BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
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:
on XX/XX/2022 I accidently made a payment to Bank Of America to an account that I used to be a card holder on with my mother. The account had been closed because my mother passed away. I have opened an account under my name only and when I went to make a payment I sent it through a bill pay service to the wrong account. I spent hours on hold with BOA when I finally got through to them they told me what I would need to get it resolved. They told me I would need a death certificate a copy of my bill pay showing the payment and a letter explaining what happened. I provided them with all that information faxed it to them as well as emailed it. They acknowledge the payment of XXXX is in the closed account. I have asked they send me a check or transfer the money to my active account. I realize they legally have 30 days to respond but I have heard nothing. I send them the paperwork daily and ask for a phone call or some sort of response. it has been a month and a half and still have heard nothing. The next page is asking for the card number which I do not have because account is closed. I have the last 4 digits of the card number.

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 2020-11-14
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2020. I called and filed a dispute on the account. I never received notifications and the originator XXXX XXXX XXXX stated they could not provide information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Please investigate these negative accounts on my credit report I have disputed these accounts multiple times and I have received no verification as to why these accounts are on my report plus it has been more then thirty days

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 2017-06-18
Company: LoanCare, LLC
State: AP
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I 'm currently XXXX XXXX in XXXX XXXX and I have a VA home loan as of 2011. My original Home lender was XXXX XXXX. In the month of XX/XX/XXXX I noticed that my direct withdraw for my mortgage was not being done. I contacted XXXX and they informed me that my loan was transferred to LoanCare. I looked up LoanCare online and according to their website, they say it could take 60 to 90 days for the loan to complete. Around or about 90 days I contacted LoanCare regarding my loan and  asked if I could set up my online withdraw, I was told no not at this time and I could give my back account information or pay through XXXX. Paying mortgage through XXXX or giving away my bank account information without official notice of loan transfer is not the proper way of conducting business. I recently contacted LoanCare and was told that my Loan was in the process of foreclosure. As of todays date I have not received a loan transfer notification or notice of foreclosure.

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 2022-10-03
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
My XXXX XXXX Balance is still reporting incorrectly on all 3 credit Bureaus for the sum of {$3200.00}. The correct balance should be {$1400.00}.

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 2022-03-30
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I made a payment of XXXX to the credit card account with truist. It was never applied but paid to their app system. I called and they lied and claim they never got the payment. I have proof attached here it was made and went through.

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 2020-07-25
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Citi said I had to go to the credit Goverment and fix the issues?

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 2018-12-10
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I had two line of credits, its showing as a hard inquiries. I got the credits lines to build my credit but somebody told me I didn't need to have two credit lines to build my credit so I closed them out. I never even used the lines of credits. now I'm stuck with a hard inquire that wont seem to go away and its been almost 3 years now. i was young and trying to build credit but in the long process it hurt me because I closed them out.

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 2022-02-21
Company: Fidelity National Information Services, Inc. (FNIS)
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:
Their reporting fraud bank inquires

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 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Trans union is violating1692c i have not given written permission to report XXXX XXXX, XXXX XXXX, XXXX  XXXX  or XXXX XXXX  accounts on my report. They are also inaccurate violating 15 usc 1681.

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 2022-02-21
Company: Experian Information Solutions Inc.
State: CO
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 previously disputed this collection. I was looking over my credit report and they put a collection account that was not verified and originally deleted off of my 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 2017-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I continually receive  up to 30 m essages per day fro m Capital One c redit card company, trying to collect a debt. I am a person that lives on  XXXX  and this problem increases my  XXXX . I receive so many voice mail messages that it fills my inbox and I have missed very important medical calls and messages from my physician. Missed calls or messages from my care provides could result in delayed care that could be a threat to my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: DISCOVER BANK
State: CA
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:
Multiple collection accounts with no validation provided from the original creditor showing that this account is valid. 

disputed with credit bureaus directly and no response with proof of validation received Accounts are not valid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
State: GA
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:
Reporting act XXXX  DATE : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX DATE : XX/XX/XXXX and XXXX DATE : XX/XX/XXXX, XXXX XXXX DATE : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX DATE : XX/XX/XXXX, XXXXXXXX XXXX DATE : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX DATE : XX/XX/XXXXXXXX XXXX DATE : XX/XX/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. ALSO THESE inquires are in itself fraudulent and not done by more nor my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Reporting act XXXX DATE : XX/XX/XXXX, XXXX XXXX DATE : XX/XX/XXXX, XXXX XXXX DATE : XX/XX/XXXX and XXXX DATE : XX/XX/XXXX, XXXX XXXX DATE : XX/XX/XXXX, XXXX DATE : XX/XX/XXXX, XXXX XXXX XXXX DATE : XX/XX/XXXX, XXXXXXXX XXXX DATE : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX DATE : XX/XX/XXXX, XXXX DATE : XX/XX/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. ALSO THESE inquires are in itself fraudulent and not done by more nor my consent

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 2017-06-18
Company: Ad Astra Recovery Services Inc
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested a credit report in  XXXX   XXXX . At that time I noticed that there were several addresses where I never lived linked to my report. I also found that a delinquent account from the collection service  Ad Astra  for  XXXX   XXXX  was listed on my report. I have lived in Oklahoma since  XXXX  and have NEVER used a payday loan service. I disputed the false addresses a nd Ad Astra account. I did get the addresses removed, but have tried for several years to have the negative report from Ad Astra remove d.     I have repeatedly disputed this information on my account and have never received any direct notification from  Ad Astra un til  XXXX   XXXX   XXXX . This account does not belong to me.  XXXX   XXXX  has closed this account on my report, however  XXXX  has not done so after repeated disputes.     I have tried to find an email contact  for Ad Astra to contract them without success. I will not call them due to other consumer complaints about threatening phone calls from Ad Astra.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I am currently using the app   XXXX   XXXX   and my bank isnt sending my informati on I request as needed. ( Account balance/banking ). I 'd really appreciate if they started to send my information and be on top of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18
Company: Pendrick Capital Partners Holding, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Received a letter from this company  XXXX   XXXX  claiming I owed money on  a 4 year old h ospital visit {$660.00}. At the time I had  XXXX  and a supplement, at the same time they filed as a collection account with the  XXXX  major credit reporting agencies in order to wreck my credit and force me to pay. In the letter I was given 30 days to notify them if I disputed the validity of the debt, however they notified this as a collection account immediately to the agencies. I have called them twice and can get no answers, these are sleazy scammers. If you note in the letter they cant even spell my name correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
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:
To Whom this may concern I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TD BANK US HOLDING COMPANY
State: CA
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:
Multiple collection accounts with no validation provided from the original creditor showing that this account is valid. 

disputed with credit bureaus directly and no response with proof of validation received Accounts are not valid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: eMoneyUSA Holdings, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I wish to submit a complaint about eMoneyUSA, an online lending company. My specific complaints are as follows : 1- In XX/XX/XXXX, an unknown individual was able to take out a loan from eMoneyUSA using my name and SSN. When I obtained a copy of the application from eMoneyUSA, it did not appear that they had performed adequate due diligence to verify that individual was, in fact, me. The name he used was close to mine but spelled incorrectly. Some of the other details were correct ( like home address ). I did not see any signature on the application. 
2- When I found out about the loan, I filed a police report. I submitted a copy of that police report, as instructed, to eMoneyUSA, the collection agency they had engaged, and the credit reporting agencies. In spite of that, eMoneyUSA reactivated the collections process in XX/XX/XXXX, triggering another adverse entry on my credit reports and a drop in my credit score of XXXX points! I spent many hours correcting the issue AGAIN. I have not been given a satisfactory explanation as to why the collection process was reactivated. ( At first, eMoney said it was because I did not send them the police report back in XXXX, but I showed them the email trail and they conceded that I did! ) Given the circumstances, I am not at all confident that eMoneyUSA can/will ensure this doesnt happen again!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: NAVY FEDERAL CREDIT UNION
State: MI
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:
On XX/XX/2022 I applied my credit for a loan online through Navy Federal Credit UNION. I was immediately denied for whatever reason. I called XXXXXXXX XXXX,2022 and spoke with a spokesperson asking why I was denied my own credit. She said that its an overall review of my credit ( which I have good credit, 100 percent payment history etc ). But what law states that Im subjected to a score? Under the U.S. Code law, the powers and duties of banks are Borrowers and I should never be denied my own credit. Banks take my information and sell it without my consent. No consent is identity theft! I am the original creditor because I am the only one who can extend credit. Again, I am the original creditor!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Company: CITIBANK, N.A.
State: AR
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:
THERE ARE HARD INQUIRIES ON MY XXXX I AUTHORIZED XXXX INQUIRY ONLY DELETE FROM XXXX   TODAY

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 2018-12-09
Company: NAVY FEDERAL CREDIT UNION
State: GA
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/2018 my checking account was fraudulently used. I did not know until my mother tried to use her card and found that the account had a freeze on it. My mother 's account was affected also because we shared accounts. We went into our local Navy Federal Credit Union to find out why and was told that no one can discuss anything about the account and that it was under investigation and was given a print out of my transactions. The print out showed how someone deposited over {$5000.00} into my account from another person 's account and then withdrawn at XXXX supermarket by way of money orders. The bank rep gave use a business card with a phone number and a name ( XXXX ) and said to call the security dept. only they will speak to you. This led to the worst experience ever. The person I spoke with would not give me any information and did not really know who XXXX was. I called, my mother called multiple times. The only thing they said is that security does not speak directly to anyone and that this investigation would take 15 days. I continued to call for the next 3 days trying to communicate with the bank. I told them that I'm a XXXX XXXX XXXX  and that my payroll check will be deposited into that account in a couple days and I needed that money for school. Again no one would speak to me. On XX/XX/2018 I tried to log on to my account and I could finally get into it and there it was over {$4500.00} in the NEGATIVE and they had applied my pay check to the negative. I called the bank and someone told me that the investigation was done and that I'm at fault. Every dime I worked for GONE! plus I owe them over {$4500.00} according to them. This is wrong. I had nothing to do with what happened. They never called to speak to me, they never interviewed me or mom ( whose account was also frozen ) they came up with a decision in 72 hours! Who did they talk too? wheres the video of the people purchasing the money orders? This could be an inside job. I don't deserve this. I'm only XXXX years old, I work and in college. I want my money BACK and account cleared.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation