BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-17
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My employer XXXX conference called the bank of New York Mellon for my benefit wallet account. They told me to mail a new signature card. I did my account was still not open, then they said I needed to send a {$52.00} money order for the XXXX  fees. Even though someone stole my checks and used them. I sent in the money order. And they have still havent given me access to my account. My employer has made deposits and I need those funds to pay for XXXX. My health is getting worse without this needed XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I neither initiated nor authorized the opening of these accounts, and it has no association with me. I suspect that my personal information was compromised, leading to the unauthorized establishment of these accounts. To support my dispute, I am furnishing the subsequent information. I kindly request that you embark upon a comprehensive investigation into this matter, expunge the fraudulent account from my credit report, and furnish me with a corrected credit report upon the conclusion of your investigation. Furthermore, I seek your assistance in placing an extended fraud alert on my credit file to avert any future unauthorized activities. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX I kindly request that you furnish a written acknowledgment of the receipt of this dispute letter and keep me apprised of the measures taken to address this issue. While I understand that resolving identity theft disputes may necessitate some time, I implore you to expedite the process to mitigate any adverse impact on my financial stability

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08
Company: Amsher Collection Services, Inc.
State: OH
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:
I sent a certified letter to XXXX and Amsher Collection Service requesting in writing debt validation and requesting XXXX remove the account based of of incorrect reporting. My report on XXXX didnt obtain a status change with the account showing as collection and past due which is illegal. I asked for written verification from Amsher Collection Service and nothing was sent to me within the 30 days allowed. Also Amsher Collection Service is not licesed to operate in the state of Ohio.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I was trying ti withdraw money while on my trip to XXXX XXXX and the ATM did not dispense the cash but they deducted the money from my account. Nothing has been done on their end, this is stealing. They are keeping money that is not theirs

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: EQUIFAX, INC.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit reporXXXX 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 2021-06-11
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
MIDLAND CREDIT MANAGEMENT - Account is not mine. No knowledge of it, no legal obligation for it and no information as to its origin. Please check not untimely, incomplete and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
XX/XX/XXXX I opened additional checking account with Chase Bank. Banker told me due to my relationship and balances it was free checking account no monthly fees. Everything was fine then in XX/XX/XXXX I move money out of account. I never got any email or text even though I'm set up for alerts that Chase Bank begin charging my checking account $ XXXX  monthly fee. I called XX/XX/XXXX th when I noticed charge and they would only reverse XXXX fee. I tried going to different branches at different times but there was always long wait for banker and usually only XXXX banker working. I finally went to branch today and banker said they don't have authority to reverse no more than XXXX charge. I think it's very shady of original banker who set up account to tell me it's free and now Chase Bank does not want to waive these fees even though I'm long time customer. I wonder how many other people this questionable business practice this is happening to??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: NY
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 found items on my report that are inaccurate and negative

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened a checking account with Truist branch under a promotional offer for {$400.00} sent in the mail. I completed all required application steps, met all eligibility requirements, direct depositing more than {$1000.00} in the first 90 days of opening as agreed but did not receive promotional deposit. 

I called Truist on XX/XX/XXXXXXXX  to inquire about missing promotional credit and was told that that the bank would research the missing promotional credit. I contacted Truist a second time on XX/XX/XXXX and a bank customer said that I was found ineligible for the promotion, however this was not true. I was clearly eligible according to the terms and conditions of the promotion ( see attachment ). I read the terms of the account promotion to the customer service representative and spoke to a supervisor but the bank still has not provide the promised promotional deposit. 

The terms of the offer stated : " Earn {$400.00} for opening a new Truist One Checking account from XX/XX/XXXX through XX/XX/XXXX and completing at least 2 qualifying Direct Deposits* totaling {$1000.00} or more within 90 days of account opening. 

Enrollment in the promotion is required at the time of account opening using promo code XXXX. Please refer to the Account Opening and Enrollment section below for instructions. 

*A qualifying Direct Deposit is an electronic credit ( greater than {$0.00} ) of your salary, pension, Social Security or other regular monthly income deposited into your new checking account by your employer or outside agency. 

Transfers made from one account to another or deposits made via a branch, ATM, online transfer, mobile device, debit/prepaid card number or the mail are not eligible direct deposits. 

Offer Eligibility : Offer is only available to individuals who received a direct communication from Truist. Clients with an existing personal checking account with Truist or who have closed an account with Truist on or after XX/XX/XXXX are not eligible to participate. Account holder must be XXXX or older at the time of account opening. Truist employees, Directors, Officers, and Local Boards/Advisors are not eligible. Offer available only to US residents with a valid US taxpayer identification number. The qualifying checking account must be opened in a Truist branch. '' All conditions have been met and the promotion should have already been processed.

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 2016-05-11
Company: ROC Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
The law firm that XXXX hired to collect their debt is calling me on my cell, my work number. They are leaving VERY DETAILED information on my parents home phone, my sisters phone and my friends phone stating that this is XXXX XXXX from API and this message is for ( My Name ). XXXX ( My Name ), your agreed upon payment of {$170.00} failed to clear your bank and came back as insufficient funds. If we do not hear back from you within 24 hours we will be contacting XXXX XXXX for fraud charges for them to take their action on a state and federal level. Please return my call at XXXX ext XXXX And a XXXX also left this same message with a call back number of XXXX ext XXXX I do not live with these relatives or friends. They should not be leaving these types of messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX PL XXXX XXXX XXXX FL XXXX RE : Identity Theft Victim To whom it XXXX concern : I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 


Sincerely, XXXX XXXX Enclosures : Identity Theft Report FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) XXXX XXXX XXXX XXXX {$3300.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT

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 2021-06-11
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I closed an account with XXXX XXXX XXXX and returned my equipment to the designated location. My account was sent to collections after the balance was 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 2017-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account was overdrawn and I deposited via banking app my paycheck to cover it on  XXXX . I checked the next day  XXXX  to make sure everything was ok and my account shows s a ten da y hold on the deposit. I deposit my paycheck the same way for the same amount every week and there has never been a hold before. I contacted the bank on  XXXX  and was told that it was for my protection so it could be verified. I told them that the check is from my business and it is good it did n't need verification. I asked to speak with a supervisor and spoke to a gentlemen named  XXXX  and he checked into the situation and stated that nothing could be done and suggested that I deposit more money or I would keep being charged for the overdraft. How can this bank continue to do this to people. I have been banking with the same branch for over thirty years and have stayed th ru six different b anks being bought out but this will be the last B ank of Americas creativ e banking techniques have to be stopped. This bank will continue to take advantage of people because they are allowed to by our government agencies.

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 2017-05-03
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is an account listed which does not belong to me and is reported on my credit which is wrong. Requesting removal of this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
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 applied for a car loan today XX/XX/20 and I was not approved because apparently there are some accounts and inquiries that are reflecting negatively on my credit report. None of the items I listed on this report belong to me nor did I authorize anyone to open them in my name with my personal information. I have no idea who is responsible for opening these accounts on my behalf without my permission and I have already filed a police report. I did not benefit any money, goods, services or any other type of benefit as a result of these accounts/inquiries and I never made any payments towards these accounts. I am not affiliated to any of these companies and I never gave them permission to run or access my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Abbott Osborn Jacobs PLC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/2023 tried to settle a XXXX debt with an attorney XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX IA XXXX XXXX collecting for XXXX XXXX XXXX XXXX who was collecting for XXXX XXXX I am not working nor do i have savings, my husband offered an settlement on the account and they would not settle prior to a court date of XXXX my hardship is due to XXXX and we offered what we could reasonably afford. they are deliberately trying to sabotage my credit by refusing to negotiate in good faith. I pray you help me get them to accept a reasonable settlement offer on such a low amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I disputed several accounts on my Equifax report back on XXXX and XX/XX/2019. I received my credit report on XX/XX/2019 stating that the items was deleted but they was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report from the federal trade commission with a fraudulent account and fraudulent inquiries

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 2020-03-12
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 keep having these collection accounts pop up on my credit file that do not belong to me. I have medical insurance so i'm not sure who is using my personal information to obtain medical attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I purchased a vehicle on XXXX XXXX and it ways paid in cash. There was no financing however the dealership XXXX XXXX ran my credit to three different loan companies. XXXX XXXX, XXXX XXXX, and Capital One finance. None of these were authorized and all three above companies as well as the three credit bureaus wont remove any of the inquiries. I am trying to repair my credit and these XXXX hard inquiries are hindering me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Two ( 2 ) letters of Tenure were sent to Bank of America XXXX XXXX Mail with a Certified copy sent to CEO of Bank of America, along with the Power of Attorney for the Estate. 

1st letter Letter of Claim 2nd letter Opportunity to Cue Another letter of tenure has been prepared for submission today due to the deactivation of all ( 3 ) credit cards accounts for breach of contract and default of fiduciary duties. 

A complaint was sent to the Office of the Comptroller of the Currency. ( XXXX XXXX XXXX. XXXX ). The OCC office referred this complaint to the CFPB. If no successful resolution is given ; the securities exchange commission is recommended for further resolution. 

All accounts are up to date in payments ; no late or missed payments per account ( s ) history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am sending request to investigate all accounts which are not belong to me and were opened like a fraud. If you do not have proofs that are mine, please remove as soon as possible from 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 non-monetary relief
Consumer complaint received 2022-04-06
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
( CCB stands for Comenity Capital Bank ) I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. I am a victim of fraud and theft. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit.

Company response to consumer: Closed with non-monetary relief