BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: VA
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:
It has been drawn out to be fraud that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$80.00} XXXX XXXX Balance : {$400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$730.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: I.C. System, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/23 I received a letter from IC Systems, on the letter in giant bold letting it says " TOTAL AMOUNT OF THE DEBT NOW : {$290.00} '' Due to some health issues I wasn't able to call until XX/XX/23. I called to try and resolve the debt expecting to pay {$290.00}. I spoke to a representative named " XXXX '' and explained to her why I was calling, I repeatedly asked to pay the debt that is on the paper they sent me but she kept telling me I owed over {$700.00}. She then told me " yeah ... sorry the wording is weird on that '' but I'm not understanding how " TOTAL AMOUNT OF THE DEBT NOW '' can be taken any other way. She offered me a settlement of {$500.00}, which I wanted them to honor the amount listed on the paper. I felt this was very deceptive and a bait and switch to get me to call in so they could get my information. I asked to speak to a manager. 

Manager " XXXX '' got on the phone and just repeated the same thing she did, " {$290.00} was ADDED to the existing debt, it isn't what is owed '' even though the paper clearly says " TOTAL AMOUNT OF THE DEBT NOW ''. I tried to settle for even {$400.00} but they wouldn't work at all with me even though their notice they sent to me was extremely deceptive and I feel like it was a misrepresentation of the debt. I can include a picture of the paper they sent me, they even acknowledged they are seeing what I see but their answer was " it's worded really weird ''.

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 2023-01-13
Company: First Technology Federal Credit Union
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened my checking account on XX/XX/2022 under a promotion with following requirements : Receive a {$200.00} bonus when you set up a direct deposit. Must be set up within 60 days of account opening and receive 3 recurring direct deposits within 120 days. 
Get 10 % of qualified purchases up to a combined total of {$150.00} ( {$50.00} maximum per category ). The three categories are : groceries, online streaming subscriptions, and food delivery. 

For the direct deposit part, I met the requirements by maintaining 3 recurring direct deposits for XX/XX/2022 to XX/XX/2022. And based on the terms of the promotion, they said the bonus should be paid out around 120 days after opening the account, so on or around end of XX/XX/2022. 

I chatted with the bank and asked for the status. Their response was as below : " This member did not maintain their direct deposit through the 120 day tracking period of the campaign. Tracking went into XXXX, the member stopped receiving direct deposit in XXXX. According to the disclosure At least three recurring direct deposits must be completed w

ithin 120 calendar days of Enrollment and direct deposit must be maintained for 120 calendar days after Enrollment. The terms above about tracking period is not in the disclosure and is totally misleading. I was under under the intent of receiving the offer upon meeting the requirements all this time. Please look into this matter.

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 2021-12-06
Company: JPMORGAN CHASE & CO.
State: MS
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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. 

They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : List of accounts to be deleted Account Name : JPMCB XXXX Account Number : XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain.

Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information. Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: MA
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:
In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX XXXX 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. 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 non-monetary relief
Consumer complaint received 2023-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Our Capital One credit cards ( both myself and my husband 's ) had a potential fraud charge. Capital One restricted both cards. We have always had just capital one ( which was a mistake ). We were travelling at the time XXXX ( XXXX ) and were left with no credit card. I requested that they overnight a new card to our hotel in XXXX since we had no way to get our hotel bill paid or to continue on our trip. They did overnight a new card which we used to check out of the hotel. When we went to the XXXX XXXX rental at the XXXX airport to rent a car the card was denied. When we called the representative they were requesting verification of identity that was impossible to provide when I was at XXXX Airport XXXXXXXX XXXX  rental counter. Once again we were paralyzed with no ability to rent a car, change our flight or check into another hotel. 
When we arrived home I sent them the necessary documents. My husband was a prosecutor and we have always had a po box as our mailing address for security reasons. They refused to accept the documentation since it did not have a residency address. I can not believe that certain customers don't have their home addresses on bills also because of security issues. You can find anyone on the internet these days and this is one way to keep your personal address private. 
Capital One 's unbending policies have lost them a customer of over 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Ive reported for years that I have never had XXXX. Instead of removing the fraud account they have marked it as closed!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRUIST FINANCIAL CORPORATION
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
have tried multiple times to resolve the inaccuracies on my credit report from this bank and no results, furthermore 15 usc 45 b -unfair methods and consumer review protection.

15 usc 1681 inaccurate credit reports directly impair efficiency of the banking system The CARES ACT prohibited late payments to be reported to consumer reports and required banks to provide relief options to consumers i was never made aware of the assistance this law provided and resulted in several late payments with multiple accounts i am requesting that these late payments be updated to current and or delete the accounts from my credit report. 

Acct :XXXX  please remove all late payments or delete acct Acct:XXXX please remove all late payments or delete acct Acct:XXXX please remove all late payments or delete acct Acct:XXXXplease remove all late payments or delete acct

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 2023-03-09
Company: JPMORGAN CHASE & CO.
State: NY
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:
JPMCB CARD has failed to send me a 1099-C pertaining to the account associated with the attached document included in this dispute. JPMCB CARD is also in violation of the IRS code for reporting charged off debt. Please see IRS reference information below : Instructions for Forms 1099-A and 1099-C ( 2021 ) Acquisition or Abandonment of Secured Property and Cancellation of Debt Section references are to the Internal Revenue Code unless otherwise noted. Who Must File File Form 1099-C if you are any of the following. A financial institution described in section 581 or 591 ( a ) ( such as a domestic bank, trust company, building and loan association, or savings and loan association ). A credit union. Any of the following, its successor, or subunit of one of the following. Federal Deposit Insurance Corporation. National Credit Union Administration. Any other federal executive agency, including government corporations. Any military department. U.S. Postal Service. Postal Rate Commission. A corporation that is a subsidiary of a financial institution or credit union, but only if, because of your affiliation, you are subject to supervision and examination by a federal or state regulatory agency. A federal government agency including : A department, An agency, A court or court administrative office, or An instrumentality in the judicial or legislative branch of the government. Any organization whose significant trade or business is the lending of money, such as a finance company or credit card company ( whether or not affiliated with a financial institution ). The lending of money is a significant trade or business if money is lent on a regular and continuing basis. Regulations section 1.6050P-2 ( b ) lists three safe harbors under which reporting may not be required for the current year. See Safe harbor rules next.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: SC
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 six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-09
Company: Experian Information Solutions Inc.
State: WA
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 continues to report fraudulent information on my credit report. Because of this, I was denied from renting an apartment due to the fraudulent information reported by Experian. This has created a hardship for me and my family. The other credit bureaus deleted the fraudulent information but Experian came back verified, how is this possible, when I sent each bureau the same information.     I sent to Experian a copy of my police report and Identity theft report on  XX/XX/2016    and also around  XX/XX/2016.

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 2022-07-05
Company: Chime Financial Inc
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2022 Chime closed my account I had XXXX in my credit builder, XXXX in my checking account and XXXX in my savings account. I was never explained why my account was closed I went thru every term and I did not violate any of them. I finally received XXXX checks. One for.XXXX and the other for XXXX I went to multiple banks, pawn shops, XXXX XXXX check cashing centers even the bank the check was from XXXX  XXXX XXXX which I live in Alabama so it was a drive. No One will cash these checks I have been told there is something wrong with the account number and that they are just not cleared. I have been going back and forth with Chime since XXXX only via email because you can not speak to a live representative if you no longer have an account which means you can not verify a check over the phone ... after over a month and a half they finally say they will reprint the checks but I only receive one this time for XXXX and they tell me.im not eligible for the refund now because my credit builder account is $ XXXX but there was XXXX when they closed my account, otherwise it would not be overdrawn at this point... they already screwed me.out of what was in my savings and out of the one check they reprinted I STILL CAN NOT EVEN CASH THE NEW CHECK!! This was my tax refund that I had deposited and since they closed my account I've lost everything, my credit card bills are past due I'm about to be evicted, I no longer have access to a car it has taken so much from me and it's not right for ppl to get treated this way. After looking online I can see I'm not the first person to go thru this same exact situation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: TX
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 unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, 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 Balance : {$0.00} XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$990.00} XXXX XXXX Balance : {$480.00} XXXX XXXX Balance : {$660.00} XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$180.00}

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 2017-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Checking account fees. I had {$9.00} available in my checking account. So I deposited a personal check to my checking account of {$250.00}. Bank of America released the funds for me to use immediately. So I used them. Two days later on   XXXX / XXXX /20  17 t he bank decided to place a 10 day hold on that check. This caused my account to now be " overdrawn. '' At this point, they charged a {$12.00} fee for transferring funds from my checking account to cover that  ( after 20 minutes o n the phone with a supervisor, I got that {$12.00} fee reversed ). There was not enough in my savings account to cover all the amount overdrawn, so after 5 days of being overdrawn, there will be a {$35.00} " extended overdraft fee '' charged that they said ca n't be reversed. From my perspective, the bank released the funds for me to use and took them away 2 days later just so they could charge me more fees and tell me there is nothing I can do about it. This feels like a purposeful entrapment policy. Also, the check is good and the funds will eventually be released. It 's just the fees I will be charged in the interim.

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 2018-04-02
Company: Shellpoint Partners, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Recently XX/XX/2018 shellpoint foreclosed on my home. I paid the account including past due fees. I paid it current to bring it from foreclosure, I had to pay the attorney fees, appraisal fees, etc. Shellpoint sent me a letter stating I owe Attorney fees and my account is still past due. I believe they are scamming me out of my money. I have requested the appraisal report, they refused to send it ... I'm not even convinced that they completed an appraisal of the property because if they did they did realize that the property ( home ) is burned to the ground. I want to know how was my money applied to the Account if everything is still past due and I still owe all those fees. Please investigate this issue.

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