BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
All the money {$1500.00} was taken from my account on XX/XX/XXXX. I called the XXXX to tell them about the fraud. They said they would open a claim and they did and then my claim was automatically denied when I called back they said they re-opened it this happen back-and-forth many times and I finally called back again and they said that they denied it for multiple reasons two of those reasons were incorrect and Im still left without the funds the card never left my possession I never made the transactions wasnt in the city at the time it happened etc.

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: 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:
Capitol One has placed my accounts in suspension and froze both my cards, that I've had for years with them due to suspected fraud. I was advised that because I have added and removed authorized users my account was being flagged and was initially told that the front and back of drivers licenses are needed for all persons ever added, regardless if they have spoken directly with and are no longer on the account for verification purposes. Once that was submitted, I was told they needed social security cards ... once that was submitted, I was told they all needed to be signed. I even submitted a passport for one in leu or a social for verification and they are refusing to release my account. They have advised me they have to verify that the persons added are real people and that they need to have their information to ensure they do not take over my account. The confusion is that only one card had authorized users and some users had previously contacted Capitol One. They are being very misleading and seemingly don't want to resolve the concern. I am forced to make payments on an account that I can not access or risk having my credit negatively affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: PNC Bank N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My balance as of XX/XX/XXXX was approximately XXXX. I made a {$740.00} payment that published on XX/XX/XXXX. I could not see the reduction in my total owed on my credit card and the amount owed is now over XXXX. I called on XX/XX/XXXX and asked for a detailed description of my credit card statement showing the increase and decrease balance based on each purchase, payment, and fees and was told that I can't get it. I can only look at my last months statement balance and add up and subtract each transaction using a calculator. I don't get balance statements in the mail and you can not see total balance per month online. I want a monthly statement showing my accrual and reduction of my balance based on each transaction so I can better understand what is happening. I feel like this practice creates a huge blind spot for consumers that encourages fraud and nefarious practices by the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: Self Financial Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I applied for a Self Lender account and inXX/XX/2017 I was diagnosed with XX/XX/XXXX XXXX XXXX XXXX. I called the company to close the account because I wasnt working anymore and was unable to make payments. The company continues to report two late payments on my credit reports. I didnt take out a loan, it is a company that I pay to help rebuild credit. I called to close it and they never closed it until my bank denied the payments. I would like them to remove themselves from my credit reports so that I can get my life back after fighting XXXX three times within the last four years. This is making a huge impact on my report and it is unfair especially since I never owed them anything and called to cancel before the due date. Please remove from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: Stanislaus Credit Control Service, Inc.
State: IL
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:
To whom it may concern : I have several collection accounts on my credit files from a collection agency the account is as follows : Account XXXX XXXX ( original creditor not listed ) account # XXXX XXXX   Stanislaus Credit Control XXXX XXXX account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX   account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX ) XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX ( XXXX ) account # XXXX ( XXXX XXXX ) XXXX, XXXX, XXXX  Please be advised that I am disputing these collections due the fact that the all the collection agencies does not currently have a valid license in Illinois to collect on debts. This information is stating that their license is currently not showing up at all/canceled/revoked/expired according to ( XXXX XXXX XXXX ). I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that all the collection agencies are licensed to collect debts in Illinois. 

Your immediate response will be greatly appreciated. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: Square Inc
State: PA
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:
Contacting y'all back about case XXXX like I say I did contact XXXX, XXXX and your agent from cash app told me that y'all already made a dispute for XXXX XXXX  and case number was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Experian Information Solutions Inc.
State: NY
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 alleged collections on my report that i do not recognize. I demand removal of these accounts pusuant to section 623 of fcra.

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 2020-06-05
Company: EQUIFAX, INC.
State: AR
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 was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Westlake Services, LLC
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: Account status incorrect

Complaint:
I paid off the loan -- in full -- on XX/XX/XXXX ; that's the day XXXX delivered the check. XXXX XXXX XXXX claims they didn't credit the account until XX/XX/XXXX. 

XXXX XXXX XXXX told me it takes them 30 - 45 days to update their system ( which is outrageous because they IMMEDIATELY report if I miss a payment ). 30 days from receipt of the payoff check would be XX/XX/XXXX. As of XX/XX/XXXX XXXX XXXX was still reporting the loan open and now 90 days late. On XX/XX/XXXX ( after 45 ) the account was still listed as open and 90 days late on my XXXX  report. 

As of XX/XX/XXXX, XXXX XXXX XXXX still reporting the account as open and late to XXXX  and XXXX ; thus harming my FICO score and my individual credit rating at XXXX  and XXXX  at 60 days since I paid off the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have reached out to Experian credit to dispute inaccurate information on my credit report and they have yet to correct the issue, I have submitted documents over to them about inaccurate information and told them to remove it because they a violating the fCRA and still have this information on my credit report that is inaccurate. 

The three accounts that are in dispute for inaccurate information and need to be removed due to that are as followed, also attachment are included to verify this 1. XXXX XXXX XXXX ( inaccurate payment history 2 XXXX XXXX ( balance is incorrect and this is not a charge off account ) 3. XXXX XXXX ( balance is incorrect and not a charge off 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
Consumer complaint received 2021-08-20
Company: FIRSTBANK
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I was politely asking for a solution. On XX/XX/XXXX, a nice banker allowed me to share my concerns over the phone, but when my father was curious that even though my father had previously accounted openly they were allowing him to open and I'm his son. I have a document to share proving I was exhausted enough. But I insist on this bank because my concerns convinced arms and fees. Please allow, me to listen instead of being against me. That's not correct and it's wrong, after I had conversations in the bank, where my father he gets his bonus, and he had account closed and so that's enough to tell you why my conversation will not end depends on me because, the branch manager XXXX was being unfair, that he could have, just stop me of going in person why can't just leave like this, at least online banking is safe to him and me, that is that if he really hates me and not others customers. 


Please review, my recording of the called mentioned XX/XX/XXXX and one XXXX at the branch. 
XXXX XXXX XXXX XXXX, XXXX, CO XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-03
Company: Credit Protection Association, L.P.
State: IL
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:
Negative reporting to my credit profile with no validity and/or authorization under FDCPA laws.

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: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I have had to file multiple complaints with this unethical organization. 
The last complaint XXXX was closed from communicatio on XX/XX/XXXX which stated they would respond to arbitration such as is my right in the contract ( similar to my right to being informed of lease end charges and having the chance to rectify before they are charged ). They did not honor that part of the contract, nor to respond to Arbitration. Attached is the notice from the Arbitrator stating BMW financial did NOT respond. 

XX/XX/XXXX I received A COLLECTION notice from XXXX from First Source Advantage - using unethical tactics stating that I owed the money and they will chase me it didnt matter that the matter was pending arbitration. 

I have included a copy from the arbitrator proving BMW did not respond similar to my multiple requests to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
The XXXX XXXX XXXX Credit card Acct # XXXX, which was opened XX/XX/XXXX without my permission claims the card was closed At Credit Grantor 's request : This is not accurate, when I found out about this card, I paid the small balance off and request the account be closed. Therefore the statement should say Account closed at consumers request Further, the account was never late in XXXX, XXXX, XXXX, XX/XX/2020. Please correct these details. 

Also There is a XX/XX/XXXX XXXX XXXX account, the Original Creditor is XXXX XXXX XXXX. XXXX XXXX XXXX billed me for services that were not performed. I am requesting the accounting of this debt from XXXX XXXX XXXX. I went into this location and was informed they could not treat me, so how am I being billed {$290.00}, when no services were performed or provided? 
Please remove this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: EQUIFAX, INC.
State: MN
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 56 days later I have not received a response yet. I feel like Im being being ignored and taken advantage of. After taking some time to do research on this matter, I concluded that a failure to investigate these items within 30-45 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation, due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 sent a letter on XX/XX/XXXX and I also sent one on XX/XX/XXXX. I haven't receive a response in over 90 days. This shouldn't even be possible that they can operate in this manner. they have 30 days to respond. It's well over that. How can they just break the laws and do what they want to.

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 2021-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I cant get a mailed response from this credit agency after sending several complaints. I call and sometimes get through after holding 1hr 10 min, get disconnected and other times be told I have to mail in my complaint or use their website and get error messages of all sorts. Furthermore, I feel these kinds of issues is to discourage me from enacting my rights under federal law.

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: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020, XX/XX/2020, and XX/XX/2020 I submitted letters to Experian and XXXX XXXX requesting to verify the auto debt that is falsely reporting on my credit report. I also demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS. 
9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF  COLLATERAL. 
9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL They are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. In which none of this has been received and they have failed to comply after multiple attempts.

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 2021-08-19
Company: EQUIFAX, INC.
State: PA
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:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My CashApp account was taken over by scammers and over {$9000.00} has been stolen from my accounts. I have contacted cashapp and all the did was close my account for violating TOS. CashApp security is lacking or this wouldnt have ever happened, and I desperately need my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: LAKEVIEW LOAN SERVICING, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
There are several issues here : -Lakeview/XXXX made a mistake by only charging me $ XXXXmonth and removing taxes from my payments and not telling me. I set my rental property to my mortgage payments. Had Lakeview/XXXX not made an error and set my monthly payments accurately, I would have set my rent differently. Lakeview/XXXX should be responsible for the shortage. 
-Taxes Lakeview/XXXX did not pay in 2017 were roughly {$6000.00}. {$6000.00} is the difference they need to make up. How do my payments go from $ XXXX/month to $ XXXX/month? This does not make sense. 

Again, for the taxes that LakeviewXXXX did not pay in 2017, they should be held responsible as neither I or XXXX XXXX  told them to stop paying the taxes.

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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account XXXX XXXX, XXXX XXXX  XXXX Account XXXX XXXX, XXXX XXXX  XXXX XXXX Account XXXX 1921, XXXX XXXX XXXX  Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
My edd prepay debit card is lock and im trying to unlock it no one seems to help me i have been back and forth threw the phone or to the actual 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 non-monetary relief
Consumer complaint received 2021-08-19
Company: Credit Karma, LLC
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
On monday XX/XX/16 I attempted to deposit a paper check into my credit karma save account. The next day I received an email it did not go through. I went back to app to try again. The option to deposit a paper check disappeared. I have been calling and emailing all week getting the run around and not one native English speaker. One of the emails claims the terms of service changed and only checks between XXXX and XXXX can be deposited in one day. The check was for XXXX and change so it qualifies but the option is nowhere on the website or app!

Company response to consumer: Closed with explanation