BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
My bank at Capital One 360 must have been hacked. I have charges from " XXXX XXXXXXXX XXXX '' I did not sign up or give permission to take from my account. My bank disputes the charges and then the next day The same site is charging my Banking account. So then after 3 days of fighting this I asked for my account to just be closed. They said they can't until the pending charges go through. I know it's not their fault but this site is going to keep charging my account and there is going to keep being a pending charge. It's also effecting other accounts that has used my debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
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:
Please accept this letter because it is very important for me. I hope we find mutual understanding and you will remove and recheck one more time wrong items in my credit report. I would like officially to complain about that you are reporting inaccurate and incomplete credit information. Those accounts I do not recognize absolutely and as for inquires I have never given any permission to any companies. I have never authorized those inquires and accounts. Please recheck and remove them from 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 explanation
Consumer complaint received 2016-07-25
Company: Advance America, Cash Advance Centers, Inc.
State: LA
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
contacted my work after i spoke with them and said do not call my job i will do my best to resolve this issue then called my employer and spoke to my manager and started asking questions about do i work here and so on ... Not only did they do that XXXX also called my mother and harassed her about making a payment saying that we will bring you to court and you will pay double if we do n't make a payment today my mother was crying and upset they disclosed my personal information with not only my loved ones also my co workers and they are all in distress including myself i had to leave work and my lawyer is now aware of the situation thanks i hope we can resolve this matter..

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I defaulted on an auto loan, the vehicle was repossessed and sold at auction. The remaining balance of the loan was transferred to me and went to collections. Over a period of 2 or 3 months I settled the debt with the collection agency satisfying the remaining balance of the loan. Over a year later, the original finance company has started sending me bills for the settled amount of the loan. I contacted them and they claimed it was an error and not a bill and told me they would discontinue sending me bills. 30 days later, I received a second bill with a late fee attached to it. When I call the company I get transferred from department to department, no one helps me. My average time on the phone including hold time is XXXX minutes. The end result is ultimately being told it is a mistake, yet I continue to get bills in the mail. Prior to the repossession there was a similar experience where they mailed me a last chance offer to call and make arrangements on the loan or it would go to charge off. I called prior to the assigned deadline to see if there were any options to avoid repossession, the told me it was already sent to collections and the letter was a mistake.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a purchase on my Forever 21 credit card. I then immediately told the sales clerk I wanted to pay that balance off with my debit card, which she then ran for me. This was a Friday evening. However, when receiving my Foever 21 bill, it showed the payment was never applied to my Forever 21 credit card. It was however deducted on my bank statement which I immediately checked. I informed Comenty bank ( Forever 21 ) that the payment had been made at the same register immediately following the purchase and I sent them a copy of my bank statement. They, However are wanting me to send the payment receipt which I no longer have ( and not even sure I received ) or retrieve a electronic transmittal inquiry form from my bank. My bank is saying my statement is my transmittal form which shows the amount paid to Forever 21 and has all the information they need ( including the transmittal number ). It has been a big back and forth for over 2 months now and now comenity has said they have reported derogatory information on me to the credit bureau even though we have filed a dispute which has not been resolved yet and I have sent all the necessary information regarding the payment. This is a nightmare and Im not paying them again when I have proof of the payment on my bank statement. Im not sure if the clerk at Forever 21 didnt make the payment correctly or what happened, but the money has been taken from my account and Forever 21 has it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Green Tree Servicing LLC recently acquired my mortgage. On the date of transfer, XXXX XXXX, I had not received a mortgage statement, or instructions on how to make a payment. After speaking with a representative, Green Tree insisted that I pay a {$12.00} fee for making a payment over the phone or through their website. My previous mortgage company XXXX Bank allowed automatic payments through their website for free. 

Green Tree was unprepared to collect payment as of the loan transfer date. Green Tree has made no effort to contact me in regards to how to make payments. The only correspondence I have received in this matter is from my previous servicer. I have wasted 2 hours dealing with them today.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Equifax this company is reporting fraudulent false information defaming my credit! The account is NOT MINE and is a result of identity theft from your breach! I never had a account with this company. Please remove!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am sending this over because there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. 
Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I XXXX XXXX, also did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of15 USC 1681b- ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: Blakely-Witt and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
BLAKELY WITT & ASSOC with an address of XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX states I owe them {$260.00}. I found this out when I looked at my credit report. I do not know what this is for, I do n't know who these people are, and they are reporting negatively on my credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Monarch Recovery Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This attempt to collect this debt is illegal. I never opened this account with the original creditor. This collection attempt must be stopped immediately. I was a member of identity theft and my credit has been ruined. I have contacted the credit agencies already and they have done nothing. I am now trying to fight this this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2022-03-22
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 59 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 was reviewing my credit report and noticed some un authorized accounts being reported and are extremely hindering. I have contacted the company over 30 days ago and still haven't gotten a solution, nor have I gotten a response. That is very unprofessional and it isn't fair that I have so go through this for something I didn't do. To verify, I submitted a photo of myself holding my ID and a proof of address as well. Please review, verify and remove these negative items from my credit report ASAP.

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 2022-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Wednesday, XX/XX/XXXX at XXXX pm, I received a phone call from Bank of America ( caller ID showed Bank of America, phone number was XXXX which is the Bank of America Small Business Customer Service Number ). The call lasted for 48 minutes. 

This is the summary of the conversation. Bank of America called me to let me know of suspicious activity on my debit card for this account. The representative told me that someone tried to use my card at a XXXX in XXXX, FL. They wanted to verify the past few transactions on the account, and all of the ones mentioned were fraudulent and attempts in Florida. Afterwards, they said they want to make sure the XXXX transfer that has been initiated for {$15000.00} was done on my behalf. I assured them that it was not my attempted transfer. They stated that the money was going to XXXX XXXX in XXXX, FL. 

Bank of America sent me a security code that the representative made me repeat to him the security code sent. That code was sent through the Bank of America system ( a text message thread with other security codes ). 

I was told the representative had to speak to the XXXX department, and then I was put on hold for roughly 20 minutes with the same hold music that Bank of America has. 

The Bank of America representative told me that I needed to initiate the XXXX transfer to myself in order to set up an alert on the XXXX system. I sent myself the {$15000.00} through my own XXXX account/phone number with XXXX XXXX ( not my S Corp name ) and my phone number. 

After I set up the transfer I was alerted that I should see the amount refunded into my account in the next 3 business days. The representative told me his name was XXXX and his representative number was XXXX. 

The next day when the money was not in my account and I had time to think about it, I realized I had been scammed. When I called Bank of America to notify them, I was brushed off and had to continually follow up, even go into a bank branch to authorize my account that had been frozen. 

I filed a police report after the situation and have provided Bank of America with that along with call logs proving the call came from Bank of America. 

They have denied my claim at this point and are not accepting responsibility for 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 monetary relief
Consumer complaint received 2017-02-17
Company: POPULAR BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have already settled the balance that it is saying I owe ( {$250.00} ) years ago. As it is, there is no branch for me to walk into to settle this issue, and it is causing financial issues for me. I have already paid the {$250.00}. 28.

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 2021-01-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
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:
USAA is reporting an old debt on my credit file and it needs to be removed. Under the FCRA this account is in violation because it is 7 years old and needs to be removed from my credit. It is also past the statue in North Carolina and they can longer come after the debt. This needs to be removed from my credit immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FAIR COLLECTIONS & OUT Original creditor : XXXXXX/XX/XXXX {$5000.00} This account does not belong to me I have contacted the original creditor and collections agency to verify the validity of this account and have yet to receive proof of ownership of account or service rendered.

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 2022-03-22
Company: Paypal Holdings, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
email : Thank you for using paypal for your new order purchase # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PAYPAL Due Date XXXX Invoice # XXXX  XXXX Thank you for using PayPal, Your account has been charged {$460.00} under auto-renewal and this charge will appear in your bank account in the next 24 hours. 
Paypal Customer Service XXXX XXXX XXXX XXXX XXXX XXXXXXXX Payment Information XXXX rate {$42000.00} XXXX Paid on : XXXX XX/XX/2022 Price Paid : {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I had XXXX fraudulent transactions of {$990.00} each stolen from my USAA Savings account. Each of the transactions involved transfers to an organization ( unknown to me ) called " XXXX. '' The transfers are as follows to individuals who are also unknown to me. They are as follows : XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX I have called USAA over a half dozen times with calls, including wait time while being transferred etc., averaging close to one hour. In over a month of trying to get a resolution, the following has occurred : XXXX transaction of {$990.00} has being refunded to my account The other XXXX fraudulent transfers of {$990.00} each are being denied because of " customer involvement. '' I have been provided no proof ( none exists ) of my involvement. 
There is a refusal to allow me to speak to the analyst who reached the " customer involvement '' conclusion. The claim is that customer service has no way of transferring my call. 

Of additional relevance : I live along, am former law enforcement, and I do not share my login information with anyone. 
In addition to the savings account that is under siege, I also have : o A XXXX USAA Savings account o Checking account o Auto insurance policy o Homeowners policy o An umbrella policy o Life insurance policy o A USAA Visa card o And have formerly had multiple auto loans ( now paid off ). 
I have maintained accounts as a member of USAA for thirty-three years The one scanned document attached is a letter advising that the first fraudulent transaction of {$990.00} was being credited back to my account. I can also continue to search for the denial letter if necessary.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
USAA SAVINGS BANK, charged off an account of mine, when I contacted i spoke with XXXX ext XXXX and she clarified an error and the bank paid the charge off amount of {$1.00}. to to satisfy my account, but the bank never updated with the credit bureau to remove the derogatory notations on the account, all of the late payment history and the term charge-off still is attached to, my account, which was not caused by me but by an error the bank made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, in accordance with the Fair Credit Reporting act XXXX  Account # 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 response to consumer: Closed with explanation