Ohio. This is a sole account under my social security number that she was not even an authorized user on. I disputed the fraudulent charges, Navy Federal looked into it and said that they " did not think '' that my wife would be prosecuted and told me that was the end of the investigation. So they looked into the charges and stated that it was obviously stolen because I could not be in north Carolina and Ohio at the same time. They did issued me a new card but will not take care provide me credit for the debt even if I press charges. They need to press charges or whatever they have to do but they have zero fraud liability and they need to honor that. I want my the fraudulent charges reversed and my account to be back in good standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello, I received a PPP deposit into my Chase Personal Checking account on Friday, XX/XX/XXXX. The following day I called the automated system because I was surprisingly locked out of my online banking and it stated that the deposit was returned. However, Ive called numerous times and agents are either giving me the run around and keep transferring me OR they tell me its still pending but refuse to confirm the information that the automated system provided. I then receive an email stating that my account will be closing and theres nothing that can be done. 

They denied me for a business checking therefore I continue to use my personal checking for business purposes. I am a legitimate business who is entitled to the PPPA SBA loan that I applied and was approved for. 

I need confirmation on if Chase Bank really sent the money back to the lending bank so I can deal with the lending bank directly. Im recently found out that this is happening to numerous people and Chase Bank is advising some that they will be keeping the funds for 2 years and then sending them directly back to SBA and not the lending bank. I need to know if the legal and true and why are only some customers being informed this?

Company response to consumer: Closed with explanation