BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-18
Company: Freedom Mortgage Company
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act this creditor has violated my rights. Under 15USC 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604a section 2, it also states that the consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2016-08-01
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I C systems Inc is reporting theses alleged accounts with XXXX XXXX XXXX XXXX XXXX on my credit report and I do n't owe them any money. I returned the equipment to XXXX and received a receipt with a zero balance. I didnt have service with XXXX XXXX XXXX. I C Systems started reporting these alleged accounts on my credit reports with the the CRA 's ( XXXX, XXXX XXXX and XXXX ) without notifying me and continue to verify them after I have disputed them and requested verification of debt from I C Systems. They are in violation of FCRA 1681s-2 ( b ).

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 2022-10-18
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CFPB + Resurgent Capital Services LP, I received in the mail a letter from Resurgent Capital Services LP that says I owe a debt. I am requesting validation of this debt - enclosed with this complaint are : - my drivers license to show identity + mailing address - My social security card - Letter I received from Resurgent Capital Services LP - My debt dispute letter I am requesting this creditor to stop contacting me over a debt that I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-07
Company: EQUIFAX, INC.
State: VA
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 filed a dispute with Equifax on XX/XX/XXXX by phone as the website was down temporarily. Equifax is reporting an account that is not legitimate and is the only agency reporting that account. Confirmation of the dispute filing was received. The results of the investigation states that the item had been deleted from the credit report on XX/XX/XXXX. However, the dispute remained open and the item still showed on my credit report. I contacted Equifax again on XX/XX/XXXX by phone and was told to dispute the item again. I declined as the dispute and resolution had been obtained, but the action noted had not been taken. On XX/XX/XXXX, the dispute showed a " completed '' status on their website with the same resolution of the item was removed. Again, the item still showed on my credit report and again, I contacted Equifax by phone and was told it would take " a few days to be removed ''. On XX/XX/XXXX, the item still showed on my credit report and upon contacting Equifax by phone ( as the website shows temporarily down still when attempting to submit online ), I was told it will be another 30 days before the item is removed. This is not FCRA compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: AZ
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 an 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 2022-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Bank of America- on XXXX two charges for XXXX XXXX were declined in my checking account. I received notification that there was suspicious activity and confirmed the charges were not made/authorized by me. I was told there would be a stop payment on those charges and no additional charges would be allowed from that vendor. The next day 6 charges from XXXX XXXX hit my account totaling {$7800.00}. I received a suspicious activity alert and immediately called to dispute the charges and submit a claim. My account was then hit with {$230.00} in international transaction fees. 
Bank of America knows that these charges are fraudulent. I'm a residential mortgage lender in XXXX, AZ and my charges are to local companies or XXXX. In no way could these charges be mine or as a result of negligence. 
I have contacted BofA countless times since XXXX for status updates. During this time they made no attempt to contact me for additional information. I was told that they have until XX/XX/18 to either make a decision or provide a temporary credit while the investigation continued. 
I called today XX/XX/18 and was told my claim was denied and that I was liable. The know that this was fraud. I mean XXXX XXXX???? I am bygone frustrated and ready to seek legal advice and escalate this.

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 2021-01-07
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened my account in XX/XX/XXXX and asked about the {$150.00} promotion both over the phone and in person at the branch. I was told that I needed to deposit {$1000.00} within 60 days of opening the account to qualify and stay open for 90 days. I deposited {$1000.00} on XX/XX/XXXX and I followed up and was told I qualified and I needed to wait 90 days plus 2 weeks to see it in my account. I made SURE to ask if it was ok to use XXXX otherwise I would simply come in the branch to do so with cash and was told XXXX was ok. Today XXXX XXXX XXXX I am now being told I didn't qualify because I used XXXX !

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-31
Company: ALLY FINANCIAL INC.
State: MA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
Please refer to my original complaint # XXXX filed in XXXX see your response to me on XXXX/XXXX/2015. Ally 's attorney reached an agreement that I would pay {$3100.00} and the payment would reflect settlement in full. The credit report as of Wednesday, XXXX XXXX, 2015 shows paid in settlement but {$34000.00} written off this is not correct, again they have the car which is the collateral balance so nothing should be show as written off once the settlement amount was sent to them through the courts the balance should reflect as paid and settled.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I've been a Capital One card holder for over 2 years. I have 2 credit cards. I've only received low credit line increases. I've paid over {$25000.00} in payments just in the last 5 months. I feel that the different ways to request an increase are all computer generated. 


There a 3 ways to request a CLI : by phone, on the website & in-app. Each application is different from the other which makes it unclear to know what Capital One is looking for. 

I certified letters to Capital One in hopes that a human could manually review my accounts for reconsideration. Each letter stated sufficient reasons why I believe I should be a good fit & how I would use the funds to further my career expenses over the next couple months. My letters were listed as " General Prefilled Letter ''. Subsequently, a general prefilled letter was placed XXXX the " Statements & Documents '' section of my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Checking my Credit report information during the last weekend of the year, I 'm found that appears, XXXX XXXX diferents address in my personal information. that information is Wrong and XXXX. 
My only reliable and thrust permanent address since more than XXXX years, its the Next : XXXX, XXXX XXXX NY XXXX. 
The other XXXX address that appear in my Credit bureau, could be a fraud or intent of stolen identity. 
Please feel free to contact 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 2016-06-15
Company: Arcadia Holdings, LLC
State: MA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
A few years ago someone was using my social security number for their own advantage. I contacted the IRS and made them aware of the situation. I lived in XXXX, MA for the past 15 years and I also work there. I file my taxes every year and I use a pin number assigned to me by the IRS. I checked my credit report and someone went to a hospital in XXXX and got a bill for {$1700.00}. That person is using mu identity. I have XXXX XXXX XXXX XXXX of Massachusetts. That collection is ruining my credit, after I worked so hard to clear my name and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I called Transunion XX/XX/2017 at XXXX and spoke with XXXX XXXX # XXXX concerning a dispute I sent to Transunion concerning a dispute in regards to a Tax Lien on my report. I requested that Transunion verify the debt and provide me with the information regarding that debt as I am unaware of where it came from or why. XXXX advised me that Transunion does not verify debt and that it will remain on my credit report for the next 7 years. She advised me that there was no investigation completed to determine if the debt was indeed a valid debt and they would not be investigating the tax lien debt that is in question is indeed valid.

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 2022-10-18
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
There are Inquiries on my credit report that are not on my behalf. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: CAVALRY INVESTMENTS, LLC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted this company Cavalry Portfolio Services LLC several times the last time being XX/XX/2022. I requested Validation of the debt they are trying to collect and they continue to send me an envelope full of billing statements. I requested an original contract bearing my signature. If you could please have this company supply a contract or something with my original signature so that I know for sure this is my debt. If they cant provide this information could you please have the remove all of this negative reporting from my reports. I have sent them proof that all three credit bureaus are reporting different information on this account so this further confuses me on this being my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: Paypal Holdings, Inc
State: AZ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I paid {$2000.00} to pay pal credit located in Maryland. My account number XXXX. This payment was made on XXXX XXXX 2016 and when I made the payment on line that amount was to be the current balance. Today I got an email from them saying I owe an additional {$31.00} with no explanation of what that amount is for. I they indicate that if is interest, I feel that amount of interest for 3 days in criminal and that company should be federally investigated. I am a senior and on a fixed income and it took me months of saving to pay that amount, and now they want MORE???

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: ALLY FINANCIAL INC.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Ally Bank unilaterally closed my checking acct on XXXX XXXX without any notice. They falsely claimed that they sent notification via mail to my home address and to my attorney. Neither of us received any such notification. They claimed that they sent an email notice. I did received a message on my email that I needed to log into my account ( XXXX ) for correspondence. When I did, there was no notice -- just a blank page. I should note that my attorney, did call and email XXXX attorneys at Ally, including a XXXX XXXX their General counsel and a XXXX XXXX. He and XXXX XXXX refused to respond. Neither could they demonstrate that they actually sent any letters. 
Ally Bank has demonstrated a persistent inability to provide basis customer service. Reps re incompetent and frequently refuse to connect this customer ( and others ) to supervisors who sometimes can resolve problems and frequently they can not. They then refuse to connect the customer to Managers. I did write a complaint to the President of the company and received a pro forma letter several weeks later which did not address the problem. In XXXX, my acct was overdraw by just {$6.00} for several days until my social security benefit was paid to my acct. I did not dispute the {$9.00} overdraft charge. Earlier, I noted to one supervisor, XXXX, that I would start to look for a new bank, but she insisted " we want to keep you as a customer, and we will do our best to improve. ". 

On XXXX XXXX, I found that the account had been closed. Only at my urging did they refund the balance to me of {$160.00} WHICH SHOWED THAT THE ACCOUNT WAS FULLY FUNDED. 

I have now found that Ally Bank, at the urging of one person, in particular, XXXX XXXX, an Executive Resolution Specialist, closed the account, When I spoke with him over the phone on or about XXXX XXXX, he was demeaning and attacking and made clear that he was retaliating for my complaints. Ally filed complaints with XXXX, XXXX, XXXX and XXXX as retaliation. I should note that I never borrowed any monies from the bank. 
I would like the CFPB to force Ally to remove the negative reports, immediately and take whatever action against Ally that it can. 
XXXX XXXX Acct Number XXXX. 
XXXX XXXX XXXX # XXXX XXXX, MD XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I moved out of this complex in XXXX of 2022. Once I moved out, I wasn't sent any final invoice, nothing showing my deposit being applied, or remaining balance. Several months later I pull my credit report and its reporting as a collection account. I've contacted the property and due to property management being change, they have no records available and also informed me they've received several of the same type of complaints from other tenants who have moved out. No one has contacted me regarding this account as well as why this hasn't been addressed. It's stating some company that goes by Pro Collect owns the account, I've never received anything from anyone regarding this account. I've tried communicating with the credit agencies for several months and they have not sent me anything either informing me of the invoice and how the entire account was verified.

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 2021-01-07
Company: ERC
State: OH
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:
Ive already disputed this account with XXXX XXXX XXXX XXXX and again it shows on my report. I sincerely request and want this eradicated from my report as I have no knowledge of this account and Im a hardworking diligent student. My car got stolen with all my documents inside and I have been a victim of identity theft. Kindly remove this from my report immediately as it hurts my future graduate school admissions and other things while renting out an apartment. kindly remove this ERC collection account away immediately as it has been previously sorted but I dont know why it shows again on XXXX  and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: Paypal Holdings, Inc
State: VA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
As an ebay XXXX, I have been dealing with receiving payment from PayPal for about 20 years. The money was always available the same day the customer placed the order and paid wih their PayPal account. Suddenly recently they are ho, lding my payment for from 7 business days to 2 weeks. This does not seem to reflect appropriate fiduciary responsibility to me. Can they hang on to my money for 2 weeks legally?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I get lots of fee charge to my account always and keep happening

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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 submitting multiple letters with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-18
Company: Experian Information Solutions Inc.
State: IL
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:
I went to a dealership I was told that they were only going to run my credit through one bank I seen my credit report and my credit was ran through all sorts of places I did not authorize. Please delete from my credit reports. 

XXXX Unauthorized Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief