BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-09
Company: Experian Information 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: Old information reappears or never goes away

Complaint:
I pulled my credit report recently and I have information that is inaccurate. I wasnt also able to pull my XXXX and XXXX. This is the second report that I have filed cfpb.com has supposedly lost the first filing i have spent 2 days on the phone even receiving a email from you to send a respond and I did and still no respond. So I am filing again. 
My name is spelled multiple ways and there are several addresses which will be listed below that do not belong to my possibly a relative or the information numerically are incorrect. I have multiple phone numbers on the report which are not mines. Accounts that should have been included in my bankruptcy that are not. And multiple hard inquires that I have not done business with that need to be removed this is a serious error and its costing me thousands of dollars in interest fees and denial letters because of inaccurate information and not properly reporting I am in distress the items listed below need to be removed immediately. 
addresses : XXXX XXXX XXXX XXXX # XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX IL XXXXXXXX XXXX XXXXXXXX XXXX XXXX MT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXX XXXX XXXX XXXX XXXX IL telephone numbers that are inaccurate : XXXX ) XXXX XXXX ) XXXX employers that are incorrect : the XXXX XXXX and XXXX need to be removed accounts that are inaccurate : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX HASNT BEEN REMOVED SHOULD HAVE BEEN INCLUDED IN BANKRUPTCY CHAPTER XXXX BANKRUPTCY IS FILED INCORRECTLY ITS NOT INCLUDED ALL THINGS THAT WERE PAID AND AGREED UPON 13 HARD INQUIRES AND 9 OF THEM I HAVE NOT DONE BUSINESS WITH AT ALL OR HAVE NO KNOWLEDGE OF 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 non-monetary relief
Consumer complaint received 2022-11-18
Company: JPMORGAN CHASE & CO.
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, we rented a XXXX in XXXX and paid cash for the day rental. My Chase Card was held for any incidentals.What we hoped to be a day of fun turned into a nightmare on vacation. We were provided with a rusted XXXX with low air in the tires and bad brakes. This company scammed us out of {$4000.00} after we returned the XXXX claiming countless items of damage. 

1 ) Yes, we signed the agreement, however the agreement stated that we have reviewed the price list. No price list was provided and when we asked about it, they said they don't even have a price list. 
2 ) The XXXX was rusted through - shown in the photos. This rust can't and isn't caused by us. The damaged cage was already rusted and broken by the time we received it. 
3 ) The XXXX team sent a bodyguard to force us to sign the {$4000.00} credit card slip. In a XXXX  XXXX  we determined it was safer to sign then to involve the police. We figured Chase would take care of us in these situations. 

The company ignored our requests for pictures/videos/receipts of the damage after we were told they were going to send it. A picture of the text messages is attached. The cherry on top is we overpaid in cash and I was told they were going to give us cash, they took our {$20.00} cash too. 

-- My complaint to chase is the dispute was closed without our side. The contract stated we reviewed the price list but not only were we not provided with it, the charges indicated are predatory. Some help here with a credit card company that I've depended on for years would be helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2021-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX I will deposit {$640.00} per car teller at Bank of America XXXX XXXX XXXX Fl. And the teller snapped and reflected {$300.00} nothing more. I notice the teller machine that will notify me of bank fraud, park me, call, they were left to resolve. As of today, XX/XX/2021, I have not received any response, they say be patient, they left my money frozen, the one that had deposited {$300.00} and those that I deposited that day. On XX/XX/2021, my taxes entered even with a closed account, they received them, they kept the money and they do not want to return it to me by check or other form. XXXX XXXX filled in my taxes, I sent the money to them at Bank of America, now they help me, they complained they don't give him information and they told him they had no information. What to do? I have a balance in that bank of almost {$1500.00}, it is my savings, I ran out of money, they have not been kind, they do not mind solving this.

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 2020-12-25
Company: Capital Accounts, LLC
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: Investigation took more than 30 days

Complaint:
I received letter from capital accounts under account XXXX on XX/XX/XXXX for creditor XXXX XXXX for pay balance of {$320.00}. 
I went to get one XXXX XXXX on XX/XX/XXXX. I and my insurance paid them full admissible account of XXXX XXXX. 
After year end, they send my balance {$290.00} showing that they also XXXX  XXXX XXXX during this procedure of XXXX XXXX which was rejected by my insurance that XXXX XXXX is only done when XXXX XXXX. I was also in strong anesthesia and do not know if they XXXX XXXX. I questioned XXXX office that why no approval was obtained from me nor admissible, they simply replied sorry. 
I called and send numerous request to Capital accounts that XXXX XXXX is not done by any XXXX when we go to XXXX XXXX. Verbally they always agree with my submission but looks as part of their paid service they send this debt to credit records. It will not be out of place to mention that this XXXX has mostly been overcharging than admissible amount allowed by my insurance which was brought to the attention of Capital accounts. In nut shell XXXX has been charging me by unfair means. 
Kindly arrange to help as no XXXX XXXX is done by any XXXX  at his own when any customer goes to XXXX XXXX. 
With kind regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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 2021-03-09
Company: Experian Information Solutions Inc.
State: MO
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: Other problem getting your report or credit score

Complaint:
I contacted Experian in the first week of XXXXbecause I have been unable to acquirea score for months unlike the other two bureausto populate online. The first representativeI spoke with in the beginning of XXXX informed me I needed a trade line ( which at the time I had a small trade line already reported and active ) but to follow her instructions I acquiredan additional XXXX trade line that I have verified has been reported and Experian is showing the amounts on the report but not my Fico Score itself. So I contacted them again today. I have been on the phone with their " customer service '' department since approximatelyXXXXtoday. I spoke with another representative that stated if I were to enroll in Experian Boost my score would populate immediatelyso of course I did that as well. Boost populated 5 accounts with excellent payment history going back to 2019 but of course still no score was available. So I once again contacted Experian, after being on hold and hung up on twice I finally connected with XXXX who transferredme to her supervisor XXXX. I requested XXXX ID # or a reference # for the call and was refused on both counts ( the only info he stated he would provide was XXXX a membership supervisor out of XXXX XXXX or XXXX XXXX ) I was then told that ALL the information I receivedfrom the previous representatives was incorrect and there was nothing he could do to assist me. At which point I requested XXXX XXXX supervisor because I had been on the phone for hours and told at least 3 or 4 different answers none of which were accurate or helpful. XXXX refused his supervisor stating he was the highest person I was Allowed to speak with. Not only is this entire experience and lack of the representatives knowledge and customer servicefrustrating but this is hindering me from acquiringfunds trade lines and possibly my home I am attempting to acquire during a pandemic is not only unacceptable but extremely unethical.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: VW Credit
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I would like to file a complaint regarding my car lease with Audi Financial Services, which is based on the following terms : On XX/XX/2023, Audi XXXX XXXX made a payment of {$55000.00} and some dollars to Audi Financial Services on my behalf to end my lease as they were taking early possession of the leased vehicle. Audi Financial Services subsequently sent me emails confirming that my account was settled in full. Additionally, on XX/XX/2023 XXXX XXXX mailed me a final statement of accounts confirming that no amount was due ( no excess wear coverage either ) on the lease and reported the account as closed to all credit agencies. 

It is important to note that Audi XXXX XXXX took possession of the leased vehicle on XX/XX/2023, and it has remained in their possession since then. Despite this, today, I have found out that Audi Financial Services re-instated my terminated lease without my authorization and I now are attempting to charge me again a monthly amount of {$1100.00}. When I contacted Audi Financial Services, they informed me that on XX/XX/XXXX, Audi XXXX XXXX called to withdraw the check and stated that the car was in my possession when, in reality, the car has been in their possession since XX/XX/2023 ( I have videos to support this ). 

Audi Financial should fine methods to request the owned money from Audi XXXX XXXX, and not me. 

I want this situation to be investigated, and the incorrect charge on my lease account to be corrected back to closed and with a XXXX balance, as Audi Financial Services can not open a new lease without my authorization as the original lease was terminated and closed as paid. This situation is highly concerning and requires an immediate resolution. 

I hope that the CFPB can take action to resolve this issue. I appreciate your attention to this matter and your assistance in resolving this situation. 

Vehicle info. XXXX XXXX XXXX XXXX. 
XXXX account number : XXXX Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: Consumer Portfolio Services, Inc.
State: MO
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:
Consumer Portfolio Services is reporting an Account on my XXXX Report without my Consent. XXXX and the Reporting company known as Consumer Portfolio services is obligated by the FCRA to report accurate accounting. Consumer has advised that ALL the Inquiries reported was Fraud said company have 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed Authorized by the Consumer, XXXX has 15 days to provide me with the name ( XXXX ) of the person spoken to, documentation used, signed application with consumer wet ink signature. XXXX is NOT asking for an XXXX Report. If XXXX does not have documentation to show these were in fact authorized it must be removed ASAP. SAID company is Liable under SEC to follow certain rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: DISCOVER BANK
State: NY
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:
The following financial institution listed below is illegally disclosing, thru their affiliates, non affiliates, third part affiliates and non-third party affiliates, my personal information. 
Under Congress law 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent.

In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer that : Part a : as a consumer, any financial institution wishes to disclose my information, I have to be notified, either via phone, electronically or by mail. AND IT MUST ALSO COINCIDE WITH Part B ; before a financial institution discloses my information, I have to say yes or no. And finally, it must also coincide with part c : if I say no, I am to be given all options in securing my rights to ensure that they dont report my information before such actions are taken by the financial institution.

And lastly, under Congress law 15 U.S. Code 1681a, part ( 2 ) Exclusions. the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions ( late fees or charge offs ) or experiences between the consumer and the financial institution, unless authorized based on Congress law 15 U.S. Code 6802, parts A, B, & C. I did not authorized or agreed for these financial institution, or otherwise to disclose any of my transaction history with any third party of any kind, that includes consumer reporting agencies. Most importantly, I was never contacted by this financial institution and given the choices liste
d above ( 15 U.S. Code 6802, parts A, B, & C. ) My rights as a consumer, Under the Fair Credit Reporting Act ( FCRA ) a consumer report ( CR ) is any written, oral, or other communication of any information bearing on a consumers creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for : ( i ) credit or insurance to be used primarily for personal, family, or household purposes ; ( ii ) employment purposes ; or ( iii ) any other FCRA permissible purpose ( Section 1681b. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
bank of America someone stole around XXXX dollars from my edd card, I desperately needed that for bills. bank of America keeps saying they will help and but nothing happens. I have been trying for two months to get my money back. when I call the claims department which takes hours to get someone. they say they will return the money, that I'm not at fault, but what actually ends ups happening is they just close the claim.- never received anything in the end timeline of events- 1. I call - agent says claims will be escalated- received a letter -no fraud case closed 2. I call again- agent says it was a mistake, reopens the case, the claim will be made a priority and I will be getting my money back - weeks go by they close my case nothing happens 3.I call again. agents say they will escalate my claim again - but nothing happens again

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 2023-03-01
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Wanted to get a loan for about up to XXXX they told me Ill get approved but I was denied.False advertisement then I went to the bank and filed a complaint.I was told its nothing we can do!!! you was denied cause account was open long enough

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 2023-03-10
Company: JPMORGAN CHASE & CO.
State: MS
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:
I was checking my credit report and I have unauthorized credit inquiries on my credit report that needs to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
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 is refusing to block fraudulent tradelines appearing on my credit report in violation if FCRA 605 ( b ). I have sent the required documents as described in the aforementioned law, Experian has no evidence to refuse a block under said law, and it has been longer than the 4 day time-frame in which a block is required to be implemented by law. Experian is now in willful noncompliance with the FCRA and is subject to the penalties described in 15 U.S.C. 1681n. 

It is shocking and appalling that a supposed reputable company operating within the United States would conduct itself in an overtly illegal manner as if it were not bound by federal law. XXXX  must block the fraudulent accounts that appear on my credit report lest they wish to face a lawsuit

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 2020-12-27
Company: EQUIFAX, INC.
State: LA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that if failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cost me. My information was also impacted by the Equifax data breach and may have got into the wrong hands of the wrong person.

Company response to consumer: Closed with explanation