BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XX/XX/2016, I became a victim of identity theft/credit fraud. Someone opened credit accounts in my name. I have since contacted those companies to have the fraudulent accounts cancelled. Yet the credit reporting agencies still show the incorrect information. XXXX shows the fraudulent address used to apply for the accounts. Equifax still shows the credit inquiries for the accounts applied for. Please correct the following information : XXXX - Please removed the fraudulent address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX EQUIFAX - Please remove the credit inquiries for the following companies : XXXX XXXX XXXX and XXXX XXXX Please let me know if you need any additional information. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: U.S. BANCORP
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I 'm writing a complaint against US Bank for false and wrongfully reported information regarding my closed bank account to XXXX. U.S. Bank has reported a " transactions involving items are checks returned as uncollectible '' with Close your status " NOT REPORTED '' this information is nor true or valid. The complaint is inaccurate incomplete and a abuse of power. As documented on my federal credit report to XXXX 's and XXXX I have a credit freeze in multiple reports ab as documented on my federal credit report to XXXX 's and XXXX I have a credit freeze in multiple reports I filed regarding my identity being stolen and I am a victim of identity theft. US Bank close my checking account due to a negative balance this negative balance was related to deposits made into my account from XXXX XXXX 's personal checking account that was later revealed as a closed account. U.S. Bank debited my account twice without refunding the duplicate debit. U.S. Bank ignored my inquiry of account closure, documented identity theft, duplicated debited transactions without refund or cause. I think account was overdrawn for two days and I paid the negative balance in full receiving the rest of my funds XXXX laters in the form of a cashiers check via mail. All items FEES and ALL DAMAGES I PAID INCLUDING ITEMS OF FRAUD AND IDENTITY THEFT THAT WAS DONE TO ME AND VICTIMIZING MY LIVELYHOOD BY A CRIMINAL. A criminal I had subsequently fallen victim too and have been severely punished for acts done by a criminal. I want this account removed permanently from my file and U.S. Bank to held accountable for unethical participation engaging in fraud and identity theft, along with not following procedure and protocol with the theft of my money

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX and XXXX XXXX, my funds were stolen from my checking account through online/debit card. I filed a claim with my bank XXXX Bank of America ) on XX/XX/XXXX but to no avail. These are the bank representative I spoke with concerning this matter.. 
XX/XX/XXXX - XXXX XXXX New York ) XX/XX/XXXX - XXXX ( Georgia ) XX/XX/XXXX - XXXX XXXX - XXXX ( Texas ) XXXX XXXX XXXX  ( Tennessee ) Claim No : 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 monetary relief
Consumer complaint received 2019-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
1. {$300.00} direct deposition XX/XX/2019 from XXXX XXXX XXXX for my XX/XX/2019 cover story. 
2. Wrongful " monthly maintenance fee '' charged XX/XX/2019, despite direct deposit. 
3. Unhelpful, snooty, discourteous telephone banking clerk " XXXX '' failed to fix it.

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 2017-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX XXXX/XXXX reported my balance as being thirty days delinquent and it was not. They explained to me when I contacted them that they were going to use what they called a reset to fix and correct the error that they were solly responsible for by their own admitition as being incorrectly reported on all three credit bureau agencies XXXX XXXX and Transunion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: ALLY FINANCIAL INC.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ALLY FINANCIAL has repeatedly ignored and did not verify or validate debt and continues to engage in collection activities on XX/XX/2020, a repossession company moonlight repossession contacted a unknown third party giving out my information and giving third party repossession information. 

On XX/XX/2020, sent my first letter dispute letter utilizing my UCC abilities in requesting additional information on the account and to this day I have not received no information regarding the documents requested as they state these documents are not legally binding to them attached. 

On XX/XX/2020, ALLY FINANCIAL received second UCC  dispute letter utilizing my ability and requesting documents as well as verifying information. Attached On XX/XX/2020, I sent another letter requesting payment information and the original instrument of indebtedness and to date no verification or document received. 
Attached. 

On XX/XX/2020 moonlight repossession hired by ALLY FINANCIAL spoke to a unknown third party regarding me and did not observe the reason they were present and entered the residential address property with no purpose and no contract between me and them. Attempting to collect on a debt for ALLY FINANCIAL. 

On XX/XX/2020 sent out cease and desist until purported debt is verified and validated attached. Again utilizing my UCC abilities. 

Ally financial is violating federal codes and ucc code being a financial institution Not marking the account as dispute however advised me Im committing fraud restricted my account and abilities and sending other agencies to harass me. 

Defamation of character Mail fraud Violation of the fair debt collection practices act Violation of fair credit reporting act All letters sent from me through certified USPS mail

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 2017-05-26
Company: Account Brokers Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I sent a dispute letter to Account Brokers for a medical debt from  6 yea rs ago requesting validity of debt. They responded by serving me a pattern interrogatories unde r CRCP 369 le tter. No court date was listed on the letter and it was not signed by the court. The women who served me at  XXXX  at night threatened that if I did not comply, that I would be arrested. The case number they had listed on the letter was from XX/XX/XXXX   T his is not only an illegal threat it is also in violation of the  SOL in   Colorado since the debt is from    XX/XX/XXXX .   Also, falsifyi ng information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: EQUIFAX, 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 status incorrect

Complaint:
I opened a personal loan with  XXXX   XXXX   XXXX  in early  2017.   I reviewed my credit reports earlier and noticed that  XXXX   XXXX  listed    XXXX   separ ate accounts on my  XXXX  and   XXXX   credit reports.  One of the accoun t listed an account that was open for a month and then sold to another lender. A new account then appears which is the one which is still valid. I Only opened a single account and do not wan t   XXXX   account s listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: Seterus, Inc.
State: TN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
XXXX XXXX sold my mortgage payments to Seterus or XXXX and they are trying to foreclose my home saying iam two or three payments behind when iam not.Everytime I talk to them add a month and saying I owe {$2500.00} for two payments and my house payment is $ XXXX.Two payments is about $ XXXX.I believe they 're trying to rip me off.I know they 're trying to get more monies off me andy family.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: EQUIFAX, INC.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I tried to apply for account with XXXX XXXX. I was declined because Equifax XXXX for being a victim of fraud in the past. Unfortunately, there is no way to dispute or get removed from this XXXX. Equifax maintains and sells this XXXX ( of all past victims ) because it considers them guilty and part of the problem. I have several banks reject me similarly because of this blacklist in the past. I filed complaints ( eg Case number : XXXX XXXX, however, Equifax refused to remove me from XXXX. Equifax is acting as an underground court deciding who is criminal and who is not. Equifax is not a court of law and is not authorized by any govt agency to assume all victims of fraudulent transactions as criminals.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am supposed to make a monthly payment to pressler & pressler by the XXXX of month according to a XXXX stipulation. 
Every month i paid with a credit card. Pressler & Pressler shut off their credit card payment system. I sent to P & P copy, and they did not fix issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 made a payment to cap ital one f or {$280.00}. They claim they have returned check for this amount. Contacted my bank  XXXX  who told and gave me ( written confirmation ) that  capital one never   attempted to draft {$280.00} and they never returned it obviously. I tried correcting this error by phone multiple calls send documents proving capital ones mistake. Capita l one stat ed they would not reprocess the original payment that I had to make it again. Well I did and still  XXXX  has not seen any pending drafts from my account ( I made the second attempt to pay 3 days ago ) since having the card maximum time frame is 2 days during the  week 3 on  weekends ... it 's weekday. Cap ital one h as chosen to close my account. Told me I had to honor my payment without having access to my  XXXX  cards. This has left me without food drinking city cloudy tap water until Tues  XXXX   XXXX  and only this soon because I receive my paycheck. The documents I have show there 's not stop payment on my open   XXXX   account there previous drafts and pending drafts showing there was no attempt on capita l one to collect a copy of my statement showing I have had the fund available to capital one since I 've made the original first payment. Capital one is violating  there terms and conditions we agreed upon when I originally signed up with them. Considering the error is on there end I feel my account show be open and shou ld of not been closed and any negative information from this should not affect my credit score. After providing proof capital one has changed there reason to why they closed my account however fact is they did n't process a payment and fraudulently marked my account with a returned check. I want this matter resolved immediately. Capital one continues to say they have to review the documents I sent .... no what capital one should have done w as collected my original payment then my account would still be open and they would n't of screwed up my credit wen I was planning on buying a house in the next few months.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX 2010 i rented an apartment for six months from XXXX at the time of signing the lease an occupant was added XXXX XXXX he was authorized to be in my apartment and even stay over as he would from time to time in XXXX 2010 i went to California to attend a funeral as i was away XXXX had invited his friends over ther was some sort of dispute the police were called and XXXX and his friends were locked out of the apartment some went to jail when i returned three days later i was told i had to leave and was evicted they gave me until XXXX XXXX to get my belongings i can have what i can carry i can not find any record of an eviction in any XXXX XXXX XXXX house not sure who they filled any notice with i do not think they can just lock me out as they did so if you can please assist me with this matter i would appreciate it very much i have disputed this with the apartments and the credit bureaus more than once what i would like is the balance adjusted because they re rented the apartment they are prohibited to XXXX dip thank you very much XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: Bread Financial Holdings, Inc.
State: KS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for a credit card for XXXX through Comenity Bank in XX/XX/2020. 2 weeks later they sent me a letter in snail mail to send them copies of my driver license, social security card, and a recent bill. I thought this was very sensitive information to request and so I called to verify and they stated it was correct. I went ahead and mailed this sensitive information priority mail and called every other day to verify they received it because of how highly sensitive this information was. After 3 weeks from the time I mailed these documents, their mailing department put a note on the account stating they finally processed my information. I was told at that time over the phone that my application would be approved. 7 days later I received another letter stating my identity could not be confirmed. I attempted to call and no one from that department would speak to me to give me more information as to what was going on. I sent highly sensitive information and received NO COMMUNICATION except letters thru snail mail which did not provide proper information. The letter only stated if I wanted to contact them back to write them another letter thru snail mail. I do so and yet again I have heard nothing. I called today and now they are stating my application is closed because it is over 30 days which doesn't make any sense since everything has been on THEIR time and NO COMMUNICATION except random snail mail letters. I requested the company if they are not going to follow procedures then I want the hard credit report inquiry to be removed and my sensitive documents to be mailed back to me as they should not keep those records. This company needs to be reviewed on how they are handling applications, documents, and communication with consumers. My application should have never been closed due to identity as if there was any issues them their department should have contacted me with any questions. My address on my license has my previous home that I sold in XXXX ( which shows on my credit report ) and the bill I sent in with the documents showed my current address ( which also shows on my credit report ). This department did not follow proper procedures in researching/comparing my information properly with the selling and purchasing of my homes. No communication or followup on this process is a failure on their business.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have provided the following attached letter to Equifax to remove this collection from my credit report. My first dispute was XXXX XXXX, 2016 and Equifax has not removed the collection. I would like this removed from my credit report. ACCOUNT # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
XXXX XXXX has an address listed under my personal information that does not belong to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-28
Company: Seterus, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I sent in XXXX for an appraisal over a month ago.It was for eliminating PMI. Seterus told me it would be completed 3 weeks ago. They cashed my check but never did the appraisal. I 've called twice but the girls who answer the phone have no answer. Senator XXXX office sent a fax a week ago today. -- still no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have NEVER given this company consent to my private personal information which is identity theft. This company does that have a contract signed by me for services with this company. Per FDCPA 1692c Sec 802, this company asking me to pay an alleged debt they are no party of is FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I order a moving service to move me for {$50.00} per hour. The moving company asked for {$90.00} to deposit and I used CASH APP and sent the deposit. The moving company never showed up. I contacted CASH APP immediately. Two days later they said they already gave the money to XXXX XXXX and would not help me or provide his banking information so I can file a claim with his bank for fraud. 

I received their legal terms from their website regarding fraud. https : //cash.app/legal/us/en-us/tos VIII. OTHER LEGAL TERMS 1. Recovery of Funds You give us permission to recover amounts you owe by debiting funds available in your Cash App account or any other account you may have with Square. This may involve us making attempts to recover less than the full amount you owe to us. We might contact you or take other legal actions to collect amounts due.

You authorize Square to recover funds from you in accordance with these Service Terms and any other agreement you have with us, including if you owe amounts to us or for reason of fraud or illegal activity. 
You authorize Square to debit, charge, setoff against and otherwise recover funds from your Account, your Cash App Balance, any Eligible Bank Account or Eligible Credit Account, any connected Square Account, any Balance ( as defined in the Payment Terms ) or any Reserve ( as defined in the Payment Terms ) if applicable, and any payment instrument, linked bank, depository and other account registered in your Account. Your authorization will remain in full force and effect until the later of closure or termination of your Account, or the disbursement of all funds held on your behalf. 
Further, in the event that any attempt to recover funds from you should fail, your authorizations hereunder include your grant to Square of new, original authorizations to recover all or less than all of the amount you owe us or belong to us. You authorize Square to take the above steps without prior notice to you and irrespective of ( i ) whether we have made demand under these Cash Terms, the Payment Terms, the General Terms or any other agreement you have with us ; and ( ii ) whether the obligation is contingent, matured or unmatured. Your authorization hereunder includes all authorizations to take the above steps in complete compliance with the Network Rules and the NACHA Rules ( as defined in the Payment Terms ). You agree that your grant of the authorizations hereunder has the same legal effect as if you had signed a paper containing the same terms. 
If Square is unable to recover the funds by these means, Square may attempt to contact you or may take other legal actions to collect the amounts due, to the extent allowed by applicable law.

Company response to consumer: Closed with explanation