BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This is XXXX XXXX submitting this CFPB complaint to request to the Credit Bureaus once more to remove the remaining account and information that resulted due to identity theft. I sent another dispute letter on XX/XX/XXXX, as my 2nd attempt to inform the Credit Reporting Agencies that I have been a victim of identity theft and I dispute certain items in my file resulting from the crime. My information has been exposed in the XXXX data breach. The following accounts, inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. Please block the reporting of any information in my credit file that resulted from the identity theft : XXXXXXXX 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 XXXXXXXX Balance Owed : {$250.00} XXXX XXXX XXXXXXXX XX/XX/XXXX. Under the Fair Credit Reporting Act section 605, the Credit Reporting Agencies are expected to remove the disputed items from my Credit File within the time allowed by law.

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 2022-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I would like to report a concerning discrepancy between my payment made in full to Bank of America 's debt collections service company, XXXX XXXX XXXX, and lack of payment confirmation from Bank of America. My credit report incorrectly indicates that my {$8500.00} Bank of America debt was, " charged off. '' This information is incorrect as I provided my account number and my bank 's routing number to XXXX XXXX XXXX with the understanding that they would pay off my debt, update the credit report and expeditiously notify Bank of America of my payment status. Bank of America provided me with a secure credit card after enduring a difficult and unexpected financial period. Unfortunately, during the COVID-19 pandemic, I fell victim to identity theft, cybercrimes, and fraud. I keep in contact with Bank of America to ensure I upheld by my customer responsibilities, and integrity as a loyal law-abiding consumer. For the record, the Bank of America team was accommodating, and provided me with options to resolve the unprecedented dilemmas that arose during the COVID-19 pandemic. For security purposes, I closed the account with the intention of reopening an account at a later date. On XX/XX/2022, I happily made a payment, in full, to Bank of America, through the debt collections service company, XXXX XXXX XXXX XXXX, XXXX. On XX/XX/2022, XXXX XXXX XXXX withdrew the total amount of {$8500.00} from my checking account. I felt the weight lifted off my shoulders and was relieved I finally paid off my debt to Bank of America. Unfortunately, to date, my payments to Bank of America via XXXX XXXX XXXX are still not reflected on my Bank of America account, nor have been updated on my credit report. My credit report incorrectly indicates that my Bank of America debt was, " charged off, '' which is false and derogatory information on my credit record. I provided my account number, routing number and payment in full, via phone to XXXX XXXX at XXXX XXXX XXXX. I am concerned my payments were misappropriated.

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 2022-10-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I went to my bank, Citizens bank on XXXX XXXX in XXXX PA XXXX and asked them to cash some XXXX bonds I have. I have my accounts with Citizens bank. They refused. I then went to another bank, and was told if I had an account with them, they would cash my bonds. I want Citizens bank to cash my bonds as others banks would do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: SYNCHRONY FINANCIAL
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This account was opened in XX/XX/XXXX by my husband. I was an authorized user on the account. At no time could I call and do anything with the account. On XX/XX/XXXX my husband moved out and forwarded all his mail to his new address. Until this showed up on my credit report I did not know he canceled the card on XX/XX/XXXX. I already had the XX/XX/XXXX payment set up in bill pay. 
This account being reported on my credit report is effecting my ability to get a mortgage. I have tried several times to get resolution but it has come to nothing. I called yesterday and spoke with a woman in Recovery that happily took my new mailing address but other than that would not talk to me about the account without my ex husband 's consent. She also told me the account balance is {$150.00} more than I thought and to have it shown as paid I have to pay the entire amount. 
My ex husband would never do a thing to help me, in fact opening this up will result in another barrage of insults and threats. The last time I contacted him about left over business from our marriage he wanted to know why I was n't dead yet. Due to our son being a minor at the time he had a {$100000.00} life insurance policy on me. I feared for my life. I never gave my social security number to be associated with this account. 
If I can not get information or deal with this how can it be reported on my credit report?

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 2021-01-20
Company: EQUIFAX, INC.
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 SPOKE TO THE COURTS AND THE CLERK VERIFIED THAT DON'T REPORT TO THE CREDIT BUREAUS. I KNOW I HAVE BLOCKED MY REPORT SO I'M CONCERNED WHERE THEY ARE PULLING THIS INFORMATION FROM SAYING IT IS VERIFIED. PLEASE PROVIDE ME THE ACTUAL PETITION WHERE THEY ARE GETTING THIS INFORMATION FROM. 
INACCURATE CITY AND STATE MUST BE LISTED IN THE COURT NAME FOR IT TO BE LISTED ACCURATELY. SHOULDN'T BE NO ABBREVIATIONS, FILE # 'S NOT ACCURATE, FILE DATE .BKPT NOT ACCEPTABLE.SEE ATTACHED THE VIOLATIONS!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America Closed our account because they said we deposited fraudulent check. We did not. We went to XXXX and got a letter from the bank proving the check was good. When we did, they said the check was cashed. BofA said they did not at first and even if they did they could keep the funds because of fraud.When we went back with proof they said " we do n't want your kind of business and your account is closed and if there are any funds we may mail them back to you. And hung up the phone. I have been disconnected 3 times now trying to find out what is happening. XXXX. This has been going on since XX/XX/XXXX. We asked to file a complaint and was told there was no one to complain to and it was finial. Check amount was for {$1400.00}

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 2022-10-19
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

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 2020-04-04
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Approximately {$3000.00} was stolen from my account. MY problem with my bank is obvious because, despite having the card and only using a couple of time to withdraw a small amount that was also replaced, i also have a problem with the CFPB for not enforcing federal law designed to protect consumers or at least force bank to protect its customers. I don't know how it is done, but Debit cards are duplicated and the PIN figured out without the holders knowledge. Also federal limits the loss of the card holder, something CFPB WILL NOT ENFORCE. Santander bank will not assist me because it does not have to, due to this federal agency not doing its job. I work way too hard for my money as well as meet responsibility to perpetrate fraud against myself. I want justice. 

Please don't play with my intelligence and say go to the police. The police treat me like i am the criminal and does not follow up on anything, meanwhile banks treat its customers as cash cows while getting federal bailouts at taxpayers ' expense.

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 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
The credit bureaus stated my account was properly investigated but, how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date reported is inaccurate.this is grounds for removal. They also violate my rights under 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 : 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 2017-05-22
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I keep a close eye on my credit report. As this account is not on my   XXXX   report. It did appear on the mortgage companies report they pulled from  XXXX . This account is not mine and I was not notified of this account. Also, it puzzles me that I was informed of this account from a mortgage lender. FCRA laws have been violated here. The sneaky way of ahving this on a mortgage lender report and not the   XXXX    report from them. This should be investigated by CFPB and my attorney for violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I previously froze my credit with Experian and did a temporary lift from XX/XX/XXXX to XX/XX/XXXX. They provided me a PIN and I kept it. Today, XX/XX/XXXX I went to the website to again temporarily unfreeze my credit report for a time sensitive application. The website would not take the PIN. I tried to proceed without the PIN and was locked out. I called the phone number and was only routed to a machine with an address with no details on how to unfreeze my credit report. This is unacceptable.

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 2015-07-10
Company: Brennan & Clark, Ltd., LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
A collector from a collection agency contacted our office today. This was during a time I was yet in the office ( I am the XXXX XXXX ) so he instead spoke with our receptionist. The following is the receptionists written account of the conversation, " XXXX XXXX said this matter is urgent and was upset that none of his messages or XXXX letters have had a response. He said if this matter is continued to be ignored the legal matter will have to escalate. He then started asking me if we had a lot of attorneys or collection agencies call us. Or if we were filing for bankruptcy. I told him that this was not something I would comment on and I would pass his message along. He was really rude to me and said 'well, be sure you give my message this time. ' He said he would be in his office until XXXX today. " This is completely unethical means of communication. Not only, was this phone call harassment it 's also slanderous for both the owner and the business. XXXX XXXX is not allowed to speak with anyone other than the owner about this matter. He should not disclose information or make slanderous accusation such as, " [ do ] we have a lot of attorneys or collection agencies calling us. Or if we were filing for bankruptcy. '' For XXXX XXXX to have expressed this to the receptionist is unacceptable.

Company response to consumer: Closed
Consumer complaint received 2015-07-17
Company: BlueChip Financial
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
These people are not licensed to perform XXXX XXXX excessive interest rates XXXX operations in the state of California or the USA. They are charging me a interest rate of % XXXX and the department of business oversight of the state of Ca. said that they can not do that. Their phone number is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Ive been charged XXXX dollars in the pass 5 days for nsf fees, thats from no fault of my own. Yet my acct still has money in it. Chase customer care said they only wave overdraft fees 3 times in a 12 month cycle. Im not a wealthy person. I work hard for my money .and chase seems to have found away to take it. XXXX XXXX I was charged XXXX. For overdraft fees XXXX XXXX I was charged XXXX for fees XXXX XXXX the same. Ive spoke with the bank several times and has gotten no where.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-16
Company: ACS Education Services
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have been paying my student loan through ACS Education Services for 10 years. Never missed a payment, and have never been late on a payment until recently because we are going to pursue legal action. My principal balance has increased instead of decreased. All my payments are mostly applied to the interest and not the principal balance. I am on a FIXED rate plan but the interest seems to be variable and calculated by which day i pay. ACS is saying i owe more than what i originally took my loan out for. How is that possible? In the end they want me to pay DOUBLE what my original loan amount was. How can they get away with that? I understand that some of the payment needs to be applied to interest, but the majority of it should not!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Experian Information Solutions 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:
I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 explanation
Consumer complaint received 2020-04-13
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
XXXX Received message regarding employment. Applied for an XXXX XXXX position at XXXX on XXXX. Inside the message I received a link. http : XXXX I proceeded to fill out paper work and await for response XXXX Received emails stating that I had been employed. First task was to complete the contract agreement and fax it over so that I could officially start work. Also was given a number of the boss XXXX XXXX we were in contact he stated he had been injured and had to work from home and needed an assistant immediately. 
XXXX First task. I received check in mail from employer XXXX. The check was provided so I could pay off an invoice. I deposited the check and was notified it would take a few days to be in the account. The invoice was due that day but the company was notified and allowed a late payment. 
XXXX Made a purchase for a {$100.00} XXXX gift card because the employer thought it would be wise to give a gift because the payment was late. 
XXXX Check cleared into my account. I paid a {$1000.00} XXXX payment to XXXX XXXX for invoice and the second payment went to a XXXX XXXX XXXX XXXX  for {$1500.00}. The {$1500.00} was a cashiers check I got from my bank BB & T which is now considered Truist. I also purchased two more gift cards which where given to Mr. XXXX. I was awaiting my check in the mail on that Friday. 
XXXX Check was returned and no longer in my account. I was alerted that the check was a fraud. Couldnt file claim until the following Monday because operations were closed. Filed claim on the XXXX. 
XXXX Called BB & T to check on claim to find it was denied. Stated I was a victim of fraud but they couldnt do anything because the check was on my account and the money was gone.

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 2021-10-28
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: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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: Investigation took more than 30 days

Complaint:
XXXX  and XXXX  has not comply with the FCRP law, I have sent validation letters to prove the accuracies of my credit report XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX  XXXX  I have no known acknowledgement and accounts have been sold to a third party so I want documentation on how much they sold the account for and yet to respond. After 30 days of no validation accounts should be removed. I have a fraud alert and credit monitoring and I have not been spotting for credit and I have so many inquires that I didnt request that I will like removed. This is so frustrated

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 2022-09-12
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Tried to get information in regards to the investor on my mortgage which is in deed XXXX XXXX. Once gave them information my account is not being pulled up. My social security and last name are being used with them for a different account that I am not part of. They said they will look into and have no reached back out to me. At first they stated they are not the investor in my mortgage. So they can not approve nor deny any refinance or loan issues. Then once given social security number again they state they cant find by first name only social and last name, that the first name they have on file is someone totally different that is using my social. They are not helping resolve this issue. Because of them I could not remodify my home loan and am on the verge of losing my home.

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 2019-10-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been trying for a month to get a statement from Capital One verifying that a checking account was closed in 2015. This is needed by XXXX to verify assets. Despite numerous phone calls and documentation from me, they have yet to produce this verification

Company response to consumer: Closed with explanation