BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I received a hard inquiry from Bank of America on XXXX XXXX. I had no reason to inquire 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 2015-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX reported me paying a loan late 90 to 120 day. The loan was taken out with them and my truck was used as collateral. The truck was vandalized and salvaged by my insurance company and they were sent a check to pay off the amount. The check was XXXX short and the loan had gap insurance on it so the XXXX filed a claim and advised me they would notify me with anything further and they never did until they sent me to collection were I paid them because they never sent me or called me to notify me that the gap claim was denied.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: EQUIFAX, 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 status incorrect

Complaint:
XXXX CARD IS REPORTING 1 ( 30 ) DAY LATE IN XXXX, 2016. THIS IS FALSE AND UNTRUE. I PAY ALL OF MY BILLS EACH MONTH.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Square closed my account after I received the money on it for no reason and he reserved the money and I desperately need it because I am in financial difficulty I emailed them Hundreds of times and they don't even answer they have held my money for more than a month now without any reason and I can't withdraw it to my bank account please help me Because I really struggled to make that money. 
This is the email attached to the account : XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
I wanted to send {$5000.00} to my cousin in XXXX on Monday, XX/XX/2022. 
I went to the nearest Citizens bank branch to my home. 
I have a checking and saving personal and business account with this bank. 
Prior to going there, I booked an appointment with XXXX XXXX the branch manager. 
He assigned one other banker to assist me. 
Banker asked for my information, and beneficiary ( my cousin ) information to transfer. 
I have indicated and emphasized that I'd like to transfer the same dollar amount. 
I agreed on paying {$75.00} for fees. The piece of paper that I signed also indicates Total to the Recipient : XXXX USD. 
My cousin informed me today ( XX/XX/2022 ) that the received money was XXXX euros. 

This was not what I have asked my bank to do, this money is much less than what I expected, it is not what I expected, and Citizens bank has violated the customer 's right. 
My right to request banking services as exactly indicated above, my right to be informed. 
I called the office of transfer ( XXXX ), and when I complained about the above issue, the citizens ' bank manager hung the phone on me ( Disrupted the phone conversation ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: Quality Asset Recovery LLC
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I got injured on the job in 2012 and went to the XXXX and had health insurance under worker 's compensation. Everything was covered by my plan however, now I am seeing on my credit report, that they are charging me and my wife {$1000.00} for a debt that was paid for.

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 2022-05-25
Company: EQUIFAX, INC.
State: MN
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:
I first disputed inaccurate inquiries with equifax and they came back verified. I then sent a method of verification request exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). According to federal law they must provide a response within 15 days of receiving that letter. Well I have proof via USPS CERTIFIED MAIL that equifax received my letter on XX/XX/2022 and here is the tracking number XXXX Till this day XX/XX/2022 i have not received any form of communication with the credit reporting agency equifax thus they took longer than XXXX which in fact is a VIOLATION OF FCRA. I demand they remove the inaccurate unverifiable inquiries by these lenders XXXX XXXX XXXX XXXX XXXX XXXX XXXX if not i will gladly enforce litigation and take equifax to small claims court in XXXX XXXX MN for playing with my privacy and credit report and for violating federal law. I will request {$1000.00} per inaccurate unverifiable items and i am 100 % certain i can prove to a judge these items are inaccurate and equifax has violated law. 

IF Equifax does not respond appropriately to the CFPB complaint and correct the errors on my credit report within 14 days A lawsuit against equifax WILL be FILED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: ROBINHOOD MARKETS INC.
State: KS
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been locked out of my Robinhood account for 4 days now. 
There is around XXXX in the account that I am possibly losing money on. 
Or not being able to take a profit. 
I have XXXX shares of XXXX stock and 1 XXXX stock. 
I have called to company ( Robinhood ) I have emailed them multiple times and all I get is a automated email saying they have received my email and someone will email me soon. 
It's been 4 days and I have had zero help. 
They are very unprofessional and I would like access to my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: EQUIFAX, 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:
I have a lot of student loans on my credit report. There are  9 student loan payment that is listed on my report that has late payments on each one for   9 Months the dates are from  XXXX   XXXX   XXXX   XXXX  and also  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
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: Credit inquiries on your report that you don't recognize

Complaint:
Information was leaked in a data breach.

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 2022-05-25
Company: XOOM CORPORATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
i tried to transfer money using xoom on XX/XX/2022 at XXXX XXXX, it canceled out on xooms end, they withdrew the XXXX from my bank account i was sending it to, inturn overdrawing my account ... at XXXX XXXX  i tranfered XXXX more to clear this negative. when i checked later i was still missing the XXXX, as my account had the originial begining balance of XXXX, so i have reached out mulitiple times to xoom, mulitiple emails, i am getting no where. ive seen them screenshots of all the asked for info, transactions etc, this has been going on for 21 days, i dont have an extra XXXX to just throw away and they dont care, just hang up on you, and tell you your wrong, or no thats not it, so i need help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I recently shopped rates for a mortgage for a new home I purchased and closed on. I completed mortgage applications with XXXX companies ( XXXX Home Mortgage companies and XXXX traditional bank ). This all ocurred within 30 days. Now that I selected XXXX company and have closed on my new home, my credit score has now dropped significantly. The main thing I see that has changed is that my credit report showed an increase of hard inquiries from each of these companies checking my credit during the application process. I thought when you shopped for rates and actually closed on a mortgage that the credit bureaus would reflect this as XXXX inquiry? Could it be that the whole mortgage process from application to closing took more than 30 days? I do n't think it is right that my credit score was negatively impacted by XXXX points. The Home Loan Companies I applied to are : XXXX XXXX, RI the XXXX I used ), XXXX XXXX, XXXX RI, XXXX XXXX XXXX XXXX RI, and XXXX XXXX. Multiple Inquiries came from a company named XXXX, XXXX, XXXX XXXX, and XXXX. 
I am happy to provide additional specific details upon request.

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 2022-05-25
Company: NAVY FEDERAL CREDIT UNION
State: GA
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 went to Navy Federal when I wanted a company to stop charging me, they continued to allow the company to charge me, and when I filed a fruad report with navy federal they gave me my money back, and reversed it after they rejected the claim. Here is the issue, I asked Navy Federal to stop allowing the transactions and they continued to allow it to the tune of XXXX. My other bank ended up sending me a check for XXXX and an apology for not helping me. Navy Federal decided to sue me, after knowing this scam was going on and did nothing to help me. They sent one letter offering a settlement of XXXX, but never a bill or allowed me into my account. They took XXXX that was for my secured credit card and still are suing me. I can not even login to my credit card to make a payment and when I called today, I was hung up on and the guy informed me he could not even speak to me about my credit card. So, what is next they get to sue me for my credit card they wont even allow me to login and make a payment on?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received notice from XXXX XXXX, XXXX regarding collection of a debt of {$710.00} with collection fees concerning my " merchant service agreement ''. Never received a bill and I am uncertain as to what company this debt is due to.

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 2022-08-18
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I took my first student loan out in 1993. Every year I would call Navient about not being able to make payments and every time they suggested that I either go into forbearance or deferment. Not once over the years did, they suggest income base repayment. If they had my loans would have been paid off now instead of me owing over {$120000.00} because of all the interest, they have added on. I recently saw that Navient was being sued because of these allegations.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I was attempting to get my free annual reports on line and there was a power failure. When I got back to my computer the PDFs were gone I could not recover them. I asked for access like you get when you pay 30 days, but was denied. I then asked to have them mailed and this is the response I got from Trans Union. No pay for it now. I think that is unfair. I tried to get them online and failed. Then I wrote them and filled out the mail request form and then they said no again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-23
Company: First National Collection Bureau, Inc.
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
First National Collection Bureau XXXX Inc., account # : XXXX, Ref # : XXXX, is a fraudulent account and do not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
My Sister and I have accounts in Bank of America. She is in XXXX and I live in XXXX. I wanted to transfer {$200.00} to her account. I logged in the Bank of America mobile application and used the " Transfer Money '' feature. It prompted me for a Cellphone or Email address and the full name of the recipient. I input my Sister 's full name and her mobile number and clicked on Submit. The next day my Sister notified my she had not received the money yet so I called Bank of America. I spoke to one of the associates there and I was notified that the money transfer was sent to an account in XXXX XXXX. They were not able to provide me with the information of the owner of the XXXX XXXX account. Bank of America is telling me that this is my mistake. That I should have not used a mobile number. Bank of America opened a " dispute '' on the transfer but notified me that if the owner of the XXXX XXXX account refuses to return the money, then that means that I have lost the {$200.00}. I will never see the {$200.00} again. 
My Sister number is also registered under Bank of America so I do not understand why would the transfer be sent to " Outside '' of the Bank of America network instead of figuring it out that there was an account within Bank of America with the same mobile number registered. My Sister does not have an account with XXXX XXXX. She only has a XXXX XXXX through them. I am on my second day calling Bank of America and they keep avoiding me and putting me on hold. When I finally contact an associate they tell me that there is nothing they or I can do but only wait. This transfer feature is not secure and it is faulty. Bank of America needs to be held responsible for this mistake and audited to make sure this error does not happen again to other customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: Experian Information Solutions Inc.
State: TX
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:
This account was opened in 2013. It was paid and closed. It recently showed up on my credit reports. After all these years as closed and a bad debt charge off. Not true. Plus its been over 7 years and needs to be removed completely from my reports. Ive asked for investigations and XXXX  removed it from my report. The others did not. Please review and remove this completely from all credit bureaus. 
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 non-monetary relief
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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.

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 2020-09-30
Company: Capital Accounts, LLC
State: VA
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:
The information reported by following creditors and collection agencies in my credit reports are incorrect. I tried to contact them and they are taking time to remove - XXXX  # XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: EQUIFAX, INC.
State: MS
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX/XXXX XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I want to dispute a {$95.00} medical bill that is open with Equfax. I sent a dispute to XXXX and let them know that I paid the bill before it was sent to collections. The results are below. After verification it shows that I did pay the bill. I want this removed from my Equfax report as well. 


Since your last update on XXXX XXXX, XXXX, 1 collections account has been removed from Account Type Removed Status Reported By XXXX XXXX XXXX Removed XXXX Removing a collections account from your credit report can have a positive effect on your credit score. 

This is a copy of what equifax has : Account Details Last Reported XXXX XXXX, XXXX Collection Agency XXXX XXXX Original Creditor XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Account. 
Balance {$95.00} High Balance {$95.00} Remarks Medical.

Company response to consumer: Closed with explanation