BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: GA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: TRUIST FINANCIAL CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint was originally filed and closed prematurely. The original complaint number XXXX was closed even though the complaint was not resolved. Originally, Sun Trust ( now Truist ), said it would take them 30 days to process the payoff of my home loan, then they said 45 days, then they said the 60 days, last contact with them they said 90 days for Colorado to process the lien release. It has now been 90 days, I have not received any information that the lien release has been completed either from Sun Trust nor the state of Colorado. All of the payoff information was provided in the previous complaint.

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 2022-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Greetings, I am a business owner with a bank account at Bank Of America. As a car dealership our business is to provide vehicles to auctions, retail customers & wholesalers such as XXXX or XXXX XXXX. 

Ive been a customer with Bank of America sadly for over 15 years and within this business account have deposited over 7-8 checks. My most recent deposit was a payment issued by a major company for a sum of 17,500. The bank told me upon deposit that the funds will be made available in parts within two day & four day intervals. After about 24 hours a hold was placed by the bank because of fraud verification & the funds wouldnt be released for 11 more days.

This has caused issues with employees that need to be paid and vendors that need to repaid for their credit line on vehicles. Bank of America has routinely placed these verifications on customers of my kind in order to put us out of business. When speaking to the bank the only solution they offer is to wait for the extra verification process to be done and shut down my account if I dont appreciate the extra restrictions put on me as a customer. It is impossible to operate as a business if there is a 11 day hold on every sale and every bit of funds that we receive. On top of this we incur bank, vendor, & business fees doe late payments to everyone else. I will be shutting business down thanks to Bank of America as I can not survive labor lawsuits & employee non payment in my state.

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 2021-08-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a telephone call from Portfolio Recovery Associates from a number shown as XXXX in XXXX NC on Tuesday, XX/XX/2021 at XXXX XXXX I did not answer the call and blocked that number on my phone because it was not a number known to me. Today, XX/XX/2021 at XXXX XXXX I received a call from XXXX in XXXX, Alabama. I called the number back and was told first in a recording and then when I spoke to someone that this number is for Portfolio Recovery Associates. When I explained that I have no debt and asked that I be taken off their call list, I was asked for my account number or my social security number. When I explained that I don't have an account and that I certainly don't give out my social security number, I was told that there is no way to access my account so they can remove me from their call list. 

My only debt is a car payment that has never been paid late ( auto-drafted from a savings account ) and a credit card which may have of balance of $ XXXX but is always paid on time and is often {$0.00} balance. These people need to quit calling me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05
Company: JPMORGAN CHASE & CO.
State: WA
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:
I travelled to XXXX in XX/XX/2022 for attending my sister 's wedding, where I used my Chase credit card for doing a lot of shopping. 
During this time, I used to get email alerts for every purchase I made, which I usually take a look at later, as I didn't have the access to internet while out in the market doing shopping. 
On XX/XX/2022 I was out in the market to purchase some gold jewelry, before going to intended shop, I parked my car in the market and the mobile parking attendant asked me to pay for the parking upfront. I handed my card over to him and he swiped it on his mobile card reader machine. After that, I made the purchase at the intended shop and was on my way back home ( I couldn't check my email alerts at this time, as we were busy with the wedding preparations ). After a few days when I looked at my credit card statement, in addition to my all other regular and expected charges - it showed me a unrecognized charge of {$1600.00} from an unknown entity ( this was on the same day, but prior to when I purchased the gold jewelry on XX/XX/XXXX ). This is when I realized that I have become the victim of credit card fraud, most likely by the 'parking attendant ' who swiped my card that day just prior to my purchase on the jewelry store ( I didn't see any 'parking " related charges on my credit card in that statement period ). 
When I disputed this charge with the chase bank, they investigated my issue and denied my claim by saying that the card was in my possession when this fraud happened. I tried re-appealing my case with them and tried talking to the fraud department, but it all went in vain as the chase rep that I talked and tried to explain my case - became extremely rude and literally threatened me that if I don't pay this charge, they will spoil my credit ratings. At this point I felt extremely frustrated and helpless, as there was nothing I could do to fight my case. My track record of paying my CC dues have always been clean, I never ran into any payment issues with Chase ( and couple other banks ). At the end of it, I anyways paid for this fraudulent charge on my card and going get my account closed with Chase. 
I am posting here about this issue, as I don't have the time and energy to take a legal course of action regarding this, but I hope I can get some resolution from Chase with the help of CFPB, and I hope people can also learn from my incident and be more vigilant at their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: NC
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 XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Department of Education and all 3 credit bureaus along with XXXX  continue to report older information over 8 years old that has been paid/closed/settled for 7 years or more. I want these items removed.

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 2023-10-18
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit 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:
I was in the XXXX XXXX on vacation when charges were made to my card without my consent. The charges were XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. This is a total of USD XXXX. I was also charged foreign transaction fees on this in the amount of USD XXXX. Wells Fargo continues to charge me interest fees on these purchases as well. So far I believe I have paid close to USD XXXX in interest. I have filed a police report with the city of XXXX, Ga ( Case Number # XXXX ), opened three different fraud disputes with Wells Fargo, spoke with investigators at Wells Fargo, gone into a branch to speak with the manager, and spent countless hours on the phone with them only to have all my claims denied. They claim that since I told them I had the card in my possession and a chip transaction was used I am liable. When I went into the branch, I showed the branch manager the card and she said it looked like my card had been tampered with. It looks as if the chip was taken off and replaced with a different one. When in the XXXX XXXX, we stayed at the XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. We went straight there from the airport and never left once we were there. My wife as well as the friends we went with will testify to this. There was no way for me to make these charges while there. I did not go to these establishments nor know what they are. I am at my wits end with this and do not know what else to do. Please help!

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 2023-07-13
Company: TRUIST FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
A checking account was opened from Truist on XX/XX/2023 with promotional code XXXX. The terms of the promotional code is to make two qualifying deposits totaling {$1000.00} or more within 90 days to earn {$400.00} bonus. The {$400.00} bonus will be posted within 4 weeks after requirements are met. 

I finished the two qualifying deposits on XX/XX/2023 but no {$400.00} bonus after 4 weeks. On XX/XX/XXXX, I provided permission to my wife to discuss my missing bonus issue with Truist customer service representative. My wife was told there is no promotion code was attached to my account. My wife offered to provide a screen shot that shows XXXX promotional code was applied to my account during the checking account application process. The customer service only stated she will elevate my issue up to the management team and have the management team to respond. My wife requested the customer service to write down she can prove the promotional code was applied from a screen shot. 

No call back from the management team at all.

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 2021-08-25
Company: EQUIFAX, INC.
State: MS
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:
I have 7 credit cards that has advised me that they report to Equifax, yet Equifax has not placed these on my report. I have been instructed by their employees to give it 3-6 months to report. Although I found this information to be erroneous, I have allowed them ample amount of time and still nothing.

I also have an old vehicle that was current when I filed ChapterXXXX and has since been paid off. It originally reflected this information. For some reason, today, XX/XX/25, I was notified that this information was updated to reflect a paid charge off. Which is absolutely false. This has dropped my score 16 points alone, per their site. 

They are intentionally updating incorrect information and purposely failing to report positive information. The credit card accounts I currently have that are not being reported are below : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX XXXXXXXX. Also, I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX  XXXX. Please correct and update.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/2021, {$30.00} : This company has failed to apply the payment within a timely manner, and has placed a hold onto the payment and available credits, for verification of receipt of funds from the bank for 30 days. 

However, the funds have already been received, and there has never been an issue with any payments being made on this account. 

And all payments have been on time. But I am concerned about the fluctuating available credit being removed several cents to a {$1.00} continuously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Chase Bank refuses to identify an appraiser who generated an appraisal report of a residential property in XXXX, Michigan. ( That appraisal was the basis of a Chase complaint against me proven frivolous by the state of Michigan. ) Refusal to provide the appraiser 's license number and license level is in violation of Michigan 's Occupational Code, which states that they must " produce evidence of licensing upon request by a member of the public or a representative of the department. '' Please obtain the appraiser 's name and license number for the appraisal of XXXX XXXX, XXXX, MI XXXX completed on XX/XX/2010 and forward that information to me. Attached are documents detailing the results of that appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
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 Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
For my XXXX Report there are inquiries on dates of that I didnt apply for and that I requested to be removed ( XXXX XXXX XXXX, specifically ) There are also inquiries on my Transunion Report that I dont recognize as well

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 2023-02-06
Company: Specialized Loan Servicing Holdings LLC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX had my loan and I had applied for covid relief and was approved in XX/XX/XXXX. Once approved and XXXX sent the check to XXXX mortgage mid XX/XX/XXXX they had changed my loan to lender Specialized Loan Servicing. Who sent me papers in XX/XX/XXXX. Once I contacted them and explained the situation they put a hold on my account as they were new lender and I advised XXXX had sent a check out to XXXX XXXX  in XXXX. They said contact XXXX about issue but they had a hold on account. I called XXXX and notified them of the new lender Specialized Loan Servicing and they stated the check had been returned and to send them papers from new lender and they will get check rerouted. I sent this in XXXX also. Contact XXXX loan and told them XXXX stated they would reroute the check. This went on and on for few months the back and forth until XX/XX/XXXX and the check was reprocessed and finally received from XXXX in amt of $ XXXX which paid mortgage up to XXXX of XXXX. Called Specialized loan and followed up and they stated as well payment received and up to date so the issue is how they reporting late to my credit which is against Federal Law when they just came into the picture and the account was on forbearance.

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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help

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