BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX, MI XXXX XXXX XXXXXXXX XXXX  XXXX, MI XXXX XXXX XXXX Balance : {$880.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$750.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00} XXXX XXXX Balance : {$880.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX  XXXX, MI XXXX XXXX XXXX Balance : {$880.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00} 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 non-monetary relief
Consumer complaint received 2021-05-10
Company: Byrider Franchising, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Ive purchased a car through CNAC byrider but my car has a recall. I been without my car for a month due to putting it in a shop before I knew the car had a recall on the engine. My engine is gone & I spent all my Money trying to repair it. I even lost my job due to this and not having transportation yet they still expect me to pay it. The recall started years ago before I got the vehicle. I feel like they should have had XXXX inspect it before selling it to me. This has affected my family. I demand a settlement of {$300.00} because this caused me to lose one of the best jobs Ive had.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On Monday XX/XX/23 I went into branch of Bank of America and opened a deposit account. Teller gave me direct deposit form and I gave to my employer on XX/XX/23 after holiday. Without any warning they closed my account on Thursday evening. No email, no phone call, nothing to give me a heads up so I can get my finances in order. My direct deposit went in on Friday. I asked for an escalation for me to get my funds from bank on the Thursday XXXX. Im a father of XXXX with bills and work very hard has a construction worker. My kids had no food all weekend. I could not feed them because Bank of America has my pay check. Its now Monday they have not had breakfast and now its looking like they wont have lunch. My daughters birthday is also tomorrow. I live paycheck to paycheck. I need my funds. The only thing the bank is telling me is I have to wait for an update from a department no one can talk too.

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 2023-05-16
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/23 I went to a Chase drive-through ATM. I put my debit card in the ATM and deposited {$420.00} cash. XXXX {$20.00} dollar bills, XXXX {$50.00} dollar bill and XXXX {$10.00} dollar bill. The ATM said take your card and gave me a receipt that said call this number to the claims department. I immediately looked on my online banking and saw the money was not in my account. I went into the chase bank and told the teller what just happened and she said they do not service those ATMs. I then called the number and they gave me a {$420.00} credit. This morning on XX/XX/23 I woke up to that credit being reversed. I called the claims department they said there was no error on their part so they reversed the credit. I finally talked to someone above them and they gave me the number to their executives office, saying they will be able to do a full investigation looking at cameras. When I called them they said I had to call the police and file a report, they don't deal with customers directly. I called the police, they said there is no crime so I was unable to make a police report. Chase has no other options for me. I need this to be resolved please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-11
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:
XXXX XXXX XXXX is reporting a collection account to XXXX   & Transunion. I have disputed the information with these companies over 30 days ago and I have not received any correspondence from them. The account in question is below : Creditor : XXXX XXXX  ( Original Creditor : XXXX XXXX Balance : XXXX Account : 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 2023-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
A year now It been a huge concern about who ever hacking into our bank accounts I was told there was an investigation but money started coming out little at a time I called I did get refund but I do believe it's happening from the Inside I talk yo agents who work from home who have not updated my account after saying yhe did our card zip code didn't match our cards fradulant withdrawal from companies. And I question the manager that one of their worker demanded pretty much my signature and whe. She hot it she didn't file it she laid it on the side I call because it was odd. And when I close the security deposit box the lady said why she qanted your signature. Because I was going in a room with another agent. And me and my husband never use checks we only us the ATM. WHAT concer n s me is we are in yhe middle of a lawsuit and we have notice some one trying to access our accounts changing bank address yo get our info sending it back to old address. I'm really concern yhe XXXX who XXXX the XXXX XXXX XXXX  and XXXX  I didn't trust her she only needed my id and card to set up appointments to access my box. Too much in this year has been happening with our accounts and no one has answers then they try blame us. We know whT we spend and have a routine. They have caught a lot of things but im concern about our new accounts think there is fraud on the inside of the bank in XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX. We been with them for years but these Agents working from home it's been a very serious concern

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 2015-11-14
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I have an account with XXXX XXXX and use their Bill Pay service. I erroneously mistypee a payment to my XXXX account instead of my Mortgage account. I called XXXX upon discovering the error and they called their bank ( Union Bank ) to refuse th epayment and trigger a refund. The sum was for {$40000.00} ( inteded for a mortgage baloon payment ). THe payment was on XXXX/XXXX/2015. I created an incident from my bank and was promised immediate refund and still have not seen the payment. I am concerned by the callousness of the bank and would like to report this as a fraud upon consumers. The call I placed was in bureaucratise declined because it was the business of the operations department. 
This references the payment from XXXX XXXX : XXXX XXXX, 2015 Claim : XXXX Payee Name : XXXX XXXX XXXX. 
Payment Amount : {$40000.00} Payment Reference No : XXXX Schedule Date : XXXX XXXX, 2015 Dear XXXX XXXX : XXXX Update for your Bill Pay claim **************************** We are writing to update you with the current status of your claim referenced above. We are committed to addressing your concerns. 

XXXX Our research ************ As part of our claims process, we are required to determine if there was any error on our part in the processing of this payment. Based on the information provided in your claim, our research has confirmed that this payment was processed with no error on our part. You have the right to request copies of documents we used to make our determination. To request copies of the documents, please contact us using the methods below, and have your claim number XXXX available. 
XXXX XXXX, 2015 Claim : XXXX Payee Name : XXXX XXXX XXXX. 
Payment Amount : {$40000.00} Payment Reference No : XXXX Schedule Date : XXXX XXXX, 2015 Dear XXXX XXXX : XXXX Update for your Bill Pay claim **************************** We are writing to update you with the current status of your claim referenced above. We are committed to addressing your concerns. 

XXXX XXXX research ************ As part of our claims process, we are required to determine if there was any error on our part in the processing of this payment. Based on the information provided in your claim, our research has confirmed that this payment was processed with no error on our part. You have the right to request copies of documents we used to make our determination. To request copies of the documents, please contact us using the methods below, and have your claim number XXXX available. 
Claim : XXXX Payee Name : XXXX XXXX XXXX. 
Payment Amount : {$40000.00} Payment Reference No : XXXX Schedule Date : XXXX XXXX, 2015The payment is with XXXX ( by Union Bank XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: Experian Information Solutions Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I XXXX XXXX am submitting this complaint without any assistance from a third party. Attached below is my FTC Identity Theft Report and full compliant. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit.

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 2022-06-04
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried to create an account at www.experian.com to manage freezes to my credit report. The process for creating an account failed. I can not fix it. The company computer refuses to let me speak to a representative. I am being prevented from managing freezes to my credit report without spending hours with these problems.

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 2023-05-16
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft there are multiple things on my credit that I need to get them removed I have to file a police report, In the information is still showing on my credit report. I need to get National Credit System removed from my professional debt, National Credit System, Professional Debt XXXX XXXX XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
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 XXXX  account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHTS TO PRIVACY 15 U.S.C. 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURISH 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 2022-06-04
Company: Nelnet, 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:
In accordance with the fair credit reporting act XXXX XXXX # XXXX has violated my right 15 UCS 1681 Section 602 States i have the right to privacy 15 USC 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: AZ
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-09
Company: Convergent Resources, Inc.
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX HI XXXX CONSUMER FINANCIAL PROTECTION BUREAU XX/XX/2021 To whom it may concern : An account with CONVERGENT OUTSOURCING has recently appeared on my credit report without me having received a call or any notice. I've never done any business with this company for them to make an alleged claim of me owing them any money. On XX/XX/2021 I sent them a letter requesting their basis of their alleged claim by showing proof of my signature on the original contract to which if they could not provide this proof to delete from my credit reports however, they have yet to respond and at the same time are still reporting this alleged debt on my credit report to the credit reporting agencies which effecting my credit. Please assist. Thank you for your help and understanding.

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 2022-06-04
Company: EQUIFAX, INC.
State: MO
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 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
Consumer complaint received 2022-06-04
Company: EQUIFAX, INC.
State: TX
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 Account XXXX  XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681section 602A states i have the rights to privacy. 15 U.S.C 1681 Section 604 A Section @ : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Respected Sir/Madam I do have an personal bank account in XXXX XXXX XXXX XXXX till date. Recently in XXXX XXXX I have opened another personal bank account in Capital One bank. Since Capital one account is a new account and had no money in that so to save money in my new capital one personal bank account I had made a XXXX transaction of amount {$3500.00} from my XXXX XXXX account to Capital one on XX/XX/XXXX. I have received an email from XXXX XXXX on XXXX XXXX saying that {$3500.00} has been deposited into my capital one bank account. But when I checked my capital one bank account I did not find an amount {$3500.00} in my account and still today that amount has not reflected/deposited into my capital one bank account. I have immediately called XXXXXXXX XXXX and Capital one bank after observing that issue on XX/XX/XXXX but I didn't get any proper response from both banks. I have made so many calls and I explained them about the issue but any of those two bank representative responded properly. So immediately I booked an appointment to meet my XXXX XXXX XXXX about this issue. I have met him and explained everything about my situation and issue I am facing with. He checked and informed me that from their end its showing that amount has been deposited to capital one bank account.I have shown XXXX XXXX XXXXXXXX my capital bank account to confirm him that the amount is not their in my account and given all details he asked for. After looking into my capital one account he also recognized that amount is not deposited into my account. Even I have raised dispute with XXXXXXXX XXXX about Transaction made but that dispute has been canceled by XXXXXXXX XXXX and when I asked reason for Dispute Cancellation they informed that since from their end transaction is showing as deposited into capital one bank account so that they can not make any dispute. Even When I called capital bank none of the representatives/ manager responded properly since from XX/XX/XXXX to till date I am calling them but they didn't help me with anything.I shared them all the details they asked for like trace number, Transactions details and everything whatever they asked for and requested to raise a case but they didn't raised a case and lied to me saying that they have raised a case. Again I raised case and they repeated the same. When I asked on XX/XX/XXXX about case status they told me there is no case created and again I gave them all details to raise a case. But they are not serious about this issue and still I didnt received my amount of {$3500.00} into my account. It's already 3 months I waited on this issue but none of this both banks helped me. Both banks are responsible for my amount and I didnt get a proper help from them. I am in urgent need of money and I sincerely need your help on this as soon as possible. I hope at least I will get help from your end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX, BBVA acquired all Simple customers. BBVA was the parent company for Simple bank - so this should have been seamless. For 5 months, Simple customers were told that on XX/XX/XXXX, all accounts would be transferred to BBVA - checking, routing, and debit card numbers would remain the same. Simple customers could not set up their accounts until XX/XX/XXXX. 

On XX/XX/XXXX, no Simple customers had access to their accounts due to errors. We never received an email from BBVA. For over 2 days, millions of people have been locked out of their accounts, cant reach customer service, had routing numbers changed without notice, had accounts / debit cards locked without notice. Ive been on hold for XXXX  hours on Saturday and XXXX hours on Sunday with no answer. I dont know where my money is, I have no access to my account or account balance, I cant deposit my paycheck, a direct deposit got returned due to a routing number change that wasnt supposed to happen ( and I cant update it with that employer because I have no access to even know what my routing number is and I cant get a hold of anybody ). All through this there is ZERO communication or information from BBVA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: SC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06
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: Information belongs to someone else

Complaint:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation