BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 I received a deposit of XXXX from California EDD, I used my card to at XXXX XXXX XXXX, XXXX XXXX, Oregon. I continued to XXXX on the same street, in XXXX XXXX, Oregon and used their ATM., Within an hour ( and not to my knowledge ) someone made an ATM balance inquiry, in XXXX XXXX , Calif. , and minutes later, someone made a withdraw of XXXX at a ATM in XXXX XXXX , Calif. That's about a 1000 miles from where I was standing. Now my problem is that the banks fraud protection should have shut my account down at the balance inquiry, and I would have had my funds intact. Or when that someone withdrawn XXXX out of another ATM, was another chance to shut my account down. I filed a claim which they closed the next day. I called customer service again and reopened the claim. I have called many times but they said it's under investigation. XXXX XXXX of the XXXX is a payment that I owe and the company I make payments to are hounding me and my credit with them is going to suffer along with my poor credit score. I am trying to raise my credit score not lower it. The bank that has lost my funds has been rude and treat me like I stole my own money. The last deposit I got, I withdrew all my funds. I don't trust this bank and I'm stuck receiving my unemployment benefits though them. I need my money, it's bad enough that my work has gone to a complete stop. due to the virus.The bank in question keeps telling me to wait and that their hands are tied. And it could take up to 45 days. My bills are not able to be pushed back to make my XXXX payment. I feel that the bank is not doing what they can to credit my account. As for Fraud Protection, this bank is the fraudster in my mind. It should be against the law to hold cardholders funds because of their mistake.

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 2021-06-17
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/2021 Chase called us about XXXX XXXX card being 30 days overdue. We were eventually transferred to XXXX XXXX in the credit Bureau escalation department. XXXX claims we went online XX/XX/2021 and requested paperless. We would have never done this. We feel maybe if true but we dont believe. I dont remember ever logging on at all. If we did then the complaint is we were tricked into going paperless. We now have a 30 day late reported on our credit. I would like this removed. XXXX would not let my husband talk to her even with my permission. XXXX XXXX would not give us her last name. Mature would not let us talk to anyone else. XXXX refused to give us an extension or anything else that identified her.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
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: Their investigation did not fix an error on your report

Complaint:
After XXXX mail disputes in the last few months and XXXX electronic dispute with Experian regarding XXXX XXXX XXXX reporting a balance in our account, after a XXXX XXXX XXXX XXXX XXXX, they refuse to update the account to XXXX amount due. The other XXXX bureaus have updated the account correctly. After several calls with Experian On XXXX call of the many on XX/XX/21 they admitted that because of the relationship with XXXX XXXX XXXX they have to do what they say regardless of me presenting documentation of the cancelation form. Again today XX/XX/21 I have asked to show what prove was submitted to make the decision they made, I have been advise that they don't require documentation but a verbal confirmation of what do with the account. When attempting to get a supervisor on the phone the call gets disconnected. Every single time. I am on hold again. I have researched the XXXX XXXX XXXX form and how is processed and why is processed through the creditor and the IRS where all verbiage indicates it should be a XXXX amount due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: CITIBANK, N.A.
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:
In accordance with the fair credit reporting act CBNA XXXX, XXXX XXXX, and Dept of ED/XXXX  XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2021-06-17
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Very bad experience horrible experience I applied online I was given a reference number to call to process the app I called they refused to process it claimed I will get letter wihh the pin and have to call back letter was never received or mailed

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 2021-06-17
Company: EQUIFAX, INC.
State: NC
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:
The company Equifax are showing my adverse information without my consent, harming me for the acquisition of services or goods

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Upgrade, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I recently reviewed my credit card report and it shows a fraudulent account from Upgrade. I did not apply for any loans with this company. I would like this account to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
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 loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and they have verified it..The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: EQUIFAX, INC.
State: CA
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:
Someone had used my information to pull Hard inquiry which I had never authorized..

XXXX XXXX  XX/XX/2017 Equifax XXXX   XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Have been respectfully corresponding with Bank of America. Rep stated my accounts had been purged and that they were nonexistent and there was nothing to do in regards to reopening or obtaining funds. I informed him I was secondary on another account and the check book and debit card was stolen, still no assistance. Definitely fraud and grand theft taking place.

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 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the fair credit Reporting act XXXX XXXX Account # 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 account without my written instructions.

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 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The accounts reported by XXXX XXXX XXXX XXXX ( a credit card in the amount of {$7500.00} and a personal loan over {$10000.00} ) were formally requested under FCRA guidelines on XX/XX/2023 to be validated. The debtor refused. The personal loan was a motorcycle loan- the debtor requested the payoff letter from them showing verbatim paid in full be provided, it was. Still they refuse to remove these fraudulently reported accounts. As I have followed federal laws and regulations outlined the the FCRA and the debtor has far surpassed their legally allotted 30 days to provide validation these accounts can not legally stay on my credit report. Please remove them promptly. All attempts to get the debtor to cooperate have had no result.

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 2021-06-17
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX holds our lot loan that matured in XX/XX/2021. While in the process of refinancing the loan, XXXX XXXX erroneously reported to Experian, XXXX and XXXX  a XXXX delinquency even though we continued to make our regular on-time payments. The credit bureaus started reporting this delinquency on XX/XX/2021 reducing my credit score by 44 points. 

On XX/XX/XXXX XXXX took negative action against me by reducing my credit limit to the current balance which also inflates my debt to income ratio increasing the negative impacts. 

On XX/XX/XXXX, XXXX XXXX XXXX sent a letter confirming the error, while also stating they sent a correction to the credit bureaus. 

On XX/XX/XXXX, I submitted a dispute to Experian but received a notice that it will take 30 days to remove. 

Since this delinquency is an admitted error, it should be removed from my credit report immediately mitigating the risk of other creditors taking additional negative actions against me. 

As of today, XX/XX/XXXX, it's been over a month, and the delinquency is still being reported. 

My husband and I are struggling to overcome the devastation COVID caused to his business, working to refinance our mortgage that is current in forbearance and while our situation is improving, this error can devastate us. 

PLEASE HELP US QUICKLY. THANK YOU.

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 2023-10-03
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: Block, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
*There is simply no right to " retain client funds permanently '' under clauses 12 and 36 of your payment terms. A timely refund also means all funds. You have no right to confiscate all funds. You are maliciously abusing the contract. ( XXXX ) * Copy emails to reply to customers and insult customers. ( Picture : XXXX ) **Square provided false information when CFBP responded to customers. The customer is informed by email that the funds will only be retained for 90-120 days for review before the funds can be released. But you also did not issue an information request with the customer to cooperate with the investigation. It's completely one-sided and unfair to customers. ( Picture : XXXX ) 1. The account registration ( deactivation ) time is XXXX, and the payment terms of XXXX apply. Square requires customers to abide by its updated payment terms in XX/XX/XXXX. 
XXXX. Your email client promises to review and publish it within 90-120 days. You broke the contract and nothing came of it. 

XXXX. The account is delayed for 2 years. You did not contact the customer midway to propose a solution, deliberately delaying the process. Instead, after a complaint is made to the " XXXX '', it will be " permanently retained '' and will be subject to your company 's payment terms XXXX ( which does not indicate that you have this authority ) ( or trigger Article 12 ) ) Summary : Square complained that managers abused terms, violated contracts at will, bullied consumers, and deducted customer funds at will. It is hoped that the relevant financial authorities will intervene to investigate Square.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
After filing a complaint with you, they closed my account and I have no way to make payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: GREAT LAKES
State: VA
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 dispute with XXXX  on XX/XX/2018 and XX/XX/2018 with the student loan companies XXXX and XXXX XXXX XXXX XXXX Great Lakes. Prior to filing a dispute with XXXX, I contacted the company directly requesting any documentation supporting the claim that a debt is owed and they never provided any documents to support the claim. I also contacted XXXX XXXX  XXXX XXXX Great Lakes directly and never received a response. From there I gather all of my letters with tracking numbers and filed a dispute with XXXX. Approximately 2 months passed, and I never received correspondence about the disputes. On XX/XX/2018, I called XXXX to receive an update and they told me that the company verified the account. I then asked them how did the company do so and they said electronically. I then asked if they could provide me documentation from company verifying the authenticity of their response, an d the representative explained that they do not have have any documents. I then asked, How do you verify if a company is reporting false information or not, and she couldn't respond. I asked her, if there was a procedure on determining if a company is reporting false information and she said no. I explained that I had contacted the companies and that there was no documentation and even no response and I question the authenticity of their investigation. Again, she could explain or answer any of my questions. She stated that whatever the company reports is what they report and that they have no way of verifying the information being supplied is correct. With that, knowing that the two companies being disputed have either refused to respond or failed to provide documentation, this shows that whatever information that XXXX  claims to have if not correct. It appears that XXXX is allowing companies to provide false information with no investigation, despite what consumers are providing as supporting documentation. I have submitted this dispute over two months ago. Disputes usually require 30 days for a response. Not only did I not receive a response, but a true investigation was not completed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: TX
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:
Dates are attached with documents uploaded. According to 15 u.s Code 1692c- c, I have the right to dispute any and all debt you claim I owe. Please provide verification of debt with a copy of application, contract agreement, and proof that you owe this debt.

15 u.s Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these items immediately.15 U.S CODE 1681n-they are accessing my report without your permission and that is a violation. Pursuant to 15 USC 1681n, I am entitled {$1000.00} per violation.

These accounts should not be furnished on my consumer report as they are in violation! under 15 u.s code 1681b- permissible purpose of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer. No consent is identity theft. As a consumer I am demanding the deletion of all accounts listed immediately. 15U.S code 1681 all non compliant, incomplete, untimely, untrue, inaccurate or alleged accounts be completely deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Applied for a credit line increase with Walmart Capitol One and I was denied based on my credit score. However, I applied in XX/XX/ 2022 and a credit score was used from XXXX of 2022. I reached out to them and I was advised that it was the score sent over from XXXX and to contact them. Upon contacting XXXX I was advised there is no activity from Walmart Capitol One. The company did not pull a credit score and denied me twice based on an old credit score, and once based on delinquencies that I do not have. Now they want me to send them proof that they did not run an inquiry on my report by sending a letter to them with a credit report attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
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: Was not notified of investigation status or results

Complaint:
I sent in a dispute letter to all three bureaus and I did not receive any update after 30days. I then sent in another letter stating they did not respond and begged for a response. After 60 days I have not heard anything.

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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint torequest that the listed account which I believe appears to be inaccurate andincomplete be immediately investigated and corrected on my credit file. 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