BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I received an alert from my Online bank account of Bank of America about my account reconfiguration, then i get to my Bank of America online bank account and saw that there were a withdraw for {$5000.00} in pending status in my Bank account and called immediately to my bank, they said me a person identified as XXXX XXXX was withdrawing {$5000.00} in a bank location and I asked them to stop that transaction immediately because it was a fraud and that I did not recognize that transaction. While I was talking on the phone with the bank, I tried to log into my online account again and I couldn't do it because the person who was committing the fraud changed my password. After spending more than an hour on the call with the bank, they tell me that the money was withdrawn, I make a complaint and explained them i have not given authorization to anyone to make a withdrawal in my name and that I do not recognize that transaction, that I have never lost my documentation, ID nor credit cards and that it is not possible for another person to have them in their possession. They told me the did not know how the money had been withdrawn, if through a check or a withdrawal and I told them that it is not possible that they have done through a check because I have never had BOA checks and not through me debit card since I had it in my position. This withdrawn was done at XXXX XXXX XXXX, XXXX TX XXXX, Branch XXXX XXXX of Bank of America. I submitted my claim the same day the fraud occurred ( XXXX XXXX ) 22 days have passed and I have not received any response from the bank and so far the bank has not returned my money, nor has they sent me any communication regarding my claim, so I think they have not processed my claim. 
I notified the police of the fraud that occurred and they have asked me for a statement from the bank regarding my claim and the bank has not sent it to me, so I have not been able to continue with my process before the police

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 2023-11-16
Company: Experian Information Solutions Inc.
State: CT
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 told Experian, XXXX, XXXX to reinvestigate these accounts ; Account 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. However they stated everything was complete and accurate. But how is that possible if open date, dateof last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C. 1681 section 602 A. States I have the right 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 instructions 15 U.S.C. 1681c, ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any 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. Also they aren't even in compliance with metro 2 credit reporting, I have evidence to prove my case.r

Company response to consumer: In progress
Consumer complaint received 2021-12-20
Company: DriveTime
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
As the debtor and consumer ( natural person ) who was involved in a consumer credit contract in XXXX of XXXX, I am exercising my rights under 16 CFR : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. The reason for exercising my rights is due to the fraudulent practices conducted by the seller in regards to my NEGOTIABLE INSTRUMENT. I am exercising my right to rescind/ revoke the seller as POA. Representatives of the seller kept referring to " the CONTRACT '' I signed but according to 16 CFR 433.1, a " contract '' is between the creditor and seller ( or if the credit and seller are bonded by common ownership ) while a " consumer credit contract '' is any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale. According to XXXX law 's dictionary, an instrument is evidence of an alleged debt, normally in the form of a cash advance, such as a check. However, during the transaction, I, the consumer, did not receive a check nor did I receive the title to the vehicle on the consumer credit contract. The reason this transaction is now void and fraudulent, is the violations of the Truth in Lending ACT 15 U.S. Code 1605 in particular regarding the " finance charge. '' All violations can be found under 15 U.S. Code 1605 as the finance charge ( also under regulation Z ) states the finance charge is the sum of all charges. There should not be a list of several charges appearing on the consumer credit contract. All amounts should be under the finance charge. Next, there should be amounts paid in the form of a cash transaction under the finance charge but there was a {$200.00} cash payment at the point of the consumer credit contract. Lastly, 15 U.S.C. 1605 states insurance is part of the finance charge unless two requirements are met, one being the creditor /seller should tell the consumer he/ she can choose whatever insurance provider that is approved by the creditor / seller and the other requirement is that the creditor / seller tells the consumer what the cost for insurance would be if the consumer obtained insurance from or through the creditor / seller. The second requirement was not met in the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
The complaints I submitted dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/2023 were closed immediately and were marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine.

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 2022-12-12
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX  of 2021 I had transactions exceeding {$5000.00} on my credit card. I called Chase to report these transactions and they offered me a refund. They asked if I knew a certain person by name. I explained to them that this person was a friend of mine. They later added the charges back on my account. No one explained why. When I called them, they said these transactions were done by my friend and they won't be refunding them. I explained to them that I didn't share my information with my friend and that she stated she doesn't know what these transactions were. 

I later filed a police report per their instructions and called them in XXXX, XXXX, and over 6-7 times in XXXX and XXXX. I submitted a copy of the police report. I asked them to provide a receipt from the merchants for these transactions or camera images to confirm It wasn't me. 
They reported me to XXXX XXXXXXXX XXXX and sent someone to make sure I wasn't being abused because of my age. When they told me they did that, I explained that I'm fully aware of my finances and at no point shared my credit information with anyone. They sent me the same letter over and over saying the case is closed unless I provided " more information " but at no point did they share what information they needed. 

I lastly called on on XXXX and spoke to a supervisor in their escalation department and asked her to share what they are basing their decision on? Also asked her to provide me the communication they received from the merchant that made them close my dispute. She said she would Call me with all their findings in a few days. I received a call today saying my case is closed with no further information. 
They failed to protect my information and allowed someone to either copy my card information or steal my card without any verification on their end. They then denied my dispute and refused to refund me for unauthorized transactions. 
They then filed a claim saying I was abused because of my age. They clearly are taking advantage of me because they think since I'm old, I have no knowledge of my spending.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: ASSOCIATED BANC-CORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was defrauded by a company and the bank failed to do a proper investigation protecting my consumer rights. The only thing I was provided was some log of from the company I am disputing. The bank didnt fulfill its duty to understand what had happened and that I was defrauded out of my money. I was scammed into signing up for a course which I understood to be asynchronous at the time of purchase {$2200.00}, which it ultimately was not. By the time I realized this wasnt the case I was told it was too late to get my money back from the company so I filed a dispute with my bank. I also filed a complaint with the AG in the state of California, FTC as well as the XXXX XXXX XXXX. I am now out {$2200.00} because the bank is stating theyre taking the temp credit back that they gave me and the company will not refund my money. I have nothing to show for {$2200.00}, nothing. The bank did also take longer than 45 days to investigate this and I was not notified until today of their decision. Please do the right thing and ensure my consumer rights are protected. I can send the emails i had with the merchant when I was asking for a refund and why. Please reach out to me so I can forward those on to the appropriate party.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I am currently leasing a XXXXXXXX XXXX 

I was charged fees that were not justified or warranted. 

I complained to Hyundai Capital Motors and was denied relief. 

The Hyundai Capital Motors lease contract has an arbitration section for settling disputes.

I have submitted a demand for arbitration eight weeks ago and I have not received any response, They are ignoring their own contract.. 

They should pay their part of the Arbitration Fee and go forward with my demand. 

By not responding they are forcing the closure of my claim. That is not just or fair or in accordance with their own lease contract.

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 2021-04-25
Company: EQUIFAX, INC.
State: MA
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:
Equifax XXXX account XXXX is being reporting inaccurately by Equifax and entire credit history need to be updated to show paid as agreed on time. Equifax didnt correct this report to report the accurate late payment history and now this is false reporting by Equifax. If Equifax cant furnish documentation directly from Freedomplus proving I was 30 days late consistently on the dates reported the entire late payment history needs to be updated to show paid on time never late because of false reporting by Equifax. False reporting of this account by Equifax is a violation of the FCRA requirements. 

Equifax didnt report the notice of dispute with this account after my first dispute this is now a violation of the Fair Credit Reporting Act requirements by Equifax for not reporting the notice of dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Experian Information Solutions Inc.
State: GA
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 items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2021-12-21
Company: Data Mortgage 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: Account status incorrect

Complaint:
Essex Mortgage company - originally I got the mortgage XXXX XXXX  and within 30 days they changed my company and within 60 days they reported to credit bureau I was late. I sent the payment to my first company, thinking they were gon na be holding my mortgage. I conitnue to make the payments to Essex after I moved into the house and my credit score had dropped. I then found out they had reported me late and charged me late fees for everypayment after that. I disputed with the company and they told me to dispute it with the credit bureau and that they did not have it on their records that I was late. It is showing on my credit report that they did report me late. 
I already made a report the cfpb and essex reported that it was fixed in XX/XX/XXXX in their response. However as of XX/XX/XXXX it is still reflecting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX XXXX  CLOSED XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Account Number XXXX XXXX {$520.00} Account Status COLLECTION Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 an 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 2021-04-24
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have three mortgages on three separate properties which are serviced by Mr Cooper. Hey are all on auto payment though my XXXX Checking account. The standard monthly payment on all three were processed for my XXXX payment. 

Today, mr Cooper initiated addition payments via ACH transfer on all three accounts two more times, causing and overdraw situation of my bank account. 

Pending ORIG CO NAME : Nationstar dba CO ENTRY DESCR : Mr Cooper SEC : PPD ORIG ID:XXXX ACH debit {$1300.00} PendingORIG CO NAME : Nationstar dba CO ENTRY DESCR : Mr Cooper SEC : PPD ORIG ID:XXXX ACH debit {$1400.00} PendingORIG CO NAME : Nationstar dba CO ENTRY DESCR : Mr Cooper SEC : PPD ORIG ID:XXXX ACH debit {$1800.00} PendingORIG CO NAME XXXX Nationstar dba CO ENTRY DESCR : Mr Cooper SEC : PPD ORIG ID:XXXX ACH debit {$1300.00} PendingORIG CO NAME : Nationstar dba CO ENTRY DESCR : Mr Cooper SEC : PPD ORIG ID:XXXX ACH debit {$1400.00} PendingORIG CO NAME : Nationstar dba CO ENTRY DESCR XXXX Mr Cooper SEC : PPD ORIG ID:XXXX ACH debit {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: EQUIFAX, INC.
State: MA
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:
Equifax continue to violate the Fair Credit Reporting Act by reporting RE-AGED XXXX  XXXX account XXXX. This account has been RE-AGED from XXXX to XXXX. RE-AGING account is a violation of the FCRA. I have provided additional proof documentation directly from the credit report showing the account has been re-aged. I have circled and highlighted the violations of reporting re-aged account by Equifax. This account has multiple FCRA violation by Equifax. I have documented the other Fair Credit Reporting Act violations by Equifax with this dispute. Please see attached credit report showing all FCRA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have asked for my credit report- Never received I have asked for my credit score- Never received and told me I had to pay for it I have asked for all data national credit systems provided them about me- Never received it I have disputed national credit system collections based on fraud and lack of validation along with providing them an FTC identity theft reference complaint and complaint number- I still have not removed this collection even though it was based in fraud, no validation was provided to me, no credit report was provided to me, no credit score was provided to me, no data that the national credit system provided TransUnion was provided to me either TransUnion could not tell me what was provided to them by XXXX XXXX XXXXXXXX XXXX 

All evidence was sent certified mail with return receipt that was signed by all parties from XXXX XXXX XXXX and transunion. This is not a duplicate complaint this is the last step I will be taking before I file a lawsuit.

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 2021-04-23
Company: The Bureaus, Inc.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was contacted multiple times by the company regarding a debt. I told the company that the debt is not mine. I was told basically that it is mine and I need to pay now. Caller was matter of fact. 
I was not told that I can dispute within a specific timeframe or any information except to pay or else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call me over and over 27 minutes apart, every day. The account had been closed at the end of last year due to a lack of income from me because of impacts from Covid-19 and they put me on a repayment plan, and its been discussed with the company multiple times. Yet Comenity is still calling me over 15 times every day from XXXX until XXXX.

Company response to consumer: Closed with non-monetary relief