BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/2021, there was non authorized withdrawal via XXXX  of {$2500.00}, {$1000.00}, {$7500.00} from my checking account. Another non authorized withdrawal via XXXX of {$3000.00} & {$500.00} was made from my another checking account from the same bank. 
I called my bank and promised to refund me temporally why they continue the investigation but later said they can not do any thing about it

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 2022-04-10
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have purchased some items from XXXX and XXXX, however items were not as expected and returned quickly. Chase says i will be charged interest after 45 days or so after statement. There were 2 instances. 

1. Purchased lenses for XXXX. Lense was returned 20-30 days later, the merchant however instead of 2-3 days refund promise refunded a month later. Chase charged me interest for XXXX. I contacted them by online banking text message system. The response was that someone will review the issue and contact me back, saying dont contact them again, they are too busy. 
Outcome : account closed, no response, no interest reversal. 

I asked if i should dispute the charge for credit not received, or they could manually make an adjustment. No response. 

2. Second instance was when I made few purchases from XXXX. Returned most of the items, only XXXX balance remains now. And yet again they charged me XXXX interest. 
I contacted them, got the same response, that someone will contact me, but no response. 

Basically they run interest fraud, on these " premium cards '' by offering sign up bonus, and then billing interest whatever they want hoping that no one will contact CPFB and other gov agencies to investigate them, or that they will make so much, that paying small fine will mean nothing to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-02
Company: Experian Information Solutions Inc.
State: FL
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:
My attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation In accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 If the UNVERIFIED Items listed below are not deleted immediately.

Your failure to respond within 30 days of receipt of the verified letter may now result ln a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial injury

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 2023-02-02
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I called XXXX XXXX and cancelled my contract due to the XXXX XXXX XXXX never coming out to start the job. XXXX ( The company ) and XXXX XXXX oXXXX XXXX XXXX XXXX ( The XXXX ) both agreed to cancel the contract and not have it report to the credit bureaus. On XX/XX/2022 XXXX has since reported the account to the credit bureaus ( XXXX, Equifax, XXXX ). The account is reporting as XXXX XXXX account # is XXXX and XXXX # XXXX. 

XXXX XXXX opened the fraudulent account on XX/XX/2022. I have spoke with both the XXXX XXXX as well as the lender XXXX and XXXX assured me that this information would not be reported on my credit report and thatchy would cancel the contract. 

I spoke with XXXX XXXX ( XXXX XXXX ) over at XXXX at XXXX EXT # XXXX and he provided me with a case # XXXX regarding the cancellation of this loan and it should have never been reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL ACCOUNTS LISTED ABOVE VIOLATED MY RIGHTS LISTED BELOW 15 USC 1681 section 6028 states I have a right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681C ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reports containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes, which ante dates the report by more than seven years 15 USC 1681S-2 ( A ) ( 1 ) a person shall not furnace any information related to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is in accurate 15 USC 6802 No financial institution is not supposed to share my information to third-party people

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 2022-04-10
Company: AmerAssist A/R Solutions, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been disputing with Amerassist AR Solutions and XXXX and XXXX since XXXX of XXXX. This is now XX/XX/XXXX. On XX/XX/XXXX I sent a debt validation letter directly to the collection agency for the debt they are claiming I owe. I never received satisfactory tangible information that I requested which included the original bill of sale, the contract from the original creditor with my signature on it, the contract between the Original Creditor and the Collection agency for proof that they are able to collect on their behalf, and proof of licensure to collect on this debt in my State. I did not receive anything from them to satisfy my requests. After 30 days I disputed the information with the credit bureaus XXXX and XXXX. Included in my disputes with the bureau 's I pointed out the FDCPA violations that Amerassist has committed on my credit profile. One of the many violations of the FDCPA; was the re-aging of this debt by Amerassist. The debt has been re-aged by 3 years without any payment activity or promises to pay on my end ; I also showed proof that the Date of Last Payment has not been listed ; And even after the letter I sent directly to Amerassist in XX/XX/XXXX, they never updated my account to " in dispute '' nor did the Bureau 's. Amerassist has failed to provide me with the proof I requested in the allotted time frame. They have negligently reported inaccurate inconsistent information to the credit bureaus and the credit bureaus have failed to conduct a full thorough reasonable investigation since they have let such violations in inaccuracies to continue to be reported on my credit profile. This account needs to be removed immediately from my credit profile. My next step is to file a complaint with the XXXX and the FTC before finally starting litigation against Amerassist, XXXX, and XXXX for their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
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 XXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
ATTENTION : LATE PAYMENT In accordance with the Fair Credit Reporting Act Capital One # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. ( Which means my information will remain private unless I give Self Lender written instructions to make my information public ).

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. ( I request this account to not be reported on my credit report ).

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose ( According to the Consumer report there are no such thing as late payments ).

15 USC 1681 ( a ) ( i ) 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

This late payment is affecting my approval of a car and a house needed to support my family and is causing emotional and psychological and financial stress upon me and my family. Account is now closed and is paid in full. Late payments are inaccurate. 
Remove the late payment or deleted the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I recently placed an order online at XXXX, using my American Express credit card, the item was successfully delivered to me albeit the item was damaged. I reached out to XXXX to try to return the item and explain to them that item was damaged and they told me that the damage had occurred during shipment, and that they were not at fault, I reached out to XXXX, a couple of more times, and they proceeded to close my account for violating their terms with too many returns, from from there, I initiated a dispute with my credit card via American Express for the dispute for this purchase the dispute was denied in favor of the merchant, stating that XXXX had done no wrong, I informed American Express that I had received the damaged item and that XXXX had close my account and without an open account there is virtually no way to get in touch with XXXX so now I am stuck with an item that is damaged, and no physical way to reach out to XXXX to further try to return the item anymore, I dispute a charge with American Express, and was denied so I proceeded to resubmit the dispute again, and it was the night again with the same results so I was told by a friend to reach out to you guys, attached are the emails from XXXX stating they closed my account and theres no way for me to go to my account to return the item

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have had a Capital One credit card since XXXX and since XX/XX/XXXX, I have paid every month on time with no incidence until last XX/XX/XXXX when Capitol One claimed that my payment was reversed. I called Capital One several times on this issue and each time they claimed that they did not activate the autopayment on the card to pull money from my bank but they did. My card has always remained locked and thus, no money could have been taken out to be reversed. Nevertheless, I paid XXXX through XXXX with the same amount I have paid for the last 2 years and more importantly, the amount the account suggested I pay, {$25.00}. XX/XX/XXXX, Capital One then increased the amount requiring me to pay {$130.00} and I was unable to afford it. 

Essentially, the issue is, based on the money I have paid to Capital One on this one account the card was paid off several times, but I do not have access to this card since XXXX. With each payment the amount I paid is not being reduced and I still do not have access to the account. Additionally, Capital One has reported to the credit bureau as being late although I paid on time and the amount the account suggested. I calculate the amount paid since XX/XX/XXXX is about {$1200.00} and this is way more than the balance and the limit of the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Request for VERIFICATION OF IDENTITY AND ACCOUNT OWNERSHIP. 

I request Fifth Third Bank to confirm the ownership of the Bank Accounts where my money were deposited by unknown to me parties. 

I request the names of the Company who collected my checks and who deposited them ; and the names of the individual officer [ s ] who made or who authorized endorsements of the checks ( attached ) I believe that my payments were diverted and not received by the party whom I intended to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, 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:
This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$2400.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$590.00} 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 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 explanation
Consumer complaint received 2023-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
15 USC 1681 section 602 I have the right to privacy 15 USC 1681 Section604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Purchase a product online and made the payment via XXXX -- - {$260.00} -- -never received tracking information nor the product was ever shipped -- -tried contacting the business via their website, email and phone and never received any response -- -posted complaint with my bank, Wells Fargo ref . no. XXXX, the FTC reference no. XXXX and FBI XXXX. 
It appears that my bank is not doing much to credit my funds that were spent, yet they promote XXXX!! If I had used XXXX, they would have just garnished the seller 's account funds and got my money back to me!!!

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 2023-02-20
Company: TD BANK US HOLDING COMPANY
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 am in the process of applying for a mortgage and i have submitted this to the credit bureaus because i have been a victim of identity theft and they have failed to remove the accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The bank is closed at XXXX! And I walked into the bank at XXXX requesting to have access to my safety deposit box. I was denied access to my safety box by the two women in the front because they said the vault was closed. The bank is closed at XXXX, and they did not allow me access to my own fault!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: CITIBANK, N.A.
State: TN
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:
There's an inquiry on my credit report from Citi Bank/XXXX  that I did not authorize. I have reached out to Citi/Bank XXXX  several times to resolve the issue and get the inquiry removed but they will not respond.

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 2019-05-21
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:
Hello I was told that I can reach out to you all regarding a few items on my credit that is not mine. I went to refinance my loan and yes I was approved but with a high interest rate. I went over my credit with my loan officer and there are items on my credit that are not mine. I have the FTC also and I've filed a report with the police. I'm doing this on my own behalf. XXXX, XXXX and 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 2023-04-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like everything that i have asked for be removed since i have provided the requested information, and they did not have my written consent to furnish my consumer report, and do not have the right to report this unlawful incorrect information. A written consent as of the " FCRA '' i never gave written consent to any of those accounts.

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 2023-03-07
Company: Resurgent Capital Services L.P.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX. This company obtain my personal information without my consent. I have no original contract with this unknown company. They have my information illegally.

Company response to consumer: Closed with explanation