BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: IL
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:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : ACCOUNT : XXXX XXXX XXXX  ACCOUNT : XXXX XXXX XXXX  ACCOUNT : XXXX XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX Account XXXX ACCOUNT : XXXX XXXX ACCOUNT : BANKRUPTCY XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
During the pandemic I lost my job and couldnt make the monthly payments on my credit card. I tried to postpone the payments until I got a job again and it was postponed only for a month which wasn't enough time. This cause my credit to lower and thus is now causing even more hardships.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items ( Bankruptcy ) on my credit report. It has been over 30 days and I have not received any investigation results.

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 2023-10-10
Company: Kriya Capital, LLC
State: PA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Yes this account was in litigation. I took them to arbitration to win in default and the amount XXXX was {$500.00}. This company has not taken this account off my credit report the whole time it was in litigation. They have violated my rights as a consumer. This account should not be showing on my reports if I won in litigation. Credence Resounce Mana should not be on my credit report they have violated my rights I took XXXX XXXX XXXX to litigation yet again

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting 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 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 XXXXXXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX XXXXXXXX : # 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 the 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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 2021-03-15
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I deposit a check they wouldn't let my check be deposited in timely manner I would like this issue to be resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Collection Management Services, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I consumer XXXX XXXX reviewed a copy of my credit report and understand that Collection Management Services is violating my rights by trying to collect an alleged debt that they are trying to defame my character by placing it on my credit report. You have every right to this alleged debt but I did not give you permission to have my personal information. I will not continue to allow my right as a consumer to be violated. Under 15 USC 1692, I have laws that protect me as a consumer. This company has violated these laws and I am demanding a remedy and deletion of this account. 15 usc 1692 a ( abusive practices 15 usc 1692b communication by post card 15 usc 1692 c communication 15 sc 1692d harrassment 15 usc 1692e false or misleading representations 15 usc 1692 f unfair practices

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 2023-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
To whom it may concern : On Saturday XX/XX/23, I received a check from my attorney for {$14000.00}, and I made the deposit at my local Bank of America BrancXXXX here in XXXX, Co. The gentleman informed me that a third of the funds would be available on Tuesday XX/XX/23, but that never happened. I later discovered that my bank decided to place a longer hold on the check that was issued to me to be available on XX/XX/23 when the check was made by my lawyer who's bank is locally here in XXXX as well. Moreover, I spent hours calling their call center, and they kept hanging up on me, and so I decided to go to another Bank of America branch near my house, and they told me that I needed to go back to the original location where I deposited the money, and they can release the hold. Well the following day I did that, and that branch told me that they can not do anything, and I needed to contact my lawyer to place a stop payment, and have him reissue another check to me to cash it at his bank. Well that didn't sound right to me, so I contacted my lawyers Bank : XXXX XXXX, and they informed me that Bank of America had already taken the funds, and the check cleared on XX/XX/23. Afterwards, I went to another Bank of America, and their XXXX wasn't helpful at all, she said it was a federal offense for her to have the hold removed, and she can only help me this time which made no sense to me at all. Then I gave her my debit card and my drivers license, and she said she will verify the check for me by contacting XXXX XXXX. Well after wasting an hour at that Bank of America branch, she told me that XXXX XXXX  refused to verify the check, and there was nothing she can do to help me. 

Finally, Bank of America has wasted my entire week giving me false information, and misleading me due to them not caring about my needs by cashing a check that had already cleared on XXXX, and I believe that there is no reason for them to hold my check for XXXX weeks when my check had already cleared XXXX days after I deposited the check into my account. I feel like they need to be held accountable for lying and misleading me, and for doing malpractice in banking. After all of this, I don't feel comfortable doing business with Bank of America ever again, you can also look at their reviews it's horrible

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 2022-10-27
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
on approximately XX/XX/2021 I called Experian and spoke with XXXX and noticed Experian has added somebody else 's address in my credit rfile, I told by XXXX that are on my file is inaccurate she told me she will not remove them and then hung up while i was still on the line. Experian is violating the provisions of the FCRA

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 2021-03-16
Company: OneMain Finance Corporation
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
My contract says late payments will only be charged a {$15.00} late fee with no interest added. While making a phone payment to XXXX XXXX ( in S. Carolina ) he told me the company had changed my account from a fixed interest to a compounded interest and 'I had to lump it and there was nothing I could do about it, I just had to pay up '. He also stated they could do anything to me they wanted. Today I paid the last payment on my contract and they said I still owed {$1400.00} in payments. Enclosed are copies of my contract and a copy of my payments from the start of XXXX to XXXX. I have continued making payments till present. I have been told repeatedly I am up to date on my contract. Almost every month there was a new way of charging more money outside the outline of the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently was notified by XXXX XXXX that i got hit with a hard inquiry from XXXX/XXXX XXXXXXXX i never applied or authorized anyone to do this. I would like this removed off my credit report. It was fraudulent activity to best of my knowledge. I have no knowledge of it. I never went into there store. They are saying XX/XX/XXXX. That is inaccurate have not even been inside a XXXX since covid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03
Company: Professional Receivable Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was a member of XXXX XXXX for a few years, in XX/XX/XXXX I had to cancel my credit card due to fraud. My XXXX XXXX fee was autocredited, they had contacted me and we worked this out. I cancelled my membership in late XX/XX/XXXX and had not heard anything from them in writing, by phone and email. All of the sudden in XX/XX/XXXX I am getting emails from XXXX XXXX of Professional Receival Solutions, then he also contacted my father. I called him and he continued to give me personal information that he should not know but told me he has " skip tracing '' and this is how they found my father and personal information about me. I asked him to give me the information XXXX XXXX sent them and he would not, he also told me that if I contacted XXXX XXXX they would not speak to me. Then I received an email from him with threats. I am very upset about this situation as I handled this issue and never heard another word and now 3 years later he is threatening me and telling me to find information from 3 years ago? I would at least expect to see the information from the debt collector showing I did not take care of my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: LEXISNEXIS
State: OK
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: Information belongs to someone else

Complaint:
My social security direct deposits will not go into my bank account because LexisNexis has a death record on me in their file. When I discovered that the social security administration ( SSA ) had mistakenly declared me deceased in their death master file I immediately cleared that up with the SSA. Of course I also began the arduous process of notifying everyone else that I could think that needed to know most especially my bank. Still my SSA payments were being rejected. Neither the SSA nor the XXXX XXXX XXXX XXXX XXXX  ) could understand why. It took some time to realize the reason was LexisNexis. On XX/XX/XXXX I sent everything that LexisNexis required to launch a dispute. On XX/XX/XXXX I was told by XXXX a LexisNexis agent that the dispute was resolved on XX/XX/XXXX and that I was no longer deceased in their records. XXXX told in 7 to 10 days I would receive a letter to that effect and my consumer report. The problem is that I am still deceased on their records. I know this because the agents at XXXX tell me when they check out my social security number with LexisNexis I am deceased. At first LexisNexis argued that it just couldnt be because they had removed the death record. Finally on XXXX XXXX a supervisor admitted they did not delete everywhere. She told me that she would personally walk this issue through with her technical people. I told her I would give her XXXX business hours to correct it. Yesterday XXXX  that was up, I called to speak with her and was told she would call me back she did not. This is the evening of XXXX I think XXXX hours business hours was reasonable considering, I first gave LexisNexis all they needed on XX/XX/XXXX. I checked with XXXX late today and they tell me I am still deceased according to LexisNexis. They also tell they can not continue checking for me. This is more than I cant get my XXXX direct deposit. What chance would I have of getting credit if Im reported deceased? I have attached the part of the consumer report that LexisNexis sent to me on XX/XX/XXXX the one that was supposed to prove resolved. Clearly on page XXXX there is my death notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have been trying to transfer my mortgage proceeds out of my checking account and into a savings account at a different bank. I was able to transfer roughly 85 % out to this separate account, but have spent the past week trying to get the remainder out. Each time I try to transfer, Chase cancels the transaction and deleted the account from my approved transfer list. Each time I have called chase and they have told me I need to use a wire transfer, which incurs a fee. They have repeatedly told me the only way to get my money out of the account is to pay this fee. 

Ive spent over 2 hours on the phone with them in the last week and they have not been able to tell me what the issue is- they just keep repeating that I need to pay the wire fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TD BANK US HOLDING COMPANY
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Received an email today from someone/company XXXX XXXX saying a credit card application with them had been received. 
I did NOT apply for any credit. 

I called their tel number, XXXX and their voice prompts kept asking for the last 4 digits of my Social Security number! I think this was a scam to get me to divulge! 

I can forward the original email from them to you right away. 

There have been other recent attempts to open other credit accounts, so I think I am a victim of ID Fraud. 

Please help if you can. 

XXXX XXXX XXXX, MI XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15
Company: Amcap Investments, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
AmCap Mortgage decided to raise my mortgage payment, even though I have not had any shortages in my escrow account. I do not agree with their calculations. When I contacted them to ask my options, I was told to send a letter to close my escrow account, of which I did. I received a response back that I can not close my escrow, so why would this be suggested if this wasn't an option? I have been awaiting a return call from a Supervisor for 4 weeks. Still waiting, no one has a clue, the person who I need to speak to never answer or returns my call, this is ridiculous. This Company is a joke, they increase my mortgage during a pandemic, it has already been difficult to make payments at my original amount. To increase my mortgage just because they say so without any form of dispute or resolution options should be illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 writing to express my profound frustration and dissatisfaction with the numerous attempts I have made to remove fraudulent items from my credit report. These fraudulent entries are adversely impacting my credit score and overall financial well-being, and despite my persistent efforts, they remain on my credit report. 

I have diligently reported these fraudulent activities to the respective creditors, provided police reports, and submitted identity theft affidavits as required by law. However, despite my numerous attempts to rectify these errors, these fraudulent items continue to mar my credit history. 

I kindly request your immediate attention to investigate and rectify these inaccuracies on my credit report. I expect a thorough review of the information I have provided and prompt resolution of these errors. I also request written updates on the progress of this dispute and the results of your investigation. 

I understand the importance of accurate credit reporting and am committed to restoring my financial integrity. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ) and am prepared to take any necessary legal actions to resolve this matter if these discrepancies are not corrected promptly. It is my hope that such actions will not be required, and that we can work together to rectify these inaccuracies as soon as possible. I am asking for your immediate assistance to remove the following fraud items in my credit report : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief