BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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/19 I visited a bank of America branch located at XXXX XXXX XXXX XXXX XXXX NC XXXX at approximately XXXX. I attempted to make a cash deposit for {$600.00}. The atm malfunctioned and attempted to take my cash. I was able to get {$140.00} back out of the atm the remaining {$460.00} was sucked into the atm. immediately a message appeared stating we can not process your transaction. No receipt provided, it just took my money and said error. 

I immediately called into the disputes dept to file a claim. The representative asked for an ID number for the ATM. I told her as I had no receipt all I can tell her is that it was the atm in the middle lane as this location has 4 ATMs in its drive thru. 

The representative advised she saw the atm that had malfunctioned around the time of my call and stated that was the atm she would make the claim for. I asked her how she could be sure she was filing the claim with the correct atm, she assured me that she had the correct one because the system could see which one had an issue. 

A month later I get a letter stating my transaction was located but no cash was found. I would be debited {$460.00} on XXXX. 

I escalated the issue to the CEO 's department and I was told that because my money was not located they could not credit me. I asked what means were taking to investigate. I wasn't given any details except that a cash count was performed. I asked on which day? they couldn't tell me stating Bank of America proprietary information. 

I was never given a transaction ID to prove that they actually located the transaction. I was never given any description of how they went about looking for my money. 
I told the representative to pull the video tape of me making the deposit. 
She stated she was unable to see what went into the machine. 


The representatives at Bank of America are telling me that my money is gone and theres nothing they can do about it.

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 2022-02-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Months ago I sent this dispute to you CFPB along with the 3 credit bureaus XXXX, XXXX XXXX and Equifax - to remove accounts that I have paid the original creditor now going over two years ago and it show as collection with balances which by law is a violation of incorrect information on my credit reports. 

I am requesting that the following inaccurate items be immediately investigated. I PAID OFF in FULL to original creditors. Please delete this misleading information in order to show my true credit history. By provision of 15 USC section 168i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record. 

XXXX XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX Account number XXXX Collection opened XX/XX/XXXX Account type Collection XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Collection opened XX/XX/XXXX Account type Open account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I submitted to the company that I denied the debts and any portion thereof they responded with another collection notice and a bill from the original debtor stating that I had a XXXX balance and the charges of the XXXX had been paid yet when I called them to inquire as to why they were still collecting on a debt that had a XXXX balance they refused to allow me to speak to a supervisor and hung up on me.

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 2023-09-06
Company: LEXISNEXIS
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Federal Rules of Bankruptcy XXXX XXXX and XXXX for more detail on the Clerk 's duties to keep records and privacy protections for those records. Unless your bankruptcy case records are sealed or contain information subject to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Universal Recovery Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
You are still refusing to either delete or change the status of my account with you on my credit report. This account is no longer open, but you still are reporting it as being an open account on my credit report. There are two credit report entries that are still being erroneously reported by you. Once again, any and all of my accounts with you have been included in my Bankruptcy filing and my rights are now protected by the bankruptcy court. You are directly violating my rights and federal laws by allowing mis-information to remain on my credit report. How can a collection account still remain open when the Federal Bankruptcy Laws forbid Collection companies like yours to continue collection activity on a bankruptcy protected account? You seem to think that you are above the laws of our great nation and continue to toe the line of right and wrong by many of your actions. If you force my hand, I will make it my life-long quest to make sure that I raise enough questions about your shady business practices to where an investigation will ultimately open up by one of these regulating agencies on you and finally expose what kind of business practices you are conducting at this collection company of yours. I will make it my life-long quest to expose you for who you are if you want to keep harming peoples credit like you are harming mine right now if you don't remove these erroneously reported accounts from my credit report or change their status from open to closed immediately. Again, They are not open accounts ; they are closed accounts. It is illegal for you to continue collection activity on accounts that are protected by the bankruptcy court as all of mine are including yours as well. However, since you continue to keep reporting these accounts as being open and active, that means that you are still collecting on these accounts because they are still open collection accounts. Yet, they are not and you are forbidden from keeping them in an open status once you were notified by the courts or my attorney that these accounts can no longer be collected on and that they need to be closed out. You refuse to close them out and thus now you are in violation of federal laws. Close them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Experian Information Solutions Inc.
State: NY
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 I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XX/XX/2022 15 USC 1681 section 602 A states I have a right to privacy.

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

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which predates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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 explanation
Consumer complaint received 2018-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX I apply with Bank of America credit card in which I am a customer and Financial Institution declined my opportunity to obtain credit card. 
I told Bank of America rep that I had a Bankruptcy Chapter XXXX that I filed because uncircumstances of past debts collection, medical bills and my XXXX XXXX. 
I told Bank of America that I am XXXX XXXX  and Retired.I had a phone conversation from my cell phone XXXX with Bank of America and my conversation was pre-recorded with Bank of America. 
On Saturday.XX/XX/XXXX I received a denial of credit rejection letter from Bank of America rejecting my credit application for a credit card because of my XXXX Retirement and filed Bankruptcy that I file on XX/XX/XXXX and it was discharged on XX/XX/XXXX. 
Bank of America pulled my XXXX credit report on XX/XX/XXXX and letter stated my score was XXXX. 
Now, that I have been rejected my credit scores went down and my credit is damaged by Bank of America rejection in obtaining credit. 
Why pulled my credit if I told Bank of America that I am XXXX XXXX   and I have a Bankruptcy chapter XXXX.on my credit report.? 
As a XXXX XXXX American and XXXX XXXX XXXX XXXX I am devastated by Bank of America rejection in me obtaining a credit card. 
I don't have Bank of America credit card, my denial reference number XXXX with last four # XXXX Urgent Matters

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 2023-01-19
Company: JPMORGAN CHASE & CO.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2023 I have reached out on number occasions on the phone to resolve this dispute that I was unaware was in collections in the amount of XXXX from XXXX XXXX XXXX, also a collections from XXXX XXXX XXXX in the amount of XXXX and also an inaccurate amount being displayed for JPMCB CARD SERVICES these companies are reporting inaccurate information to XXXX, XXXX, XXXX where it still remains unable to be verify accurate information for these accounts that have been marked as a collections/charge off every month still after a dispute letter still reporting inaccurate balances displayed there has not been any further update nor deletions after request to removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-19
Company: EQUIFAX, INC.
State: OR
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  reported a credit card belonging to my ex wife was XXXX in XXXX of XXXX. 
It was not. It was discharged in XXXX. 

I have a divorce decree that shows I am not responsible for any accounts that belong to my ex wife and that I was to be removed. 
XXXX XXXX  did not remove me. 

XXXX XXXX  still reports it incorrectly on my credit bureaus and in my name. As well as false information. 

XXXX XXXX  has duplicated the discharge 2 times which is not legal in the first place and incorrect. 
And can not be in in my name per legal documents which they did. 

The XX/XX/XXXX reporting needs to be removed and the card and information needs to be removed off my name. 

Please have them follow all legal avenues and remove the duplicate information as well as off my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: The CMI Group, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received a copy of my credit report and there is a debt listed as in collection from original creditor, XXXX XXXX, dated as opened on XX/XX/17. I did not attempt to open any accounts with XXXX XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 
Account name : 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 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 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 2019-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
all 3 credit bureaus are reporting a public record on my credit that I have no knowledge of and I haven't given no one including third party companies written permission to obtain any information on me and no judicial system releases  information to second or third parties because its illegal and I can sue them.

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 2019-11-18
Company: HYUNDAI CAPITAL AMERICA
State: WA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
My XXXX XXXX XXXX was totaled in an auto accident on XX/XX/2019. This was on a 36 month lease and I had put {$7000.00} down and had prepaid my monthly lease payments until XXXX of XXXX. My insurance company, XXXX, allowed me to secure a rental vehicle for two weeks. Unfortunately, at the end of the two weeks, I still did not receive any settlement on the vehicle and any attempt to get a straight answer out of XXXX leasing was futile. My insurance company received a payoff amount of {$22000.00} from XXXX leasing which was sent to them mid XXXX. To date, three calls were made to XXXX leasing on my behalf to obtain information on how I can be made whole on this accident. They keep telling me that it will take 90 days before this will be settled. Here are the issues I would like resolved : 1. Since this lease had Gap insurance, it was my understanding I would only be responsible for the residual value of {$19000.00}, then why did they request a payoff amount of {$22000.00}. 
2. Why is this taking so long to settle when my insurance company has already settled with them. 
3. Why are they continuing to take out the monthly lease payments when they already received the payoff. 
4. How can a customer be made whole and proceed with replacing this vehicle when I am not receiving settlement funds to do so. 
Thank you ... XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX , XXXX , WA XXXX E-mail : XXXX KIA Finance XXXX XXXX XXXX XXXX , TX XXXX Account Number : XXXX Phone : XXXX Total Loss Department Phone : XXXX Customer Service

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 2021-06-30
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:
I reviewed copy of my current credit report and show incomplete or inaccurate information listed. The creditor XXXX XXXX XXXX account number XXXX is show this alleged account paid as agreed. This creditor advised that due to payment received succesfully that creditor agree to delete this account. This was a payment received as pay for delete. This is not a dispute by a request for removal due to pay for delete. Please delete this account as creditor has agree to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I made complaint someone hacked my account and send money with XXXX I called the bank and they told me supposedly some one with my authorization made this transfer but I never gave my authorization so they denied my claim and closed this claim so it was XXXX dollars that I lost there

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 2023-04-25
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I sent a request for information on my loan and did not get my concerns addressed, The financing company sent back a letter stating call for clarification, however every time I call I am rerouted to a different department and not able to get any XXXX to resolve my issues or concerns about the debt owed. if I try to access the account online sometime my access is restricted and at this very moment it displays that I can only speak to a representative over the phone but when I call, I am never able to get to the department that will assist me, I have asked for a supervisor XXXX today on XX/XX/2023 over XXXX times and a few agents hung up on or transferred me back to the automated system. this company does not want to help consumers and should be sued. I am not interested in mediation as I have tried for months to get a resolution to my concerns. I have my phone log and screenshots of not being able to log into the online portal at times and the chat option not being available for me to chat with a live agent and also not being able to select the amount of payment I'd like to pay ( being forced to select a certain payment amount )

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 2022-03-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Over the course of 30 days. I have filed a dispute in regards to inaccurate and false information on my credit report. My first dispute was XX/XX/2022. Equifax, is still reporting these incorrect items. According to the fair credit ACT, section 609 ( a ) ( 1 ) ( A ) they are required by Federal Law to only report Accurate information and the have not done so. They have not provided me with any proof i.e. and original consumer contract with my signature on it proving that this is my account. Further more ive provided an FTC report showing this account is opened without my consent, proof that Equifax added this account after it was removed, and a credit report that shows only Equifax Credit Bureau reporting this fraudulent account. Lastly they are violating my rights by requiring me to mail my id and social security card in order for them to process my dispute request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: NV
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 XXXXXXXX, 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

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 2023-03-12
Company: PLANET HOME LENDING, LLC
State: TN
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:
Reporting late payments. 
accordance to 15 USC 1618a ( 2 ) Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company response to consumer: Closed with explanation