BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In XX/XX/2020 around the XXXX, at XXXX XXXX, the Bank of America allowed XXXX To be taken from my account to a person who had stolen my identification card and all other personal information, and the teller allowed this person whom was not me to walk out the front doors. This man managed to convince the teller, in person that he was I, XXXX XXXX XXXX. They will not hold themselves accountable and they wont help me and treat me like Im lying when its obvious that they have camera and they say that I look like the same person that took the money but thats a given, theyd have to somewhat look like me if they got away with using my identification card and pin and thats their support for allowing everything I had taken from me in 10 minutes. Its been months snd I dont believe almost 9 months and stoll no support or help or care. Instead they closed my account and I cant believe they are getting away with allowing me to become a fraud victim due to their mishap. ImXXXX is to much money to be without and have stolen from you with no alerts or notifications. They let someone take my money. The masks do cover us up I get it but This should have never happened

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 2017-10-05
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I applied online for a Citibank XXXX XXXX card. At the end of the process, I was NOT given an opportunity to approve the XXXX XXXX. Thinking that final approval would be contingent on my acceptance of some credit limit, to be disclosed prior to my final approval, I hit the " next '' button and received notice that I had been approved ... .. for a {$4600.00} credit limit. 
That amount is far below what I require. 
Therefore, I do not want the card. 
I have spoken with numerous departments at Citibank to no avail. 
In my opinion, no one should be allowed to complete a card application until they have seen and specifically approved the credit limit associated with the approval.

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 2019-07-05
Company: Mercedes Benz Financial Services
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/2017, I applied for a car loan at Mercedes of XXXX, IL. The dealership ran my credit. I got 7 hard inquiries toward my XXXX credit report. However, I was never notified by my salesperson or financer that they would be pulling it that many times. I was under the impression my credit would only be pulled once. I would like to address this immediately and find a solution to how it is that I can get the hard inquiry remarks removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: EQUIFAX, INC.
State: TX
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:
I have disputed over and over and over again to the tradeline to ATTORNEY GENERAL-XXXX. They are reporting wrong information on my credit report for child support. I have NEVER been late on my XXXX XXXX payments. My XXXX XXXX payments come out my paycheck automatically every two weeks. There is not way I have ever been late. Im asking for the last time to have my credit report to reflect no latenesses and if you can not do that remove that negative tradeline from my credit report. I also need the name of the person who is reporting this to Equifax. Equifax need to get on the phone and call the attorney general office and get this straighten out. This is the last time I will request this to be fixed or my next course of action is to file a lawsuit. I have had enough of this. It seems the only way to get this right is to file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Facts : 1. In XX/XX/XXXX, I was displaced from my Chicago home because of COVIDs global pandemic. 
2. As a result, I was not receiving statements therefore, I was not able to keep an eye on the details of the statement. 
3. Three purchases were made under my account. 
a. Exhibit A i. XX/XX/XXXX two queens for {$980.00} 1. 12-month promotional purchase b. Exhibit B i. XXXX King size mattress for {$1000.00} 1. 6-months promotional purchase ( amount financed XXXX ) 2. This purchase was returned to the store for a defective item. 
c. Exhibit B i. XXXX- New King size mattress for {$1800.00} + Tax - 1. 18- month promotional purchase ( amount financed XXXX ) 2. This purchase was not correctly calculated as it kept the balance for the return on six months promotional and applied this amount to the new purchase. This is incorrect. 
4. Exhibit C The disproportionate impact on me from Covids Global Pandemic created hardship to minorities and a negative financial situation. There are clear and improper accounting errors made with the returned purchase which created the issue where more funds were applied towards a shorter expiration on the promotional offer and less towards the longer one. I wish the email would have read Promotional expiring shortly. But it does not! 
5. Exhibit D Since the payment was being made automatically, it continued to accrued interest and literally taking my limited funds during this very unfortunate time, due to Covid, on minorities as myself.

6. Exhibit E I caught the issue when I added an account and received the new bill at my new address. I uncovered this issue and called to ask for a full return of my disproportionate impact this is having on me as a XXXX 
7. Exhibit F I politely request a full refund as it could be viewed as a predatory lending practice to charge {$440.00} on a {$200.00} balance. 

XXXX XXXX XXXX XXXX XXXX, XXXX, TX 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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Please see attached documents. I have disputed an account that Transunion is reporting in error EIGHT times, since last year stating in XX/XX/2021. They have not been able to send me proof of how they " verified '' the inaccurate information. This is clearly an reporting error and a VIOLATION of FCRA and it is to the point that if this is not removed /corrected I will pursue legal action against 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 non-monetary relief
Consumer complaint received 2017-10-05
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
PNC bank is holding my client 's {$5000.00} in escrow funds even though they have been released by both parties Buyer and Seller. 

Back story : " 1. XXXX XXXX borrowed money from a NY based unscrupulous lender. The lender started legal proceedings against XXXX when the company closed its doors. They then served papers on PNC Bank to put a hold on XXXX funds. They are allowed to do this against XXXX Operating account ( XXXX money ) but not against XXXX Escrow account ( money being held for clients ). 
2. We believe PNC Bank acted improperly by allowing a hold on the Escrow account. Without directly agreeing with us, they have asked us to prove that the Escrow account is truly our clients money. We have provided that info and are awaiting their response. 
3. XXXX has been negotiating with PNC Bank and has made some progress. 
4. The Escrow account in question has over {$40000.00} in it, all of which is not XXXX money and should be released. We have asked that your {$5000.00} be released while this matter is resolved. '' I understand they are freezing the business account of XXXX XXXX, but the escrow account is not their money - these are funds held in trust for clients - and subject to release upon release by both parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: EQUIFAX, INC.
State: LA
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:
I have witness several inquiries on my credit report from XXXX, XXXX, and Equifax that were not created or authorized by myself. I have contacted each reporting bureau on XX/XX/2022 and shared my concerns. I have also placed a freeze on my credit report to stop further fraud opportunities. I was informed from an XXXX to create an FTC report and contact each company. I have contacted each company and all has refused to assist me with deleting these false inquiries. I will list the companies below XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, LXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  To, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: Experian Information Solutions 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ( Original Creditor : 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 2019-02-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I deposited three checks via mobile deposit.

I forgot to write my name to the pay to order section I called if they can cancel it and I will correct it but I was told it can not be cancelled. 

The funds was already debited from the check issuer but chase is still holding the funds because they said they can not verify the checks if they can not verify it then why they took the money from the check issuer? 

Checks was deposited XX/XX/XXXX,2019

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: Capital Accounts, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX/XXXX/XXXX I sent a letter Certified mail # ( XXXX XXXX XXXX XXXX XXXX ) to Capital Accounts LLC for valdidation of debt and HIPPA authorization. 

I requested that Capital Accounts provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Capital Accounts have not complied to this request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: OH
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:
I am, XXXX XXXX XXXX, a natural-born life breathing consumer submitting this complaint to CLARITY and there is no third party involved. CLARITY has violated 15 U.S. Code 1681b ( 2 ) by furnishing these inaccurate items on my consumer credit report WITHOUT MY WRITTEN INSTRUCTIONS OF I, THE NATURAL-BORN CONSUMER. I DEMAND REMOVAL/DELETION effective immediately and I DEMAND A COPY OF MY WRITTEN INSTRUCTIONS WITH A WET SIGNATURE. These items are inaccurate and different among all three credit reporting agencies. ( EXHIBITS PROVIDED ) I ALSO, DEMAND THE CLARITY VERIFICATION METHOD. WITHOUT RECOURSE. 
I HAVE WRITTEN YOU ONCE, AND YOU FAILED TO REPLY CLOSING THE CLAIM FRAUDULENTLY, IF YOU DO SO AGAIN I WILL FILE 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 explanation
Consumer complaint received 2021-05-18
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit 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 have made a purchase at Best Buy for new computer, it was not working, I returned computer to a store and was issued credit, but that credit was never applied to my credit card. I have contacted Citi Bank numerous time, they issued the best buy card and was denied credit, despite I have a credit slip from store.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid US Bank for a home appraisal and they are now saying they are going to refund the money I paid to get my home appraised. I am wanting to get rid of my PMI insurance due to having over 20 % equity in the home already. they want me to pay this PMI insurance so they are not being helpful. I purchased my house for $ XXXX and it is worth over $ XXXX. So they should remove my PMI insurance. I am having a terrible time working with US bank on this matter. They are making it next to impossible.

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 2022-08-05
Company: EQUIFAX, INC.
State: OH
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: ROBINHOOD MARKETS INC.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/22 I had my bank, XXXX XXXX, transfer to Robinhood XXXX {$1500.00} for the purpose of making some small investments. Repeated attempts to contact Robinhood via the website and logging in result in my being told to wait for an SMS message that will include a verification number needed to complete the log it. I NEVER receive this message. EVER!!!!!!!!!!! I try to call the company at the two listed telephone numbers and a recording on both numbers tell me I must log in thru the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: Experian Information Solutions Inc.
State: GA
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 have an open complaint ( Complaint # XXXX ) where Experian is allowing a creditor, XXXX, to report 4 Fraudulent Accounts with inaccurate information. Experian is allowing XXXX to change the charge-off dates on these Fraudulent Accounts. First, Experian should have already removed these accounts due to them being Fraudulent and not belonging to me. The other credit reporting agencies have rectified the issue ; however, Experian is refusing to correct the issue and delete the Fraudulent accounts from my credit report. Experian has responded back to the open complaint indicating they need more time. I am not understanding why they need more time to correct the issue when documentation has been submitted showing proof. Experian is continuing to allow the creditor to change the charge-off dates which is damaging my credit score by showing these accounts are newly reported and also Re-Aging the Statue of Limitations which is Illegal.

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 2022-01-05
Company: HYUNDAI CAPITAL AMERICA
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My name is XXXX XXXX my account # with Hyandai financial is # XXXX Hyandai fiance violated SCRA I have on several occasions called Hyundai financial to ask for assistance. I have unfortunately been a victim of identity theft. This effected my ability to pay for my bills. I tried to coordinate with hyandai financial so I could utilize my identity theft insurance. This would have covered my car payments. Unfortunately this never happened. When a customer is late your system automatically directs them collection department. I was never asked to send over my Court order and or police report. Even when I asked for a fax number so I could send the documents over. The collection department does not provide customer service. When I requested help I was repeatedly asked for my card number to pay the bill. Due to the identity theft unfortunately a lean/ Writ was placed on my checking accounts. The lean/writ were recently removed from my accounts on XX/XX/2022 due to my court order. This was the reason we had issues with paying the bill. Hyandai financial wronggully repossessed my car while we are also covered by SCRA. Hyandai did not obtain a court order to obtain my vehicle. The town truck company came on my mothers private property to repossess the car. have provided my husband 's the orders below. He's been XXXX due to COVID-19. He's also XXXX, although our SCRA coverage is active 90 days before active status and 180 days afterwards. Please contact me at ( 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 2022-04-05
Company: Lending Club Corp
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened two accounts based off the high interest the bank offered for balances above {$2500.00}. When I opened the accounts I only had the option to transfer up to {$500.00}, so I did. Once the account was opened I wanted to transfer $ XXXX into one and $ XXXX into the other but the bank has a {$5000.00} a day max transfer policy. If you do the math to move $ XXXX in $ XXXX increments you are talking over 63 days to transfer the funds plus I get cheated out of the interest they advertised. 

Another issue is unbeknown to me they installed tracker software to pull my XXXX  checking, savings and mortgage balance information into their website so it shows up on a dashboard on their site. I found out the tracker and blocked it but the dashboard still has my XXXX  information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection account notification on my credit reports for Credence Rm 11 XXXX XXXX for {$270.00} in which I do not awe. I have never done business with them and am currently doing business with XXXX and they have advised that I do not have an outstanding balance with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The vehicle was stolen and never late. When I called the creditor agreed to clear the late payments for excellent pay history and good will. Since the vehicle was stolen and this was the end of the loan period.

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