BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-08
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: Public record information inaccurate

Complaint:
there are two dismissed bakruptcies on my credit reports with transunion XXXX  and XX/XX/XXXX that are not supposed to be on there and none of the companies will remove them also there are a bunch of fraudulent inquiries on my reports that i did not apply for

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 2021-04-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a SBA loan as a self-employed individual ( XXXX XXXX ). SBA was aware of my status when the loan was approved and issued the funds. I received the funds in my personal Chase checking account and a couple of days later Chase froze my account, including funds previously held in that account and unrelated to the SBA loan.

I provided my 2019 income tax and Schedule C as proof to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17
Company: JPMORGAN CHASE & CO.
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, XXXX and JPMCB AUTO FINANCE add a hard inquiries on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX entered into a consumer credit transaction with Credit Acceptance Corp on XX/XX/2020. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Credit Acceptance Corp took cash. The finance charge is supposed to include insurance, but Credit Acceptance Corp made me purchase insurance separately.

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 2021-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
ON XX/XX/18 XXXX XXXX XXXX OPENED AN ACCOUNT IN MY NAME. I AM UNABLE TO VALIDATE THIS DEBT AND HAVE REASON TO BELIEVE IT IS FRAUD. 

TO DATE XXXX, HAS REPORTED {$430.00} AS A COLLECTION ACCOUNT. I AM UNAWARE OF THIS ACCOUNT AND DID NOT AUTHORIZE IT

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 2021-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX I applied for a Secured Unlimited Cash Rewards Platinum Plus Visa card with Bank of America. Reference # XXXX. My application was denied the same day. I received a letter stating that one of may accounts was included in bankruptcy or thy received notification of my intent to file bankruptcy. Both of these allegations are false. Bank of America did not validate/verify any of this fraudulent information through me in regards to me. I do not have any accounts from Bank of America included in a Bankruptcy and I have not informed Bank of America of any intent to file bankruptcy. They are receiving inaccurate information in regards to me as the consumer without receiving factual information from me. The Fair Credit Reporting Act ( FCRA ) is intended to inform consumers about the accuracy and fairness of credit reporting in pursuant to 15 USC 1681. Denying me of getting a secured credit ( using my own funds ) is not accurate and fair.

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 2020-12-13
Company: Resurgent Capital Services L.P.
State: OH
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:
A fraudulent derogatory account remains on my credit report after repeated attempts to have it removed. I have never conducted business or come into any verbal or contractual agreement with LVNV FUNDING! Per FDCPA XXXX5 USC1692, I demand these accounts to be removed from my credit report, as it is illegal and slander. LVNV FUNDING Account numbers : XXXX account XXXX. I am constantly harassed, with false lawsuits, and constant phone calls! I cant hardly cope with life because of this erroneous defamation of my character and threats to my livelihood! Help me please! Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Experian Information Solutions Inc.
State: WA
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 have submitted a dispute with Experian and they keep responding that XXXX certified accurate. That is impossible because I have never had any account they claim.

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 2021-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2019-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I'M HAVING A PROBLEM WITH BANK OF AMERICA REGARDING MY CHECKING ACCOUNT, ROUTING NUMBER XXXX CHECKING ACCT XXXX ON THE AFTERNOON OF XXXX XXXX PRIOR TO CLOSE OF BUSINESS DAY, I DEPOSITED THE ATTACHED CHECK FROM MY OTHER BANK XXXX LOCATED .25 MILES AWAY FROM B OF A.THE MACHINE PUT A HOLD ON THE CHECK FOR 9 DAYS.THE CHECK PAID THAT NIGHT AROUND MIDNIGHT ( THE FUNDS LEFT MY XXXX ACCT. ) SATURDAY XX/XX/19 RIGHT NOW THE FUNDS ARE STILL ON HOLD, NOT SHOWING IN MY AVAILABLE BALANCE.THE ACCOUNT ONLINE HAS NOTED THAT THE FUNDS WILL BE AVAILABLE ON XX/XX/XXXX AT XXXX. 
I SPOKE TO BOFA BANK MGR AT MY BRANCH, I SPOKE TO BOFA CUST.SERV. IN SO CAROLINA, I SPOKE TO BOFA FRAUD DEPT ... ALL WITHOUT RESULTS.I WAS TOLD BY SO.CAROLINA C.S. THAT ONCE BANK OF AMERICA HAS THE FUNDS THE HOLD WILL BE RELEASED.I WASN'T BORN YESTERDAY AND I KNOW THAT THIS CHECK HAS ALREADY CLEARED THE FEDERAL RESERVE AND BANK OF AMERICA HAS THE FUNDS. 
I BELIEVE THAT BANK OF AMERICA IS IN VIOLATION OF BOTH THE SPIRIT AND LETTER OF THE LAW REGARDING DODD-FRANK AND CHECK CLEARING.

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 2020-10-10
Company: Chime Financial Inc
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, On XX/XX/2020 a charge for XXXX to XXXX XXXX XXXX XXXX appeared on my Chime bank account. I did not authorize this charge and contacted Chime bank immediately to file a dispute claim ID XXXX. I filled out Chime 's dispute form and waited for their results. They denied my claim, and I requested the documents they used in their determination. I received the documents and proceeded to ask questions about their findings, but was not successful. I also contacted XXXX and Verified by Visa, but they all referred me back to Chime. 

On XX/XX/2020 I filed a dispute on the charge for non-receipt of goods claim ID XXXX, as I had not been able to get any satisfactory communication with Chime. This dispute was also denied. Here is where the problem is, I requested the documents used in their determination and the documents clearly show that the purchase was not sent to the billing address of my Chime card, nor was an email associated with me used. It also stated that the IP address was inconsistent with the billing city. It gave me the address of the person who used my card which didn't seem very professional to me because what if I chose to confront this person? I have repeatedly asked if I could speak to a fraud examiner and I have spent many phone calls and emails trying to resolve the issue with Chime, but I am usually connected to customer service reps that are unable to help with my situation. I would like for there to be a review of my case by someone with a fraud examination background.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Experian Information Solutions Inc.
State: IL
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:
Experian, XXXX, and XXXX  didn't respond to the dispute letters I mailed off on XX/XX/2020. I also purchased the credit monitoring membership for XXXX  and Experian and the the erroneous accounts state " IN DISPUTE ''. This has been the status of their investigation for over 3 months. This violates the Fair Credit Reporting Act as each bureau has only 30 days to complete the investigation.

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 2019-07-13
Company: Comerica
State: VA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
First of all, this is my Social security benefit card in which Social security automatically for some reason signed me up. Ive used it for nearly 3 years with no problems. Its thru Direct Express. On XXXX XX/XX/2019, I contacted them at XXXX, and mentioned to them my card has been damaged, and needs to be replaced. This is the first and only time after nearly 3 years I needed ANY assistance from Direct Express. The woman I spoke to said in order to issue you a new card, we need to deactivate the old card in my wallet. I thought that seemed strange, however I told them that was ok to do. I paid an extra {$13.00} to have them expedite it to me by XXXX XX/XX/2019. I use this card to pay my mortgage, electric, telephone, groceries, and car insurance, so I needed it as soon as possible. They also said there would be a tracking number on my email. Well XXXX came and went and no card. I contacted them on XXXX, and they were rude and hung up on me. I looked up this bank on line, and first of all theres no physical address, they only have a 1 star rating, countless number of complaints.Well after 45 minutes of trying to contact them I finally spoke to someone who understood English. She rest assured me she would help me out. She told me she would reimburse the {$13.00}, and send me out another card on XXXX XX/XX/2019 Meanwhile Ive been watching my account online making sure funds are not coming up missing.It still shows that its all still there. 
Told me in would be in my hands by XXXX XX/XX/2019. Once again no card.They told me to wait because of XXXX of XXXX it could take a little longer. I contacted them again on XXXX XX/XX/2019, and the man who could not speak English told me the problem this time is I live in Virginia, and supposedly they addressed it as Vi, and not Va.Once again reassured me they would send out another card, expedite it to me for another {$13.00} and I would have it in my hands by XXXX XXXX XXXX. I realize Im 1 day early, however once again they told me I would be able to tract it on-line, and there is no tracking information available. PLEASE PLEASE HELP ME. Im a XXXX an on a fixed income and I need this money to live on. The amount is {$3500.00} not including the {$27.00} they charged for supposedly expediting the 2 cards. Remember there are supposedly 4 card involved. 1 in my wallet thats been deactivated, and 3 supposedly sent to me. 2 expedited, and 1 sent in regular mail. My name is XXXX XXXX XXXX XXXX. Phone # XXXX. Address is XXXX XXXX XXXX XXXX. XXXX, Virginia XXXX. XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
TransUnion is in Violation of the Fair Credit Reporting Act. I demand the XXXX XXXX XXXX account report paid in full with a XXXX  balance. 

The Final and last notice, I will send to TransUnion regarding this matter XXXX University  has provided email, and a letterhead letter debt paid in full with a XXXX  balance. 

Please see XXXX XXXX XXXX responding to Consumer Financial Bureau they will report account paid in full with XXXX balance. 

I have reported this account numerous account must report paid in full XXXX  balance. The notification was sent to all three bureaus. Please see the attached receipt, email, letter

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 2021-08-17
Company: EQUIFAX, INC.
State: OH
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
National Credit Systems claims the original creditor XXXX XXXX XXXX apartments is their Plaintiff when in fact they purchased the dept and now own it in an attempt so not loss the chain of custody.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Apparently, I placed a " security freeze '' on my account of this year on XX/XX/2018. That is false information considering I would have no reason to put a freeze on my account, did not give authorization to anyone to do this and have received no proof of me initiating this freeze. I did not receive anything in the mail in regards to this either. I am beside myself in this matter and so tired of getting the run around, loosing two contracts now on homes I wanted to purchase and the lack of empathy in this ordeal by being told, '' We have on our records that you do not have a freeze on your account and we can no longer help you ''. This has been told to me by numerous people on the phone. I have provided you all with emails and documentation for your records. Any insight with this situation would be extremely helpful. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON LATE PAYMENTS THAT ARE NOT TRUE. A LETTER OF EXPLANATION IS ENCLOSED.

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 2020-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Problem with personal statement of dispute

Complaint:
Got frauded in XX/XX/2018 They caught the fraud told me then closed my account i sent them the stuff they asked for .It wasnt me .They never tried to comply. About whi did it just wear it was done on XXXX XXXX.from a  hacker .need this matter resolved so i can have my credit card back or new one sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: EQUIFAX, INC.
State: MI
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:
A letter was mailed CERTIFIED to the following attached companies-see documents. The company was asked for ORIGINAL CONTRACT, PHYSICAL SIGNATURE, RECORDING OF VIDEO/AUDIO showing I ever asked for a line of credit. Furthermore, they were asked to tell me whom they corresponded with, their name, their ID number, contact phone/address. You can see they did not. PROOF they are not validating and/or verifying as required under the FCRA. Company responded with various answers but could not provide me with SPECIFIC information as requested. 

By law, they have to remove all accounts that are not 100 % factual and true. In addition, they have to pay me {$1000.00} per offense for defamation of character and destroying my ability to get credit. 

Furthermore, any accounts that have been charged off, under the FCRA, CAN NOT HAVE A BALANCE. Must read XXXX They have the option to make it read XXXX or remove the account all together for improper reporting. 

And finally, any accounts using variations of my name, not using my full name : first, middle and last, are fraudulent and need to be removed immediately.

Company response to consumer: Closed with explanation