BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-13
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:
XXXX, XXXX A SOC SEC # XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX A SOC SEC # XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
We were offered a promotional 0 % transfer on our Amazon Chase card that we have held since XXXX. This is our primary credit card where we pay our balance off every month to avoid interest. We took the transfer to pay down some of a recent home equity line. We were given 12 months to pay off the transfer at the 0 %. we did XXXX and had a transaction fee of {$370.00}. 

However, when we started to pay our card the first month of the loan i noticed the payments were only being allocated to the balance transfer and not to our purchases that month. i called Chase to see how I could pay the new purchases first and then allocate the overage to the transfer portion since it is reflected in a different area on our statement. 

I was informed that I have to pay off the entire transfer and then the new purchases to avoid any interest on my new purchases. I was told that was in the very long disclosure. The spending behavior I have demonstrated for 13 years clearly shows that we do not intend to pay interest at 17.74 % on purchases. I am very upset by the way this is handled and the advertisement indicating a 0 % with a transfer fee. I was OK with the transfer fee and completely understand it, however I do not think I should be penalized twice for this transaction that was advertised as 0 % for 12 months. 

We took this transfer on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: PENTAGON FEDERAL CREDIT UNION
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: Card was charged for something you did not purchase with the card

Complaint:
PenFed CU XXXX # XXXX On XX/XX/XXXX, my XXXX credit card from PenFed Credit Union was lost/stolen, while I was visiting XXXX, XXXX, XXXX. I noticed the card was not in my possession that same evening, and contacted PenFed to report the card as lost/stolen, and dispute any unauthorized charges that were on the card. There was one approved charge and a few declined charges on the card. The approved charge which I am disputing is the following : XXXX XXXX XXXX XXXX for {$12000.00} PenFed agents were quick to lock my card, request a replacement card to be sent to my address, and give me a credit for the fraudulent transaction. Starting from XXXX, I kept receiving calls from somebody named XXXX, from a standalone firm, and not PenFed, doing the fraud investigation on behalf of PenFed, which is in itself ridiculous ... why is my private financial information even being shared with a 3rd party without my consent?! She left me 2 voicemails on my phone, and I kept trying to reach her, every single time, calling the number she had left. However, I was unsuccessful every time, and I left her voicemails with all the information she might have needed including the police report number, asking her to contact me via phone or email, if she still needs to talk to me. Today, On XX/XX/XXXX, I noticed the charge has been reposted onto my account, which has made me furious ... I really hope this is just a mistake with their system. To solidify my case, I have filed the police report # XXXX, Officer XXXX, XXXX # XXXX. 

The unauthorized charges on the XXXX credit card that PenFed CU is refusing to reimburse me for is as follows : XXXX XXXX XXXX XXXX for {$12000.00} I, hereby, request that PenFed CU stand by its zero percent fraud protection guarantee, and make me whole. The reporting of the fraud was prompt, within only a few hours of its occurrence, and it is their duty to do so according to law.

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 2023-01-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
There are accounts listed on my consumer report that I didn't authorize or have any knowledge of.

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 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are numerous credit cards listed on my report that I have no knowledge of. This was a result of malpractice or an error.

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 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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:
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. I told Transunion to reinvestigate these hard inquiries on XX/XX/XXXX : XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX However, they stated everything was complete and accurate. But Transunion has not removed these unauthorized inquiries. 


According to 15 USC 1681 ( 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 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 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. Also they aren't even in compliance with metro 2 credit reporting.

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 2023-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I am a XXXX XXXX XXXX and on XX/XX/XXXX I sent my landlord a rent check in the amount of {$7600.00}. The check was stolen from the post office mailbox and someone thru an ATM deposited the check into their personal account the next day XX/XX/XXXX. On XX/XX/XXXX the funds were withdrawn from my business XXXX account in error by Bank Of America. Bank of America called me on XX/XX/XXXX and asked me if I had authorized a third party check that was made out to an LLC. I responded that I had not and they told me they flagged the check as fraud and I had to go to XXXX and report it. I went to XXXX on XX/XX/XXXX and XXXX filed the necessary papers needed to reclaim the funds from Bank of America. AS of this writing I still have not gotten my funds returned to me. I have had numerous calls to Bank of America in which they responded they have 90 days to pass a judgement on the claim, and then another 180 days to return the funds, and for me to go back to XXXX as it is XXXX responsibility to go after the funds. I have been the XXXX branch in XXXX XXXX six times already and they keep telling me Bank of America will not release the funds even tho Bank Of America knows its fraud. I do not know where to turn to at this point. The funds are marked as fraud, XXXX submitted the proper papers and after four months I still can not get my funds back. My landlord now wants his rent for XXXX and I do not have the fund returned to me account. Bank of America admitted it was their error, then they also stated they have 180 days to return the funds!! Can you imagine, taking my money in error and not giving it back for at least 6 months. Any help will be appreciated, I do not know where to turn as I am hitting a dead end everywhere and my rent is now due. I have all papers to documented if needed. Thank you 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 2023-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I presented a Florida Direct Deposit Form from the State of Florida to XXXX XXXX, financial center assistant manager, at the XXXX, Florida branch of Bank of America and she refused to sign the state form, stating that Bank of America does not sign outside forms. I explained this was a state required form and the best they could offer for me was a standard Bank of America Non-Federal Direct Deposit Enrollment Request form. Their form does not provide their verification of my account, or their signature, which is required by the state of Florida. I asked them to provide me with a letter I could send to the state explaining why they would not sign the state form and they would not do so. They will not provide me with the required information from the state of Florida.

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 2018-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have two collection accounts on my credit file that are fraudulent. XXXX is allowing this miscarriage of justice. Dr. XXXX once said, injustice anywhere is a threat to justice everywhere. Equifax is only concerned with promoting their BRAND. XXXX XXXX XXXX/Capital One, and XXXX XXXX XXXX. has ruined my life. 
I can not get a V. A. Loan because XXXX is permitting these horrendous, horrifying, and horrific deeds. This is 100 % identity theft and XXXX ; XXXX XXXX XXXX. XXXX XXXX/Capital One does not care. C.F.P.B. must protect me from these bandits. It is all about their BOTTOM LINE. 
Each time these items are removed XXXX, XXXX/Capital One puts it back on my credit report, and XXXX is sanctioning it. They are trying to collect a debt that is not owed, fraudulent, and it should not be reported to my credit file. I have a police report! As a Veteran who fought for this country, and a XXXX XXXX XXXX XXXX they are treating me like the scum of the Earth. 
Please help protect me against these atrocious, and unspeakable parasites of a company. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello, I believe that I was impacted by the allegations that Navient has misapplied my loan payments. I recently refinanced my loan, and in the process of reviewing the amount that I had already paid to Navient, I noticed that every payment I made in XXXX was applied to interest ONLY, not to principal at all. One of the main reasons that I refinanced is that I felt I could never make headway on my student loan balance, and upon seeing that my payments were never going to principal, I see why I could not make headway. The record is very strange, in XXXX I paid very little to interest, and then suddenly in XXXX, ALL of my payments began to be changed to being applied to interest ONLY, despite the fact that I was on an income-based plan both years. I found Navient 's website difficult to use, felt that they made their website difficult to navigate and obtain clear information about my payments on purpose, and felt that they are difficult to communicate with. Now I see that these problems advantaged them- I was not able to easily see that they were applying all of my payments to interest only. I have contacted Navient to ask them to change the application of these payments, but am unsure if they will be able to do so now that the payments are over 2 years old and the loan has been refinanced. This problem resulted in my paying over {$24000.00} in INTEREST ONLY to my student loans and {$0.00} to principal for the whole year of XXXX. I am furious. I am struggling and scrimping to pay off my student loans. I have been pouring every dollar into my loans and I am furious to find that Navient has been taking advantage of my increased ability to pay. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax Equifax has in error XXXX XXXX the wrong amount of Loan as {$27000.00} which is wrong in in error by Equifax. 

My original loan was : XXXX not {$27000.00} as stated or showing on my credit report by Equifax. 

Equifax has in error to there reporting as stated on my credit report and information obtain or gathered as false and created by Equifax in error or obtain wrong by Equifax. 

XXXX XXXX did not supply delinquency information correct as stated by the letter I 'm providing as in XXXX : We did not supply delinquency information to credit reporting agencies. 
There XXXX XXXX is the originator of the loan and the owner of this account. 
And as stated XXXX XXXX did not have this loan as Equifax has for years XX/XX/XXXX,XX/XX/XXXX so Equifax reported for in error because the loan was transferred as stated by XXXX to this loan. The information Equifax has showing is in error and false by Equifax as stated by chase there was no loan in XX/XX/XXXX,XX/XX/XXXX as stated by Equifax Documents and loan amount provided by XXXX as proof. Loan was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Our Bank of America business credit card, with the number XXXX, offers rewards. I am writing to request a correction regarding a check that was issued to me. On XX/XX/XXXX, I received a check in the amount of {$5600.00}. The check number is XXXX. However, the Pay to name on the check was incorrect. 

To rectify the situation, I contacted Bank of America on XX/XX/XXXX, through the number XXXX. I requested a change to the Pay to name and asked for a new check to be issued. Bank of America acknowledged my request and provided me with a case number, XXXX, in a letter dated XX/XX/XXXX. 

Unfortunately, despite the passage of two months, I have not yet received the new check. As a result, in XX/XX/XXXX, I sent a letter along with a copy of the check to XXXX XXXX XXXX, XXXX XXXX, TX  XXXX. On XX/XX/XXXX, I received a response from Bank of America, including a new case number, XXXX. In their letter, they assured me that the new check would be mailed to me within 7-10 business days. 

Regrettably, even after one month had elapsed, I still had not received the replacement check. Frustrated by the ongoing delay, I called Bank of America on XX/XX/XXXX. They reassured me that they would address the matter promptly. However, it was not until XX/XX/XXXX, that I received another letter from Bank of America, which assigned a new case number, XXXX. 

Despite my continued efforts to resolve this issue, including contacting Bank of America once again on XX/XX/XXXX, I have yet to receive the corrected check. Their response was to provide me with a new ticket number, XXXX, and instruct me to call back in 5-7 business days. 

Throughout the period from XX/XX/XXXX to XX/XX/XXXX, I have been assigned a total of four case numbers by Bank of America. However, it is disheartening that they have failed to resolve the problem thus far. I am exhausted from this ongoing ordeal and have lost faith in their ability to rectify the situation.

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 2023-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This debt collector is falsely reporting the dates of this debt to the credit bureaus. They have reaged the account and need the original credit card debt information. This account should be at the statue of limitations but they have purposely changed the date to make the account look new when it is very old. I have tried to dispute this through the credit bureaus already without success to get the accurate information reported. Credit was opened in XXXX. I have emails with the date from that account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-11
Company: Experian Information Solutions 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:
I have contacted the credit company by certified letter asking them to take it off and that it did not belong to me about 6 months ago. They refused and had no prof it is my account. The company reporting is XXXX XXXX for a XXXX account alleged for on X/X/2015. I was never with XXXX I was with another company. I have even asked the credit bureaus and they have denied me my legal right as well. Please help.

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 2023-01-05
Company: Experian Information Solutions Inc.
State: MO
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 received i copy of credit reoport and found the following item to be " INACCURATE '' 1. XXXX XXXX XXXX XXXXXXXX XXXX XXXX Credit XXXX I have already sent disputes on these accounts and nothing was resolved. You have violated the United states code law 15 U.S.C 1681 a.1.a. Code 15 U.S.C 1681 section 604 A section 2 : 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 2020-01-01
Company: Comerica
State: NC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
The balance on my Direct Express card on which I get my SSA and SSI keeps fluctuating. On XX/XX/XXXX It was {$9.00} more than the day before, although no  transactions were made. 

On XX/XX/XXXX, it showed a deposit of {$170.00}, my SSI payment, but simple math proved only {$85.00} was applied to the balance. 

Yet again, today, XX/XX/XXXX, my balance is {$52.00} higher than it was the day before. 

I don't appreciate the incompetence and lackadaisical attitude of all involved who know of this ongoing issue. I don't appreciate having to worry about my money every waking hour, especially with my XXXX. I was ripped off in XXXX of last year and I was told I was responsible for charges made several states and hundreds of miles away from me. The customer service reps are rude and do not care. And most of all, I HAVE CALLED SEVERAL TIMES AND CAN NOT GET A LIVE HUMAN BEING THERE TO BE RUDE TO ME AND PROVE THEY DO NOT CARE.

Company response to consumer: Closed with monetary relief