BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2022, I tried twice to activate XXXX XXXX and failed and a number came up for me to call help. A Tech answered and he tried and it failed and then he asked if I had logged into my XXXX account from a different location because he said that it was showing that I had just logged in in XXXX XXXX  and XXXX. I told him " no '' and he said not to worry that he could fix the problem, but that I needed to first download a XXXX XXXX XXXX and then he needed to show me that my Ip address was public and we needed to make it private. He begin navigating through my phone to my XXXX account and to my Bank accounts then he told me to go to the nearest XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX to purchase specific Gift Cards and specific amounts and it must be done quickly to show that I was indeed not in the other places that he mentioned. I questioned him, " why '' and He said that XXXX was putting the money back into my account not to worry. He needed me to stay on the phone and not hang up. After purchasing the Cards, he told me to open them up, scratch off coating, take pictures of the cards. When I got back home he activated XXXX XXXX and told me that he would call me back in about 10 mins. I waited and no call came. I called the number on my Caller ID and the number was disconnected. I called my bank and reported the Fraud and All the Funds went back into my account. I called The Crime Victims Center and they put my call through to the Senior Citizen division who advised me to file a police report and an Identity theft report with the FTC and to notify The Attorney General. I also contacted the 3 Credit Bureaus and froze my credit accts. A few days later the charges were back on my credit card account, so I called and they said that there was No Fraud. I reported to XXXX as well and called the phone numbers on the backs of the Gift Cards to do a report. I sent two letters to my Credit card Company 's Disputes Department. They say that they have a Zero-Policy for Scams! The Gift Card amounts totaled {$1900.00}. I didn't know I was being scammed!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-01
Company: FISERV INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I am the owner of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Last year in XXXX, I signed up with XXXX online market place by paying {$750.00} in fees. They asked me to fill in a form with a third party company, named clover connect owned by Fiserv, which is managing the online transactions for this market place. Per their online form, I provided details for my bank account for ACH payments to my account for any sales I make on this market place. I was away in XXXX for family matters and did not notice that XXXX XXXX after taking my bank account detail started making ACH debits from XX/XX/XXXX. Further more, from XX/XX/XXXX, the company started deducting {$29.00} additionally for a total for {$49.00} every month. When I found out about this in XX/XX/XXXX when I paid attention to my account upon my return from XXXX and contacted XXXX XXXX, they mentioned that additional {$29.00} was deducted because I did not complete their online form for PCI compliance. When I enquired about this, they said that I must fill this form even if I don't have any cards with them and I have no direct account them. They said they will stop deducting payments only if I fill the form which essentially required me to go to their online website and state that I don't use their card payment platform. All the while, they did not send a single notice of payment or penalty.. They committed fraud by making unauthorized ACH debits into my account with no invoice or bills. This may be the only company in the world which accesses individual 's bank accounts and charges monthly fees even if my company is not a direct customer, and furthermore, charge penalty for not filling their online form for what they state as one of the steps in their onboarding process, when infact my company is not even a direct customer of theirs and they have no right to charge my company for not filling an online form. Please note that they needed me to only state in the online form that t am not their direct customer and that the transactions are done on online market place which is PCI compliant, and therefore the PCI compliance steps are not even applicable to my company. The company too {$210.00} from my bank account unauthorized. Request you to kindly take action on this company for the fraudulent and unauthorized withdrawal of money from my account.

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 2023-03-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Between XXXX my information was wrongfully stolen, obtained, and used to fraudulently open, checking and savings accounts, multiple banking institutions, which I will provide as follows ; Citizens bank ( Charter one bank ) XXXX {$1100.00} XXXX {$650.00} XXXX {$390.00} These banks are not allowing me to open up a bank account with them because I am in XXXX and these banks are reporting wrong information about me and fraudulent accounts were opened in my name and with my identity.thanks to this person that stole my identity and I have made a police report and an identity theft report and I need these records removed or I will take legal action they have to be removed off of their systems and I need to be allowed to be able to open up a bank account so I can proceed as a regular citizen

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: LDF Holdings, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I applied for a small loan the smallest amount they offered was {$500.00}. 
The woman called me and I heard her say something about {$2300.00}. I told her I did NOT want to proceed. I was not sure what she said about the {$2300.00} and I said I would have to think about it. When I called back the woman assured me that I would NOT be paying back {$2300.00}. So I proceeded with the loan. 
As of XX/XX/XXXX payoff amount was {$870.00}. By that time I had already paid {$980.00}. My loan should have already been paid off. 
Now they're telling me the current balance on my account is {$1300.00} and the payoff is {$950.00}. I live on limited income and can NOT afford this. When I applied online I could NOT find ANY information about interest or that I would be repaying {$2300.00}. Please help me, I don't know anything else to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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 Was A Victim Of Somebody Tried To Get A Car In My Name And They Opened Up Credit Cards And Phone Accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Hello, my account was closed around XXXX XXXX I was XXXX XXXX XXXX at the time. I noticed I couldnt login my account , it had said my password was changed when I clearly never shared my password to anyone. I immediately called Bank of America & they told me I can go ahead and close my account and reopen another one I said yes thinking I was going to just open a new account. But when I tried to re open it didnt let me, it said I had been reported to XXXX when it wasnt my fault at all. I please ask for help to reopen my account I cannot even start my credit I am XXXX  years old this is not far 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 non-monetary relief
Consumer complaint received 2023-04-05
Company: TRUIST FINANCIAL CORPORATION
State: DC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I am uploading a four page later that details the challenges I have incurred with my construction and mortgage loans from Truist Bank. I have a binder of roughly 580 pages with emails and correspondence with the bank that affirms everything claimed in my attached letter. 

For highlights : - Double paying my property tax despite telling me to pay it directly and that they were not paying it. ( The bank then paid the property taxes. ) - Informing me of my new mortgage payment of roughly {$1500.00} a month, when the actual new mortgage payment was {$4100.00} a month. 
- Committing to reimburse me for roughly {$75000.00} - {$80000.00} in costs I fronted for this project, and then telling me they can not reimburse me for those funds. 
- Asking me for a roughly {$8600.00} payment as we transition the loan from construction ( interest only ) to mortgage, but not answering my questions about what was included in the {$8600.00} and how it might related to payments I had already made. The bank then refunded me twice for parts of that payment -- I think -- but there was no correspondence with the refunds to explain the entire process.

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 2023-04-05
Company: SG and Associates
State: NJ
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 attempted several times to validate this debt, and that this company contacted me owns the Debt and they have failed to provide me proof of validation. They are not providing enough information and also using abusive language to scare me into paying them without them providing proper documents that they on the Debt in full. 
Pursuant to 15 USC 1692g as requested by the consumer the company must provide validation of debt

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 2023-04-06
Company: SG and Associates
State: SC
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 would like for these accounts to please be removed because these are not my accounts.. 
Remove all fraudulent accounts immediately. 
Stanford Group And Assoc for XXXX XXXX XXXX for {$6100.00} XXXX for {$530.00} and {$390.00} XXXX XXXX for {$110.00} Please remove accounts these accounts are not mine.

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 2023-04-06
Company: BANKMOBILE TECHNOLOGIES, INC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
This started XX/XX/2023. I spoke with the customer service representative and manager regarding my missing funds that I did not received from my college and they told me 3-5 business days of XX/XX/2023. I would receive my funds but I have not received anything and they are stealing from me in the amount of {$4400.00}. This is happening to me and its now

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 2023-04-06
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I leased in XXXX of XXXX this car and expressly asked if Ally Auto would allow a lease transfer. Yesterday, I attempted to initiate a lease transfer and they told me that they no longer allow it as of XXXX of XXXX, as they changed their policy. This has created a hardship for me, as I only entered this lease because I could transfer the vehicle to another party because I expected a car that I had ordered to become available during the lease term.

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 2023-04-09
Company: CREDIT BUREAU OF NAPA COUNTY, 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:
I discovered that they put medical bills through a collection agency. I want it removed from my credit report immediately. I want some one to call me to resolve this matter. 
I have more been without medical coverage in 20 yrs. I never received any letters regarding these amounts. If these invoices are legitimate the Insurance company will cover them accordingly. I believe the invoices were filled out incomplete or incorrectly by medical billing department. Again this is having a serious inmost impact on my credit score and need removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: ALLY FINANCIAL INC.
State: PA
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:
In accordance with " The Fair Credit Reporting Act XXXXt '', Ally Financial on XX/XX/2021, has violated my rights by way hard inquiry on my credit report. 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 explanation
Consumer complaint received 2023-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have two unauthorized charges from a car rental company that were charged to my card several days following an extended rental period. I disputed the two charges ( XXXX was around {$390.00} the other was {$7.00} ) because upon discovering these charges i also found my account with the rental company had been closed without my knowledge, i never received a bill for these charges, and my attempts to contact the company were never returned. I filed the dispute with Bank of America and was not immediately offered a provisional credit. So I waited the obligatory XXXX days and was told I would have an answer the next day. Next day comes and still no answer, only that they had disputed the charge with the companys bank. When I asked if I would be receiving credit I was told the back office had decided it was not an eligible transaction for Regulation XXXX and when I asked why I was given no reasons nor was I allowed to talk with anyone in the back office. Im fairly certain I am entitled to this credit as it was an unauthorized XXXX as defined in the regulation as an electronic fund transfer from a consumer 's account initiated by a person other than the consumer without actual authority to initiate the transfer and from which the consumer receives no benefit. {$400.00} is a lot of money to someone like me who doesnt make much and I think the bank is just being greedy or they just dont give a 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 2023-06-23
Company: Experian Information Solutions Inc.
State: MI
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:
am writing to bring to your attention a serious matter concerning the reporting of inaccurate information on my consumer credit report by XXXX. It is of utmost importance that financial institutions report 100 % accurate and true information on consumer credit reports. However, it has come to my attention that the account in question is inaccurately reported as " paid and closed. '' I am formally requesting the immediate removal of this inaccurate account from my consumer report, as its presence is damaging my reputation and causing harm to my financial well-being. 
The reporting of this account as " paid and closed '' is not only misleading but also damaging to my creditworthiness and overall financial standing. This inaccurate reporting is tarnishing my reputation and causing me significant difficulties in obtaining credit on fair and accurate terms. It is imperative that XXXX takes responsibility for the accuracy of its reporting and rectifies this situation promptly by removing the account from my consumer report. 
In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), I demand the immediate removal of this inaccurate account from my consumer report. The presence of this erroneous information is causing harm to my reputation and financial well-being, and it is your responsibility to rectify this situation without any delay.

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 2023-04-14
Company: United Shore Financial Services, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My account is up to date and is showing a 30-60 day late on my credit report. I need this removed ASAP. I will be wanting to refinance my home in the future and I need my credit report to be in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: CA
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: Problem with product or service terms changing

Complaint:
XXXX XXXX XXXX Have reported to Experian that I owe them XXXX. I have never took out a rental with XXXX but they been calling me. 

I would like to speak with XXXX. I need signatures on documents. That were done by me. Not a PDF online but actually signed documents. 

Ive been a victim of identity theft and I want to make sure I am covering grounds. Before I have to pay anything to anybody.

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 2023-06-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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