BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-05
Company: Experian Information Solutions 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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: Payfare International Inc.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I purchased gas at the pump on XX/XX/2023. I was charged three times by the merchant. 
I asked the bank to reverse the duplicate charges but the bank refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: CITIBANK, N.A.
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: Their investigation did not fix an error on your report

Complaint:
I am attaching all documentation. As you can see I opened this account at the store on XX/XX/2019 and my first statement due was {$94.00}. Even before I received my first bill, I visited their website and set up automatic bill pay to pay the statement balance in full. Unbeknownst to me at the time, my bank account entered was off by a digit. Apparently, like most websites, there was no quality check to ensure my account had the correct # of digits, so this went undetected. Of course, since I set up the payment in full and when I received my next bill in the mail showing a balance due of {$2.00}, I had every reason to believe the account was in good standing. What I did not know was that the XXXX payment was paid then rejected because the bank account # was wrong and there was no quality check to determine the error and no notification to me by Macy 's. At the end of XXXX when the 2nd payment in full was rejected, I did receive a call from Macy 's credit notifying me there was a problem. I called back immediately upon hearing the message and the representative and I discovered that my bank account # was off by a digit. We fixed it and she refunded all late fees and interest charges and led me to believe everything was fine and that there was an agreement that I was not late, but this was a tech/digital error. Not until I checked my credit ( I do so regularly ) did I see a hit to my score, Apparently Macy 's had reported me 30 days late.I immediately disputed it with all credit bureaus and they all corrected it, including XXXX XXXX. The following month, Macy 's reported it again to XXXX XXXX, after they had removed it, at which time I called Macy 's to find out why. The women there were extremely rude, condescending and unhelpful and accused me of being delinquent, no matter how much I showed them evidence and explained clearly that this was entirely technical, digital, error and I had clearly made every attempt to pay the bill on time, in full, and my XXXX statement showed a {$2.00} balance, so I looked no further to see the transactions that showed a reversal. No matter what, they would not even look to see the actual facts. They said I should have looked further, even though as far as I knew, my automatic bill pay at their site was set up before I even got a paper bill., and my XXXX bill was {$2.00}, so obviously my payment went through. You can see clearly that this error in my bank account # was the reason for all of this, and any reasonable person or agency would reverse this negative reporting to my credit 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 2019-12-07
Company: Experian Information Solutions 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:
XXXX XXXX is reported bankruptcy to Experian and XXXX XXXX after saying they would remove

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 2021-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX my date of birth is XXXX  and I am a victim of identity theft. There are multiple fraudulent credit cards showing on my credit report that I didnt apply for

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 2023-10-16
Company: JPMORGAN CHASE & CO.
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:
I am filing this complaint to JPMCB CARD for allowing the fraudulent account on my credit report. I filed an FTC report with the identity theft report number XXXX. 
As I checked my credit report these fraudulent account is still reflected on my credit reports. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have attached the FTC report together with my driver 's license and proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
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 discovered that some of the information on my credit report was incorrect when I reviewedit. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate theseaccounts ( A ). It is not permissible to fail to validate these reporting accounts as unverifiedinformation without providing any proof within the time frame specified by law. My creditreport includes the following erroneous information that needs to be investigated andcorrected : XXXX XXXX Balance : {$8.00}, XXXX Balance : {$35.00}, XXXX XXXX XXXXXXXX Balance : {$5000.00}, XXXX XXXX XXXX Balance : {$51000.00}, XXXX XXXX XXXX XXXX Balance : {$5700.00}, XXXX XXXXXXXX Balance : {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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 called and said it was not me and they stop calling me but sold the account to someone and they reported it. I never had a credit card ever. I'm just starting to apply for cards. And they can't tell me where the card was used or for what it was used for. They have no proof but reported this to the credit bueral and they are dening me credit now. I'm XXXX the person that appied was in thier XXXX 's. This is not me and this is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-30
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loancare is servicing my mortgage and is being unreasonable and unlawful with my PMI removal. I paid my loan down to under an 80 % loan to value based on the appraisal value done 4 months prior to my loan closing. They ignored my requests and are requesting a new appraisal be ordered when they have official documentation ( my appraisal ) that is extremely recent and used to solidify a loan.

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 2016-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
About a year ago my Kohl 's Credit card acct was hacked, I asked for a new account # and they refused, " that 's now we do it, '' they said they 'd lock my account with a pin. I had not made a purchase again until last week, in the store and no one knew anything about a pin after 45 min in the store with the store on the phone they removed the pin so I could make a purchase. A week and a half later my account was hacked again, and they still refuse to change my account number, even the police said they never heard of such a thing, how many times do I have to get hacked and inconvenienced? The only way they will give me a new acct is if I close it and reapply for another card, which will then go against my credit, this does not seem fair, that I should suffer because their fraud dept ca n't handle the fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: NC
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 has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This complaint is not being sent in error. I am a consumer by law. Inaccurate information is being reported on my credit report causing me a lot of sleepness nights. I am requesting damages for these violations.

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 2023-04-17
Company: BMW Financial Services NA, LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Hi Team, I was in the process of taking over a car lease from a seller, and as part of the process, I had to submit to a credit application check to BMW Financial Services earlier today. 

An hour ago, I received an email asking me to call the number ( XXXX ) and was informed that my application was denied, and no reasons were given. The only suggestion was to reapply again with a cosigner or ask for a refund of the credit application fee ( I had paid {$530.00} today ). Despite repeated requests, no explanations were given. Kindly note, my credit score is good ( XXXX ). 

I called back the company few minutes later ( XXXX ) and spoke to a different representative, who told me that the reason for my credit decline was that I am not a XXXX XXXX XXXX XXXX holder. I have been legally residing in the XXXX since XXXX and am currently on a XXXX XXXX XXXX ( valid until XXXX ). 

I explained the above, however the company refused to hear me out and stated that as I am not a XXXX XXXX XXXX XXXX holder, I can not be approved of the credit check. 

This is the first time I have been declined a service owing to my visa status. Request you to kindly look into this practice of discriminating against legal immigrants.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was charged a membership fee from Capital One and given no notice that the membership fee was on my credit card which had a XXXX  balance. Once I found out about it, I paid it off and called them right away, they then admitted fault and credited my account the the XXXX dollars which gave me a negative balance. They then reported to the credit agencies that I was 30 days late for something I didn't purchase or use. As a result, My credit score has been severely impacted and i'm being spoken to by creditors who keep saying that I do have a missed payment on my history as if i'm a criminal. I have always maintained an excellent payment history, please help fix this issue. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-05
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Reference : CFPB Case No. XXXX I received a letter from Citibank ( XXXX XXXX ). 

At no time for the promotion was I advised that there was a " Know Your Customer Program '' for purposes of marketing strategies to understand clients financial needs which required a series of personal financial questions which was not the business of Citibank nor did I wish to answer. 

This should have been disclosed ahead of time not lure people in with a bonus for a checking account and then get a run down on all their personal and private information. 

This is deceptive and a hardship to people who need to arrange transportatation to the bank,. etc.. Banks give you the option of opting out of sharing information with third parties or not engaging the help of financial advisors. You do not automatically get set up like this without the permission and disclosure to the customer. This is a disgrace for Citibank in keeping customers in the dark ; manipulating customers and not disclosing the truth about promotional offers ahead of time but only after they make a complaint on their deception thay mail you 8 pages of fine print..

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 2023-10-15
Company: JPMORGAN CHASE & CO.
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened my account on XX/XX/XXXX under offer XXXX, which said I would earn {$300.00} if I deposited {$2000.00} or {$750.00} if I deposited {$30000.00} within 30 days and kept the funds in the account within 60 days of offer enrollment ; I also needed to complete 5 ACH deposits and withdrawals within 90 days. I brought {$30000.00} into my account on the the 30th day ( XX/XX/XXXX ) and kept that money into my account until the 61st day ( XX/XX/XXXX ). I also completed 9 ACH deposits and withdrawals within that time period. 

I only received {$300.00} on XX/XX/XXXX. I emailed support and they sent me the terms of the offer. I responded to that that I satisfied the bonus. They responded that I didn't. I responded back that I would be filing a CFPB complaint if they didn't pay the full bonus. They responded that they would like into it. 

I called their support as well. The first member said I did not satisfy the full bonus. I asked to speak to her manager. Her manager responded that I did satisfy the full bonus and that someone from the research team would reach out. They never did reach out. 

Throughout this ordeal, I have interacted with several representatives who did not understand the bonus and were trying to short change their customers. In this high interest environment, I am losing money because Chase does not understand that what they tell me does not satisfy their own terms that they told me. I would like the CFPB 's help in resolving this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Tried to book an XXXX through XXXX. Transaction didnt go through. And scammer called and said that I can XXXX the money and she would send me a confirmation email. Later found out it was a scam

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hunt and Henrique summoned me for a credit card debt and never sent me a demand letter and just sued me without notification. I sent them a letter requesting documentations of proof of this debt. Hunt and Henrique has violated the Fair Debt Collections Practice Act. Their employee XXXX XXXX called me at XXXX and left a voicemail which I strictly stated in my last letter to cease all communications and collection activities until this account has been validated per CFR 1006.34 ( c ), FDCPA & 809. Per the Fair Debt Collections Practice Act they now owe me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Comerica
State: OH
Product: Prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
The eligibilities and entitlements where pulled off and and redirected backpays not put on the directed to deposits on the account attached to the direct express card from being my account information. I think social security income is being stolen. I being robbed by the office in on it telling lies about how you can't be eligible and I became eligible in one of those years and the income from being so high I can't receive it and sent to other accounts. Trial work was staged for the year and not completed for any entitlement. The years from the backpays to be awarded was stolen and put somewhere else. The representative payees are in place for a fraudalent. The award was in on my entitlement. The application was put under my name with eligibility. On my own entitlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
Received unsolicited email saying an account was opened jn my name. I did not open account. 

Sent email to XXXX per requested in email- they included this as a way to report unauthorized account openings. 

FRAUD!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: Financial Corporation of America
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a letter from debt collectors about a medical bill about a month and a half ago. I immediately called them. Talked with representative and when I asked for more information about what I needed to pay for, she only relied that it was a medical bill. I asked her to send me a letter stating what I was being charged for. I never received that letter. Today I received another letter stating that I need to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: Dovenmuehle Mortgage, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Sir/ Madam I am XXXX XXXX , had a mortgage with Dovenmuehle Mortgage Inc , loan no is XXXX. I refinanced my mortgage with another lender and closed Dovenmuehle 's mortgage on XX/XX/2019 as per their pay-off letter which is attached with this complaints. 
My new lender paid {$500000.00} on XX/XX/2019 as per payoff letter for principal and interest on remaining days. 


But after the closing, they over charged unethically against my escrow balance. These are the charges. 

1. Mbs pool settlement charge as {$1000.00} on XX/XX/2019 ( It is not mentioned in payoff letter ) 2. Mip/pmi mortgage insurance as {$360.00} on XX/XX/2019 ( PMI for 2 months ). 

They already paid one month PMI insurance on XX/XX/2019 as {$180.00}. Please see the attached loan activity statement. 

They took unlawfully {$1400.00} from me, it is not an ethical and professional actions from Dovenmuehle Mortgage Inc to very good standing customer such as me. 
My loan originating date with Dovenmuehle Mortgage Inc is XXXX. 

Please kindly take necessary action to Dovenmuehle Mortgage Inc for refunding {$1400.00}. 

Yours Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX Attachments 1.  Payoff Letter from Dovenmuehle Mortgage Inc 2. Loan Statement

Company response to consumer: Closed with explanation