BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent multiple request to all Experian and XXXX  regarding the removal of addresses that do not belong to me, I have asked them to refer to my Drivers license as well as my local XXXX bill in order to request that all addresses that do not belong to me be removed and permanently deleted from my report. They continue to answer that creditor ( unverified creditors at that ) are reporting this address and thus the will not remove it. How is it possible that an unverified creditor be reporting an address on my report, isn't that a direct violation of my civil rights under the FCRA? Why are credit bureaus allowed to electronically receive this information without proper verification and why are those unverified accounts still there? Who will hold bureaus accountable for their errors? Their loyalty seems to be geared more towards the creditor than towards the consumer and that isn't fair at all.

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 2022-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Someone opened an online account under my checking account added their name to mine on my account. XX/XX/2022 {$34000.00} The Bank called me and asked if I opened another bank account online, I said no. 
XX/XX/2022 Person transferred to another account transferring to their account {$34000.00} in their name only and took all my money. 
My account is showing - {$34000.00}. All done on XX/XX/2022 I went to Branch, and they put a credit only on account that it happened to and I had to open a new account I went to Police Dept and filled out a report I filled out the affadavit the Bank sent me with license, SS card and passport and was told I would have the money back in XXXX days. Every day I call I get a different response. 
The latest response was that there is a lot of claims and backlog. It will take longer. I am buying a house and this is ridiculous I need to verify funds for mortgage closing and this is holding me up.

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 2022-09-04
Company: DISCOVER BANK
State: MI
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: Card was charged for something you did not purchase with the card

Complaint:
INFORMATION FOR DISCOVER CARD On or before XX/XX/XXXX someone at XXXX ( XXXX XXXX ) set up an account with XXXX  using the name XXXX XXXX or XXXX XXXX XXXX ant transferred or charged the amount of XXXX! ( attachment XXXX XXXX ) On or after XX/XX/XXXX a fake bill was made ( Fake Bill ) On or before XXXX XXXX, XXXX the fake depth was transferred from XXXX bank XXXX XXXX ( Bill of sell, Crook 1, Crook 2 ). 

From about XXXX to XXXX someone was transferring money from my credit cards to fake accounts set p by these two crooks. I thought it was Discovery card but now with these court Documents I believe it was the two crooks 1 and 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
BBVA ( formerly BBVA Compass Bank ) has repeatedly put longer holds on cashier 's checks and outgoing wires from my checking accounts at the bank than what they told me the period would be. BBVA told me that I would have a 5 business day hold on a {$55000.00} third party check when I deposited it on a Friday and the following Friday they told me it would be another 4 days hold for no reason. BBVA has also refused to put a block on ACH payments over {$5000.00} from my business account as instructed over the phone today, XX/XX/2020. I also requested that BBVA order cash in the amount of {$50000.00} so I can have it from my checking account and I was told that they will not give me cash, only a cashier 's check or do an outgoing wire. I have the right to order my funds dispersed in any legal tender and physical Federal Reserve Notes, or cash, is legal tender. BBVA has continuously violated banking laws and abused my consumer rights to manage my own funds in any legal manner I choose. This is an ongoing practice. BBVA also allowed a convicted felon to withdraw {$20000.00} of my money that was stolen from a branch in XXXX, Alabama years ago while the man was still in jail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have had a number of hard and soft inquiries into my credit recently that I did not consent to. These requests were for things like loans and credit cards which I did not authorize. 
The mailboxes at my apartment building have been broken into a number of times in the last several months and I have had many personal items stolen such as my renewed drivers license, pre-qualified credit card notifications, among others. 
The only thing I have to identify the requestor is the email address that have been using to send these requests our which is XXXX Here are the three hard inquiries which have been dealt with through each respective organizations ' fraud department : XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX XXXX Bank XXXX XX/XX/2022 Here are all of the soft inquiries made as reported by XXXX : XXXX XX/XX/2022 XXXX via XXXX XX/XX/2022, XX/XX/2022 XXXX XXXX XXXX XXXX GOLDMAN SACHS 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 APPLE CARDGS BANK XXXX XXXX APPLE CARDGS 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 2022-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 recently sent a dispute to this agency and their investigation stated that these accounts are accurate. I have provided proof to show an accuracy reporting also under 15 USC 1681 604 A section 2 states no consumer reporting agency shall furnish a account without book assumer written instructions I did not give this consumer reporting agency written instructions I am requesting that you show my written instructions on file to furnish these accounts 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 2017-07-29
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX did not notify myself in writing concerning the debt and also turned the account over to a collection agency without written notification.

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 2020-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
The Consumer Financial Protection Bureau unfairly closed my previous complaint against Capital One. The Consumer Financial Protection Bureau did not let me write back. Capital One case was XXXX. CFPB case was XXXX. Capital One Representative XXXX responded that Capital One does not offer email because of security. However, I have been sending secure message on my own bank when I log into my own online bank->not with Capital One. This is what I am complaining about. Capital One does not have the feature to log into my online account then send them a secure message. 

The second thing I would like to say is that XXXX was lying. She said Capital One does have chat when I log into my online account with Capital One. No, I have been looking to chat with their employee when I log into my Capital One online but they do not have that option. 

The third thing is that XXXX responded back and tell me to call their customer service 24 hours, 7 days per week. I have been trying to call them but their wait time is over an hour and I had to hang up each time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-11
Company: Conn's, Inc.
State: TX
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 was double charged for payment on an acct with Conns furniture in XXXX 2015 on an account I had established autopay on back since XXXX 2015. I called them and advised they took 2 payments ttl XXXX one on XX/XX/XXXX and XX/XX/XXXX from my checking acct and caused overdrafts to my acct when my payment is XXXX. The initial call garnered an apology and a refund for one of the XXXX payments. Since then I have been called a ttl of 6 times since XXXX XXXX after I repeatedly told the collector calling me I do not have any past due payments and my account has been set up on auto pay since early this year. I have even made 5 calls myself to them to clarify the issue with no resolve. being promised on 3 occasions I would not be called again only to be called multiple times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have hard and soft inquiries that are not from me they are from my ex now hevea doing this when we were separated and I do not want them on my credit report! XXXX XXXX XXXX is correct but the others are unknown to me or over 2 years! Please remove!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: ONEMAIN FINANCE CORPORATION
State: TX
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: Problem with personal statement of dispute

Complaint:
This company, One Main Financial is reporting inaccurate information to the credit reporting agencies. I asked them to investigate and send me proof in accordance of the FCBA I asked them to show me proof of what they are reporting, a signed contract, statements and a detailed billing histories. I sent the first validation request on XX/XX/XXXX and they did not respond at all. I sent another validation demand on XX/XX/XXXX and got a letter from them stating that they believe the reporting is accurate and will not investigate it any longer without sending me any of the proof that is required by Federal Law including a contract, statement or detailed billing history. So, I sent them another demand on XX/XX/XXXX asking them for their response but letting them know I wanted proof in accordance with the FCBA of their  reporting of this account and again asked for a contract, statements or a detailed billing history. They did not respond within 45 days of that letter and continue to report inaccurate information on my credit report. The date open is different on all three bureaus, the date last reported is different on all three bureaus, the date of last activity is inaccurate and completely different on all three bureaus, The payment history is different on all three bureaus. On XX/XX/XXXX I sent them another letter demanding the account be deleted because they did not comply with the Federal Law ( FCBA ) by not sending the required documentation by law, the contract, statements or detailed billing histories and they STILL are reporting inaccurate and incomplete information that can not be verified. I would them to comply with the Federal Law which they have not several times otherwise delete this erroneous information from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: ALLY FINANCIAL INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2022 received an email stating my new Ally bank checking account. On XXXX XXXX received another email stating my email had been changed. I then called Ally fraud services and they corrected 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 non-monetary relief
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XX/XX/2020 There was a false collection for {$670.00} under my name that should have been resolved already. 15 USC 1681 section 602 A : States I have to right to privacy 15 USC 1681 section 604 A : States a consumer agency can not furnish an account without my written instructions. 15 USC 1692C STATES : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : Under 15 U.S.C 1681C-2- Block of information resulting in identity theft. THE LAW CLEARLY STATES : Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Nowhere in the LAW does it state that I HAVE to provide you with any POLICE report. This is clearly a stall tactic and going against my human rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: ORG GC GP Buyer, LLC
State: WY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I was in a repayment agreement with GC Services for XXXX. After my tax refund was offset I learned not all of my loans were included as I was led to believe. I have since consolidated through XXXX XXXX. GC Services/XXXX was notified on XXXX/XXXX/16. Also in XXXX, XXXX, on XXXX/XXXX/16 and XXXX/XXXX/16 GC Services/XXXX was specifically told not to call me at my place of employment. They are able to call my cell phone, which they do, although they do not leave a message, they only try to call and then call my employer immediately thereafter. My consolidation loan is complete, and they are no longer able to collect for that debt. They have been told 4 times I am not allowed to be called at work, and they continue to do so, despite the fact that it jeopardizes my employment - and therefore my ability to pay back any of my student loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-25
Company: Credit Management Control, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I filed a complaint with the XXXX about XXXX, formerly XXXX XXXX. This is a gas procurement service that is billed through my utility XXXX XXXX XXXX. It is impossible that there is any debt, and I feel that they sent me to collections as retribution for filing a XXXX complaint against them. My account with XXXX XXXX XXXX is current and paid. However, I received a collections notice that looks legitimate. I also received a phone call from a different collections company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-05-24
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: Information belongs to someone else

Complaint:
XXXX  is reporting account number  XXXX  on my credit report. This account should not be on credit report. It is not mine and I already filed a CFPB complaint to get it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: Resurgent Capital Services L.P.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have requested them to validate this note. This bad inquiry has been on my bureau for more than 4 years. After many request still no answer. please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Court foreclosure case XXXX Bank forged a new FHA mortgage after we paid off our FHA mortgage. 
Attaching other complaint numbers. 
This is pleading into case to vacate summary judgment and go to trial. Or appeal case question of law. 
Can a bank used forged FHA mortgage documents to foreclose and take house? 
Law says no forged documents are not authority. Bank of America Countrywide mortgage already been caught see XXXX XXXX of forged mortgage note and assignment. Attaching the pleading to send to lender. Their lawyers quit when they read the consequences they face.

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 2022-09-04
Company: TD BANK US HOLDING COMPANY
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/XXXX, XXXX shows that someone opened an XXXX card w/o my knowledge it has a balance of {$29000.00}. Again NOT ME! The info XXXX had was card number needed in XXXX, the date opened and the balance. They also had a member # XXXX. I tried several times w/ XXXX but they could not find any information on this issues. There is 2nd card applied and used w/o my knowledge. Date opened XXXX, XXXX, XXXX. Balance of {$510.00}. Card ending in XXXX. Again XXXX had no record but XXXX did? I was told to go this route. Both have opened investigations opened. Lastly there are 3 other credit requests performed w/o my knowledge, that XXXX shows on their side. They are as follows : XXXX. XXXX XXXX XXXX  on XX/XX/XXXX. XXXX. XXXX XXXX XXXX Bank ) on XX/XX/XXXX. XXXX. TD Bank ( Target ) XX/XX/XXXX. Someone obviously has my info. I have set up security lock w/ XXXX but now need to clean all this mess up. Thx

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-08
Company: EQUIFAX, INC.
State: FL
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, FL XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX, XXXX XXXX XXXX XXXX from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX/XXXXInquiry from XX/XX/XXXX + XXXX XXXX XXXX. 
XXXX-XXXX Inquiry from XX/XX/XXXX + Telephone Companies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation