BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-17
Company: Experian Information Solutions Inc.
State: ID
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX- XX/XX/18 {$1000.00} XXXX XXXX- XX/XX/18 {$1200.00} XXXX XXXX XXXX-XX/XX/18 {$1800.00} XXXX XXXX  -XX/XX/18 {$3700.00} XXXX/XXXX-XX/XX/18 I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23
Company: EQUIFAX, INC.
State: IN
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } { Credit Bureau : XXXX XXXX XXXX XXXX } { Credit Bureaus : ALL 3 } { XX/XX/XXXX RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XX/XX/XXXX } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX XXXX XXXX XXXX }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX XXXX XXXX XXXX ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of completing the investigation. Thank you for your assistance in this matter, { XXXX XXXX }

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2019 XXXX XXXX contacted my father on a private, state issued phone ( he is a state police officer and that was his work phone ) which is not a number I had ever provided them with. They gave him private information about my debt and it's current status and told him they are taking legal action and that he needs to hire me a lawyer. I contacted them the same day and questioned how they even obtained his private work number and told them to stop contacting him and to only contact my number and gave them my number and made sure it was verified by them twice verbally. The on XX/XX/2019 my father was again contacted by XXXX XXXX   and told that I am being sued and need to hire a lawyer because I owe them money. They continue to call him on his private work line and I have requested that they cease and they have not. I have also explained to them that I am a college student and would pick my payments back up when I had the money as I do not have it now. I will be calling them again today to ask them once again to stop harrassing my father since they are calling him instead of me about MY DEBT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I am writing the delete the following information in my file. The items I need deleted are listed in my report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade commission and I also have enclosed copies of the Federal trade commission 's identity theft affidavit. Please delete the items as soon as possible this is really affecting my credit report which is stopping me from many opportunities. Also this will be my third time submitting these documents.

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 2021-06-30
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received a print ad from TD Bank in the mail in early XXXX advertising a {$150.00} bonus for new accounts. I was unbanked at the time so I opened an account on XXXX XXXX in time to have my XXXX direct deposited-a condition of the bonus. As well I continued the direct deposits until now. 
TD Bank now says I did not open the account with a link-whatever that means so no bonus. I approached the bank to resolve but very little action, I asked for email records of the bank officers back and forth to their rear-of-house team. I was denied access claiming that I needed a subpoena to receive, I reached out to customer service on the phone and was given several different reasons I can not get the bonus. Each time the reason was different. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: FL
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:
im an id theft victim. These accounts are not mine, XXXX XXXXXXXX XXXX {$5600.00} XXXX # NA XXXXXXXX XXXX XXXX {$6800.00} Authorized user XXXX # NA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: MS
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 Account # XXXX, has violated my rights.

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

15 USC 1681 Section 604 A 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 payment on a credit card account under an open end consumer credit plan as late

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I have attached proof of the fraud case i have been trying to solve with Bank of America. 
My checking and savings accounts were hacked on XX/XX/XXXX. 
Both accounts were emptied through XXXX transactions, online banking transactions and credit card payments. 

The money was completely withdrawn from both accounts from XX/XX/XXXX to XX/XX/XXXX. I have attached the proof of withdrawals with details included such as amounts, dates and transaction type. 

The Bank of America has returned only a portion of the money except for the withdrawals made through XXXX transactions for a total of {$13000.00}. 

We have submitted and resubmitted our fraud case to Bank of America several times and they have been prolonging their decision on the results of the case, since XX/XX/XXXX. 
I have waited several months, submitting documents and information from this case to Bank of America, just to find out the have denied my claim again. 

I want to report that this entity has not handle this fraud case professionally, they never submit any responses to my case even when they say they will send me correspondence, email me or call me once a decision has been reached, they never do. I am the one who is constantly calling the fraud department number and most of the time they do not have an answer for me ( even thought the timeframe they suggested has passed ). 

It is unimaginable that if they already returned part of the money involved on this fraud case, why would they deny the reimbursement of the XXXX transactions made on the same days of the other online banking withdrawals and other debits that were already reimbursed. 

These are my life savings and the sustain for my family, Bank of America does not seem to be willing to assist me after all the paperwork submitted proving I did not commit this fraud, including police report, letters explaining what happened and months of waiting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chase bank closed my credit card in this XXXX, XXXX, siting " association with a chase credit card, deposit or investment account that was previously closed ''. I have been paying the card on time and in full every month since I opened it in XX/XX/XXXX, I never once had an issue and I have been using it regularly for normal daily spending such as grocery, dining, clothing shopping. I called to ask for a specific reason, I was not given XXXX. I needed a credit card so I applied for another one issued by Chase in XXXX, XXXX and was granted one right away with a high credit line. A few days ago I received the statement from Chase saying they are closing this credit card in XXXX, siting the same reason. I called twice, emailed a few times asking for a specific reason but still was not given one. Again, I have not had any issues. I even checked my credit score, it is excellent. During the time I had the credit card, I had no issues, Chase never contacted me regarding any issues they might have.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
On XX/XX/XXXX I tried to cash a {$12000.00} settlement check at 3 Regions Bank in XXXX Florida. The first bank, located at XXXX XXXX XXXX XXXX XXXX, said they didn't have enough of moneyto cash the large check. The second bank, located at XXXX XXXX XXXX XXXX, discriminated against me by telling a lie about their check cashing policies. The teller told me he could not cash my check because I wasn't a member and so the bank could not put a hold on the check. I told him that I had just spoken with a someone before traveling all the way out there and that I believed he was discriminating against me because I was XXXX and had a large check. He said no the bank policy says they can't cash checks for non-members. I walked outside and called the Regions bank located at XXXX XXXX XXXX XXXX and was speaking with the same person while I was still at the XXXX location. He ( a manager I believe ) told me the bank called him and said they didn't have enough money to cash the check, but I told him the tellers just refused to cash it and that he may have spoken to the first bank I went to located at XXXX XXXX XXXX XXXX. I walked up to the teller again to get a clear understanding while I was on the phone with the manager, but this time two tellers said no it was against the banks policies. The manager I was speaking to on the phone heard them and told me he did not know why they said that and to come to his location and he would be able to cash the check if they could verify it. I started walking away from the tellers and told them that I will be filling a complaint. I ended up going to the Regions bank located at XXXX XXXX XXXX XXXX XXXX because that was the location I had spoken to the manager originally. That location said they wouldn't cash the check unless they could make a copy of my settlement letter which they had no business asking for because it was private. In the end I agreed and they copied my letter. Within 1 minute after copying my letter the teller said they couldn't cash my check because they couldn't verify it. I was confused at why they wanted a copy of my settlement letter first if they couldn't verify the check. This while ordeal was XXXX  and I know the second bank discriminated against me so I'm filling this complaint.

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 2019-09-10
Company: STATE FARM BANK, FSB
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This bank is horibke with me I want them to offer me a contactless debit card and credit card its not fair why cant this technology be released

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX made a mistake and had my legitimate accounts by Capital One flagged as Fraud. I've since then been given the runaround since XX/XX/XXXX from XXXX passing blame on to Capital One to resolve this issue. On XX/XX/XXXX after speaking with XXXX with Capital Ones Fraud dispute application department and was once again told that XXXX will need to contact capital one and acknowledge the error since I never disputed the accounts in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This is my XXXX  request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 non-monetary relief
Consumer complaint received 2019-01-17
Company: FIRST HAWAIIAN, INC.
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XXXX I started to make payments to a law firm of {$300.00} a month. After a few payments I started getting overdraft fees in big amounts. My money is tight and i made sure I had enough to cover. So I thought it was me. But in the last few months I realized that the bank was putting a hold on my account days before it was due which made me go into overdraft. Ive made a complaint twice with no response. It adds up to a lot of money that put me in a lot of hardships. 
XX/XX/2018 payment {$300.00} XX/XX/2018 overdraft {$90.00} XX/XX/2018 payment {$300.00} XX/XX/2018 overdraft {$150.00} XX/XX/2018 overdraft {$30.00} XX/XX/2018 overdraft {$120.00} XX/XX/2018 payment {$300.00} XX/XX/2018 payment {$300.00} XX/XX/2018 payment {$300.00} XX/XX/2018 payment {$300.00} XX/XX/2018 payment {$300.00} XX/XX/2018 overdraft {$120.00} XX/XX/2018 overdraft {$30.00} XX/XX/2018 overdraft {$60.00} XX/XX/2018 overdraft {$60.00} these are the ones I found and the reason I didnt get overdraft fees some months is because I had extra money at that time! 
overdraft {$120.00} XX/XX/2018 overdraft {$30.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Aspen Yo LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Gregory Funding bought my loan from XXXX XXXX on XX/XX/2021. Since this time they have refused to a knowledge my XXXX payment and repeatedly said that I was 30 days behind. I even emailed them my bank statement showing my payment was taken out by XXXX on XX/XX/2021. I ave also given them.an email from my loan officer at XXXX which states that they were wired the money from this payment and it was to be credited to my account. This payment was also acknowledged by an officer at Gregory Funding. I also have shown them my statement my XXXX as of XXXX showing that there are no past due statements. It is not my responsibility to do this but I have documented this for them anyway to expedite the progress to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Kimball, Tirey & St. John LLP
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I emailed you and advised you I do not know who you are or what this debt is you claim i owe you. 

Without contacting me you reported a collection to the credit bureau 's intentionally harming my credit like the cowards you are. 

I will not pay one red cent. According to your address it says you are based in California. Well I HAVE NEVER LIVED in CA, so how could i owe you almost {$5000.00}?! You see how you never can produce a signed contract when I dispute the bureaus? 

You have the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: EQUIFAX, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the third complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to XXXX, Equifax and XXXX. The complaint numbers were XXXX ( Equifax ), XXXX ( XXXX ) and XXXX ( XXXX ). The second attempt was made on XX/XX/2020 and was also accompanied by direct bureau disputes. Those complaint numbers were XXXX ( XXXX ), XXXX ( XXXX  ) and XXXX ( XXXX  ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my dispute on XX/XX/2020. This is not a delay : this is negligence on the part of XXXX, XXXX and Equifax, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by any of the bureaus to resolve anything. There has also been data that was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, XXXX and Equifax must be held accountable and to the standards clearly outlined in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
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:
XXXX XXXX is reporting a credit line without any legal authority. They are reporting this fraudulent criet to harass me and adversely effect my credit rating. XXXX had maintained they were transferred this account from XXXX XXXX XXXX. At the time the account was allegedly transferred, XXXX XXXX XXXX did not show any activity afterXX/XX/XXXX However, once transferred to XXXX in XX/XX/XXXX, they started their account history inXX/XX/XXXX with a 120 day delinquency. XXXX  has maintained they would report this account adversely due to the pending lawsuit against their predecessor, XXXX XXXX XXXX.
OnXX/XX/XXXX, XXXX XXXX XXXX admitted the Rescission Deed they filed inXX/XX/XXXX was invalid and ineffective. Therefore they had no loan to transfer to XXXX to collect. However, this credit line should be deleted from my credit report.
OnXX/XX/XXXX, the Court declared the Rescission Deed was invalid as well. XXXX is reporting false information to the bureaus and they are aware of the most recent decision by the Court, ad they are conspiring with XXXX XXXX XXXX creating a fraud against the Court 's, CFPB, and the credit reports. I 've attached a letter from XXXX dated XX/XX/XXXX, letter from XXXX XXXX XXXX 's attorney, XXXX XXXX Stipulation of Facts from XXXX XXXX and the Court 's order. I 'm demanding Equifax delete this credit line if XXXX ca n't prove they are legally required to report it.

Company response to consumer: Closed with explanation