BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-25
Company: Experian Information Solutions Inc.
State: FL
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 was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX, 12 XXXX  XXXX XXXX  XXXX A, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX, XXXX XXXX, DEPT OF EDUCATION/XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Company Inquiries : 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 2018-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for a credit card at XXXX XXXX as of XX/XX/XXXX and was approved. ( purchase was for about {$980.00}, CC credit limit {$18000.00} I waited for many weeks but never received the Credit Card ( CC ) to this day XX/XX/XXXX I called/emailed XXXX XXXX many times that I did NOT get the CC but they told me " NOT their business ''!!! Than I got a Statement from XXXX XXXX/Bank of America Therefore, I called Bank of America several times to inform them that I did NOT get the CC : First day they told me they made a mistake and they did NOT send the CC but they demanded payment! 
Another day they told me they will NOT mail-send the CC anymore for an unknown reason and NOT disclosed reason and demanded payment, I informed them that I did NOT receive what I asked/applied for and since they made a mistake by not mailing me my CC that I am NOT paying if I do NOT get my CC!! 
I also informed them that I made many inquiries at XXXX XXXX looking for my CC. 

Next Bank of America started harassing me with their phone calls ( calling me via their machine about so far about 100 times ).

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 2020-06-25
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have several issues on my credit report. I am not sure what you need from me to correct this issues. I have attached a copy of my current and only address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX and my SS card. Please delete the following addresses the are not mine : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following numbers they are not mine : ( 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 2020-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I deposited {$4000.00} dls cash at a Bank of America ATM inside the branch located in the city of XXXX CA. The ATM machine returned XXXX dls and kept the rest. While processing the deposit, the ATM machine crashed/ broke and kept my deposit. The money kept by this atm did not appeared as a deposit and the machine id not give me a receipt. I contacted the bank manager but she said that those atms are serviced by a third party and to call the number on the machine. I called and filed a claim right after but up to now, the bank refuses to credit my deposit. This problem is making all my payments be late and the companies will be assessing late fees. BofA refuses to pay for those late assessed fees. Please help me get my money back. The money has been in their possession since XX/XX/XXXX and still there is no progress in their investigation. I really need help desperately. 
Dispute / complain number is XXXX claims phone number 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 monetary relief
Consumer complaint received 2020-06-25
Company: CORELOGIC INC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have several issues on my credit report. I am not sure what you need from me to correct this issues. I have attached a copy of my current and only address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX and my SS card. Please delete the following addresses the are not mine : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following numbers they are not mine : ( 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 2020-06-25
Company: EQUIFAX, INC.
State: FL
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 was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX, 12 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, DEPT OF EDUCATION/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I did not receive a {$200.00} bonus coupon code until XX/XX/19 & when I opened my account with a {$100.00} deposit I then set up my direct deposit from my jobs website. Now Im being told the coupon is only valid when first opening but that was not clear when I called before opening the account or upon visiting a brand for my {$100.00} deposit into the checking account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-09
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Dear Sir/Madam Re : Case numbers 1. Complaint XXXX about WELLS FARGO BANK 2.  Complaint XXXX about WELLS FARGO & COMPANY. 

Even though we complaint to CFPB but we still did not get any resolution from Wells Fargo yet, instead of they are forcing us to close the application in short period of time, if not we are responsible for addition fees or we have to drop the case. We feel we got treated unfair and discriminate from Wells Fargo as we have been pushing them to resolve the issue since XXXX XXXX by sending almost daily email. We keep following up with them day after day, and month after month until XXXX XXXX, XXXX that they force us have to close our loan in XXXX XXXX, XXXX which is a week from now. Due to the holidays season is just around the corner and we have tied up with other things we need to take care off. We knew XXXX XXXX is not a good schedule for us to deal with the loan situation ; therefore we have been pushing Wells Fargo since XXXX XXXX by sending daily, monthly emails trying to cooperate with Wells Fargo to resolve the issue prior to XXXX XXXX. But unfortunately, day after day and months after months, they ignore our request completely. We feel like we have been treated unfair due to discrimination and racial from Wells Fargo Bank.

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 2022-08-10
Company: Paypal Holdings, Inc
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I discovered that PayPal gave vendors unauthorized access to my bank account. I spoke with a representative from PayPal on XX/XX/22 when I looked at my bank account and saw XXXX debits in XXXX to my checking account made by Paypal that I did not aurthorize. The amounts ranged from {$20.00} to {$100.00}. The Paypal representative explained that I signed XXXX merchant agreements allowing PayPal to debit from my bank account to pay these vendors, which PayPal describes as " preauthorized payments. '' I never signed any agreements nor have I agreed to " preauthorized payments '' to any vendors. I believe this is a scam in which Paypal is complicit, to essentially steal money from my bank account. The representative from Paypal reviewed with me and removed the 75 vendors who were given merchant agreaments and preauthorized access to my bank account. I have necer heard of or done business with the majority of these vendors. Of the 75 vendors, I do business with five of them, but payments are made through my XXXX XXXX account and I did not preauthorize any payments directly from my bank account. The PayPal representative directed me to the section of my Pay Pal account that contained the list of these vendors. She agreed that " Paypal 's practices are not transparent. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
My identity was stolen and I can't get any help to fix this ... all my credit is jacked up I can't open anythng because so much was done. Plus the data breach on XXXX and my stuff is not good. It should be open and shut case. I was incarcerated from XXXX XXXX XXXX to XX/XX/XXXX XXXX any and. All accounts opened nduring that time were fraud and there was alot of that and inquires. How no one would notice and freeze my credit based on how the credit was being used. Anyway I come to this and I canf even open a account for Experian. And if I try to open anything it goes bad to worse because all the Bs from the fraud me adding a inquiry just doesnt help. Anyway the police report on file is by XXXX  XXXX XXXX. XXXX XXXX case # XXXX. I've told the credit bureaus all this and nothing. They " investigate and come to the conclusion that I did open. The accounts ....!!! Shaking my head. How??. Please help. It's hard as it is XXXX XXXX XXXX XXXX XX/XX/1986. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX. XXXX XXXX XXXX. XXXX ) XXXX. Current info. Please update please indemnification is needed in store and so I can live. Thank you.

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 2022-01-05
Company: Affirm Holdings, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2019 I was a victim of identity theft. I did not realize my information was compromised until I got an alert on my credit report that someone open up student loans and theyre located in California XXXX Our place locks on my credit report and spoken with that particular student loan company and filed a police report. 

Affirm, XXXX and XXXX  XXXX accounts are fraudulent. Ive never authorize my credit to be ran nor have I had his account. I have submitted several I didnt need their reports and complaints to the credit bureau stating I was a victim of identity theft. Including XXXX reports and police reports. This has been a traumatic situation it has been a big hindrance on my credit. I had took all the precautions I can take on my to prevent my information to be used in the future but unfortunately there its still being used. Ive also notify the credit bureaus that I will be filing complaints and they responded to my letter only saying that this information was updated. I have my account and his phone calls, sent letters and uploaded documents to all three credit bureaus, XXXX, XXXX, and XXXX and nothing was done. This has been going on for months but unfortunately Im the only one affected and I will be filling additional complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I sent a letter to Experian on XX/XX/2021 regarding an inaccurate account and that the account is currently in litigation. The account I am referring to is XXXXXXXX XXXX XXXXXXXX. Here it is XX/XX/2021 and I have not received any response as to the accuracy of this account or that to the fact that this account is in litigation. I feel like Experian is taking advantage of me and they are ignoring my dispute. What I do know is that Section 611 ( a ) plainly states that a failure to investigate this item within 30 days they have to immediately remove those items from my credit report. This is causing me extreme emotional stress due to the fact that I am in the process of applying for a job in the financial industry and inaccurate information will jeopardize my chances of being hired. I demand this account be deleted immediately or I will file for litigation due to the stress Experian is causing 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 2021-04-05
Company: Santander Consumer USA Holdings Inc.
State: NY
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:
the loan has expired and the company Santander Consumer USA tells me that they can not extend the contract to me, what could I do in this case

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
I tried to dispute several items /things on my credit report such as in-accurate personal information-I tried to update my personal information with XXXX XXXX  but no such change was made it continues to no change, these item are hurting my credit report not allowing me to fix my credit information/report. 
is /if there is a solution i would like some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: HW Holding, Inc
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Hunter Warfield {$4400.00} XX/XX/2020. 
Disputed an error on the amount and nothing was done by company. The balance owed is {$2300.00}. 
They contacted my family members various of times even AFTER setting a payment plan with them.

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 2019-01-24
Company: LEXISNEXIS
State: MI
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:
ON XX/XX/2019 I SPOKE WITH XXXX REGARDING A DISPUTE FOR PUBLIC RECORD-BANKRUPTCY THAT CAME BACK AS VERIFIED. XXXX INFORMED ME TO CALL LEXIS NEXIS WHOM REPORTED THE INFORMATION TO THEM. I CALLED THE DISTRICT COURT AND WAS TOLD THAT MY FILE WAS IN STORAGE AND NOONE COULD RETRIEVE IT. I SPOKE WITH LEXIS NEXIS ASKED FOR MY DISCLOSURE REPORT # XXXX, INFORMED THEM TO DISPUTE THE PUBLIC RECORD BECAUSE IT IS SHOWING INCORRECT INFORMATION, AGENT CONFIRMED INCORRECT INFORMATION THAT IS REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I use the account in question for a monthly subscription charge of {$170.00}, subsequently always paying the statement in full. 

Issuer disabled online access to all of my accounts, citing " suspicious activity '', even though no such suspicious activity took place ( I never used my login on any new devices for months prior to them citing a " suspicious activity '' that wasn't suspicious at all -- I'm a XXXX XXXX XXXX, and the activity on account was not at all suspicious at any point ). 

Issuer prevented me from accessing this online account, from accessing statements ( which were only available via logging into the online account, as they do not send them by USPS anymore ), and from making payments. 

Issuer prevented the recurring charge from going through ; I had to change the recurring charge to use a card from another issuer. 

It was not possible to contact the issuer. When attempting to contact the issuer, repeatedly, at about XXXX CDT, repeatedly, I'd get a message that their business hours are XXXX to XXXX. But I was already contacting issuer during said business hours. 

Subsequently, after many tries trying to contact the issuer, the access to online account was reenabled ; to my surprise, the account in question had a balance and a late fee. I paid the principal balance right away, but I do not believe I should be charged interest and late fees when it's the fault of the issuer for randomly disabling access to account and not staffing their customer service line during the advertised business hours of 24/7.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-10
Company: Frost-Arnett Company
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1.I have never had an account with this company FROST ARNETT XXXX XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are FROST ARNETT the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with explanation