BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had an account with BofA that was compromised. I notified the bank immediately and they froze that account then had me open another. Well the account that was compromised had been force closed per my statement dated XX/XX/XXXX - XX/XX/XXXX. On page 1 of 4 on the statement it states, XXXX XXXX. However on page 3 of 4 dated XX/XX/XXXX under deposits it says, FORCE CLOSE ACCOUNT XXXX XXXXXXXXNow below that dated XX/XX/XXXX on withdrawals it says, FUNDS TRANSFER DEBIT XXXX XXXXXXXX. Bank of America is saying I owe them and they are crazy. On another statement that says, FORCE CLOSE ON XX/XX/XXXX it states $ XXXX. So who owes who? Not to mention they placed me in XXXX so Im stuck with them.

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 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Chapter XXXX Bankruptcy 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 2018-01-27
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I scheduled a manual mortgage payment for {$5300.00} to be paid on XX/XX/XXXX. When the payment was not withdrawn by XX/XX/XXXX I called and asked why it had not been debited from my bank account. Chase assured me this was normal and that it would be effective XX/XX/XXXX. 

I called Chase on about XX/XX/XXXX and spoke with a rep named XXXX, who told me that the payment didn't go through. It ended up that for some reason, Chase stored a separate bank account for the automatic payments and manual payments. XXXX told me that if I made a manual payment on XX/XX/XXXX by telephone with her, that she would backdate the XX/XX/XXXX payment to indicate it was paid on XX/XX/XXXX. Had we not made this agreement, I would have made my mortgage payment on the XXXX as normally scheduled. 

On about XX/XX/XXXX, XXXX called me and told me that she was now refusing to honor her promise made in exchange for payment on XX/XX/XXXX, and would not backdate the payment. XXXX told me Chase has a voice recording that will corroborate our verbal agreement for early payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: DISCOVER BANK
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Discover closed my account because I do not want to give access to my IRS tax return to XXXX. I opened a complain here and the solution they gave me is unacceptable. Under their terms and conditions there is no mention of me providing additional information to the credit bureaus. I agreed to give Discover additional information and as I told them I can release the documents to them. If they use a third party, is not on me to provide information that such 3rd party does not have. They can close my credit card for any reason but it can not be because I will not share my sensitive information with a third party. 

In addition they said they will give me until XX/XX/XXXX to contact them to keep the account open and they reported the account closed and settled to the credit bureaus on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: SUNCOAST CREDIT UNION
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 XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 1602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: Renton Collections Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a bill from this collections agency in amount that I do not recognize on behalf of a past due to XXXX XXXX XXXX that I was not aware I had.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
For the past two days, XX/XX/XXXX and XX/XX/XXXX I have tried to get in touch with an Experian live person to get access to my free credit report. I have not frequently tried to access the account. I am trying to unfreeze my credit so I can apply for a mortgage refinance. Currently, they are denying me the ability to do that. 
Online message is " OOPS '' when I have tried multiple times. I can not get any assistance through their published phone numbers. They offer the same recording regardless of which number is called. Their is no resolution to my not having access to my " free '' credit reporting that is allowed to me by law. 
I can not wait days to mail in anything. There is no indication as to why I do not have access. 
I thought the open online access is guaranteed to all citizens by law. 
They can reach me at ( XXXX ) XXXX or ( XXXX ) XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: American Capital Enterprises, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was about a medical bill. I was admitted to the hospital because my husband and I had an 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. Then when I was at the hospital. I got treated and I am expecting my health insurance will cover the bill. But unfortunately, the coverage was out for just XXXX day. If only they have the empathy to waive the bill. I would definitely appreciate it and thanked XXXX I am alive and well after the XXXX XXXX XXXX XXXX XXXX If I only knew that my health insurance was out for XXXX day. I would not go to the hospital. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX than incur a bill and now I'm in debt because of this medical bill on my credit report. Please help and understand my situation. XXXX XXXX should have done something to get them paid. I have health insurance under the government medical benefits. If XXXX XXXX and my health insurance done their part to settle this, it would have been gone and no more dispute like this. I've been paying my health insurance consistently and diligently through my paycheck. And I will never be irresponsible of just letting this bill occur this long if I really don't have health insurance that time. I would definitely take care of it and will not harm my future as well. Thank you and I hope you would help me on my dispute.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: JPMORGAN CHASE & CO.
State: OH
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:
Chase bank opened and closed a former credit card account without my permission. This resulted in an inquiry to my credit along with my history now showing I open and closed another credit card. At no point did I tell them to open this card and their actions show they messed up by closing it the same day on their own. I have called their customer service and they confused. Their request was for me to send them a message in their internal message app. I feel as if they could be doing much more as I was about to use my credit score for a large purchase. This will impact my monthly payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
XXXX, XXXX and Trans Union are not responding to any of my requests to investigate, verify and remove accounts from my consumer credit reports that do not were opened fraudulently.

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 2022-11-16
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My mortgage loan is currently Covid forbearance, CFPB has a previous record of my complaint originally. My mortgage with BSI has reported late payments as of XX/XX/2022, my understanding was my loan would be protected from reporting late on my credit report. I spoke last week with loss mitigation about my loan and they confirmed no lates would reflect on my credit report. My score has dropped drastically. I spoke with loss mitigation last week and they are very aware that XXXX XXXX  XXXX was going to bring my account current. XXXX XXXX XXXX contacted BSI for payoff for past due balance. I also received a notification from XXXX XXXX XXXX my past due balance would be paid up to XX/XX/2022. I dont understand why BSI would report on XX/XX/2022 late payments on my credit report if I was protected? Why now, right before my past due was getting paid. They told me I was protected from negative or derogatory credit reporting. I am very disappointed and stressed out. I was trying to get a small personal loan for the holidays for my family and my credit was ruined and now I cant qualify for anything. I had good credit. I was finally going to get back on track. After loosing my job this year. Please help XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: LA
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:
Hi, my name is XXXX and I am a victim of Identity theft. There is inaccurate unknown fraudulant accounts and addresses on my credit report. I have reached out to these companies many times and XXXX was deleted and was added back on last week and i didnt receive any notice. It is the same exact account but they fraudulantly changed the dates. XXXX is has fraudulantly updated the last active date. These companies have violated my XXXX rights by notating on my credit report that these are medical accounts. These companies have mentally and physically affected my capability of finding a job due to these fraudulant unlawfal remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Equifax , Inc . is in violation of the Fair Credit Reporting Act. I have been denied credit based upon their file though I have no debts and a FICO score of XXXX. Three attempts to obtain my annual credit report on-line have been unsuccessful. A request form - with driver 's license and social security card photo copy, sent by certified mail on XXXX XXXX was received XXXX XXXX. A form letter posted XXXX XXXX informed me that my file was not available and to submit the same form request - with photocopies of the same documents!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: CA
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 sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-11-16
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXXXXXX XXXX, but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 explanation
Consumer complaint received 2020-06-04
Company: BSI Financial Holdings, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am the owner and manager of a rental single family house. I had to quickly repair a water leak in the wall that caused the two bathrooms unusable. My mortgage company, BSI Financial Services, is holding over {$11000.00} paid by my insurance company. I filled out all required forms providing proof of payment to my plumber and contractor. 
The company promised to send my insurance money to reimburse me, but never follows through. This has been on going since early this year. One of their issues deals with an inspection, which can not be done due to an elderly tenant who is very susceptible to contracting Covid-19. The inspector told me that he would not enter the house due to potential liability. 

The last time I called their Property Loss Department I was told that the department was moved and requested that I fill out all forms again. 
Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: EQUIFAX, 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 # 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 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I noticed some unauthorized inquires on my report from an account that was already paid in full and closed for over 3 years.

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 2023-06-02
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Beginning of XX/XX/2023, my vehicle was broken into. I had personal property that was stolen and my personal identity information, as well as financial information, was potentially compromised during this break-in. Fraudulent activity was identified between my Navy Federal Credit Union ( NFCU ) and another banks checking accounts. I reported the fraudulent activity with both banks on XX/XX/2023. Totaling over {$15000.00} between the two accounts. 

NFCU did not provide a provisional credit towards my account, nor did they try and contact me on the matter once reported. This caused me financial hardship which I have yet to been able to recover from. 

On XX/XX/2023, NFCU sent me a direct message through its app saying the investigation is complete, no fraud. No explanation as to how they came up with this determination. It was very frustrating. 

I am currently still going back and forth with the company about this matter. Police report has been made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: Chime Financial Inc
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2020 I contacted my bank Chime because my bank card and personal information along with other critical and important items were stolen from my car while I was home on bed rest recovering from a XXXX XXXX. I notified my bank and the vendor listed nothing has been done I have Audio of the banks own staff confessing that the bank did not fully review my information and everything I submitted had proven my case. Im very frustrated its 10,000+ missing from my account and nobody thought to freeze my account or call from the bank to confirm the spending with me the actual account owner

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2023 an international wire transfer amount of {$3300.00} plus a {$25.00} was taken by Navy Federal Credit Union. They said there was a problem with the recipients address. Keep in mind this is the third time I am sending a wire to the same recipient. I was told the wire could not be sent because of the address. I askes to cancel the transaction and have the money refunded to my account. I was told three business days. I allowed 7 business days. The funds were still not returned. I call Navy Federal they told me they can't do anything, Its up to XXXX XXXX to return the money if the feel like returning it. So they tell me I might not get my money back with no explanation of why the money is being hijacked or just taken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief