BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-06
Company: Experian Information Solutions Inc.
State: MI
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. The List of accounts below has violated my federally protected has consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 has violated my rights . 15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-08
Company: JPMORGAN CHASE & CO.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023 i made a atm withdrawal from XXXX XXXX in XXXX, Ky for the amount of {$800.00} dollars, i asked for the bills to be {$50.00} bills, instead i received {$20.00} dollar bills totaling just {$320.00} dollars, i immediately held the bills up to the atm camera without pulling the money inside my vehicle so that they could see it was the wrong amount and bills, i did this because this was on a Sunday and the bank was closed. i called XXXX XXXX and they said i have to file a claim with my bank chase bank, which i did that day and told them everything including about checking the camera 's, they recently sent me an email stating that i authorized the transaction and XXXX XXXX said that their atm didn't malfunction, i asked them did they request the footage, they said no and i asked them why when i had told them all the evidence is on camera, they basically told me i had no other recourse than to accept their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello, I received a letter from Chase bank on XX/XX/XXXX where my account was opened in XXXX and I immediate started making direct deposits and use this account as back up savings for my life being. 

The letter from Chase states the following : " After careful consideration we decided to close your account because of your association with chase credit car deposit or investment account that was previously closed ''. 

I used to have credit card, checking account and business account. My credit card with them was since around XXXX and was closed along with everything else in around XXXX with no explanation and no branches nor customer service would give me a reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/2021 I wrote a letter to all 3 credit bureaus in regards of items that I disagree with on my credit report after I pulled my report. I sent out my letter certified so I can keep track of all my documents because I know they have a certain time for responding to my letters. I will attach my letters, return receipts and my proof of identity so you can help me with this matter because this is unfair that these credit bureaus are putting crazy items on my report like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I just noticed that there have been several inquires that have been added by someone that have stolen my information. THIS IS FRAUD.

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 2023-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/2023 I have been waiting for over 5 days for Bank of America to return 2 processed refunds in the amounts of {$100.00} and {$39.00}. XXXX ( manager ) & employee # XXXX XXXX both are denying that boa has received these funds already and said it could take up to 14 business days in order for this return to process to my checking account. I've already confirmed with the merchant that the funds have been released to BOA. Why does Boa have the right to withhold my funds for 14 business days? They are using my small amount of money to benefit off of for their own financial gains. I am not rich like they are and this is illegal. Something needs to be done about this immediately.

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 2018-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/2018, a requested balance transfer of {$100.00} from my XXXX XXXX XXXX ( XXXX ) Visa account ending in XXXX posted to my Capital One Visa account ending in XXXX. On XX/XX/XXXX, said amount billed to my Cap One account and was included in its current statement - appearing as XXXX XXXX XXXX - which I paid in full ; ie, including the {$100.00} balance transfer. 

As of today 's date, XX/XX/2018, XXXX has not received the {$100.00} payment from Capital One. Moreover, as payment of my XXXX Visa account became  due on XXXX, I paid it in full. ( XXXX  confirmation code # XXXX. ) Consequently, I've now paid the {$100.00} twice. 

Subsequently, via its website instruction I contacted Cap One on XXXX - and have email verification of their receipt - detailing the issue. To date, no response from the company. As I am currently traveling overseas with extremely limited phone access to the US, I am not able to call them. 

Please promptly initiate an investigation and keep me apprised via my email address which is : XXXX. Thank you for your prompt attenti on to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Violation of privacy and consent of Late payments 15-U.S.C.-1666B 1666B Timing of Payments Pathway Title 15 > Chapter 41 > Subchapter I > Part D > Section 1666b Details Reference : Section 1666b Legend : 1666B Timing of Payments USCode Year : XXXX Provision Content ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

( 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 )

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 2021-10-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account for some time now with Portfolio Recovery. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they sent back documents that still do not prove that I am the owner of this account or that this debt is mine. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't provide valid sufficient documents pertaining to this account that it would automatically deleted from my credit reports. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Great American Finance Co
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received an inquiry alert, I called the company to inform them I didnt not request any line of credit. I was told theyll note the account as fraud. I received another notice that an account was open, I called again to inform them this is not my account I was ask to send a police report. I had to go get a police report for an account I acknowledge when the inquiry hit was not mine and they proceeded to allow the account to be open. Police report completed and sent to the company. I was told it was an online account, my last call I ask why would they not have two factor authentication ( this helps with seeing that the address used I never had any affiliation with ), I didnt really get an answer as it wasnt her position to speak on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: LEXISNEXIS
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted the Credit Bureaus/Agencies XXXX XXXX XXXX XXXX, LexisNexis ) and the Creditor ( Bankruptcy Chapter 13 ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the bankruptcy is fraudulent and that I'm a victim of identity theft. In return to tell me that this bankruptcy was verified and/or belonged to me via LexisNexis or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. I also contacted the bankruptcy court and it is clear that they do not report to any credit bureau for that matter ; therefore the response verifying the item with the court is an error. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Mr. Cooper Group 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: Credit inquiries on your report that you don't recognize

Complaint:
I spoke with MR.COOPER ( my current mortgage lender ) on XXXX regarding their current home refinance rates. I notified the individual on the phone that I was already working with another lender for a refinance, and I was just looking to hear from MR. COOPER about what they could offer. The individual on the phone asked me some questions about home value and income, but presumably already had my SSN and other information about me because they're my current lender. I became extremely uncomfortable when XXXX XXXX ( the agent on the phone ) asked me to sign something that she had just sent over via email. I told her that I was merely looking for what rates they had ; not to fill anything out. I ended the call. She called me back repeatedly, but I was not interested and not comfortable with speaking with her any more. Then, on XXXX, MR COOPER pulled my credit for a hard inquiry for a mortgage, to which I never consented. In addition, they damaged my credit score, causing it to decline by a few points, which is now an issue for the loan that I have in underwriting. I at no time gave consent or filled out an application. I have received emails from MR. COOPER during the week of XXXX about signing loan disclosures. I did not apply for a loan, and my credit was pulled without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
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: Their investigation did not fix an error on your report

Complaint:
I have sent multiple letters by mail to the credit bureaus ( XXXX, TransUnion, and XXXX ) regarding errors on my consumer credit report beginning with wrong personal information. It has literally been over 6 months since I've been sending them letters month after month and they have failed to correct my credit report and remove the wrong information I clearly listed out for them in my letters. They have incorrect current and previous addresses reporting on my credit report that despite my multiple attempts to have them correct the issue they have failed to supply any information to me and have failed to verify those addresses and furthermore have completely ignored me. I am to my wit 's end and I do not know what else to do. I am in fear and devasted that I have information reporting on my report of places I've never lived or even visited. My biggest fear of all is identity theft, as is everyone. I ask that you PLEASE help me and make them comply with the laws and assert my legal rights. 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 2023-06-26
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
YOUR COMPLAINT This happens to be an ongoing issue that has been happening since XXXX almost 1 year now of being scammed and my credit card charged over {$6000.00} that this guy XXXX who claims he was a XXXX representative who scammed me out of {$6000.00} plus money from my credit card in which I refuse and will not pay because XXXX is what he told me his name was scammed me. I have been going back and forth with Wellsfargo about this and how this has affected my credit which my credit was High XXXX 's, now it has dropped to XXXX 's. I spoke with the Executive Office of Wellsfargo ( XXXX ), he opened up another claim for me in which I gave him a little more information. Once again I am not paying this amount that was charged on my phone in which this XXXX person had me download this app in which he entered my phone and was able to navigate through my bank informing. His initial attempt was to help me get {$500.00} back from someone that I was scammed from XXXX a month earlier, I was scammed 2 times within the same month {$500.00} and also this {$6000.00} plus which I am not paying that at all, I can not afford that why would I wire something somewhere I have no idea who these people are. I have texts from this person who did this to me telling him I hope you are not scamming me, all I want is my {$500.00} back ( Fake XXXX representative ). Who turned XXXX into over XXXX. Once again I will die oweing this money because I do not have XXXX to pay anyone PERIOD. I am not going to give up because I was Frauded and scammed and I am living from check to check. I can not afford to pay something that I did not authorize. Now the charges are up to {$10000.00} and some change from all of the late fees etc.that are occurring. Once again I will not pay this amount. At all. Wellsfargo in XXXX nj rather all banks should have sympathy for people that go through this. I will keep this ongoing because I am not paying and will not pay. 
XXXX whoever this person is his phone is still ringing and he is still answering the calls and probably is scamming more people. XXXX is his number. Do people really think that someone would say they was scammed just to say it. Not me I have attempted numerous times and I am not giving up at all until justice is served. And I have texts to even prove back and forth talking with this stranger. Scam artist

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 2021-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX reported a credit card belonging to my ex wife was XXXX in XXXX of XXXX. It was not. It was discharged in XXXX. I have a divorce decree that shows I am not responsible for any accounts that belong to my ex wife and that I was to be removed. I also called in XXXX and early XXXX, liekly mutliple times to have me removed from the account as an authorized user. XXXX XXXX did not remove me. The divorce decree explicitly shows, the main party and authorized user was to leagely remove me off the account and I was to be removed by the vendor. I also made attempts to remove myself off this account as well as any and all otehr accounts. Interestingly enough all other parties complied except for XXXX XXXX XXXX. XXXX XXXX also still reports it incorrectly on my credit bureaus and in my name. As well as false information. XXXX XXXX  has duplicated the discharge 2 times which is not legal in the first place and incorrect. The 2nd discharge is clearly shown as discharge and it is preventing my from making a home purchase and any otehr large asset purchase. I spoke with another bank and they clearly said it was a discharge and I as tried to clarify as XXXX XXXX XXXX said it was only an update, other lenders and companies of interes explicitly read it and consider it a second discharge. The XX/XX/XXXX reporting needs to be removed and the card and information needs to be removed off my name. This should have been done in XXXX. This is not only punitive, illegal and immoral. I will seek legal consel as recourse if this is not completed within 30 days.

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 2023-08-17
Company: LoanCare, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
During COVID we took forbearance for some months. When we were able we began making our regular payments again. A few months later we were notified of time to repay our debt. XXXX. I was given almost no time to collect the money and repay out of pocket. I was force to modify our loan and lump the payments in. This was not supposed to negatively affect my credit for the rest of my long foreseeable future. If I was notified that I would not be able to raise my credit over XXXX XXXX years down the road I wouldve tried to find a way to pay in full, even with only the XXXX days I was given to pull the money together. I just got done being in forebearance and hardship, how would I have {$15000.00} to give them that fast. 

XXXX years later Im experiencing serious problems with my credit due only to a comment by loancare. I can not get a mortgage with reasonable rates. We are experiencing extreme stress as our family grows and because of loancare and this COVID forbearance I cant get a fair shot at reasonable rates.

Congress passed the CARES act so that this exact situation wouldnt happen to the American people just trying to make it. 

Please help me remove this remark from my credit. We always complied with loancare and they cant seem to comply with the simple laws of our congress. 

Sincerely, 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