BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I just found out that my identity had been stolen, in effort to clear my name I want to report that accounts had been opened in my name without my knowledge. I am requesting for these accounts to be removed from my credit report intermediately.

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 2018-11-06
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
NCB Management services has been constantly harassing me by phone, calling my cell phone while Im at work. Calling my company I work for now at least 40 times per hour and including to calling my family over and over. I do not owe them anything. They are attempting to collect on a debt that wasnt mine. When I had identity theft I reported XXXX as fraud, that was removed from my credit report, the bank then attempted to sell the fraud, now this company is harassing me. I do not owe this company any money. I had identity theft and the company received an FTC Affidavit.  Also they are impeding my work and calling my supervisor consistently this is not only harassment but abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: Collection Bureau of America Ltd.
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 a dispute with XXXX on XX/XX/XXXX on a collection that was made by Collecion Bureau of America on XX/XX/XXXX Confirmation Number : XXXX.I explain to them that is was only XXXX at the time of the collection i was not XXXX yet and that was without my consent they did an investigation and and there conclusion on XX/XX/XXXX was that the account did belong to me. and they made changes on my credit report that my birthday is XX/XX/XXXX and my previous addresses when i lived at current address sence i was XXXX my birthday is XX/XX/XXXX This is what they sent me XX/XX/XXXX The Results Of Our Reinvestigation Collection Agency Information ( This section includes accounts that have been placed for collection with a collection agency. ) >>> We have researched the collection account. Account # XXXX The results are : We verified that this item belongs to you. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *STATUS DATE *BALANCE DATE. If you have additional questions about this item please contact : Collecion Bureau of America, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX CBA Collection Bureau of Amer XXXX XXXX XXXX XXXX XXXX XXXX   XXXX CA XXXX : ( XXXX ) XXXX Account Number XXXX Date Reported XX/XX/XXXX Date Assigned XX/XX/XXXX Creditor Class Personal Services Client Name XXXX XXXX XXXX XXXX XXXX Original Amount {$190.00} Status Date XX/XX/XXXX Status Unpaid Date of 1st Delinquency XX/XX/XXXX Balance Date XX/XX/XXXX Balance Amount {$280.00} Last Payment Date Whose Account Individual Account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/18 I deposited {$2000.00} as an opening deposit for a new PNC bank account. The money was deducted from my outside other bank account but was never placed in the new PNC account. After 3 weeks of talking to PNC agents they informed me the money was at first " lost '' and then later jumped to say it was sent back to my original count. One agent told me the money was sent to a " XXXX account '' and I do not even have an account with this provider. It is XXXX XXXX the money originated from. Thus proving they sent the money back to a wrong account not owned by myself. After weeks of waiting and conversing with my main bank account provider- they informed me it was never sent back. PNC will not cover this {$2000.00} that they lost and will not give me any help. They told me to do a charge back at my original bank and I believe this is wrong and completely unnecessary because the money was mishandled in the hands of PNC. PNC bank should be the ones to reimburse me the lost money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative. Also, this item isn't mine please remove it : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: FL
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.

The letters are stated with items and issues.

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 non-monetary relief
Consumer complaint received 2019-11-06
Company: Exeter Finance Corp.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
This company is ruining my life. They have me in this loan with an inflated rate. The car was also totaled out and im willing to pay my balance off because i understand i am still responsible. i was told by one of their employees that i could settle for XXXX i signed documents and called the next day to confirm and they said the agreement was void.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : 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 explanation
Consumer complaint received 2017-11-05
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
While on vacaton in XXXX in XX/XX/XXXX, my citi card account received several charges I did not initiate. Got an email while I was there asking if I recognized the charges, checked a box saying I did not and sent the email reply. When I got home, had a number of phone messages telling me to call fraud investigator at citi bank. I did and confirmed my earlier email reply that I did not recognize the charges. Was told to destroy that card, a new one would be sent to me.
When I got my statement covering period thru XX/XX/XXXX, there was an additional fraudulent charge. Called ( XX/XX/XXXX ) to inform them of this charge and was told they could n't verify who I was so could not help me. 
When I got the new card, called ( XX/XX/XXXX ) the number on the card to activate it. After a very long time trying to do so, was told again they could not verify who I was and would not activate it. 
Received a statement for the period ending XX/XX/XXXX for the new card ( the one I had not been able to activate ) with a charge on it. Decided to try emailing from their website to see if I could get resolution. Sent email XX/XX/XXXX. received polite but totally inadequate responses. 
Finally decided to fax a letter ( XX/XX/XXXX ) stating I refused to pay the charge on the new account and requesting the account be closed. Since then I have continued to receive a new statement each month with additional charges added. I also get several emails each month about the charges not being paid. I also get at least one call a day telling me to call another number for a recorded message telling me to pay my bill. This harassment has been continual since XX/XX/XXXX up to the present.

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 2018-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am trying to access my capital one 360 checking account using a 3rd party app called XXXX and capital one is prohibiting me from accessing my own information using this. This is against the rules as they can not prevent me from accessing my own banking information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
I have the Capital one Venture XXXX credit card that offers {$300.00} annual in statement credits if one makes travel purchase from Capital One travel portal. I made the necessary purchase needed to qualify for this benefit on XX/XX/XXXX. 

Capital One promises to credit the {$300.00} benefit within XXXX business days but they say it can up to XXXX billing cycles. It has been more than XXXX billing cycles at this point at Capital One has not credit me back the {$300.00} in statement credits. 

I have followed up multiple times with their customer care and each time I am given a new date but there has never been any follow-ups from Capital one on this matter. 

The first time I raised a complaint about this issue was XX/XX/XXXX. Capital One assured me that they would respond within 10 days. Since I did not hear anything from them, I called again on XX/XX/XXXX and they promised to rectify the issue by XX/XX/XXXX. When I did not hear from them by XX/XX/XXXX, I followed up again on XX/XX/XXXX and they were not able to provide me with any resolution to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
Bank of America XXXX : We booked two flights with XXXX   airline from XXXX   to XXXX for {$970.00} XX/XX/2020. We also booked online a return flight from XXXX to XXXX  on a separate charge. Because of the COVID crises and XXXX Financial instability they canceled both flights and didn't provide a refund or any compensation. I reported to Bofa and they open a dispute. XXXX was not answering phones or providing any communication about the status of the flights. The return flight was later canceled and removed from my account. The outbound flight for XX/XX/XXXX was later canceled about XX/XX/2020. BofA charged the {$970.00} back on my account. I requested that it reopens because no service was provided. XXXX offered points to fly at a later date. however, at this time they offer no flights. 

I requested a refund, however, Bofa told me that the airline was offering a sufficient offer for services not rendered.

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 2017-11-05
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 bought a car at XXXX XXXX XXXX XXXX and they sold me an add-on installment contract for tires/repairs from a company called XXXX XXXX. The car was a lemon and I returned it to XXXX XXXX XXXX XXXX. They told me they would cancel the add-on installment contact from Line 5 because I returned the car and could not use this installment contact. I noticed 2 months ago that Line 5 reported me 30 days late to the credit bureaus and it severely dropped my credit scores. I called and they said they were sorry and they would fix it. I just pulled my credit again and now they have reported me 60 days late. This has XXXX my credit and my chances of buying new home for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-06
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My car payment was set up to automatically deduct from my bank account. It did this for 59 months. For the last month, it did not deduct the payment. They did not notify me of this, and if they sent me a statement, I must have tossed it as junk mail. 
Today I got a certified letter that the account was overdue and they were repossessing my car. 
I had to pay late fees & a payment by phone fee to pay the last payment that Nissan Motor Acceptance Corporation was supposed to have deducted from my checking account. And my otherwise perfect credit score now has a late payment thanks to Nissan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started the refinancing process with JP Morgan Chase Bank in XXXX of XXXX. It started off as a normal refi but the loan officer would request documents and then wait until the beginning of a new month to reach out and would then request those same documents again. A new loan officer was brought in and I faced the same issue. My credit has been run multiple times and I have sent and resent the same documentation to not avail. It is XX/XX/XXXX and I still have not closed on the refi of my home. I was locked in at a 2.61 % interest rate with a commitment letter but the company allowed that to expire as well. Now I am being told that I need to bring {$7000.00} to closing and I am not locked into the low interest rate anymore as the interest rates are now rising. All this with the company that already holds the loan to my home. I have had this loan with JP Morgan Chase Bank since XXXX and even with that I am still struggling to refinance. I am not taking any cash out of my house with this refi, simply looking for a lower interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX After reviewing my 3 Credit Reports in early XX/XX/XXXX I noticed that Wells Fargo incorrectly reported some months in XX/XX/XXXX where I was going through a Loan Remodification with them as late. However, I was not late with them because that was during the time I was given a new payment and a trial period where I could NOT be late or else the loan modification would have been forfeited. 

I sent the letter below to them address to XXXX XXXX at the XXXX XXXX, IA office on XX/XX/XXXX " From XX/XX/XXXX- XX/XX/XXXX I  was behind on my mortgage. In XX/XX/XXXX, the short sale process was initiated. I had to submit a Hardship Letter to Wells Fargo ( attached ) in XX/XX/XXXX. Up until XX/XX/XXXX Wells Fargo was asking for additional documents to push through the short sale ( attached ). 

In XX/XX/XXXX I was motivated to keep my house because Wells Fargo contacted me about the Loan Remodification program and in XX/XX/XXXX my loan remodification was accepted ( letter attached ) and I was put on the FHA HAMP trial plan from XX/XX/XXXX - XX/XX/XXXX. All of which I paid on time. I was working with XXXX XXXX/Home Preservation Specialist. 

However on my XXXX and XXXX  credit reports it indicates that I was 180 days late in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In addition, I was on time from XX/XX/XXXX through XX/XX/XXXX. 

Both credit reports have me listed as 180 days late in XX/XX/XXXX which doesnt make any sense, since my credit reports have me being on time the previous 4 months ( XX/XX/XXXX - XX/XX/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 2018-07-22
Company: The Law Offices of Gerald E Moore & Associates, PC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The collection company contacted me in reference to the debt owed. They stated if debt was paid in full it would be deleted from our credit report by the end of XX/XX/XXXX. My husband called and paid in full. It is now the end of XX/XX/XXXX and the debt is still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: EQUIFAX, 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 a dispute with equifax on XX/XX/XXXX on a collection that was made by XXXX XXXX XXXX XXXX on XX/XX/XXXX Confirmation Number : XXXX.I explain to them that is was only XXXX at the time of the collection i was not XXXX yet and that was without my consent they did an investigation and and there conclusion on XX/XX/XXXX was that the account did belong to me. and they made changes on my credit report that my birthday is XX/XX/XXXX and my previous addresses when i lived at current address sence i was XXXX my birthday is XX/XX/XXXX This is what they sent me XX/XX/XXXX The Results Of Our Reinvestigation Collection Agency Information ( This section includes accounts that have been placed for collection with a collection agency. ) >>> We have researched the collection account. Account # XXXX The results are : We verified that this item belongs to you. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *STATUS DATE *BALANCE DATE. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX CA XXXX : ( XXXX ) XXXX Account Number XXXX Date Reported XX/XX/XXXX Date Assigned XX/XX/XXXX Creditor Class Personal Services Client Name XXXX XXXX XXXX XXXX XXXX Original Amount {$190.00} Status Date XX/XX/XXXX Status Unpaid Date of 1st Delinquency XX/XX/XXXX Balance Date XX/XX/XXXX Balance Amount {$280.00} Last Payment Date Whose Account Individual Account

Company response to consumer: Closed with explanation