BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-06
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX of 2017, I moved back home to my parents house and had my wifi transferred over. Within a few days of me moving back, a technician came out to wire everything in the house. A week or so after everything was connected, I tried to access XXXX using the wifi and I was no longer able to so i Called XXXX XXXX XXXX and asked them why my internet was disconnected and they told me that I had called and asked them to disconnect the internet, which I never did and they have no record of that. On top of that, the wifi box was mounted on the wall and XXXX XXXX XXXX has it written in black and white that mounted or wired devices need not be returned. They proceeded to put this charge of {$170.00} on my account and refuse to remove it because they know that they are in the wrong. My next step is to take them to court if they do not remove this debt from my credit.

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 2020-05-06
Company: EQUIFAX, INC.
State: AL
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:
In XXXX of 2020, I disputed an item that was fraudulent ( XXXX XXXX XXXX-acount # XXXX ) on my credit report with the three credit bureau XXXX, Equifax and XXXX  for this fraudulent account to be removed from my credit report. I asked for verification from XXXX XXXX which is self lender loan, to show me where I sign up for this account and how would this loan be paid for. I did not sign up for self lender and I placed fraud alert on my credit report So nothing else would come up on my report in my name fraudulently and addressed this issue with the credit bureau in my dispute letter that I don't know where this comes from. I also reached out to XXXX XXXX XXXX and could not receive any information from them so I'm reaching out to the cfpb to get some resolution to this fraudulent account that was placed in my name.Because clearly this is identity theft and no one is helping me with this matter. I don't know how much wood this was a loan that was set up in my name fraudulently and apparently whoever did it made two payments out of a bank account that clearly is not mine. But I'm not getting any response from the three credit bureaus or XXXX XXXX XXXX. So I'm asking for an investigation to show me where I signed up for this loan and to have it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized Credit Inquiry ( s ) To Whom It May Concern : I have been contacting Equifax to inform them that these hard inquiries listed below were not authorized by me and I wish to have them deleted. Some person or persons within ( Equifax XXXX Consumer reporting agency has knowingly and willfully provided information about me to a third party not authorized to receive such information, all in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C.1681. My information is that the unauthorized recipient of this information is XXXX. 

Since I never gave permission for anyone to inquire about my Credit Status, Equifax are unauthorized. Furthermore, their continued existence on my Credit Report represents inaccurate information, which under the Fair Credit Reporting Act, must be removed. 



As I am sure you are aware, Section 1681 ( r ) of the FCRA prohibits such acts and provides for the following sanctions : Any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agency 's files to a person not authorized to receive that information shall be fined under title 18, United States Code, imprisoned for not more than 2 years, or both. 

This letter shall further serve as demand that your agency thoroughly investigate this matter and provide me the result of your investigation forthwith. Moreover, I expect your agency to immediately cease all such communications to unauthorized third parties. 

Here are all the unauthorized credit inquires on my report that should be removed immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX Date XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Many attempts to fix this account but without any contact information it very tuff to make contact to update the situation at hand of my Identity theft and the errors involved.

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 2019-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Many attempts to fix this account but without any contact information it very tuff to make contact to update the situation at hand of my Identity theft and the errors involved.

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 2018-07-06
Company: ZIONS BANCORPORATION
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a cash deposit into my checking account on XX/XX/18 at XXXXXXXX XXXX PST. On XX/XX/18 at XXXX XXXX  PST I logged onto my account and see that this deposit has NOT been credited to my account. This has made my account go to a negative status AND I was unable to withdraw cash this morning at XXXX XXXX PST. 
This is UNACCEPTABLE. There is no excuse or reason for this other than the bank 's error. I called their headquarters when they opened at XXXX XXXX Mountain Time Zone, XXXXXXXX XXXX PST. They said there is nothing they can or will do and to go into my local branch when the bank opens at XXXX XXXX. I was going out of town this morning, leaving at XXXX XXXX, and have cancelled my plans due to this error. I have very little money and this has altered my plans and created undue stress for me. There is no valid reason for this to occur.

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 2018-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was unable to make my payments on time for my Capital One credit card due to a job loss. My job ended for a 90 period in XX/XX/2018 due to the rules of the company I was working for. It was intended that I would o back to work in XX/XX/2018. When this happened I informed Capital One that I may have some issues in making my monthly payments but would be back on track and pay any past due amounts as soon as I was back to work. I kept in communication with Capital One the entire time with updates. In XX/XX/2018, I was informed that the job I was slated to go back to was delayed until XX/XX/2018. I informed Capital One. I was informed on XX/XX/2018 that the job I was slated to go back to was no longer available to go back to. I informed Capital One again and even made a {$300.00} payment on XX/XX/2018 to pay all past due amounts and get the account current. I began searching for work and informed Capital One that I would not be able to make monthly payments until I found work. I found work in XX/XX/2018 and paid all past due amounts as well my current XXXX payment with a payment of {$330.00} on XX/XX/2018. I made an additional payment on XX/XX/2018 of {$87.00} to cover my XXXX monthly payment only to find that my credit card was placed in a restricted status by Capital One. I called and spoke to representatives at Capital One beginning on XX/XX/2018 to find out why my card was restricted when I had everything paid up to date and to have the restriction lifted. I was told by Capital One that my card was restricted because back in XX/XX/2018 my account had become 120 days delinquent. When I made the XX/XX/XXXX payment of {$300.00} I was offered a program to have the restriction lifted. The rules of the program were that I would have to make 3 consecutive on time payments to have the restriction lifted. I was NEVER informed of this program or it's rules and was done without my agreement because at that time I didn't have a job and therefore could never commit to making on time payments. I was also informed that this program started in XX/XX/2018. Capital One also informed me that they would not lift the restriction because I was placed in a program and did not adhere to the rules of making 3 consecutive on time payments. The issue is that Capital One refuses to lift the restriction on my credit card because I did not adhere to the rules of a program that I was never notified I was in. They claim they sent me a letter on XX/XX/2018 but the letter was never received by me. They claim that the letter would have also been online when I went to my account and to this day there are no documents online. I am basically being punished for breaking rules of a program I was fraudulently placed in to begin with and that is wrong on all levels.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello! 

I already open the disputes and I requested proof of ownership and they could not prove that this account belongs to 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 2019-04-05
Company: EQUIFAX, INC.
State: VA
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:
All three bureau have not updated my credit report regarding my credit history with XXXX XXXX for more than 10 year of establish credit history. 

Equifax has not investigated Mister XXXX 's medical bill that is in collection which was paid for by Medicare and Medicaid. 

Equifax has not removed the bankruptcy from mr. XXXX credit report after investigation show that the case is closed and dismiss. 

All three credit bureaus as nodt conducted investigations regarding all inquiries on all three credit reports. 

On XX/XX/XXXX my student loan that what's paid in full nevertheless none of the three credit report has my accounts il paid in full required by the law. 

On XX/XX/XXXX all three credit bureaus delete it my student loan credit history after making a payment and XX/XX/XXXX. 
All three credit bureaus has refused to conduct any investigation from XX/XX/XXXX to XX/XX/XXXX regarding student loan debt collection items and establish credit history There is no supporting facts to support that any investigation has been conducted.

All three credit bureaus has refused to conduct investigation from XX/XX/XXXX to XX/XX/XXXX under the fcra I am totally XXXX a limited on resources it has established my credit history why working with various difference institutions dividing my student loan debt nevertheless all three barrels are refusing to report accurate information from the department of education and XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-19
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Wednesday XX/XX/2019 I deposited a XXXX XXXX   XXXX check from XXXX XXXX XXXX XXXX payable to me in the amount of {$4000.00} via Chase Mobile App XXXX XXXX. The mobile app prompt stated my current mobile deposit limited was {$5000.00} and also stated that deposits by XXXX XXXX  ET will typically be available for withdrawal the next business day, " if we need to review your deposit, it may take a little longer for your money to be available ''. So i proceeded with the deposit. 
On Friday XX/XX/2019 I noticed in wasn't showing as available and I called customer service at XXXX XXXX. I was asked a series of questions about the check, which I answered and was told the check might be " bad '' and if good to expect availability to be on XX/XX/2019. I asked if Chase could release a small amount and was told no. I than called back approximately a half an hour later to ask what type of hold it was and told a " system '' hold and again told I couldn't have even {$200.00}. I had {$29.00} in my bank account during these conversations with Chase.

I have direct deposits going in weekly and monthly, I have had the account for over two years, and have one or two instances of insufficient funds under the amount of {$20.00} ( not including fees ). I understand why and what prompted the fraud alert ( large amount ), however I thought there were laws that made a small amount available.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: Capital Accounts, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My credit report is showing a collection debt for a medical bill, which was paid in XX/XX/XXXX : Company : Capital Accounts LLC XXXX XXXX XXXX XXXX, TN XXXX Original Creditor Name : XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$240.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX sold my loan to XXXX XXXX and added {$25000.00} to the loan after making a payment to them at the same time. Behind one payment. Only transferred half of the payment to XXXX XXXX and this was the beginning of my problems. This put me behind and had to make up the difference. My original purchase of this single family home was purchased for {$22000.00} on XX/XX/XXXX. After XXXX sold the loan after acquiring the mortgage from XXXX XXXX went bankrupted and added {$25000.00} which made the loan {$250.00}. We lived in this home for 7+ years and stated we were 381 days late with payments.. Payments began at $ XXXX a month, after the loan was sold, I was NOT allowed to refinance this loan using my XXXX. or VA benefits. The story is incredible and I have just found the right people to voice my concerns. Bottom-line was I had to do a Dead-in-Lieu to avoid Negative Credit Implications. The house was sold in XX/XX/XXXXand my family and I moved to XXXX AZ after during a deed-in-lieu to make a new start. I am a Veterans of 22 years service, XXXX XXXX and this issue has plague my mine for years and I truly need to try and recoup my funds that appears to have been stolen. I have the receipts for the payments as well which makes this unbelievable. XXXX XXXX did an audit as requested of the account and their documentation looks to be okay but confusing. I was in Bankruptcy during this same time of the transactions and all my funds were accounted for by the Courts why payments were still being paid at the time to XXXX XXXX and too much info to explain here. See attached documents to explain the documents received from XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: REPUBLIC MORTGAGE HOME LOANS, LLC
State: MS
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:
Trying to get my credit report accurate and remove legally items, that have been removed and placed back on my credit. If tis doesnt work I will hire someone to do so immediately

Company response to consumer: Untimely response
Consumer complaint received 2022-08-10
Company: JPMORGAN CHASE & CO.
State: DE
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:
JPMCB REPORTING A BUSINESS CREDIT CARD ON XXXX WITH A BALANCE OF {$33000.00}. This card does not belong to me I have no association with the business and did not open the card. XXXX continues to report this fraudulent account on my report even though I disputed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I contacted Citi through their website ( terrible website ). I was told they do not have any customer service in the United States ; I could barely understand this person, he couldn't speak English. He refused or couldn't communicate with me regarding the interest rate that Citi is charging me nor transfer me to anyone that could help me. I called Citi by phone, the person that answered the phone could not speak English. The interest rate that Citi is charging me is XXXX. Citi -and a few others banks-owns the federal government and stole {$25.00} XXXX, excuse me it's called Covid, Citi 's rapacious interest rate on my account is egregious.

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 2017-12-01
Company: LendUp Loans LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I received a notice from XXXX pursuant to Wisconsin Law for notification addressed to " Spouse of _______ '' of a payday loan with an annual predatory percentage rate of 243.33 % with a total payment of {$540.00} that my estranged husband obtained apparently last month without my permission or knowledge. I have filed for divorce this past summer and a temporary order is filed in the courts awaiting finalization soon. I have been unable to get a hold of a customer service agent for XXXX to let them know of this situation. I am a Michigan resident now and my estranged spouse obtained this loan in Wisconsin.

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 2018-01-07
Company: Coinbase, Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Bought XXXX dollars in Ethereum. Entered in my correct birthday information on the website, but I accidentally entered in my age wrong when setting up a XXXX to link the money to as under XXXX I have n't been given an option fix the date and instead my account is just suspended. Sent them pictures of my drivers license and later got an E-Mail that they were unable to verify my drivers license, but when I go to the website, it says my identity has been verified but my account is still locked from buying and selling.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Experian Information Solutions Inc.
State: AL
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:
In XXXX of 2020, I disputed an item that was fraudulent ( XXXX XXXX XXXX-acount # XXXX ) on my credit report with the three credit bureau XXXX, XXXX and Experian for this fraudulent account to be removed from my credit report. I asked for verification from XXXX XXXX which is self lender loan, to show me where I sign up for this account and how would this loan be paid for. I did not sign up for self lender and I placed fraud alert on my credit report So nothing else would come up on my report in my name fraudulently and addressed this issue with the credit bureau in my dispute letter that I don't know where this comes from. I also reached out to XXXX XXXX XXXX  and could not receive any information from them so I'm reaching out to the cfpb to get some resolution to this fraudulent account that was placed in my name.Because clearly this is identity theft and no one is helping me with this matter. I don't know how much wood this was a loan that was set up in my name fraudulently and apparently whoever did it made two payments out of a bank account that clearly is not mine. But I'm not getting any response from the three credit bureaus or XXXX XXXX XXXX. So I'm asking for an investigation to show me where I signed up for this loan and to have it removed from 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 explanation
Consumer complaint received 2023-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Some used ATM card without permission clean out account

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