BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-20
Company: EQUIFAX, INC.
State: MA
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:
I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report ACCOUNT NAME : XXXX XXXX XXXX  ACCT # XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCT # XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted " THE COMPANY '' and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX & # XXXX, has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: SYNCHRONY FINANCIAL
State: TN
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:
I, XXXX XXXX, am the consumer in fact and I am asserting all rights. I am aware that the Consumer Financial Protection Bureau is here to enforce Federal consumer financial law and to ensure that I, the consumer, have access to markets for consumer financial products and services to which are fair, transparent and competitive. I am also aware that the CFPB is authorized to exercise its authorities under Federal consumer financial to protect the consumer from unfair, deceptive, or abusive acts and practices pursuant to 12 U.S. Code 5511 ( b ) ( 2 ). As a consumer, I will hold the CFPB to this standard. 

I sent a billing error notice to Synchrony Bank/PayPal Credit on XX/XX/2021. I requested the organization to provide documentary evidence pursuant to 12 CFR Section 1026.13 ( a ) ( 6 ) under Regulation Z for the public and private sector. The company failed to show documentary evidence and they credited my account for that month. They also sent me a letter on XX/XX/2021 admitting that there was fraud on my account and changed my account number in the process. 

At the end of the cycle, they closed my account, but we were able to come to an agreement to restore my services based on the billing error status, open end credit status, and the fact that closing the account was an act of discrimination under the Equal Credit Opportunity Act. 

Although my account was restored, I have yet to see my account receive a credit for XXXX. The organization never showed me documentary evidence to prove the fraud and I suppose to receive a credit each month until they provide me with such evidence to whom or what funded the account. 

I am aware that the company sends me a remittance transfer each month with a XXXX scan on the coupon for me to use as credit. Thats a part of the fraud and the companys failure to honor it is a violation to 15 U.S. Code Section 1693h ( a ). I am will most definitely remain in honor and send it each month to satisfy the account if necessary.

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 2021-12-11
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was illegally billed for medical services provided according to California bill ( AB 72 ). I notified the original creditor of their error and was assured it would be corrected. Instead they sent it to collections. Contacted both parties. Original creditor keeps claiming Im correct and dont owe the money but cant figure out why they havent pulled it back from collection agency. Collection agency asked for a letter from insurance stating I dont owe the money. I provided the letter more than 30 days ago. Ive called multiple times sense then, every time I call both parties Im told Im right I dont owe the money but they continue to blame the other party for why its not being removed from my credit report. Knowing I dont owe they continue to close any dispute I open verifying the debt and increasing the balance owed every month. At this point I feel they are doing this intentionally. They admit I dont owe the money and was billed incorrectly, but refuse to put supervisors or anyone who can actually fix the problem on the phone and refuse to remove from credit file.

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 2023-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2023, an XXXXXXXX XXXX XXXX  checking account with Bank of America was fraudulently opened in my name. I reported the incident with Bank of America XXXXs Fraud Department via telephone on XX/XX/2023 upon receipt of an account statement in the mail. The statement I received via mail on XX/XX/2023 indicated that an account was opened using my name and former address. The Bank of America associate informed me the account was opened online on XX/XX/2023, using my name, date of birth, former address, and social security number. The account was utilized to make an ATM withdrawal for {$10.00} ; to transfer {$770.00} to an individual named XXXX XXXX ; to transfer {$650.00} to an individual named XXXX XXXX ; and to return an item worth {$2400.00}. This resulted in a negative account balance of {$3800.00}. 

The Bank of America associate informed me that the account had been flagged internally for possible fraud prior to my call. He placed an immediate freeze on the account, but indicated the internal investigation will continue to allow them to ascertain more information on the responsible individuals. He also issued me a case number and informed me that the internal investigation will likely lead to the possibility of filing a lawsuit against the perpetrators. Following the associate 's advice, I placed a credit freeze and fraud alert with both XXXX and XXXX. 

Please note I am refraining from uploading the account statement I received in the mail because it contains personally identifying information, including my name, former address, and account number. I can upload this at a later time and redact the information if necessary.

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 2023-07-18
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I recently reviewed my credit report and discovered the following the below accounts to be reporting as LATE 30-60-90 days, resulting in a derogatory effect to my credit score. 

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 - Account XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX - Account XXXX. XXXX XXXX. XXXX  XXXX XXXX - Account XXXX. XXXX Per, 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Therefore, any derogatory information or reporting of a late payment associated with the above accounts must be removed upon receipt of this notification as it is a violation of my rights as a consumer.

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 2023-08-16
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I do not want and have never signed up for paid services from Experian. I recently froze my credit via their website where I maintain a free account. I received an alert this morning that I have been charged {$24.00} for a service I never subscribed too, I have scoured my email for communication from experian but have found no evidence to suggest that I ever signed up for their service. This is predatory behavior. I logged in on XX/XX/23 to check my credit report and to apply a freeze, both advertised as free services. I will dispute the charge with my credit card but I am still angry. I am always cautious and am not easily scammed, so I am dumbfounded how theyve managed to get away with this. Additionally, I am unable to remove the payment information ( which is outdated ) from my profile. After clearing this up I will likely close my Experian account entirely.

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 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2017-12-29
Company: JPMORGAN CHASE & CO.
State: MO
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:
The companies response to my complaint XXXX to cfpb is a complete lie. they claim they could not speak to me however they refused to because I had answered the phone stating that I was recording the call not knowing who was on the other end however they were calling me on a recorded line themselves ... .. The inquiries on my credit file have been on my credit report for 2 years .... 1 in XXXX  of XXXX which is showing as an XXXX inquiry but is actually a chase inquiry on my XXXX report 2 the XXXX on XXXX of XXXX  that is showing as a chase inquiry on my XXXX report. I have at one point requested the removal of these inquiries be expedited they refused to do that. In fact I was not happy with what they called masking the inquiries instead of removing them because I had not applied for this card they said they can only mask them whatever that means.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: PNC Bank N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My Complaint is against XXXX XXXX XXXX  and PNC Bank The response to my claim # XXXX through CFPB is unreasonable. After waiting for more than 2 months XXXX XXXX is recommending me to follow up with recipient bank which is PNC Bank. 

I have done this follow up on XX/XX/XXXX with PNC Bank and was informed : XXXX the account number was incorrect so the money was sent back to XXXX  XXXX within XXXX business days XXXX since I am not their client any further follow-up must be with XXXX  XXXX. 
XXXX. PNC would work on the matter with XXXX XXXX. 

XXXX XXXX is washing it's hands off my claim without just cause. I need their fraud department to fully investigate the matter along-with the fraud department of PNC Bank and XXXX to a proper conclusion and to locate the {$10000.00} transferred from my account. 

Please call me @ ( XXXX ) XXXX or email XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital One insists on me providing them with an EIN. I've explained to them that the IRS does not provide an EIN for a single member XXXX, they use my social security number. They proceeded to restrict my account, after they had charged me a {$59.00} membership fee, and will not issue me the {$100.00} in accumulated rewards. I have paid off the card in full, but they will not allow me to receive my rewards that I have legitimately earned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-11
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is reporting on my credit bureau file with XXXX and I need it removed immediately. I do not have a contract with this company nor have I ever had a contract with this company. Under the FCRA this company has to validate ( provide proof of my contract with them to the credit bureaus ) which they have not complied with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: NJ
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 dispute directly to this company and asked for the 1099-c form due to this account being reported as charge off and according to the IRS a charge off account is ordinary income and income is not reported on my credit report. This violates 15 USC 1681c-2 and 15 USC 1681 section a I am requesting a copy of 1099-c to see the correct amount of balance after charge off. This account is reporting wrong balance which makes this inaccurate and incomplete

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 2017-09-13
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I was told by my bankruptcy attorney to surrender my vehicle and was referred to auto dealer they had a 'deal ' with to get a new vehicle. Was financed by sub prime lender called Prestige Financial. I was laid off and have been struggling with my health for some time. I 've asked to lower payments or refinance and sometimes they do lower payments but they wo n't renegotiate terms and when I said that I would need to try and get out of vehicle XXXX XXXX as well as all the employees that report under him, are rude and say things like no one will help me, I 'm 'XXXX ' if I do n't make my payments, they pressure me to surrender the vehicle but then rescind saying why would they want that if they want their money. 
I have told XXXX XXXX and XXXX that they are rude, disrespectful and that I know I have an obligation but I need to take care of my medical condition as well. 
I can not keep my composure speaking with them anymore, I ca n't remain calm its impacting my health further since not only am I under duress I have to deal with their abusive tactics as well. 
I 've asked for call recordings, etc but they never can seem to find those details.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2023, a conditional debt payment was transmitted to XXXX XXXX, serving as trustee for XXXX XXXX, on behalf of XXXX XXXX, a juridical entity. Despite clear instructions to direct credit resulting from conversion, redemption, or exchange for a new issue to XXXX XXXX 's account, no action has been taken. As of now, over four months have passed, and despite more than four correspondences sent and received, there has been no communication beyond acknowledging receipt from XXXX XXXX XXXX XXXX XXXX at XXXX XXXX. 

This inaction contradicts XXXX XXXX 's fiduciary obligations and has caused detrimental effects on XXXX XXXX 's credit profile. Despite being informed of this issue, which includes the issuance of a civil money penalty notice under Section XXXX of the Federal Reserve Act, no resolution has been achieved. Additionally, the recurrent practice of redirecting outstanding balances to short-term debt instruments like commercial paper under XXXX XXXX XXXX XXXX goes against the initial directive and further compounds the problem. 

In the midst of multiple conversations, only one representative has provided valuable insight, while attempts to engage with higher management have yielded no response. I deeply value our longstanding relationship, but I must emphasize that continued lack of action will necessitate further steps on my part. Given the complexity of the situation, involving transactions like the five special deposits and a conditional payment from XXXX XXXX, I urge XXXX XXXX to urgently address this matter, outline a clear plan of action, and work toward resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: EQUIFAX, INC.
State: FL
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:
Disclosed on my consumer report are my credit utilization percentage. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; By disclosing my credit utilization percentage, you are disclosing financial information connected to my banking transactions.

I have also disclosed the definition per15 USC 6809 ( 4 ) ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or. 

So if non personal information are results from transactions, what are late payments and credit utilization I am also noting that I do not consent e oscar verification or any means of automated verification as part of any investigation process Please remove all accounts from my consumer reports that are not metro 2 compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: Grain Technology, Inc.
State: NC
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:
Please send me XXXX XXXX XXXX including : 1.balance sheet, 2.XXXX XXXX, 3.XXXX XXXX XXXX XXXX XXXX  ), 4.XXXX  XXXX Balance Sheet, 5XXXX, 6.XXXX registration statement, 7. XXXX XXXX 8. XXXX XXXX XXXX call schedules. 
9. 1099-C Your failure to send these documents within 3 days you agree to pay Me {$3000.00} in the form of a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Next Level Finance Partners  LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There are 2 unauthorised hard inquiries on my credit report. This will affect my credit score and credit worthiness. 

XXXX XXXX XXXX XX/XX/XXXX XXXX Mortgage XX/XX/XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Auto Loan Application : On XX/XX/2023, I, XXXX XXXX XXXX, applied for an auto loan with Bank of America in good faith ( paragraph XXXX ). I provided all necessary information and documents required for the loan application process. 
Adverse Action and Illegal Conduct : Bank of America, in violation of applicable laws and regulations, declined my extension of credit or auto loan under good faith ( paragraph XXXX ). This adverse action taken against me as a consumer is illegal according to the Equal Credit Opportunity Act. 
Misrepresentation of Lending Practices : Bank of America knowingly and willingly advertised false information regarding its lending practices ( paragraph XXXX ). They misrepresented their willingness to extend credit to qualified consumers, causing harm and detriment to me as a consumer.

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