BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-09
Company: EQUIFAX, 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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I answered an ad on XXXX for a rental property in XXXX CA. After several phones calls, texts and faxing rental agreements I was instructed to pay the XXXX dollars needed to secure the property. I was told i could only to do it by XXXX, which i had heard of, but never used. After he confirmed the payments ( XXXX transactions= XXXX {$1000.00} and XXXX {$500.00} payments, i was told to meeet his attorney at the property to receive the keys. When i arrived at the property, no one there to hand over the keys. There were XXXX other people there to receive keys promised by the same person. I contacted him immediately and was told he his attorney was running late. I confronted him about the other people waiting to do the same thing as me, and he said he would call me back immediately. That was Saturday XX/XX/22. He hasn't responded to dozens of calls and texts. I've filed reports/complaints with Bank Of America XXXX FBI ( XXXX by XXXX ) XXXX the HOA of the property, XXXX ( he has all my personal information ), Social Security XXXX XXXX, and CA Attorney General. I have since learned that BofA owns a portion of XXXX. That sounds illegal and unethical. I'm sure that there are hundreds of people that fell to the same scan as me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
Ive been a customer with Capital One since XX/XX/XXXX. I started out with a secured account and was offered an unsecured account. I got the XXXX account and within six months my limit was increased due to good payment history. In XXXX, I had identity fraud on my checking account with XXXX XXXX and it was restricted by them after my payment was scheduled, so XXXX XXXX blocked all incoming and outgoing transactions. Capital One tried twice to pull my money out of my account, but XXXX XXXX rejected the transaction twice so Capital One restricted my account and closed it. 
I decided to open a Capital One 360 checking account with a balance of {$250.00} and figured that would be easiest to make payments from this account. The account info provided by the representative on the phone with the 360 department was incorrect. They provided me with my savings account number instead of checking, and thats the information I used to make a payment with Capital One. The payment was returned and Capital One didnt notify me again. I called in to let them know it was a mistake and showed them my positive balance in that account, again to a representative who didnt care to hear more. I then uploaded secure documents to the online portal for them to do an investigation to determine if my account can be reopened. 


This is after years of exceptional payment history and no returned payments. I provided Capital One with proof from XXXX XXXX that it was their error, and a bank statement showing my account balance that was sufficient enough to cover the payment, but XXXX XXXX restriction is the cause of this. Capital One didnt give me a chance to make the payment again, didnt alert me that my account was closed and theyre making me jump through hoops to see if my account can be reopened. Theyre telling me that theres no guarantee my account will be reopened even though I had no control over this situation. Their fraud department is a joke and they dont advocate for the customer. Im disappointed because Im XXXX and this will mess up my credit rating, as well as cause me to move to another company if my account is not reopened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 

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 explanation
Consumer complaint received 2022-12-06
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:
My name is XXXX XXXX and I have been a member with XXXX for 2 years. I recently had a mix-up with them regarding a late payment that I contacted them to resolve. In XXXX of 2022 I got a notification from a credit monitoring service that I was on the verge of having a late payment with my card ending in XXXX. This was highly unlikely as all of my credit cards are on automatic payments. I quickly reached out to the company and spoke to a representative that told me that I didn't have auto payment on that card and that it had reverted to a new account that had been opened. I was confused because I had never opened a second credit card and never applied for XXXX. The representative helped me close the account and reinstitute my auto pay assuring me that the late was just a warning and would not get a late payment since I had taken care of the payment already. I asked them multiple times to ensure that I was in fact not going to have a late show up on my credit report and A few days later I did in fact get a late payment reported on my credit report so I reached back out to XXXX for help and they started an inquiry and according to their findings didn't see anything wrong. I believe that not only did they open an account without my knowledge they also lied and told me that this would be resolved because of a mix up in their system. 

But in accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name # 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 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 explanation
Consumer complaint received 2021-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On or about XX/XX/2021 I attempted to pay off the balance off my car loan in settlement of the entire debt, after getting no resolution form the agent, supervisor or manager, I asked to speak with the department head of the loan department. I was told that I needed to get a call back that was scheduled to be returned within 24 bto 48 business hours and that was the only way to speak with them. I never received any return phone call from the Bank of America Car Loan Department head, and I again made another call on or abpout XXXX XXXX. I again spoke with an customer service agent, a supervisor, and a manager and was again told that another call back would be scheduled and I would receive a call back from the department head within 24 to 48 business hours. i NEVER RECEIVED A RETURNED CALL. All of this time the bank allowed the interest to accrue on my debt daily, while I waited in accordance with their policy for a return phone call that never came On or about XX/XX/2021 I went into a bank branch and addressed the issue to a branch manager, who stated all she could do was put me on the phone with a car loan person, I again spoke with the car loan agent, then a supervisor, then themanager, but this time the manager transferred me to a person whom identified hiomeself as the car loan director. After some discussion he indicated that he would credit the payoff as being made on XX/XX/2021 since the banks failure to contact was their fault, and I notified him I would deposit the funds into the bank account to pay the balance. On or about XX/XX/2021, the same day, I deposited the funds into bank, and paid the entire balance of the car loan at the teller window. I was charged interest rate for XX/XX/2021 - XX/XX/2021, despite the fact that I paid the balance IN FULL on XX/XX/2021. The bank then took two days ( until XX/XX/2021, to credit my account. Even though the bank posted my payment on XX/XX/2021 ( When it was actually paid on XX/XX/2021 ) They still charged me and forced me to pay daily interest for XX/XX/XXXX - XX/XX/2021 in my final payment. I demanded that the clerk give me an accurate account of the bill, and the same day pay off amount but she stated it was nothing that she could do as the payoff amount through XX/XX/XXXX was what she showed in the system. I subsequently called bank of america again, and again spoke with a customer service representative, and supervisor, and magaer and was again told that I would receive a callbak which never came.

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 2020-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX  was removed on my Transunion Report but is still showing on Transunion 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 explanation
Consumer complaint received 2023-01-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX 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 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 XXXX 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 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/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 2022-02-07
Company: Maximus Education, LLC dba Aidvantage
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
When I finish studying at XXXX XXXX my Student Loan was only {$30000.00} debt. Now my Student Loan Debt is {$68000.00} This is too much money. I signed up with a company and now I am going to start paying {$190.00}. I would like to see the possibility of my Student Loan to be only {$30000.00} and not {$68000.00} This is a Student Loan Abuse!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I originally mailed my credit dispute letters to XXXX, XXXX, & XXXX  on XX/XX/XXXX. 

I am disputing the following items with the alleged amounts below : 1 ) AD ASTRA RECOVERY SERVIC - {$2200.00} - XXXX XXXX 2 ) XXXX XXXX XXXX- {$200.00} - XXXX XXXX 3 ) XXXX/ XXXX  XXXX  XXXX XXXX {$220.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} - XXXX XXXX My dispute letter contained the following details : To Whom It May Concern : Upon checking my credit report, it has been notified that there are negative and inaccurate  information shown. I have no knowledge of these accounts. 

Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature, validating claimed debt by proof of your legal right to collect, an accurate accounting of the amount, identity verification such as ID, Social Security card, voice recording and a copy of the original account agreement or a signed copy of your original contract. 

If this verification documentation can not be provided I would kindly like for this information to be deleted off my consumer credit report. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section, and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$3000.00} per violation for : Violations of the Fair Credit Reporting Act ( FCRA ), Violation of the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: RIA FINANCIAL
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2022, I initiated a funds transfer of {$1000.00} ( XXXX XXXX XXXX ) to my family in XXXX XXXX. I had used XXXX XXXX many times before with no problems. The money was schedule to arrive in XXXX by XX/XX/2022. The money still hadn't arrived by late the following week so I contacted the company. They said there was a problem with their local affiliate and that the transfer had been cancelled by them. I told them to immediately refund my money. That was over a week ago and I still have not received a refund, nor has my recipient received the transfer. 

One of the documents I attached from the company 's website shows the transfer was completed, but it was NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: WELLS FARGO & COMPANY
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Chase levies an automated late fee on my XXXX XXXX XXXX because it fails to credit payments as advertised, the same day that they are made, when they are paid electronically directly from my JPM checking account. When asked about this failure before and when I complained in the past about this, Chase claimed that it automatically issued a credit to offset the late fee. 

I just looked at my credit card account online and Chase is failing to do what it claims it does. While it has an automated late fee debited to the account, no automated credit made simultaneously is being made. As I indicated in previous CFPB complaints about this card, Chase rapidly debits the account while credits lag behind, if they are made at all. 

An electronic payment of {$440.00} was made from my JPM checking account on XX/XX/2019. This was the payment due on that date. Nevertheless, a late fee of {$25.00} was debited to my account on the same date with no credit made at the same time to offset it. 

Why is Chase allowed to automate phony debits and lie about issuing offsetting credits? Credits are not automated and tied directly to phony debits, as Chase claims. 

Why is Chase allowed to falsely advertise that payments made between two JPM Chase accounts are credited the same day that they are made? This is a multi-national, multi-billion dollar company. Why does the CFPB tolerate tiresome, hackneyed " back office '' excuses from such a company that will not invest in lawful automated systems? Why is the CFPB complicit with Chase ripping off millions of US citizens? 

Why isn't the CFPB enforcing the law and effectively protecting the public from widespread, habitual, and wanton gouging by Chase?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
THERE IS A BUNCH OF INFORMATION ON MY REPORT THAT IS FRAUD! EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING OR REPORTING OF UNVERIFIABLE INFORMATION. PLEASE CORRECT AND REMOVE THIS FROM MY CREDIT REPORT.XXXX XXXX XXXXXXXX XXXX and 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 explanation
Consumer complaint received 2022-05-19
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone got ahold of my chime bank debit card and my XXXX XXXX debit card and made multiple unauthorized transactions. I notified both banks filed a dispute XXXX XXXX has reversed the charges on my account but chime bank has not. I dont own a firearm  and the Michigan state police can verify so which a few of these transactions was made at gun stores, clothing stores, atm withdrawals, gas stations mind you I dont own a car thats what my funds was for dmv can verify I dont own a vehicle nor have one registered to me, and XXXXXXXX stores

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name

Company response to consumer: Closed with explanation