BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I open a bank account with Bank of America in XXXX ( checking and saving ). Few months later a former friend told me that he was paid with a check for selling his car and that he had used my account to deposit the check. I was NOT available to review the check or it being deposited into my account. A few days later I notice that my account had be closed down and later I learn that my account had been label and reported to XXXX and XXXX XXXX XXXX  as SUSPECTED FRAUD ACTIVITY. I called XXXX and disputed it and was unsuccessful, over the past year and few months I've called Bank of America and pled with them to please REMOVE this from my reports but they have refused to do so. Recently I've follow the dispute process with Bank of America and they responded with this response " Our review determined that we accurately reported your account to the consumer reporting agencies '' XXXX responded stating that " the source has verified the information as being accurate and complete. As a result it will remain on file at XXXX '' They has not given me any sufficient evidence indicating my involvement. For example I requested for any evidence with my signature, picture, or video of my involvement, instead they mail me just a portion of my bank statement. Let it be noted that there was no monetary lost.

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 2023-09-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX Opened : XX/XX/17 Credit limit : {$19000.00} 9 months potentially Negative reporting Inaccurate information that's hindering me from achieving my future goals.

Official interpretation of 13 ( b ) Billing Error Notice 1. Withdrawal of billing error notice by consumer. The creditor need not comply with the requirements of 1026.13 ( c ) through ( g ) of this section if the consumer concludes that no billing error occurred and voluntarily withdraws the billing error notice. The consumer 's withdrawal of a billing error notice may be oral, electronic or written.

2. Form of written notice. The creditor may require that the written notice not be made on the payment medium or other material accompanying the periodic statement if the creditor so stipulates in the billing rights statement required by 1026.6 ( a ) ( 5 ) or ( b ) ( 5 ) ( iii ), and 1026.9 ( a ). In addition, if the creditor stipulates in the billing rights statement that it accepts billing error notices submitted electronically, and states the means by which a consumer may electronically submit a billing error notice, a notice sent in such manner will be deemed to satisfy the written notice requirement for purposes of 1026.13 ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit 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:
XXXX XXXX - XXXX XXXX no support from Bank of America credit card. 

My return was not possibly although the company, the owner and sales rep said they would take it back. The problems, the items do not match the contract. When calling they say they will arrange pick up. Then they would update the policy on their site. See below : I paid to have each item assembled and the trash taken away. {$2600.00} in assembly alone. Their assemblers ran into my garage door causing an additional {$1800.00} in damage. I can not return a marble dining table at my expense that they assembled. There is no way to determine the product is incorrect without assembly. There is now way to determine a table is matte not gloss without assembly. There is no way to see the product is poly urethane not leather without assembly. The owners are complete fraud. They even added pictures of my custom made product to their site and had multiple ratings of XXXX out of XXXX when I hadnt even received the XXXX of a kind product. XXXX would not return calls and make promises they never followed up on. I spent XXXX on polyurethane not leather, received incorrect product and bank of America, my bank for 22 years offered no support for the fraud.

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 2021-03-12
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: Information belongs to someone else

Complaint:
There are 8 loans on my credit report that do not belong to me I have not signed or applied for these I have no clue how these got here. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX Reason : This is not my 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 2023-11-08
Company: JPMORGAN CHASE & CO.
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
XX/XX/2023. Two invoices were submitted to a customer with a link to pay through Chase QuickAccept. My customer immediately paid but after a few days, I checked the account again and discovered my account has been closed and funds were placed on 120 day hold. Was told by customer service that their merchant service was a email only customer service department. I would need to submit invoices for the amounts billed. Never heard a response after emailing so I called customer service again. They finally transferred me to a merchant service representative ( apparently they did have a customer service number ) who told me that they never received a complaint so I was given a different email. I submitted the dispute once again, the response was bland and stated that the account was closed and that I may receive the funds after 120 days. I responded to the message, demanding for an explanation and have not received a single response. Now its XX/XX/XXXX, I called the quickaccept customer number again and they confirmed the account was closed. The money was on hold, and my funds would still not be available for another month when it would be placed in their consideration to be released. How is it possible that a bank is required to give you a reason to be denied on a loan, but will not disclose why they have your money on hold and have closed your account without ever giving you the account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights XXXX XXXX XXXX Account # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) Account # XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
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: Investigation took more than 30 days

Complaint:
Dear CFPB, I am writing to address the unresolved disputes on my consumer report and request a prompt resolution in accordance with the Fair Credit Reporting Act ( FCRA ). By the way, I'm in my bedroom on my laptop, writing this out, which is causing unnecessary time and effort on this issue. 

Despite providing all necessary documentation and following the proper procedures, Equifax has failed to conduct a thorough investigation, provide a timely response, respond with a conclusion, and remove the disputed items from my credit report. 

I sent certified mail on XX/XX/2023. Equifax acknowledged receiving documents on XX/XX/2023. I have the tracking number ( XXXX ) and a copy of their signature from USPS Equifax accepting the items in question, as well as personal information and supporting documents. 

I urge Equifax to take immediate action to rectify this matter to avoid any court intervention. 

The FCRA mandates that credit bureaus conduct a reasonable investigation and provide a written resolution within 30 days of receiving a dispute. 

However, it has been well beyond the required timeframe, and I have not received any substantial response or resolution from Equifax. This failure to comply with the FCRA 's guidelines not only undermines the integrity of the dispute resolution process but also negatively impacts my financial well-being. 

Given the credit bureau 's noncompliance with the FCRA and the extended period of time that has passed, I assert that the disputed items should be promptly removed from my credit report along with updated personal information. 

The absence of a timely response and resolution demonstrates a failure on the part of Equifax to fulfill its obligations and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: FISERV INC.
State: IL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I have received a letter explaining I should have received an EIP card but it's not been activated. I never received the card so I called the XXXX number for XXXX listed XXXX - but none of the options work and there is no option to speak to an individual. There is also no email or place online to report a lost or undelivered card. The fact that economic stimulus payments are being distributed by a vendor who does not have a proper customer service center or working phone tree for filing lost cards is absurd. I am trying to claim this EIP but again, none of the phone options work and no combination of my SSN and zip works.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: PA
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 explanation
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you complete the investigation and accuracy of the account listed below : Account Name : XXXX. # XXXX The issue has already been addressed with Equifax and they did not modify or delete this information from my consumer report. They have also taken more than 30 days to complete this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: WINNPOINTE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have been trying to refinance my home loan with interactive mortgage since XX/XX/XXXX. I was quoted a rate of 1.99 % for a 15-year fixed mortgage. This rate was locked ( I was told ) and I provided them with all requested documentation the same day it was requested. I was on maternity leave when I initiated the process and so I provided them with a verification of employment form and I was told than the loan would close a month before my return-to-work date ( XX/XX/XXXX ). During the month of XX/XX/XXXX I waited to hear from them and I reached out to my loan officer. I received a group email that he had contracted covid and to be patient and that my loan was approved and they would reach out to me. I called back again that same month and was told that the loan officer ( XXXX XXXX ) no longer worked there and that XXXX XXXX was my new loan officer. I was told that they were busy and to be patient. I spoke with Mr. XXXX on XX/XX/XXXX and he assured me that he was there for me and that I should continue to be patient. On XX/XX/XXXX I received an email from XXXX XXXX that my loan was ready to close and to set up an appointment with the notary. I met with the notary the following day ( XX/XX/XXXX ) and signed closing loan documents for a 15 year refinance loan at 1.99 % 15-year-fixed. I then received and email from Mr. XXXX on XX/XX/XXXX stating that they needed another verification of employment form completed ( I had already sent this to them XX/XX/XXXX ). I responded that same day with my 2 most recent paystubs and asked if that form was still necessary since I was no longer on maternity leave. I never received a response from Mr. XXXX to that email. I received another email on XX/XX/XXXX from XXXX XXXX asking for updated paystubs which I promptly provided. He also forwarded another verification of employment form which I my employer completed and returned on XX/XX/XXXX. Then, on XX/XX/XXXX, Mr. XXXX said that was the wrong form and gave me a different form for my employer to complete. This new form was completed by employer and forwarded to interactive mortgage ( XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX. I contacted interactive mortgage on XX/XX/XXXX by email as I had not heard back from them and they then replied that we were ready to close ( even though I signed closing docs on XX/XX/XXXX ) and they sent a new disclosure to e-sign with a rate of 2.125 % for a 15year fixed loan. I replied that this was not the agreed upon rate and that the fault lay with them that the loan had not yet closed. Since then I have been given the run-around and still have not received closure to this situation. In the meantime they have repeatedly pulled my credit without my consent and cost me the opportunity to refi with an alternate lender at the previous rates as I operated in good faith that this lender would follow through in their promise ( and our signed/notarized contract ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a 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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: ResidentCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was stolen and used to purchase an apartment @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX during XXXX  time. My police report has been filed through XXXX  with number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is an illegal attempt to collect on an alleged debt that is actually owed to me and I have filed a lawsuit against the original creditor ( s ) for Housing Discrimination, Breach of Contract, Fraud, and other causes of action. 

Please see attached Complaint Letter against Fair Collections & Outsourcing, a debt collection agency, and the corroborating Exhibits, who is illegally attempting to collect on a debt that is actually owed to me by Original Creditor.

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 2019-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Checked my credit report with XXXX XXXX on XX/XX/2019. When I called Transunion, XXXX answered the phone, however I could not understand him and he could not understand me. He was talking over me as I was asking him questions. When I was tired of trying I asked to be transferred to someone I could understand. He stated that I would have to call back because he could not transfer me they were to busy. At that point I hung up and called back and made a complaint with another transunion member. I was shocked that a credit reporting agency had someone who could not speak English and who was so rude. All I can say is God help America. Is this what our country has come to. I believe everyone should have a job if it is what they want, however rudeness is not accepted, especially if you do not speak English.

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