BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, I am currently enrolled with Marylands Pandemic Emergency Unemployment Compensation that was recently partnered with Bank of America, where MarylandUE would send my weekly paychecks of {$540.00} to a Bank of America checking account. 
( BOA website : XXXX : XXXX Maryland Department of Labor Unemployment Portal : https : //beacon.labor.maryland.gov ) On XX/XX/XXXX I tried to access my Checking account and was notified it was closed and that I need to have Maryland 's liaison with Bank of America ( BOA ) send BOA " information proving my qualification for payments ''. They said after I call Maryland, it will take 2 business days to correct. 


On XX/XX/XXXX, when they opened, I called Maryland Unemployment who assured me i was verified qualified and did not understand what BOA wanted as there was no indication for Maryland that any information was incorrect. Maryland said they put a note on my account and that it was up to BOA to fix. I spoke with 3 different operators this day and was told the same thing. 


On XXXX, and XXXX I called each day multiple times ( I stopped counting at 10 ) but was told every time that neither institution could do anything and to call the other. Starting XX/XX/XXXX, Maryland severed their ties with BOA so on XXXX the Maryland operators explained they no longer work with BOA and could do nothing themselves as they no longer have a BOA liaison. Most were completely unaware what BOA was referring to. 


I called BOA again on XXXX to see if I could retrieve my past funds any other way or prove my identity any other way and was refused, stating that their system wont allow any manual changes and it the system will automatically correct in 2 days after " Maryland verifies it ''. 


As of XXXX, Bank of America is still withholding the {$1600.00} from my 3 past paychecks and will not accept any method for me to prove the money was intentionally sent to me. My state sponsor has obviously approved my account if they are still sending payments to it. BOA even accepted the payment from Maryland on XX/XX/XXXX to my BOA checking account they closed on XX/XX/XXXX. 


TLDR ; BOA closed my checking account that had {$1000.00} in it, on XX/XX/XXXX claiming i needed to verify MarylandUE is paying the correct person ( me ), will not accept any means of verifying myself, but still collected the last payment Maryland Unemployment sent to them on XX/XX/XXXX, totaling {$1600.00} that they are withholding from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/ I paid what I thought was a trusted source for a piece of furniture for {$300.00}. It ended up being a scam with the email being off by a letter. I requested the money back from the recipient and they declined the request. I immediately filed a fraud claim with Chase and they said they could not refund me since it was an authorized payment. Even though I was given false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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: Account information incorrect

Complaint:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under XXXX5 USC 1681 ( a ) 3. Experian, XXXX and XXXX assumed this role without permission not only that I never did give my consent. Experian, XXXX and XXXX did not respect my right to privacy which is under 15 USC 1681 ( a ) 4. Experian, XXXX and XXXX did not exercise grave responsibility, Experian, XXXX and XXXX were unfair, Experian, XXXX and XXXX were partial. 

I am taken the liberty to file a CFPB report and an attorney general 's complaint. Experian, XXXX and XXXX never had a permissible purpose Under 1681 ( b ) 2. I never instructed Experian, XXXX and XXXX to furnish this report and I never consented to this report in the first place.

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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I did not open these accounts please remove

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 2023-02-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent letters to all three credit reporting agencies stating the following : There are things on my credit report that I believe are inaccurate and false, I want you to know that I take my financial obligations very serious, and if it werent for these few inaccuracies, Id have an excellent repayment record. Please consider this a formal request to investigate and correct the following items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I ask that you re-verify each of these items, and that the inaccurate items be deleted from my record.

Item Number Company Name Account Number Comments 1. Late payments XXXX XXXX XXXX XXXX This is not consistent of my timely payments, is not reported across all credit reports, & in inaccurate. 

XXXX. Late Payments XXXX XXXX XXXX XXXX XXXX  This is not consistent of my timely payments, is not reported across all credit reports, & in inaccurate. 

XXXX Late Payment XXXX XXXX XXXX XXXX This is not consistent of my timely payments, is not reported across all credit reports, & in inaccurate. 

XXXX. Late payment XXXX XXXX XXXX XXXX XXXX XXXX This is not consistent of my timely payments, is not reported across all credit reports, & in inaccurate. 

XXXX .Inconsistent open dates Throughout credit reports Not consistent among the three. 

XXXX. Inconsistent payment date Throughout credit reports Not consistent among the three. 

XXXX. Inquiries done by XXXX XXXX XXXX XXXX  which I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2021 the Company had predatoary charges on cleaning and unknown and unstated and unfair amounts. 
The quality of these items are not ment to withstand a 12 month lease. The initial amount {$480.00} - {$110.00} for an additional day of moving out. Therefore leaving a disputed frivolous amount of {$360.00}. The apartment management refused to recognize the additional frivolous charges with a detailed answer on the charges and instead sent a final request for {$280.00} due within so many days before it was sent to collections. Without any additional documation on what frivolous charges had been removed from the original amount of {$360.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
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: Information belongs to someone else

Complaint:
These accounts are fraudulent and need to be deleted from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please delete these alleged accounts as soon as possible. I reported this and have also included the FTC Affidavit that lists the fraudulent accounts. I have also made a complaint with the CFPB. Please remove these alleged accounts as they are causing a substantial amount of harm and inconvenience to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: IN
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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.

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 2023-05-12
Company: LEXISNEXIS
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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Four flights were made pre COVID 3 have been credited and one remaining XXXX {$32.00} flight made same day XX/XX/XXXX as XXXX XXXX XXXX {$33.00} ) still has NOT been credited. 

We are at the home stretch to get back to normal for all charges and credits for SERVICE NOT RENDERED on my account I want to give gratitude to CFPB to help me with Capital One 's attention to this matter after 8 months of communications Thus, I hope I can after 8 months (! ) to get final credit of XXXX {$32.00} plus remaining credit of interest charged {$5.00}. 

Here is breakdown of my analysis : Interest charged : Interest Credits given : XX/XX/XXXX {$8.00} XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX {$40.00} + XXXX XX/XX/XXXX XXXX Total XXXX XXXX Chargeback and credit remaining : {$510.00} + XXXX due to resolve this matter I have autopay set {$310.00} less XXXX pending resolution of final chargeback plus interest I hope we can close this matter with CFPB help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX, has violated my rights. 
Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: EQUIFAX, INC.
State: MD
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:
On numerous occasions I have reached out to the credit bureaus to correct my account status from charge-off to included in bankruptcy and have been unsuccessful in having this removed/updated. I would like to have this done as quickly as possible because this is causing me some problems in establishing a mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
can not qualify for loan because information on my credit report is not accurate. The delinquencies have all been cleared up but my reports do not reflect any of this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-05
Company: 3rd Generation, Inc.
State: CA
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:
On XX/XX/19 I received a phone call from my daughter XXXX XXXX who has an auto loan with XXXX XXXX XXXX, she informed me that she just got off of the phone with XXXX credit manager who basically threatened her to send in a payment of XXXX by XXXX XXXX that date. Daughter who has been late with her payments due to the recent camp fire that not only destroyed our home, but lost her source of income due to business burned up, has looked to me to assist in making her payments. Granted payments were late, but non the less they were sent. Therefore I called XXXX XXXX XXXX   which I have permission to do so by my daughter and was transferred to XXXX the Credit Manager who was not only rude and had extremely poor customer service but had the same arrogant behavior that my daughter stated she encountered. I asked for his supervisor and he said that he was his own supervisor, I asked for his last name ; and he said that I only need to know his first name and hung up on me. The entire conversation with XXXX, he was rude and condescending and kept stating " you have 10 minutes '' meaning we had till XXXX to send the XXXX payment through XXXX XXXX. I attempted to make the payment through XXXX XXXX as requested but ran into problems with logging in. Therefore I called XXXX XXXX XXXX again and asked to speak to XXXX supervisor ; explained what happened and was informed that XXXX was his supervisor and was given her email and phone number ; I attempted to call XXXX ; which went to voicemail, left a detailed voice message and requested a return call. I also sent her an email explaining what has happened and as of this date ; still have heard no response. I called XXXX XXXX XXXX  at least 5-6 times within a 3 hour period and maybe 2 of the calls were handled appropriately and information was told to me that my information would be passed unto the appropriate parties. Almost 24 hours I still have not heard from anyone. I am extremely upset at the matter XXXX " the credit manager '' feels the need to bull dog or threaten consumers that if they don't make a payment by XXXX XXXX  today, that they are coming to repo the car. Maybe you should look into how a company is so willing to finance an XXXX year old who was working less then part time at a restaurant be financed on a $ XXXX automobile. Very disappointed in the professionalism and tact this agency has showed me or my daughter. I don't care what you say, NO ONE ever deserves to be treated in a matter of disrespect that XXXX the credit manager and his superiors have shown.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
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 need some help this is my 4th time reaching out, I did an investigation on my credit report which caused me to develop XXXX and XXXX upon finding out that unverified, invalid, and inaccurate information is on my report. I want my report to 100 % right. 

In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX of XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXXXXXX. 


has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions Thank you very much for your time.

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 2023-02-19
Company: EQUIFAX, INC.
State: NV
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 filed a dispute several times and never received a response from XXXX XXXX and I sent them letters twice in the last 6 months and I am tried of it. They never responded to me an I allowed them more than enough time even past the time the law allows. I noticed that you are reporting this item on my consumer reports as a charge-off with a balance. I am writing to understand which portion of this alleged debt was charged off or cancelled because I do not recall receiving a 1099-CXXXX From my understanding, I am supposed to receive a cancellation of debt tax document so I can report this amount on my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: EQUIFAX, INC.
State: SC
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:
THIS IS NOT A REPORT OF IDENTITY THEFT This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : XXXX XXXX Balance {$3200.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance {$530.00} Original Creditor : XXXX XXXX XXXX XXXX Balance {$100.00} Original Creditor : XXXX XXXX XXXX XXXX Balance {$130.00} Original Creditor : XXXX XXXX XXXX XXXX Balance {$210.00} Original Creditor : XXXX XXXX XXXX Receivables Balance {$280.00} Original Creditor : XXXX XXXX XXXX Receivables Balance {$220.00} Original Creditor : XXXX XXXX XXXX Receivables Balance {$1300.00} Original Creditor : XXXX XXXX XXXX Act. #  XXXX Balance {$200.00} This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the HIPAA, Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

Company response to consumer: Closed with explanation