BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.

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 2017-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On  XXXX   XXXX ,  XXXX  a family member purchased a first Bank  Bond  from the  XXXX   XXXX  Bank. The bond type is  a Bonus Grow Bond and they accepted for deposit the sum of {$500.00} with a 7.5 % interest rate as evidenced by the bank bond issued by t he  XXXX  Branch #  XXXX .     On  XXXX   XXXX ,  XXXX  my mother went to the bank to check the vaule of the bond and found it to be worth {$1100.00}. It is an automatic renewal bond. Sometime after  XXXX ,  XXXX  Bank was purchased by Bank of America. I have tried numerous times to contact BOA and have the bond cashed out but they say they can not find any information on this bond. the physically had the bond in thier possession at the BOA branch located in  XXXX   XXXX , SC and said they do n't know what to do with it. I have researched the sale of  XXXX  t o BOA and know that BOA, at the time of the purchase, assumed all liabilities and accounts. I want my bond cashed out, however they have refused to do so saying they have no record of it because its been longer than 7 y ears ago.

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 2021-12-15
Company: EQUIFAX, INC.
State: AR
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:
My last compliant was XX/XX/2021. I have been disputing accounts and sending the company 3 FTC reports by certified mail return receipts. The company last response was that they don't know what accounts I'm disputing but on page 4 of the FTC report shows the 3 accounts as follows XXXX, XXXX XXXX, and XXXX. Page 3 and page 4 shows the inquiries, names, and accounts that are not mine and was identity theft. I have sent my reports from the FTC and several other dispute letters and also an invoice that was due by XX/XX/2021 with no response in the mail. I demand these accounts be deleted and blocked and I am sending another invoice and court document

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: GOLDMAN SACHS BANK USA
State: FL
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:
Apple card responded to a prior complaint stating the dispute was reopened, I was given a temporary credit and they send information to me to respond to complaint. Despite numerous calls and feedback through prior complaint here - still No contact with anyone dealing with dispute, letter sent to me had no details on it. 

However new issue is that company has removed from account credit limit the amount under dispute. Punishing me the client and restricting my ability to use card. This is unacceptable - why issue me a credit thrn take way the ability to access that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I owe my  XXXX  credit card from capital one {$300.00} and for a month they have been calling m e 5-7 tim es a day. I have asked them several times to stop calling me I will pay it when I can and not ev en ten minutes  later I will receive another call from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: EQUIFAX, 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 asked EQUIFAX and XXXX to remove both Bankruptcies from my credit report. I have had several years of perfect on time payments at 100 % but these bankruptcy cases both have prohibited me from owning a home no matter how hard I try! XXXX is XXXX and XXXX XXXX XXXX and XXXX was a XXXX XXXX that was converted in error because I filed prematurely in error and had not waited the allotted time, but EQUIFAX and XXXX are reporting a dismissal of XXXX but in fact its still a XXXX XXXX dismissal, and should only be accurately reported from 2018 and I only have 7 years on my credit. As I BELIEVE THE LAW TO BE AS FOLLOWS : The FCRA states only the legal maximum amount of time bankruptcies can appear on your report and not the minimum. This means a bankruptcy can be removed earlier than the legal maximum, but it must be proven that it is misreported, ( XXXX XXXX conversion ) unsubstantiated or otherwise found inaccurate. The Fair Credit Reporting Act, 15 U.S.C. Section 1681 et seq., is the law that controls credit reporting agencies. The law states that credit reporting agencies may not report a bankruptcy case on a person 's credit report after XXXX ( XXXX ) years from the date the bankruptcy case is filed, I am at XXXX and XXXX XXXXXXXX  from case XXXX. Generally, bad credit information is removed after XXXX ( XXXX ) years. Please help me one and for all! I exhausted for fighting for my rights as I HAVE FILED DOZENS OF COMPLAINTS AND WOULD LIKE THIS TO BE THE LAST ONE FOR YEARS TO COME!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: U.S. BANCORP
State: MI
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
We have had a USBank XXXX credit card for many years. On or about XXXX XXXX US Bank called us about XXXX questionable charges that were on our card and we informed the caller that all three were not made or authorized by us. Because of this we started checking our account online and found that on XXXX XXXX XXXX of the fraudulent charges, a XXXX XXXX charge for {$980.00}, reappeared on our statement. Since that time we have called USBank XXXX or XXXX times and talked to a fraud representative and each time we were told the contested amount would be removed. Most recently, XXXX XXXX we called as the charge was still on out statement and was told that a 'case processor ' would call back within XXXX hours. We called again on XXXX XXXX because the account due date is XXXX XXXX and was told the same thing, that a fraud claim was open and someone would call within a couple of days. As of the due date the amount is still on our account. We are XXXX XXXX XXXX and have a XXXX credit rating that we want to preserve so any action from the cfpb to assist in resolving this claim is greatly appreciated.

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 2021-12-15
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Bluebird by American Express has completely locked all out of its users. We can not access our money. We can not check our balances. We can not call customer service. We are left completely in the dark for the past 12 hours. We have no idea what is happening with our money. There is absolutely no communication from Bluebird by American Express about the issue. They only provided canned responses and claim that we can continue to use our cards as normal ( which we can not ). The cards are getting declined at ATMs and POS 's.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-21
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MI
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was contacted by someone on  XXXX   XXXX  saying they were an account manager at  XXXX     XXXX    and that i can receive an cash refund which is entitled to me and is legal and legit, so that being said i shall receive the amount of {$6000.00} if i pay {$300.00} in the form of cash and send this amount to an agent and that i will receive the full amount by this person with an reference number in money gram form, i then sent {$300.00} in cash for pickup by said agent to send it to, i knew i was scammed when the transaction was not returned on my end and did not receive said money as promised and tried to call the number given back, a man called me saying that my money is on hold at my financial institute and that i will have to pay another added {$150.00} for a deposit to receive my cash refund and i received several other calls from this person the next 2 days asking for more money and he told me this is legit and legal and that i was assure i will get my money on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: Medical Data Systems, Inc.
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Through a credit monitoring service I received notice of a collection account appearing on my credit report. On my credit report the account was reported by the collection agency  Medical Data Systems , Inc., h aving originated with  G  XXXX   XXXX   XXXX   Hospital.  XXXX  Hospital  had provided me a service in the Summer of   XXXX  .     I contacted the hospital and found that they and the collection agency both had an incorrect address on record.     My address is  XXXX   XXXX   XXXX   XXXX  in  XXXX , VA. They recorded  XXXX   XXXX   XXXX   XXXX . The first     XXXX     in my address was transposed to a  XXXX . I did not provide them with an incorrect address to my own home. Any mail sent to  XXXX   XXXX   XXXX  would have been returned to the sender.     I paid the bill immediately and received a receipt that memorializes the address error. It also has my name partially misspelled. I have included this receipt here, along with other documentation recording my correct address and name.     When I contac ted Medical Data Systems t  hey insisted that this was a valid debt and refused to remove it from my credit reports. Nothing  resulted from disputes I filed with the  XXXX ,  XXXX , and  XXXX . It now appears that the wrong address has been added to my credit reports.     I paid the bill as soon as I was made aware of it.     Prior to seeing the collection reported on my credit report, I received no notifications of the balance due.     I do n't think my credit should suffer because of a billing error.

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 2021-12-15
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: Investigation took more than 30 days

Complaint:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.

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 2022-04-06
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:
Transunion is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 7 complaints informing Transunion that I was a victim of identity theft. Transunion is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Transunion has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-12-20
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I have my pay roll check coming to this blue bird prepay card .. I have money in this account that I can not withdraw or use to purchase anything. I cant check my balance and when I attempt to call the customer service there is no answer .. I need my money and they are holding my money hostage this has to be illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
B ank of America  is using  XXXX  for extortion, and on a frivolous debt that has not been validated, this has caused me SEVERE DAMAGES!! as i am currently in litigation with  XXXX   [   XXXX   XXXX  & gt ; agent ] for their reckless malicious criminal activity of blocking me from banking activity for at l east 2 1/2 years, preventing me from havin g a stock broker  account, costing me hundreds of thousands in lost profits, preventing me from selling a   XXXX   or two   o n  XXXX , preventing me from selling my   XXXX   online, preventing me from selling on an online auction website, and making my life miserable and causing me suffering of poverty  XXXX  Bank  of America  unlawfully breached my information to   XXXX   and this is a   XXXX   discrace, now there s 2  investigators names   XXXX   XXXX  i, and  XXXX   XXXX  & gt ; [ of which are liable in their private capacity unless they produce their bond or liability  carrier ], adding to the damages by committing crimes of 18 USC 241,   conspiracy against rights and using fictitious names and still can not produce VALIDATION OF ALLEGED DEBT or A VALID CURRENT CONTRACT!!! I h ave 2 statements from 2 bank s stating  XXXX  is making a bad report, and i will find the letters soon, Bank  of America told me 1 1/2 year ago they were using  XXXX  to report on this FRIVOLOUS DEBT , plus its right in their response letter they will use  XXXX  as a threat to me, heres just a few profits i lost, if i had  XXXX  $ to invest o n one stock did 1600 % in one da y i could have made  XXXX  $ and thats just one investment out of many i was prevented from investing because i was blocked from banking, Becaus e of Bank of America and their CRIMINAL EXTORTION RAQUETEERING FRIENDS!!!!! THESE ARE MISCREANT S!!!     XXXX   XXXX   NO GOOD SLIMEBAGS, I CAN SAY ANYTHING I WANT WHEN THERES PEOPLE WRECKING MY LIFE VIOLATING THE LAW AND MY RIGHTS!!! ROTTON  XXXX !!!       1.  XXXX  : Alert at  XXXX . Hit highs of  XXXX  for up to 1,672 % GAINS!   2.  XXXX  : Alert at  XXXX . Hit highs of  XXXX  for up to 348 % GAINS!    XXXX .  XXXX  :  Alert  at  XXXX . Hit highs of  XXXX  for up to 364 % GAINS!    4.   XXXX  :  Alert  at  XXXX . Hit highs of  XXXX  for up to 392 % TOTAL GAINS!    5.   XXXX  : Alert at  XXXX . Hit highs of  XXXX  for up to 1,067 % GAINS!   6  XXXX   XXXX   : Alert at  XXXX . Hit highs of  XXXX  for up to 1,014 % GAINS!   7.  XXXX  : Alert at  XXXX . Hit highs of  XXXX  for up to 618 % GAINS!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid in full the amount of XXXX to Comenity bank/ XXXX  . My credit report reflects that this amount was written off. I called on XX/XX/2019 and the representative said that I would need to contact someone else, and that my account was sold. He also told me that he would mail me a letter stating that I paid in full. I am requesting that my credit report reflect that I, in good faith, paid the account in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Genesis FS Card Services, 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  account Has violated my rights 15 USC 1681 section 602 States I have the right to privacy 15 USC 1681 section 604 A section 2 : Also states A consumer reporting agency Can not furnish a account Without my written instructions 15 USC 1666B : A creditor may not Treat a payment On a credit card Account Under an open End consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Consumer Adjustment Company Incorporated
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 a complaint was submitted via CFPM regarding an account that XXXX XXXX ( XXXX ) is reporting in error to the credit reporting agencies. On XX/XX/2021 XXXX  responded to my original complaint outlining that they have documents that were provided by the original creditor related to the validity of the debt they claim I owe. XXXX claims they " emailed '' the documents to me but I have never provided XXXX with my email address. On XX/XX/2021 I wrote XXXX requesting validation and a response via U.S Mail. As of today XX/XX/2021 that response has not arrived nor has it complied with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
BANK O F AMERICA,   XXXX     2016, I ha d my wallet stolen in  XXXX   XXXX  NJ. Police report was filed and all institutions were notified and cards cancelled. On  XXXX / XXXX /   16 and   XXXX / XXXX /   16 th ere were  two fra udulent transactions in my Bank  of America  account. Each time {$1800.00} was withdrawn from my savings account from  2 different locations. I have never withdrawn any money from this account nor have I ever banked at either the   XXXX  or  XXXX  branch locations. I filed another Police report and notified Bank  of America. I have addressed the situation numerous times at my lo cal   XXXX    branch and  on the phone with  Bank of America . In  XXXX , my local branc h manager, admitted that the charges were fraudulent and added ba ck {$1800.00} to my account and stated he had to wait to add back the additional {$1800.00}. In  XXXX ,  Bank of America n otified me that the case was closed and they removed the {$1800.00} credit leaving me with a - {$3600.00} deficit. I have tried numerous times to get answers and have only been told the case is closed.  Bank of America  never contacted me and they never looked at the police report that was filed. I am happy to provide more information such as accounts, names, and police reports.

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 2019-08-22
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Viewed credit file through Experian in reference to XXXX XXXX ( XXXX XXXX XXXX ) account showing charged off in the amount of {$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 explanation