BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-15
Company: CAPITAL ONE FINANCIAL 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: Their investigation did not fix an error on your report

Complaint:
I have n't asked for this company to provide me a debt verification and validation and they have failed to provide me that information the other credit bureaus have removed this off my credit report due to this company sending me several letters indicating that they were going to take this inquiry off of my credit report and that they were no longer going to report anything negative on my credit report they have sent me several letters stating that they were going to take it off of my report and they continuously put it on my credit report I am requesting y'all to ask them to provide you the letters that they have sent to me. I have provided them all of the information that they have requested and I have disputed this several times and XXXX will not take this off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: CITIBANK, N.A.
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:
Someone applied for a credit card with Shell/CBNA in my name. I have tried to contact the company and no department will help me. I did not apply for any card with them.

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 2020-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2017-01-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They keep calling me at a phone number that is not mine. And I do not know how They came to that phone number of its not registered under my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
Company: RAB, INC.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Enclosed is a fraudulent request for money under threats with information on where to send money. This place has called me numerous times and threatened my wife and XXXX  child. They have said that they have connections with XXXX an that if I do not wire them {$3000.00} they will have my XXXX  child given to XXXX  thru XXXX, threatened to ruin my businesses reputation, and many more threats beyond what they put in writing were by phone. I don't owe any debts and this is a collections scam. If this company is legal it needs to be shut the XXXX down for trying to collect on non-existent accounts thru collections fraud and thru threatening XXXX, my wife with XXXX and XXXX and me as XXXX XXXX XXXX XXXX  with XXXX. I want this filthy degenerate company to stop their scams and stay the XXXX away from me and family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
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: Information belongs to someone else

Complaint:
Not my items

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 2019-08-15
Company: Siggi LLC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have {$0.00} balanced with these companies but they're reporting on my all 3 of my credit scores amd they are hurting my credit score I would like for everything to be current since there's no balance accrued these companies are Omni Financial, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX Dates without consent on XX/XX/XXXX and XX/XX/XXXX. Phone call made XX/XX/XXXX was supposed to remove inquiry due to fraud within XXXX days this is still not removed. 

Discover XXXX XXXX Dates without consent on XX/XX/XXXX. Phone call made XX/XX/XXXX was supposed to remove inquiry due to fraud within XXXX days this is still not removed. 


XXXX XXXX XXXX Dates without consent on XX/XX/XXXX and XX/XX/XXXX. Phone call made XX/XX/XXXX investigated and ruled unfounded. 

I have credit alerts and froze my accounts due to fraudulent activity. I also received a letter from the XXXX XXXX XXXX and XXXX that my information was compromised as a result of the XXXX Claim system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Back in XX/XX/XXXX, BofA targeted me through my online account used to manage my credit card with " an exclusive {$300.00} checking offer '' for opening a checking account. The terms were to make {$4000.00} in " Qualifying Direct Deposits '' within 90 days of account opening, and the bonus would be paid within 60 days. I opened an Advantage Plus Checking account online through the link provided by them on  XX/XX/XXXX, and fulfilled those terms with payroll direct deposits by XX/XX/XXXX, as follows : XXXX {$240.00}, XX/XX/XXXX {$630.00}, XX/XX/XXXX {$600.00}, XXXX {$980.00}, XXXX {$1000.00}, XX/XX/XXXX {$540.00}. After 60 days went by and no bonus was paid, I called them. Spoke to someone in the " Deposits '' department, who looked over my statements with me, noted the payroll deposits in question, and escalated the case for me. I was told I should hear back within 2 weeks, and if not to call them back. I heard nothing, so I called them back, and was told that my deposits didn't qualify for the bonus. I contested it and escalated the case again, and was told again that I should hear back within 2 weeks. Again I heard nothing, so again I called them back, and was again told that I did not qualify for the bonus. This time, I asked to speak to a supervisor, who argued with me that my direct deposits, which were payroll from my employer, WERE NOT PAYROLL but were ACH TRANSFERS! After going around in circles with her, I hung up. As of today, XX/XX/XXXX, I was finally able to zero out and close my account with them. I feel they lured me in with the promise of a bonus that they never planned on paying out, and are a dishonest company. I've been a customer of BofA since XXXX, and it seems any time there is a problem they fail to protect the customer or take their side. Next step is closing my credit card 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 2017-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 once again unsuccessfully been able to have my payments show posted on all three credit bureaus with XXXX/XXXX after over 300 hours on the phone, with phone records I have kept and now two complaints to have payments posted as reflect with bank statement showing date on all checks cashed by XXXX/XXXX as of XX/XX/XXXX for my VA loan. I have also asked for my FICA score to be reversed due to XXXX/XXXX not submitting payments made since XX/XX/XXXX after cashing checks with my VA loan. Which has also negatively affected my credit score. I am now asking for this important matter to be reopened due to printing out all three credit bureau reports as of yesterday showing payments still not being shown as made and credit score reversed. 
Sincerely, 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 explanation
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and an XXXX report just like the bureau requested before and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on the file between me and this company.

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 2022-03-21
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX Dates without consent on XX/XX/XXXX and XX/XX/XXXX. Phone call made XX/XX/XXXX was supposed to remove inquiry due to fraud within XXXX days this is still not removed. 

XXXX XXXX XXXX Dates without consent on XX/XX/XXXX. Phone call made XX/XX/XXXX was supposed to remove inquiry due to fraud within XXXX days this is still not removed. 


Citi XXXX XXXX Dates without consent on XX/XX/XXXX and XX/XX/XXXX. Phone call made XX/XX/XXXX investigated and ruled unfounded. 

I have credit alerts and froze my accounts due to fraudulent activity. I also received a letter from the XXXX XXXX XXXX and XXXX that my information was compromised as a result of the 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 2016-11-08
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had submitted a complaint ( Case number : XXXX XXXX about the Debt Recovery Solutions debt I did not owe. They responded and sent a letter through CFPB that they will delete it and send it back to the original collector XXXX XXXX XXXX. My reports updated on XX/XX/XXXX, and I found out that they deleted the file from XXXX and readded it to my XXXX report under the same name Debt Recovery Solutions and XXXX XXXX XXXX. They are the same company and they 're just jumping from report to report with 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 explanation
Consumer complaint received 2022-03-21
Company: LD Holdings Group, LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been told I am behind on my mortgage, when this a stem from mortgage company over payment of taxes. I had city officials readjust taxes. I email copy as advised. This start in XXXX XXXX. Have spoke with supervisor for the company advising issue was corrected mid XX/XX/XXXX. Only to now be told XX/XX/XXXX I was XXXX payments behind after making XXXX and XXXX payment on XX/XX/XXXX. I get a rep that tells me on XX/XX/XXXX I am correct I do not have any behind payment owed. Loan Depot is the worst company to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: NJ
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:
Equifax, XXXX, and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 

As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. 
15 USC 1681 s-2 Says Equifax, XXXX, and XXXX is a furnisher of information to a consumer reporting agency. 
Equifax, XXXX, and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand Equifax, XXXX, and XXXX to Cease and Desist the reporting of incorrect/ inaccurate information immediately. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
XXXX : a law or regulation forbidding something 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
Consumer complaint received 2022-07-15
Company: EQUIFAX, INC.
State: FL
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, R XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: Harley Davidson Financial Services Inc
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Numerous phone calls at work even after I have stated that I am not allowed to receive personal calls as well as threats in regards to showing up at my job and contacting my manager directly. I have provided the hours that I am available after work and they are closed during those hours so they told me that they will continue to call me at work and leave harassing phone messages on my work voice mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
According to Bank of America ( BOA ) the card, for XXXX XXXX XXXX  benefits, was issued in XXXX of XXXX in which I never received the card and went back and forth with the state for some time prior to being approved. Honestly, I let it slip my mind as the world was experiencing Covid and I also went back to XXXX in XX/XX/XXXX. In XXXX of XXXX I received notification by mail that the account will be closing with BOA in which I realized I never received my card. Upon calling BOA they informed me of when the card was issued and the fact that it had been used down to the XXXX. According to the transaction report the funds were loaded on XX/XX/XXXX and it immediately started being used on the XXXX ( sounds like an inside job ). Since I was not in receipt of the original card I did file a police report in XXXX, NJ and I did provide them with a list of transactions provided by BOA. BOA has said numerous times they made the right decision when I have not received any of my funds. Also I don't think they did a proper investigation. I called the state as well and they said it isn't their problem. The saddest part of this case is that most of the fraud occurred directly at BOA in a XXXX branch. Also they allowed the card to be activated without any precaution. I was truly in need of the funds and never received them. At minimum I would like the funds to be placed on the new card they provided me. The BOA case # will be provided later and the total amount is XXXX dollars. BOA has done absolutely nothing to address this issue except to deny return of funds repeatedly. I can attest that I was never in receipt of the original card and did not use any of the funds or have any knowledge of how my card was obtained as it was not stolen or lost from my possession.

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 2019-08-15
Company: MoneyLion Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX I wrote a support email to MoneyLion telling them that my XXXX XXXX   account has disconnected all third-party apps and I was closing my XXXX account because it caused a lot of problems for me financially. I received an email back from XXXX on XX/XX/XXXX stating to uninstall the app and re-install, which did not work. On XX/XX/XXXX I wrote another support email stating that I needed to update my form of payment for my MoneyLion PLUS loan payments and membership to my MoneyLion checking account. I explained that XXXX still allowed them to draft the payment even though it is disconnected.On XX/XX/XXXX XXXX replied to me that she has switched my payment form to my MoneyLion account and that the previous payment has already posted and can not be refunded, so I just had to basically eat the overdraft fee from XXXX XXXX. She stated that it would take effect XX/XX/XXXX. It didn't, and I contacted support again on XX/XX/XXXX and said " I updated my account with a new debit card to take payments from but it still shows my XXXX and I got an overdraft for you attempting to take it out of XXXX when I explicitly said not to and you agreed it was removed. Please remove that account. '' I did not get a response. I wrote another support email XX/XX/XXXX stating " You are unauthorized to take any.more funds from my XXXX bank account. I changed to XXXX XXXX, updated that in my account and it is removed and XXXX is still there. I need this XXXX removed immediately. '' I still received no response. I tried to call, and it was an endless hold. I tried going online for support and it was an Artificial Intelligence Robot that did not answer questions. In the meantime, payments were still coming from my XXXX account that I was trying to close but was unable to because of the MoneyLion automatic payments activated. I contacted XXXX and they had the money refunded back to me, which went into my MoneyLion checking account. Since then, I have changed to a XXXX checking account which is easier for my direct deposit from work and tried several times to update that information in the app and it did not work. I went online and tried to update it in the account and it did not work. I made more attempts to contact MoneyLion by phone several times and it was an endless music hold. It still shows XXXX. I deleted XXXX several times on my own, and it still has XXXX. I am now past due on several payments and have marks on my credit report for non-payment. I am pre-collections now. I would LOVE to pay my payments, but it won't allow me to. It will not allow me to do anything and no one responds. Today XX/XX/XXXX I attempted to call again and it told me to leave my number for an agent to call me back. No one called me back. I sent a support email Ref # XXXX.

Company response to consumer: Closed with explanation