BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-19
Company: TrueAccord Corp.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company by the name of TrueAccord continues to contact me in reference to an alleged debt that I am not aware of. They have stated the amount of the debt is XXXX and XXXX. I have requested multiple times that they verify this fraudulent debt and they have failed to provide me with the proper verification to investigate this alleged debt. I have sent multiple letters to this company. I have now sent in another letter and also provided a police report of this matter as this is reporting negatively on my credit report for a debt not mine or verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08
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: Was not notified of investigation status or results

Complaint:
I've filed a dispute with XXXX and Experian requested an investigation on collection transactions filed against my credit report from XXXX XXXX XXXX XXXX, whom has violated the FCDPA law, reporting an old debt that is more than 12 years old. According to FCRA law, consumer reporting agencies may not report outdated negative information that is more than 7 years old, which in this case the debts were 12 years old. 

The consumer reporting agencies did not investigate this matter, they simply sent me a letter stated " Information verified as accurate '', which did not resolve the issue. 

According to FCRA law, I demanded that the consumer agencies to remove the collection accounts from my credit report that were filed by XXXX XXXX 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 2021-03-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2020 {$1000.00} was given to someone using a stolen ID and they used a withdrawal slip at a branch on the opposite side of town. My wallet was reported lost in XXXX to Wells Fargo. I reported the transaction as fraudulent. In XXXX I had to reopen the case after Wells Fargo Closed it saying it was my hand writing on the withdrawal slip which It was not. It has now been another 3 months and no resolution. I manage a clothing store in XXXX XXXX and was at work when this happened. Thank you for any help you can give me.

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 2022-01-19
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$2000.00} XXXX XXXX {$2900.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$8400.00} XXXX XXXX {$3800.00} XXXX CARD XXXX {$5000.00} XXXX XXXX XXXX {$0.00}

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 2022-06-20
Company: FIRSTBANK PUERTO RICO
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
FIRSTBANK FLORIDA 4 6 POTENTIALLY NEGATIVE MONTHS Balance details Balance on XX/XX/XXXX Original loan amount {$19000.00} Account info Account number XXXX XXXXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On X/XX/17 I attempted to log on to my credit card account as usual ( to track purchases ) but was denied access unless I provided my annual income. I am a 20 year user of this card with no missed payments and a lot of credit I have never used. I saw no reason for their needing information regarding my annual income except to target me for credit increase offers or other offers. I explained I did not currently want either. If I were to initiate a request for a higher credit cap, I would certainly understand their needing my current income ; otherwise, especially given my record with their company, no. I will be closing this card and leaving Capital One. Extremely disappointed in this approach to a longstanding customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
Phone call to XXXX and XXXX to inform them that this debt owed to Capital One Bank USA was included in my bankruptcy on XXXX 2014. It 's noted on my credit file with XXXX but not recorded with XXXX or XXXX. Asked them to follow suit with no resolution as it is being reported on both as charged off or delinquent. Then after that call it showing as updated and a new hard inquiry which is putting a negative mark on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 INQUIRIES THAT ARE LISTED IN MY FTC REPORT ARE NOT MINE. I HAVE NEVER APPLIED FOR ANY OF THESE PRODUCTS. I HAVE SUBMITTED THE PROPER DOCUMENTS TO BLOCK THESE INQUIRIES FROM MY CONSUMER 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 2022-01-19
Company: NAVY FEDERAL CREDIT UNION
State: SC
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:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on NAVY FCU. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been a Bank of America client since XX/XX/XXXX. I have never had an overdraft, a NSF, or a returned check. My checking and savings accounts with Bank of America are in perfect standing. 

In XX/XX/XXXX, I was approved for the Bank of America Travel Rewards Visa credit card with a credit limit of {$2000.00}. I have never missed a payment and my account is, as far as I know, in perfect standing. 

On XX/XX/XXXX, Bank of America sent me a letter stating, This letter is to advise you that your above referenced account has been closed because your risk profile no longer aligns with the banks risk tolerance. 

As of XX/XX/XXXX, I had over {$100000.00} on deposit with Bank of America. As of XX/XX/XXXX, the total credit available to me from Bank of America was {$7000.00} across two Visa credit cards. Both credit lines were closed, without warning, by Bank of America. 

Despite the fact that the funds on deposit are at least 14 times greater than my available credit, and my payment history is 100 % perfect, the bank claims that there is a problem with my risk profile. 

I have contacted multiple departments within Bank of America, even writing to the Office of the CEO, and all I have been told is that my account is closed, the decision will not be reconsidered, and Bank of America has no obligation to tell me why I am being denied credit.

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 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have been a vicitim of identify theft froud when I went to rent and apt i discovered that my ex boyfriend at leaset that what i believe used my personal information to obatin credit apartments and ect in my name without my knowledge i am watching my credit daily and this item poped up in which it does not belong to me and i would like it removed deleted and updated ASAP XXXX XXXX also know as XXXX XXXX XXXX for {$650.00} opened XX/XX/XXXX I have contacted my local police and made a report also the FTC this man has been trying to mess up my life since i broke up with him but I have no real proof my information has also been in serveral data breacheXXXX XXXX XXXX XXXX  amount {$1300.00}

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 2022-01-19
Company: EQUIFAX, 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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$2900.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$8200.00} XXXX XXXX {$3800.00} XXXX CARD XXXX {$5000.00} XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: CCS Financial Services, Inc.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt says I owe XXXX XXXX AND XXXX opened on XXXX XXXX AND XXXX XXXX. I have attached my Change of Address form from where I transferred from XXXX  to XXXX  XX/XX/2020. I am not in a XXXX area. How is it possible to open one account 1 month then a second one again. I can not understand this company and its policies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 Account Name : XXXX XXXX, Their Address : XXXX XXXX XXXX FL XXXX XXXX, FL XXXX Phone number XXXX and Account # XXXX Account Name : XXXX XXXX XXXX, Their Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Phone number XXXX have 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 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 Account # 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 2017-08-22
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am a XXXX XXXX XXXX. I filed a chapter XXXX bankruptcy and indicated on the schedules that she wanted to reaffirm her mortgage. Wells Fargo Home Mortgage sent the reaffirmation agreement late, and then would not file it once they received it. We faxed it to them and mailed it on XXXX XXXX, XXXX. This is 1 week before the deadline. They received the paper letter within time to file it, and claimed to have never received the fax. Our fax had a verification of delivery. They told us twice on the phone on XXXX XXXX, XXXX that despite having the paper they would not file the paper. Filing it takes approximately 45 seconds. Despite having the signed reaffirmation agreement prior to the deadline, they refused to file it. They instead said that the lawyer should file a motion to extend the time to object to the discharge. Wells Fargo Home Mortgage also has standing to prepare and file such a motion. They refused to prepare or file it. A motion like this costs over {$1000.00} of attorney time plus postage and service costs. They refused to reimburse the borrower, their customer for these costs.

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 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In XX/XX/XXXX, I tried contacting XXXX XXXX credit numerous times in regard to suspicious activity and some charges on my account. There was no way to get ahold of them. I tried via telephone, online messaging, and email. Nothing worked and no one contacted me. As a result and for fear of my account being compromised, I put a payment block on XXXX until I was able to speak to someone. I spent over 5 hours on the phone on multiple occasions to no avail. In XXXX of XXXX, without prior warning, I was notified that XXXX was closing my account. I had still made payments through their online system, however since my automatic payments were cancelled, due to suspected fraud, they closed my account. They sent me a notice stating this and my credit agency notified me that the account was closed with a XXXX balance. Because the account was closed by the bank, this adversely affected my credit report. I verified with my credit agency that the account had been closed with a XXXX balance, sent a letter to XXXX informing them I was told I did not owe any money after they closed the account. After a dispute, the credit agency ruled in my favor and removed the negative remark from my account. Now, four months later, XXXX is back demanding payment via collection calls and they have once again filed a negative remark despite this having been settled. This is a violation of my rights and I am sick of being harassed by them. I want this to stop and I want my credit report restored to good standing. Maybe XXXX should focus on responding to fraud investigations and customer complaints more proactively so they dont have to violate consumer rights due to their own mismanagement.

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 2020-04-23
Company: ALCHRO INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to turn you in to immigration or deport you

Complaint:
This information was provided thru my XXXX Account : XXXX XXXX XXXX {$75.00} Original creditor : XXXX XXXX XXXX XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$75.00} Highest Balance {$75.00} Opened XX/XX/2014 ( 5 yrs, 8 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: Experian Information Solutions Inc.
State: MS
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:
Im not sure of the exact dates. But within the last 7 months ive submitted letters to to XXXX, Experian and XXXX to have them remove a lot of credit inquiries from my credit report.. the only response i get from lall three bureaus is that all the inquiries are validated.. validated how? Ive never gotten a detailed examination of each bureaus imvestigation. The majority of my inquiries are unauthorized. Ive also called all three bureaus and they are no help.. Im tired of my inquiries stopping me from getting approved for anything. I work hard everyday and cant get what i want because of the shady nature of the credit bureaus refusing to acknowledge legitimate credit inquiry removal letters.

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 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 Account # 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 explanation
Consumer complaint received 2017-08-22
Company: GVA Holdings, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I started the loan on XXXX/XXXX/XXXX and did n't really understand what I had gotten myself into I took the loan out for {$390.00} and they have been taking a payment in the amount of {$110.00} every 2 weeks. I have been contacting the company since XXXX/XXXX/XXXX to get the payoff balance since then. I have called for over 3 weeks. I also asked them to not take any more money out of my account as I was trying to pay it off in because there is no penalty for paying it off early. the answer I get is that the system is down and it still down. Now in the last week and a half they do n't answer and want you to leave a voicemail but do n't return calls. I had to go to the back and pay {$25.00} to get the unauthorized charges after I told them to stop taking money from my account since I was paying the account off. This has a 730 % interest rate. I think that this might be a scam. The systems are down they are able to take money from peoples accounts for the payments. They are still able to start new accounts but they are unable to allow you to pay the account in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: Amsher Collection Services, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For the past 5 days I have received numerous calls from a phone number associated with a debt collection agency dba as Amsher. They are calling from XXXX and then either hanging up or leaving empty voicemails on my phone, both of which are most unwelcome and unwarranted practices.

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