BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I filed for California Unemployment Benefits online in XX/XX/XXXX. I did not receive my Bank of America ( BofA ) issued debit card and thought there was an issue with my claim. I was finally able to reach an XXXX representative on XX/XX/XXXX and was told my claim was active and advised to call BofA about getting a card sent to me. I spoke with a BofA representative who located my account and informed me that the initial card was fraudulently activated and used and she proceeded to close that card and issue me a new one. The rep also reset my online banking credentials and PIN so that I could access my account online. I was told to contact the claims department to file a dispute for the unauthorized charges made to my account. On XX/XX/XXXX I filed the disputes. I was told BofA would issue a provisional credit and mail me more claim information in the next 7 -10 business days. After receiving my card, I created a login for online access and didn't see any credits applied to my account. I called the claims department back on XX/XX/XXXX and a rep told me there was some kind of system error affecting many accounts and that she would need to " escalate '' my claim. Again I was told I'd receive credit within 10 business days. On XX/XX/XXXX I still hadn't received any credit so I called the claims department again and was told because of a banking holiday on XX/XX/XXXX the tenth business day was XX/XX/XXXX and the credit would be applied then. XX/XX/XXXX still no credit. I called the claims department again on XX/XX/XXXX and was told no time-frame could be given. I have not received any correspondence from BofA regarding my disputes. My claim with XXXX is in good standing. Federal Law and BofA 's cardholder agreement establishes my right to receive provisional credit for unauthorized transactions within 10 business days while the bank investigates my claim. In this context, Bank of America is violating this right by failing to issue credits to my account for these fraudulent transactions. 

On XX/XX/XXXX I filed the above complaint. A BofA Resolution Specialist called me on XX/XX/XXXX and left a voicemail with his number and hours of operations. He also sent me an email saying I needed to call him by XX/XX/XXXX and that either he or one of his colleagues would get back to me. I called him multiple times on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I left multiple messages and tried replying to the email he sent me and I haven't heard anything. When I call, the line does NOT ring, it goes straight to voicemail! The XXXX is a few days from now and its not looking like I'll be able to reach the specialist any time soon. This is so unfair and unprofessional.

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 2023-02-08
Company: Experian Information Solutions 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:
XXXX XXXX is reporting a charged off account on my credit reports. When I looked at my reports and saw this account I found that each bureau was reporting drastically different information and I find that funny because if all three credit bureaus get their information from the same place, how can they all report multiple inaccuracies? It is illegal for the bureaus to report inaccurate information on a consumers report and I am requesting that this account is deleted from my reports given that they are in violation of the consumer laws.

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 2021-03-18
Company: VELO LAW OFFICE
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Velo Law Office filed fraudulent lawsuit in XXXX District Courthouse XXXX, MI as if I breached a contract and XXXX XXXX XXXX XXXX XXXX hired Velo Law Office who provided services for car accident in XXXX and dates of services were in XXXX, XX/XX/XXXX, and XX/XX/XXXX. Velo Law Office failed to sue XXXX XXXX for the unpaid medical bills {$7700.00} and 3 providers received settlement from XXXX XXXX after XX/XX/XXXX. Velo Law Office lied to Honorable Judge XXXX as if my injuries weren't auto related to prevail judgment against. Due to XXXX XXXX XXXX XXXX XXXX provided services for Motor Vechile Accident that Velo Law Office have no merit to sue and would have sue me within one year of MCL 500.3145 based off of new ruling case-AUTO-OWNERS INSURANCE COMPANY V COMPASS HEALTHCARE PLC ( Per XXXX XXXX ) case ruled by the Michigan Court of Appeals on XX/XX/XXXX, XXXX in which the Michigan Court of Appeals ruled that medical providers can't sue patients past one year of MCL 500.3145 for services rendered as result of MVA XXXX 
" Debt 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 2019-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I received a letter from Capital One on XX/XX/19 stating they rebill the charge in amount of XXXX that XXXX XXXX XXXX charged on my card for the uniform my son never received. Nn XX/XX/19, I faxed the evidences such as screenshots of my conversation with the owner via texts. I followed up on XX/XX/19 to see if they have received and they haven't. I faxed it again and still haven't received it. I asked for a link to upload the documents. They sent me email to upload the documents. I followed up again and they stated they denied my claim because they dont accepted screenshots. I spoke with the supervisor and the supervisor encouraged me to write a progressive letter explaining what happened. I did and upload on the same day. I provided an explanation of how my conversation with the owner changed from email to texts and that my only communication with the owner is by texts because its easier for us and that I am XXXX. I also provided to support my explanation. In the text, the owner did stated he would refund me for the basketball uniform my son never received. I followed up the next day on XX/XX/19 and they told me they denied my dispute claim. I am upset about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-30
Company: Experian Information Solutions Inc.
State: TX
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. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Company Name : XXXX, XXXX # XXXX Company Name : XXXXXXXX XXXX XXXXXXXX XXXX. # XXXX Company NAme : XXXX XXXX. # XXXX Company Name : XXXX XXXX XXXX  XXXX # XXXX COmpany NAme : XXXX XXXX XXXX : # XXXX COmpany Name : XXXX XXXX XXXX # XXXX >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. Also states that a consumer reporting agency can not furnish an 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 2022-02-08
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:
There is a house listed on XXXX @ XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX ) that denotes the listing as follows : " Newly built for a qualified Veteran! Not for sale to general public. Must be owner occupied by a Veteran. Small home never lived in. Washer and dryer and storage shed will be installed, truly one of a kind!! 

Listing Provided by : XXXX XXXX XXXX XXXX XXXX '' We contacted our relator who contacted the listing agent. The listing agent provided information to call to query if eligible related to the listing above. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX Mortgage ' XXXX I called and spoke with this individual who simply identified herself as XXXX. She did not indicate she was from a mortgage lender. She accepted information on myself and my wife with what I thought was a screening related to the house ( Veteran information ). She NEVER explicitly advised this was to pull a credit inquiry. She NEVER contacted my wife directly to consent to this inquiry. I was NOT aware this was for a mortgage application or loan as she never identified herself as such. My wife called her directly later in the afternoon after receiving an email that her credit had been pulled. She answered the phone with " Hello '' to which my wife asked " Is this XXXX. '' Again, never identifying herself as a mortgage lender. Once my wife realized she pulled our credit, she queried the reason as we were under the impression she was screening for VETERAN eligibility related to the house itself. 

My wife called again later in the afternoon ( with myself present, on speakerphone, with XXXX aware ) after checking her credit report via creditkarma. My wife explicitly advised her credit was pulled with her date of birth and social security without consent. Same for me. There was no formal application with signature on either of our ends. My wife had never even spoken to her. My wife asked if there was a way for her to report the mistake to the credit union ( s ) directly to which she admits this was all just " confusion. '' She promised to shred our information and delete the 'application ' from her system. Again an application neither of us explicitly consented to for purposes of a mortgage lender/financing.

PLEASE ADVISE. We attempted contact with credit union ( s ) directly but was advised we needed to submit report to either the police or FTC. The FTC website brought me to this website once choices were narrowed down per the issue. 

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 2023-04-28
Company: JPMORGAN CHASE & CO.
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:
I had a chase credit card freedom card account number XXXX unfortunately this card was fraudulently charged back in XXXXand I was told by multiple chase agents on recorded calls to not make payments due to the fact that if I made a payment it would look as if I made those transactions. after the dispute they settled it and ended up refunding the card only problem is they reported the account late. The late payment is on XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Inquiries such as XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 TRANSUNION LLC IS reporting inaccurate information on my credit report Ive disputed this info 2 times still I have No response/ evidence bearing my signature, of this being accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 requested that a bankruptcy that was reporting on my credit report with only TransUnion be validated. The sent back information it was validated with the US Bankruptcy Court. I supplied a letter from the courts verifying they did not furnish the information to and credit bureau. I then sent another letter asking for it to be removed immediately, their reply stated it was verified. Considering this, I am hereby invoking my rights under FCRA 611 ( a ) ( 7 ) to request a comprehensive description of all the methods employed to verify the collection account being reported to your bureau. I am eager to understand how your investigators were able to validate and verify this account as accurate, especially considering that the collection agency failed to provide validating documents within the 30-day period mandated by the FDCPA.

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 2021-11-22
Company: Navient Solutions, LLC.
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Looking closely at this promissory note documents it's XXXX pages. There XXXX pages in this promissory note that makes it fraudulent, forged, and difficult to see something words or pages. This is not original documents. These XXXX pages below makes the entire documents invalid. 
Page XXXX errors : Make a note that the terms and agreement are all blurry and it is difficult to see the borrowers rights and etc. The signature has white out near XXXX There are XXXX illegal dates and initialization of XXXX is not mines. I initialize my name as XXXX. 
Page XXXX errors : ( XXXX ) XXXX Information is not checked. Area Code/ Fax number is incorrect. Certification Date is blank. ( XXXX ) Institution and Address is left blank. 
( XXXX ) Borrower Information full name and telephone number is incorrect. 
Singnature of Authroized XXXX signature is blank. 
Name and the Authorized XXXX in print is blank. 
Holder/Servicer is blank. 
XXXX XXXX is blank. 
Date is blank. 

Page 9 errors : ( 1 ) Holder/Servicer Information is not checked. Street section is incomplete. City, State, Zip Code is typed in out under the lines. Area Code/Telephone is typed in out under the line. Area Code/Fax # is typed in out under the line. ( 2 ) Institution and Address Area Code/Fax is blank.

( 3 ) Borrower Information Area Code/Telephone is the same as page 8.

( 4 ) Certification Date is typed in under the line. 
Signature of Authorized XXXX is electronically signed which is invalid. 
Name and Title of Authorized XXXX in print is typed small font which invalid. 
Holder Servicer name is typed in small font. This is invalid. 
Date XX/XX/2013 is typed in small font. This is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I called my bank to let them know two XXXX charges were fraudulently completed using my bank account information. I confirmed that I didn't know who the recipients were. 
The two charges debited by XXXX were on XX/XX/2022. One charge was to a XXXX XXXX for {$200.00} and another was to XXXX XXXX for {$900.00}, both on the same day. 

I called my bank and confirmed fraud, and they said they would look into it. They denied my claim, saying that I did it. I called back and let them know I have absolutely no connection to these people and would not authorize such a charge. They closed my file without doing anything else about it or even looking into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-15
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:
These inquirys were not authorized by me i would liked them removed please as i have tried contacting the companys still no help Equifax XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX  Equifax XXXX XXXX XXXX  XXXX XXXX : XX/XX/2022 XXXX XXXX XXXXXXXX : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions Inc.
State: NJ
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:
My name is 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.

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 2021-03-03
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Visited the AmEx website to get information about prequalification. Prequalified for the XXXX card and two XXXX XXXX. When attempting the application for the XXXX card, there was an indication that info I submitted did not match their records preventing us from effectively applying. I did not feel the first rep fully understood or wasnt properly disclosing why our info was in their system, he passed us to XXXX who took a social security number but never clarified whether old info was in their system or adequately why he needed it. He never performed a proper authentication of our identity to disclose info that may have been in the system. I raised the concern numerous times that we didnt understand whether old info was causing the block ( which would have allowed us to try to take next steps ) or whether someone else was using my info. The original rep claimed he couldnt even see the prequal for XXXX and started pushing a card I was not prequalified for, the gold, which is showing elevated offers online. The problem is that if the XXXX cards, possibly, connected to old corporate accounts, but maybe not, are not the issue, what is but they never helped me understand what I could do to help myself if there is an issue. I was transferred to and spoke with a manager, XXXX, who the previous rep claimed was a middle school friend, who totally blew off my security concerns. Then ; Spoke with XXXX, who provided an XXXX XXXX address for complaints because apparently AmEx does not value prospects only client concerns, even when security related. Chatted with XXXX and he blew me off totally and was flippant in his replies. Im baffled that none took my concerns seriously when I was told that the name and email address in their file did not match my social and Im surprised that this company does not have a method or counseling to deal with security concerns for prospects. I thought their customer service was industry best but 5 people -including 1 supervisor- failed us. I do not want to wait for snail mail for resolution and the company has no expedited solutions for investigating security concerns. I wasted my time and got no information. Not interested in a relationship anymore now that I understand how clients are treated but want answers.

Company response to consumer: Closed with explanation