BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-27
Company: ALLY FINANCIAL INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On the morning of XX/XX/2022 I got a fraud debt charge on my Ally financial debt card for XXXX XXXX I saw from my transaction history it came from a company called ( XXXX XXXX ) I immediately searched up the website and found their contact information and called, and after several attempts of trying to reach customer service I finally got someone on the phone and I told them that someone is using my debt card on their platform and got charged XXXX XXXX after speaking to the company customer representative, I was told that since they can't use my debt card information to see what account my card was connected to, due to security reasons that they couldn't help me, so feelings hopeless I moved on to dispute this fraud charge with my bank Ally financial, after I explained this charge to them they closed my debt card and sent me a new one and filed a dispute form over the phone with them, my dispute Case number for Ally financial ( XXXX ) they told me after 10-15 days I will receive a paper mail with the determination notice, after I received that paper I got declined for any provisional credit for this charge, they couldn't give me any exact reason why I got declined and now I am out of XXXX dollars and moving forward I'll banking with a different bank that protects & appreciates their customers. I would like CFPB to see if they could get me a refund of XXXX $ from Ally financial and to see what exact reasons they declined me for. Thank 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 2016-06-17
Company: LPSG
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
This company called me and told me that i had a XXXX XXXX from XXXX bank that i never owned. They also told me that they would sue me and garnish my paycheck if i did not pay this debt back immediately. When i told them that i did not have a XXXX XXXX they told me that the debt was all the way back from 2012 and that i was no longer allowed to dispute the debt. they then had me set up a payment plan. I asked them to please send me a letter in they mail and a gentleman named XXXX XXXX kept saying that he personally sent it out but i have n't gotten it yet. They have only sent me emails with a non existent letter head with out an address. The email doesnt come from an email address that you can return mail from. I think that this is a scam and they scammed me out of a lot of money.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-15
Company: Action Revenue Recovery, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a record of this account that ever belonged to me. I've requested on various occasions to send verification from the proprietorship however they haven't agreed to my solicitation yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Action Revenue Recovery, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account had no record that ever belonged to me with these authorities/leasers. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
With these specialists/leasers, this record had no record that consistently had a place with me. I have attempted a few times to reach them to request proof of proprietorship, however, they have not given me the imperative administrative work to show that I really own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I filed a fraud claim for multiple transactions on my BOA credit card : XXXX {$42.00} XXXX {$180.00} XXXX {$37.00} XXXX {$36.00}. 

I immediately reported these transactions, and my card was subsequently closed. I was told the investigation could take up to 60 calendar days. However, my claim was rebilled to my credit card on XX/XX/2021. I didn't even see a reasonable explanation as to why my claim was denied. ( The representative I initially spoke with misfiled the claims and I had to call in again to add the additional fraud charges. ) I am being held responsible for these fraudulent charges, although my credit card wasn't in my possession during any of these transactions ( which I notably reported to the claim specialist at the time of my claim ). I did not consent, nor am I acquainted with the individual who stole my credit card and used it. BOA didn't do a thorough enough investigation into the matter and closed it without a sound resolution. I bear no responsibility for any of these fraudulent transactions.

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 2022-08-17
Company: Experian Information Solutions Inc.
State: MN
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 a consumer who was affected by the recent XXXX computer glitch ( computer coding error ) which changed and miscalculated my XXXX credit score between XX/XX/XXXX and XX/XX/XXXX. Before the XXXX computer glitch my XXXX credit score was XXXX, but now my credit score is XXXX because of the XXXX computer coding error. The following unauthorized and fraudulent credit card accounts, collections account, public record and credit inquiries reappeared back on my XXXX credit report due to the the XXXX computer coding error : XXXX XXXX, Balance : {$330.00}, FXXXX XXXX XXXX XXXX Balance : {$370.00}, XXXX XXXX XXXX XXXX XXXX : {$5600.00} and BANKRUPTCY XXXX XXXX XXXX BANKRUPTCY XXXX XXXX XXXX MINNESOTA, Account Number XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX, and XXXX, Hard Inquiry Date : XX/XX/XXXX. The following credit card account is lost/stolen : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$71.00}.

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 non-monetary relief
Consumer complaint received 2022-10-13
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting Act, this creditor has violated my rights under 15 USC 1681 s602, states I have the rights to privacy. 15 USC 1681 s604a s2, also states a consumer reporting agency can not furnish an account without my written consent

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 2018-06-16
Company: Nelnet, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
It seem like XXXX is trying to use any false, deceptive, or misleading representation or means in connection with the collection of any debt. XXXX claim that I own them money. I really believe that XXXX being discriminated against me because I'm a XXXX male. XXXX have not given name and address of the original creditor. I am requesting XXXX to please stop trying to collect money on a false account and stop putting false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My credit report reflects a bad debt-charged off status on a credit card, in reality I made monthly payments and the card balance is paid in full. Also, a tax lien is showing as current, when in truth this was paid in full and satisfied. I have letters of satisfaction on both accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: Experian Information Solutions Inc.
State: GA
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:
Please see this letter as an immediate request to reverse inaccurate late payments from my credit report. I recently reviewed a copy of my credit report. I am concerned because there is information listed that is inaccurate. I check my credit report often because I know how important having good credit is. Any information reporting on my credit report by law must be validated, verifiable if not, that information must be removed or corrected from/on my credit report. 
THIS IS VIOLATION OF THE 15 U.S. Code 1681a- Definitions, rules of construction | U.S Code | US Law| XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) 15 U.S. Code 1681a- 2 -Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. Prohibition ( A ) Reporting information with actual knowledge of errors 15 U.S. Code 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ) the term consumer report does not include ( A ) subject to section 1681a- 3 of this title any report containing information solely as to transactions or experiences between the consumer and the person making the 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 explanation
Consumer complaint received 2021-01-15
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
CITIBANK CHECKING ACCOUNT ENDING IN XXXX IN REFERENCE TO CLAIM XXXX CITIBANK HAS ENDED THE BANKING RELATIONSHIP WITH ME, AND REFUSED TO RELEASE THE REMAINING BALANCE ( {$120000.00} ) ON THE 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 2020-03-20
Company: EQUIFAX, INC.
State: AL
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:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Experian Information Solutions Inc.
State: FL
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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF VETERANS XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX   XXXX XXXX, US DEPT VETS Company Inquiries : 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 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF VETERANS XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX   XXXX XXXX, US DEPT VETS Company Inquiries : 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 2021-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had my wallet stole before XXXX in Louisiana. I have finally got my bank card back I disputed a charge through XXXX car rental in XXXX Louisiana for letting somebody come in with my sos my driver id and get a rental. I had no idea about this. Now the back is taking the money back out Im out of a XXXX dollars tottal for what sombody els done. Pleas help you can reach me at XXXX Im XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: COLLECTECH DIVERSIFIED, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I already demanded proof of how you dealt with the information that you indicated in my credit report. Again, you can not prove any of the information mentioned in the past credit report data that I contested with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I called to defer payment during the pandemic. Then we were still struggling and I called to set up a {$10.00} per month payment. I thought the payment was to be automatically drawn off our checking account like the first payment I made, and it was not and then I was charged a late payment to my credit report. I called and asked them to take the late payment off my credit report because I did end up paying and they said they would take it off and it is not off. Please remove this ding on my credit report. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
One of our employees has a debt collector that keeps calling after we asked them to stop and let them know employees cant receive personal calls at work.

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 2021-01-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I lost my job and then the pandemic hit. I called to try to negotiate to lower this payment and there was an unwillingness to help. Now my credit score is ruined. I need these late charges off my report so I can move forward. I now have a good job and paying on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: WELLS FARGO & COMPANY
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I bank with Wells Fargo Bank in XXXX Az. Using my Wells Fargo debit card at XXXX XXXX in XXXX to get close to todays current market rate, I found Wells Fargo has frozen their ATM card exchange rate to XXXX ... my XXXX last transactions, increasing my cost of doing business by an additional {$21.00} plus per transaction plus their internation fee of {$5.00} dollars U.S. And XXXX 's ATM charge of {$1.00} or less. 
My last XXXX transaction showed a market rate at {$19.00} last Thursday XXXX/XXXX/2016 after XXXX so I exchanged dollars for {$8500.00} XXXX at a cost to my account of {$470.00} and change, then Saturday evening XXXX/XXXX/2016 I withdrew {$8500.00} XXXX for {$470.00} US dollars and change rate was XXXX then today XXXX/XXXX/2016 I again withdrew {$8500.00} XXXX and got the same rate as Saturday! After calling Wells Fargo, they said it was XXXX 's problem, not theirs, until I said you are my Bank and your name is on my XXXX Debit Card. I was helped by Wells Fargo rep who then called XXXX to find out they were keeping the rate well under market at a cost to their consumers, ME. I did file a complaint with Wells Fargo but after finding how they were evasive and tried to place blame elsewhere I am now turning to You. 
My phone Number is XXXX cell and my XXXX XXXX number is XXXX! 
I know now Wells Fargo is manipulating the currency market to their clients using Debit Cards at the very least. I have an account with Wells Fargo an my account should reflect dates and time of all XXXX transactions. This is a first that I know of and I do n't like it! 
Sincerley XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Az XXXX! I am current at our home in XXXX XXXX XXXX and the ATM was from Santander bank across from XXXX XXXX XXXX XXXX! XXXX! 
XXXXXXXXXXXX is my email!

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 2022-10-13
Company: USCB, Inc.
State: CA
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:
For the last 60 days I have been trying to obtain information about my credit reporting without success. I am trying to validate the debt reporting from USCB America & XXXX XXXX. Please provide me an itemization showing proof and accuracy that USCB America & XXXX XXXX belong to me.

Company response to consumer: Closed with explanation