BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a payroll check on the evening of XX/XX/XXXX ( Friday ). Bank of America has typically been open on Saturday 's, and I figured I could stop by the bank to deposit the check and request {$100.00} back so that I could purchase groceries. 

Turns out many of the Bank of America branches in my area are closed on XXXX, unbeknownst to me. As a result, I deposited a {$3000.00} check into the ATM. Traditionally, I am able to take cash from the deposit, but since the branches are closed I wasn't given the opportunity to ask. 

I understand that moving into an automated and AI driven customer service engine helps save on payroll expenses, but it leaves circumstances like mine in a " tough luck '' situation, which I believe is unacceptable, especially for a financial institution that was given BILLIONS of tax payer dollars a decade ago. 

I would love to see a change in how banks handle check deposits, especially when it relates to special circumstances like mine. There will undoubtedly be more people in my situation as we move into XXXX, and it would be helpful to know that every once in a while a financial institution thinks about its customers rather than its profits.

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 2023-07-10
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:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.

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 2023-12-02
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is inaccurately reporting on my credit report. I need this to cease and desist off my reports. This company has been trying to destroy my name. Places collection account debts on my social security number without my authorization or consent. The consumer consents to whats reported on their personal credit profile. I have never done business and have no signed contracts with this company. 
There is no collateral estoppel and promissory estoppel thats I have ever used or signed with this company. 

Please stop all reporting on all credit bureaus. This is the 2nd attempt for resolution prior to legal proceedings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I was the victim of identity theft last year in which someone opened multiple credit cards in my name. They used their address or an address different than my home address. They charged on multiple cards and it is now effecting my credit. I have reported this to the companies and to the credit agencies and has done no good. The credit card company ( XXXX XXXX ) said that the address used shows on my credit report as my previous address. This is incorrect. I have never used, loved, nor know anyone who lives at that address. I have lived in the same location for over 10 year and prior to that lived in the same town for the last 20 years. The reason this address showed on my credit report is due to the multiple fraud accounts opened in my name at this fraudulent address. The person or persons also stole my social and name to open these accounts. I dont feel I should be held responsible for identity theft and fraudulent use of a card that the company was not careful enough when they issued it. The companies negligence is not my fault. 
I have attached my government ID and a police report. My id confirms my current address and by the expiration on the id it shows I have

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 2023-12-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I, XXXX XXXX, received a phone call from chase stating my business bank account has been compromised and a wire transfer for {$5000.00} has been made. After receiving that phone call, I told them let me call chase since chase never calls clients. I called the number on the back of my chase banking card, at this point I noticed the number that called me was the same number as the number on the back of my bank card. After being connected to a chase representative due to calling the number on the back of my bank card, they did inform me that a wire transfer was done for {$5000.00}. The person who is a chase representative then told me that in order to avoid over drafts you need to transfer money from my personal account to business account. Once that is completed we can do a wire recall to get the {$5000.00} back. After completing the recall I was told to wait XXXX hours and check my bank account the next day. On XX/XX/XXXX I went back into my bank account and noticed another wire transfer for {$4200.00} went out. This {$4200.00} was transferred into my business account to cover my upcoming bills which I was told to do by the chase representative. Now with {$9200.00} gone I went to the chase branch and spoke with the branch manager to resolve this issue. I was told by the branch manager since its a wire transfer, we have to contact the recipient bank to get your money back but the recipient bank may not give it back. After completing claims with chases fraud and scam department they kept telling me it will take XXXX business days to hear anything from the recipient bank. It has been 7 months now and I still don't have the funds back. I have filled complaints with the Office of the California General Attorney, FBI, and had a lawyer send chase a letter to responded back to. Took Chase a month to respond to these complaints. Chase response was that I was scammed and there is nothing I can do about it. Chase said I approved these wire transfers which is not correct. These wire transfers were not authorized by me and the scammer took over chases phone system, text message system, and duplicated chases phone numbers. I have documentation showing that the scammers duplicated chases system by text messages and phone calls. I even have claim numbers with the fraud and scam department I will attach to this document. I have information of the recipient bank which was XXXX XXXX out in Texas and account numbers of the recipient. Once I found out it was XXXX XXXX who received the funds I went down to the branch because I was told the Wire Transfer was made in my name to a XXXX XXXX bank account in my name. I do not have a XXXX XXXX bank account and when going to the branch to have them look into that account they told me I do not have an account with XXXX XXXX. Therefore, the result I am looking for is to get my funds back in order to keep my business up and running.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: NM
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:
Experian is refusing to investigate and remove 2 fraudulent/unauthorized inquiries from my consumer credit report that I was unaware of, were not created by me and were unauthorized.

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 2023-12-01
Company: LoanCare, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
For the third time this year, I requested an escrow analysis be run on my account with different information regarding my tax bill. I received my tax bill from the county and requested yet another escrow analysis ( XX/XX/2023 ) be run because the bank has my estimated taxes at over {$7000.00}. My actual bill is only {$2700.00}. Their overestimate is causing me to pay almost {$500.00} more a month then needed. I would like my escrow to be fixed and a refund for the overpayment. If I am calculating things accurately, I do believe I should be receiving a little over {$4000.00} back due to their error.

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 2021-06-10
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX continues to insist that I owe {$67.00} for medical supplies shipped out on XX/XX/2020. XXXX XXXX currently has hired the debt collection agency I.C. System to assist them in their attempts to collect on a debt that is not owed. 

My health insurance company XXXX XXXX has already made payment in full to XXXX XXXX for the services rendered. I have included the explanation of benefits as proof. 

I have made nearly a dozen phone calls to XXXX since XX/XX/2020 but the imbeciles employed by XXXX have yet to fix this issue.

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 2021-06-10
Company: AMERICAN EXPRESS COMPANY
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I got the American express prepaid card I bought it on the XXXX of XX/XX/2021 it sais {$1.00} to load monthly service fee of {$6.00} monthly the first charge on the card is XXXX i try to speak with customer service they keep intentionally hanging up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2020, I made a SINGLE purchase at XXXX for {$270.00} using the PayPal key created with My personal Visa. The PayPal computer broke up the transaction into multiple debits NOT totaling {$270.00}, but rather {$210.00}, and thus showing a negative balance in my account. I asked that they please review what went wrong and charge the correct amount to the authorized Visa. I have checked with my bank and they confirm they did NOT place any restriction on my card account with PayPal. 

Paypal refuses to correct the transactions, claiming that it was the fault of my Visa account, which as above I have confirmed with the issuing bank did not happen. 

I have absolutely NO argument with paying the {$54.00} due, but want it charged as it should have been originally to the Visa on file, showing as a payment to the merchant XXXX As far as I can tell, XXXX recorded the payment as complete so that must indicate that PayPal did indeed pay them the full amount of the transaction but could not or would not bill me correctly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: LA
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 writing to express my deep concern regarding the inaccurate information that has been reported on my consumer credit report. It has come to my attention that your agency has failed to maintain accurate records, which has had a detrimental impact on my financial standing. 

I have recently reviewed my credit report, obtained from your agency, and discovered several discrepancies that are grossly misleading and damaging to my creditworthiness. The inaccurate information includes, but is not limited to, the following : [ Specify inaccurate information, such as incorrect account balances, erroneous late payments, or inaccurate collection accounts. ] These inaccuracies in my credit report have had severe repercussions on my financial well-being. They have caused me to be denied credit opportunities, subjected me to higher interest rates, and hindered my ability to secure affordable housing and obtain favorable employment. Furthermore, I have diligently maintained a responsible financial track record, making timely payments and keeping my credit utilization low. Therefore, it is particularly distressing to find such erroneous information on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies have a legal obligation to ensure the accuracy of the information they report. Section 611 of the FCRA grants me the right to dispute inaccurate information on my credit report and provides you with a duty to conduct a reasonable investigation into the matter. It is clear that your agency has not met this obligation. 

The FDCPA states you must cease collection activity until you have produced verification of the alleged debt if so requested. As per the FTC, this includes reporting to the credit reporting agencies, which you obviously have done illegally. It is quite evident that no such proof of this alleged debt exists or you would have provided it in the previous 4 months since it was requested. Also, when an alleged debt is disputed, a notation must be entered on the debtors credit report showing the item as in dispute. Again, this was not done. Im sure you are aware of the consequences in violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act as well as the multiple violations your company is now responsible for. 

I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the XXXX XXXX XXXX XXXX XXXX. The inaccurately reported information is causing significant harm to my credit standing and financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10
Company: SIMM Associates, Inc.
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I received a collection letter for {XXXX} owed to XXXX XXXX  originating on XX/XX/XXXX. And discharged on XX/XX/XXXX. The letter claimed it was from a XXXX XXXX XXXX account. 
I did not have a XXXX  XXXX XXXX account, in fact I did not have a XXXX XXXX account at all. 
In XXXX, I opened a XXXX  XXXX XXXX account which has never has never been in arrears. 
Ive spoken with both XXXX  XXXX XXXX and they advised me to report it to all 3 credit agencies. SIMM Associates ( the debt collectors ) said they would open an in house investigation regarding letter and advised to file police report. I dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Disputed a collection account from XXXX XXXX XXXX through all three credit bureaus. The collection was owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX from unpaid electric bill attached to a leased residence that belonged to a family member, that I had never resided. 

I disputed the same collection account with XXXX, XXXX XXXX XXXX, and the credit bureaus, with only XXXX removing the collection from my respective credit report with them. XXXX did see that my family members name was indeed on the account as the one leasing the residence and considered it resolved. Although I continued and attempted to pay the debt, I still wanted the collection removed from XXXX or TransUnion, or at least move the collection to the family members report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04
Company: EQUIFAX, 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:
When I brought a copy of the FTC report, it was determined that credit bureaus are not obstructing records. Because it is required by FCRA regulation 605b, I am sending this Complaint to assist in laying out a legal response. If you choose not to impede the following items listed beneath they are responding incorrectly as a result of fraud. The following items must be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$7300.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$7300.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$660.00} XXXX XXXXXXXX Balance Owed : {$710.00} XXXX XXXX XXXXXXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXX Balance Owed : {$570.00} XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$630.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$120.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
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:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-12-07
Company: ENCORE CAPITAL GROUP INC.
State: NY
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 have a disputed this credit account with you before and it has been taking off my XXXX and XXXX reports but the XXXX reflecting on my XXXX and like I've said before this isn't that my account I have no knowledge of this account at all and it is already been taken off two of the three accounts with the bureaus I am extremely upset it's still on the one which it should not be and I am about to sue if it's not taken off immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Reached out to Capital1 asking for an interest rate decrease. I currently have 2 cards with them. I have a good credit score and always make payments on time.

My request was denied. When I asked why I was not eligible they said it was because I didn't meet the criteria. I asked for the criteria. I was told by the agent that they do not have access to the criteria needed for an interest decrease. How am I supposed to play the game if I do not know the rules, and the person representing the company also does not know the rules. 

Interest rate on card 1 ( XX/XX/XXXX ) 26.99 % Interest rate on card 1 ( XX/XX/XXXX ) : 28.49 % Interest rate on card 1 ( XX/XX/XXXX ) : 31.99 % How is that not an " unfair rate increase ''? ( CARD Act of XXXX ) Interest rate on card 2 ( XX/XX/XXXX ) : 29.74 % Both cards ' rates are calculated using the Prime Rate + margin so I don't understand why the rates wouldn't be the same. 

None of my questions were answered. I was never given a reason as to why I was not eligible for an interest decrease, and I was never told what I could do to insure I would one day be eligible for a rate decrease.

My credit score has only increased since opening the accounts, and so I really don't understand.

I have transcripts of my conversation with the Capital 1 Agent that I have attached.

Also, does usury caps protect me from credit card rates? I'm in NJ and there is a usury cap of 30 %. 

Thank you so much, XXXX

Company response to consumer: Closed with explanation