BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

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. 
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 2021-10-04
Company: BAM Management US Holdings Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
I had a cryptocurrency account with Binance.com ( located in XXXX ) since late XXXX and was was instructed to transfer my cryptos to other Exchanges by XXXX, XXXX XXXX because they were discontinuing service to their US accounts. I set up a Binance.us account and transfer XXXX XXXX cryptos into this account in XX/XX/XXXX. In XX/XX/XXXX I logged into this account and found my XXXX account had a XXXX balance but my deposit and withdrawal history proved that the balance should be XXXX XXXX tokens ( see attachments ). After several emails I informed Binance.us that I would request the Government Agency FinCEN to help me recover the XXXX cryptos. I got an immediate response requesting two weeks to restore my XXXX cryptos. After 10 days, I checked my account and found XXXX XXXX cryptos in my account. I also found that all of the deposit and withdrawal history had been removed from my account. This was very disturbing and I moved these XXXX cryptos to an off site wallet. On XX/XX/XXXX I requested their assistance to recover the remaining XXXX XXXX crypto, but as of this date I have not received a reply. The attached file contains all of the emails to document my request for your help. Your assistance in this matter is greatly appreciated. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Around XXXX of 2022 I phoned the XXXX XXXX to complain to the XXXX about no one answering the phones as I had a question. XXXX XXXX phoned me and said, You have 3 minutes You think you know everything And finally threatened to close my account and said and I quote, Ill tell you what I am gon na do, Im gon na close your account here. I filed a complaint both with the branch and the Chase XXXX department but no one took me seriously. The new branch XXXX named XXXX XXXX accused me falsely along with XXXX and lied and told their superiors that I had used graphic language towards XXXX and that other employees heard me using profanity. Theres just one problem with that story. I wasnt at the branch that day. After calling XXXX to complain she naturally took the side of her employee and then made a call to Chase and I received a letter in the mail from the bank falsely accusing me. This is a XXXX of justice! Clearly the private client group XXXX lied to his superior in the fear of losing his job as he threatened me with shutting down my account because his ego was bruised. I ended up opening a new bank account with XXXX who couldnt believe what was done to me. I had been with Chase for over 14 years and suddenly Im a threat to the branch and its employees who Ive been baking for for years and who I knew on a first name basis,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Paramount GR Holdings, LLC
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
There is an account open under my name that I was not aware of until I found out that it impacted my credit score. I called Goodleap ( Lender ) to let them know about this fraud and they told me that they couldn't help me because they were just the lender and that it was going to keep affecting my credit if I didn't pay. I called again to goodleap and now they are saying that they can close my account if they find out it was an actual fraud but they are not on the same page. Some employees say the account is under investigation and others say it is not. I have a police report that is still under investigation if you would like to contact the investigator. Here is the case number, XXXX XXXX XXXX Sheriff 's Office . Her name is XXXX XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: JPMORGAN CHASE & CO.
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have two credit cards with Chase. On one of them I have 2 active disputes that were closed in favor of the merchant, without me being given a chance to rebut what the merchant claimed. In fact, one of the was a fraud charge and Chase customer service ( some of the WORST I have ever experienced ) either hung up on my face ( 3 times ) or said that information was private and can't be shared. I am the CONSUMER -- nothing should be kept from me. Here are the two charges they rebilled : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX  opens menu {$40.00} See details about this transaction XX/XX/2021 REBILL AMZN Mktp XXXX Shopping XXXX opens menu {$46.00} For the Amazon charge, I explained the book seller who failed to send me the book was paid by Amazon already. Chase decided I should pay him an extra {$46.00}. Seriously? I have been your loyal customer for 15 plus years! As for the {$40.00}, this was FRAUD. She ran my credit without my permission and lied and said this charge was for an application to her apartment complex. Again, Chase sided with them!

If this isn't fixed, I am cancelling both cards and advising all family and friends as well as social media that your company is TERRIBLE. Before COVID, your customer service was great -- it's now XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-12
Company: EQUIFAX, INC.
State: MO
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:
Previously I established an investigation of some accounts with erroneous information and after reviewing the Credit Bureaus ' response I perceived that the disputed accounts are still incorrect, with verified status. Related information similar to this is amazingly harmful to my current credit record. Please provide that the particular information is 100 % verifiable and accurate. Please investigate and correct the following accounts : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX  Reference # XXXX Date XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XXXX I applied for a XXXX used auto loan with Navy Federal Credit Union. I called and someone stated I was approved@ 9.64 % rate. I than questioned why would my rate be so high if you advertised 5.84 % for used car? The young lady couldn't answer and than asked for a supervisor whose name I believe was XXXXI asked XXXX what were the requirements to get a loan he explained credit score length of employment and he may have said debt.I than asked XXXX well could you tell me why my rate is so high? because I exceed all those requirements and my XXXX was under 100 % .He literally said well you don't have to take the loan! I said of course I understand that but why would my rate be so high? So, my complaint is they are denying people their proper rate for an unknown reason age? race? My score at that time was XXXX with paid auto 's XXXX mortgage and 13 years on the job making XXXX a year! .If this occurs with me Imagine the people like me who they are taking advantage of and what's the basis?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I issued a bank of America check number XXXX of XXXX XXXX XXXX XXXX XXXX  XXXX dollars XXXX cent ( {$1600.00} ) with date XX/XX/21 to XXXX XXXX for my XXXX mortgage payment knowing fully well that my salary enters the account unfailingly by XX/XX/21. 
To my greatest surprise Bank of America charged my account returned item fee of {$35.00} on XX/XX/21 for a check dated XX/XX/21. On XX/XX/21 deposit of {$2500.00} was made into my account and the {$1600.00} was payed to XXXX XXXX, i called Bank of America customer care twice and all efforts made to make them refund my {$35.00} were abortive hence this complain. 
To the best of my knowledge a check is not surpose to be honored before the date on it. XXXX XXXX should charge me late fee if the check if dishonored for lack of fund. kindly use your good office to fix it

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 2023-01-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an HSBC US personal checking account in XX/XX/2023 and deposited funds from another US personal checking account in the same name. When I attempted to withdraw the deposited funds back to the original external US personal checking account, all online and mobile banking services became restricted on my account and no customer service member could explain or outline what I needed to do to unlock the account and access my funds. HSBC eventually unlocked my account and allowed two instant payments back to the origin account but the stopped the remaining ACH transfers I requested ( I had to do multiple because of the arbitrary limits they put on each one ). They called me multiple times asking the same questions surrounding, " Why are you withdrawing the funds to the same account they came from? '' I explained it was because HSBC account functions were locked previously to me, the entire funding process was taking longer than expected with the lockouts, and I needed to use my funds that week.

HSBC then froze the account and advised me they would keep the funds for 60 days while they " figure out what is going on and where the money should go. '' This is my money caught between two basic US checking accounts owned by me. It is a very simple consumer situation yet they are keeping my large amount of personal savings for 60+ days and not allowing any access to my account details or funds and refusing to offer any explanation. This is extremely financially damaging for a customer in my situation and who was told ACH transfers would take a maximum of 5 business days. I am missing out on making timely payments and on earning interest on my funds all because HSBC decided to take their sweet time to review what is happening while keeping me locked out. This is not what any reasonable consumer would sign up for.

Why doed HSBC get to keep my funds for 60+ days without my consent? This is a very basic ACH transfer situation that was handled extremely poorly by HSBC and damages my ability to make payments and rely on financial services as advertised. I am out a lot of money because of this surprising lockup of my funds and forced to wait an unreasonable amount of time to access my funds. Any consumer could easily get into my situation, all I did was transfer money in and out from the same account via ACH, and there seems to be no accountability for HSBC to honor my requests nor return my funds in a reasonable time. They won't even send them back to the origin! Please help return my funds ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: EQUIFAX, 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:
I have reviewed my report XX/XX/XXXX noticed there are several items on my report that are being illegally reported. There are inaccuracies and inconsistencies in the reporting status listed on the accounts shown. Based on FCRA 611 ( 5 ) ( ii ) I sent in a dispute showing the inaccurate information and requested it to be deleted. I received resulted from XXXX that showed to accounts " updated '' Once I looked at the updated copy of my report I noticed that nothing about the accounts in question were in fact updated. However, I notice a late payment that I asked to be reversed had changed months originally it was reporting late in XX/XX/XXXX it now shows XX/XX/XXXX I spoke with a XXXX at XXXX and she stated the XXXX XXXX verified there were No late payments XX/XX/XXXX based on the FCRA 611 ( a ) ( 1 ) ( a ) I sent in a reinvestigation letter and on XX/XX/XXXX I received results saying the account 'updated '' after reviewing the updated credit report there were no changes. 

This is a complete violation of the Fair Credit Reporting Action FCRA 611 ( a ) ( 1 ) ( a ) and FCRA 611 ( 5 ) ( ii ) and I would like this information removed from my credit report ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
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: Their investigation did not fix an error on your report

Complaint:
I submitted a complaint to the CFPB about Experian and the way they are reporting several accounts. XXXX XXXX opened XX/XX/2018 Account XXXX is not being reported properly but they verified the account instead of removing it. It has a status of Petition for Chapter XXXX Bankruptcy/Never late. There is no bankruptcy that was petition for Chapter XXXX and this status need to be removed and changed to Never late or removed for reporting incorrect information.

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 2023-09-03
Company: Credit Karma, LLC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
See details, rates, and fees for XXXX XXXX offer options for XXXX XXXX Karma Guarantee : You'll be approved or CK will pay you {$50.00}. 

XXXX  XXXX XXXX Reviews Regular purchase APR:24.24 % - 35.24 % * Variable Annual fee : {$0.00} intro with auto pay, then {$39.00} after first year

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: Smith, Rouchon & Associates, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This has been an ongoing situation. I spoke with Ms. XXXX who informed me the column on the document she mail back to me DID NOT say PROCEDURES, instead it list codes. Ive attached said document. It indeed list XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These are procedures. This violates HIPAA. I filed a complaint with HIPAA on last week via this address XXXX XXXX XXXX 

I had the right to validate my debts with Smith, Rouchon , & Associates. Instead, they violated my privacy laws. Ms. XXXX told me to contact her with my lawyer and this would continue to damage my credit. I did not sign a HIPAA form allowing this company to remove this debt. THEY VIOLATED HIPAA!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This is a continuation of previous complaint ticket number : XXXX, Bank Representative sent me an email, then he has not responded, I emailed Him daily almost and called and left a message, I am still not able to access my checking account. Problem has not been solved. 

previous complaint description : Unable to access my account for over a month, still waiting for a PIN NUMBER they said was going to be mailed out to my XXXX XXXX> address since XXXX XX/XX/2022 ... ... after more than a month of waiting, I am still unable to access my on-line account due to excessive information requirements and lack of alternate ways to provide me access to my basic checking account on-line. Although I have been 3-4 hours waiting for Service Representatives and gone through their 100 % authentication procedures and having them confirmed 100 % it is me who wants access to my account, still they have led me to no solution to my PROBLEM in trying to access my account. I am stationed in XXXX on a XXXX tour and bank of America has no ATM or bank branches here that I could easily access my account. Their customer representatives some of them are straight unpolite and unhealthfully awful to customers like me XXXX XXXX and unable to just drive to a Bank of America branch and get one-one help. Today XXXX XX/XX/2022, I still have not received a PIN for my checking account ATM card which they now require as to be able to log into my on-line account. Before, Bank of America required only an authentication through my email or direct text massage to my telephone number, but someone added a PIN NUMBER requirement to the on-line authentication. I have tried time and time over talking to a Service Representative numerous times throughout last 3 months about giving me a way into my account once they verified that it is my the owner of the accoun on the line... .everytime, they tell to wait for my PIN NUMBER... .that PIN NUMBER has never arrive ... ..Thanking you in advance for all they help you can do to help me while XXXX  and unable to check my checking account .... I have been with bank of america for over 15 years and can not understand why they are treating me this way .... XXXX XXXX XXXX, my XXXX cell number XXXX XXXX XXXX XXXX, and my email : 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 2023-01-14
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Please make Truist - Banking ; located in Florida. 

Please refund all monies incurred incorrectly as caused by a Merchant that did not deliver products and goods and still charged me incorrectly. 

I have processed a Claim with Truist please refer to : XXXX. 

This bank continually charges me overdraft fees even though I have contacted the merchant to cancel all fees and I am incorrectly charged over 7 times, of which I am correctly owed- If The Merchant had correctly refunded my fees I would not have incurred this. 

I am planing to pursue an action for Theft by larceny in the appropriate jurisdiction if this is not resolved by the Bureau of Consumer Protections. I have tried to walk in at a Truist Bank, I have called over XXXX times, and spoke with numerous persons, I have stayed on the line for more than XXXX hours and nothing has been able to be resolved. 

The merchant incorrectly charged me,- which caused me to incur overdraft fees, The Merchant has refunded XXXX transaction and Truist continually attempts to charge me over draft fees- Even When I had available funds for use. 
Truist has not refunded me any fees and I have closed all my accounts with trust. 

PLEASE ADVISE TRUIST THIS IS THEIR LAST AND FINAL WARNING TO PROVIDE ALL THE FUNDS THAT ARE RIGHTFULLY OWED TO ME OR YOU WILL BE FACED IN CIRCUIT COURT FOR CIVIL LITIGATION. I HAVE PROVIDED ALL INFORMATION TO TRUIST AND ITS REPRESENTATIVES AND NO ACTION IS TAKEN.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I no longer live in America and I havent lived there for some time. I noticed inquires and accounts on my report today that I didnt recognize and believe that I have been a victim of identty theft. I need for these to be removed immediately. I have detailed the following list please remove. 
I have already contacted all of the different agencies, and basically they are on their own timelines. Takes months toget back to me and when they do they just say it was verified. How is this possible. How do you verifiy something that is fraud. No one contacted me, they couldnt have went to my address because I dont live there anymore. It just says verified. Now I need it removed. It is stopping me from being able to aquire housing. 

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 Acct # XXXX XXXX Please remove I have filed identity theft through the authorities and now need this removed. I have taken all the steps they said I needed to take. Now they are just making excuses.

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