BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-28
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I have disputed 9 accounts on the XXXX  App to have nine XXXX and would like them to be removed from my credit report. All accounts are closed and effecting my credit score negatively.

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 2022-02-06
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This is the continuing response- I should not be charged overdraft fees, US Bank says, due to these being " automatic withdrawals '' they must do so. See Below- Hi again XXXX XXXX I'm sorry we aren't able to refund additional fees unless they're from a bank error. 

As I mentioned before, to avoid overdraft fees, the balance must be brought positive the same day it falls negative. I found the account was negative from XX/XX/2022 until a direct deposit came in on XX/XX/2022. 

If you aren't wanting to open a Safe Debit account, I'd recommend setting up one of your other accounts as overdraft protection. In the future, if there were a time where a payment were to come out of your main checking and there was not sufficient funds, if you are wanting to link your other accounts as Overdraft Protection, we can automatically transfer the money to your checking account to cover the balance and make sure no fee is charged. 

If you are wanting to link your other accounts as overdraft protection pleas follow these steps once signed in. 
* Select your checking account and choose " Overdraft Options '' from the menu on the left * Select " Overdraft Protection '' * From the drop down, select your checking account and set up your overdraft protection as desired and submit Respectfully, XXXX XXXX

U.S. Bank Email Operations Department

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 2021-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax continues to report false and erroneous information on my credit report regarding XXXX. 

The account should be closed and Equifax is listing the account as open and last payment made in 2021. 

That information is false. I asked Equifax to provide evidence and they refuse. 

I sent a letter to President Biden and the Senate Finance Committee. 

I want this account corrected and removed or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: Penn Credit Corporation
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
To Whom It May Concern : I know you have an oath. I know you have an oath to the state that we are in. I know you have an oath to the United States, so I accept those oaths, both of them. 
I confirm that I have received a written communication from you dated XX/XX/XXXX wherein you make reference to the above captioned matter. It is apparent that you are acting on the presumption that some relationship that you may have with XXXX XXXX, is in some way related to me. I am not a party to this implied relationship you have with XXXX XXXX, either directly, indirectly or by means of any tacit consent. Accordingly, I do not understand how to respond to you inasmuch as I am unaware of any contractual relationship between us. I have offered to settle the matter between myself and XXXX XXXX. 

MAXIMS OF EQUITY 1. Equity sees that as done, which ought to have been done 2. Equity will not suffer a wrong to be without a remedy 3. Equity delights in equality 4. One who seeks equity, must do equity 5. Equity will not aid a volunteer 6. Equity will not allow a statue to be used as a cloak for fraud 7. He who comes in equity must come with clean hands And ye shall hallow the fiftieth year, and proclaim liberty throughout all the land unto all the inhabitants thereof : it shall be a jubilee unto you ; and ye shall return every man unto his possession, and ye shall return every man unto his family. ( Leviticus 25:10 ) ENFORCEMENT OF RIGHT OF SUBROGATION FOR FULL SETTLEMENT AND CLOSURE OF THE ACCOUNT I request to Invoke my Rights to Subrogation ; HJR 192 March 9th 1933, Congress 73-10, Chapters 48 Stats 48 subsection 112 ; " He who creates the liability must provide the remedy '' ; Truth in Lending Act ( TILA ) of 1968 ; and " Refusal for Cause Without Dishonor '' UCC3- 501, 2-207 ( 2 ) ( c ).

1. " I-demand-my-right-to-subrogation-and-we-are-not-moving-on-until-this-is-resolved. '' 2. " Public-Servant-prosecutor-do-you-conform-to- '' Clean-Hands-Doctrine ''? 
3. Then-certify-my-right-to-subrogation-in-avoidance-of-a-claim-for-destruction of Rights. '' ( As-certified-it-is-mine ). 
Of this presentment take due Notice and heed and govern yourself accordingly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Experian Information Solutions Inc.
State: NJ
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, I am writing to request that you delete these unauthorized and unverified items immediately, within 4 days upon receipt of this correspondence. I have continuously request that the credit bureaus provide me an original contract with my signature stating that I have gave them permission to furnish a consumer report with my consent. The credit bureaus fail to do so, so I was forced to file a police report due to fraudulent activity by my FCRA rights being violated under 15 USC 1681 ( B ) when a consumer report was furnished without my consent. And if these items aren't deleted and blocked immediately, I will be forced to contact my attorney to pursue with federal charges. I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please remove and block this fraudulent information per sections 605B, 615 ( F ) and 623 ( A ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the Following Fraudulent accounts be deleted and blocked from my credit file : 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 non-monetary relief
Consumer complaint received 2022-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Ive recently noticed some unusual activity on my Capital One account there was a credit card open in my name and overdrawn {$500.00} and there are recurring payments from another account For different amounts and I just want them removed from my credit Bureaus I dont want to be charged for something I didnt do or a card I Never applied for

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-03
Company: EQUIFAX, INC.
State: NJ
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:
Please see attached Method of Validation request regarding the public records ( state tax lien ) item as reported by Equifax, as well as additional documentation. It is my belief that this public record has been incorrectly assigned to my credit report and therefore, I am requesting further, more specific documentation from Equifax 's most recent investigation. 

Please note : Equifax stated the details pertaining to the public record item on my credit report were updated based on data retrieved from a third party vendor, XXXX. 
However, XXXX has been unable to validate this public record item upon my request, stating : No such documentation exists in our database. Additionally, as shown by the attached documentation, I have been unable to obtain any such lien documentation from the state of Georgia tax agencies. Due to this lack of documentation and validation, I must request further assistance from Equifax, as outlined in the accompanying letter. 

Thank you for your continued attention and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have a lot of unauthorized inquiries on my credit reports. I have been constantly asking for them to be removed from my report and they are still on there. 

Inquiries on my Transunion Report : XXXX XXXX XXXX ( XX/XX/2021 ) XXXX  XXXX XXXX ( XX/XX/2021 ) XXXX XXXX ( XX/XX/2021 ) XXXX XXXX ( XX/XX/2021 ) XXXX XXXX XXXX XXXX XX/XX/2021 ) XXXX XXXX XXXX XXXX ( XX/XX/2021 ) XXXX Auto ( XX/XX/2021 ) XXXX XXXX XXXX ( XX/XX/2021 ) XXXX XXXX XXXX ( XX/XX/2021 ) XXXX XXXX XXXX XXXX ( XX/XX/2021 ) XXXX XXXX XXXXXXXX ( XX/XX/2021 XXXX Inquiries on My XXXX Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XX/XX/2021 )

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 2019-05-07
Company: ONLINE Information Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Online Collections is reporting a debt on my credit file that I not owe. I have never heard of this debt and received not one notification, letters, or any phone calls regarding this debt. I found out about this debt when I checked my credit file, and immediately paid it. Online collections is in clear violation of my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hyundai Motor Finiance has failed to report my loan as satisfied to the credit bureaus. This was a 5 year loan that was paid off approximately 1 year early in XXXX of 2020. All three Credit Bureaus ( XXXX XXXX, XXXX  and XXXX  ) are showing an account balance of XXXX still pending.

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 2022-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this debt account I sent transUnsion a letter well over a month ago and TransUnion exceeded the thirty days allowed and by law you must remove this negative account. Afrer being verified it has been determine to not have the same name. 

I would appreciate if you could remove the 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 non-monetary relief
Consumer complaint received 2019-05-07
Company: Community Health Investment Company, LLC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a Collection notice from Professional Account Services , Inc. for a hospital bill in XX/XX/2018. I explained that I have contacted the hospital many times about the fact that my insurance company stated I reached my max out-of-pocket amount in XX/XX/2018. Therefore, I was advised to inform the hospital to bill the insurance company directly. Despite the fact that I have advised the hospital verbally and in writing to bill the insurance company, the hospital nonetheless sent the account to Collections. 

The Collections agent told me I need to clear it up with the hospital, but when I told her I've already tried many times yet they still sent it to Collections, she told me that's my problem. I asked why they don't contact the hospital ( their Customer ) and she said they don't do that. I let her know that if I am contact by Collections again, I will consider it harassment and make a complaint. She said she will just block my call. 

I have not had experience with Collection Agents, but this woman fit the stereotype I've seen in movies and television.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: NAVY FEDERAL CREDIT UNION
State: NV
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:
Hello, on XXXX, checked my credit report with XXXX, XXXX and XXXX i was shocked when saw some credit cards, addresses not belongs to me. 
Since XXXX i live in XXXX, XXXX, and since than never been in US. 
XXXX XXXX BANK XXXX XXXX Date Opened - XX/XX/XXXX, XXXX XXXX - {$5000.00} XXXX XXXX Date Opened - XX/XX/XXXX, XXXX XXXX - {$6000.00} XXXX XXXX CR UNION Date Opened - XX/XX/XXXX, XXXX XXXX - {$7800.00} also the addresses in credit report, i have never lived there XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am writing you to lodge a formal complaint about 4 overdraft fees that were recently charged to my account. I am a dedicated online banker.  I love Bank of America’s to-the-minute online status updates.  It is just one of the many reasons I switched to BoA from XXXX.  Since joining BoA I have operated under the “as long as there is a positive amount in the account at the end of the day, you won’t get charged an overdraft fee” rule.  I was completely shocked to see four overdraft charges show up on a XX/XX/XXXX. What made the issue even worse is that on the next business day which was XX/XX/XXXX, I received a direct deposit.

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 2019-05-07
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XXXX XXXX XXXX XXXX XXXX. N.Y. XXXX XXXX Consumer Financial Protection Bureau Re : American Express Asked to close and XXXX out balance on Account ending in XXXX To Whom It may Concern On XX/XX/XXXX I XXXX XXXX called American Express, and told them that I was not the owner of the corporate account XXXX XXXX XXXX. Which held my name in one of its credit cards in the past. I had mentioned to the person that the company had closed.Individual stated the call would be recorded I also stated to the individual to give me the balance on the card which I would pay the amount off and to close the last six digits of account XXXX. The American Express Employee told me the total was XXXX which was drawn from my personal checking account at the time of closing the account XX/XX/XXXX with my permission to ( XXXX ) XXXX out the account balance. Which never occurred. 
I received a letter from American Express dated XX/XX/XXXX notifying me of the account being closed see attached. 
I received several past due notices and I called American Express on XX/XX/XXXXspoke initially to XXXX, explaining at the time of closing the account all payments were made. She stood firm in saying that the bill was outstanding and that their was nothing she could do. I asked to speak to her supervisor, Hence the conversation with Supervisor XXXX. These two individuals would not look into the matter to rectify the error made by American Express employee on a recorded line. 
No one would review the recording that was made on the day of my conversation with the person that closed the account, and on/or about XX/XX/XXXX an ACH amount of XXXX was withdrawn on my personal bank account by American Express. 
I received a letter dated XX/XX/XXXX from American Express that I had a past due on this same card of {$84.00} and total due at this time was {$150.00}. This notice shows a ( {$0.00} ) difference in amount charged by American Express Employee on XX/XX/XXXX. As the account was closed earlier there should not have been any past due amounts. Company error has created this fiasco. 
As time has gone by American Express has removed the Companies name from there billing and have assigned the account to me with out my authorization. This is surely a violation of my rights and Financial law.Please see attachments. 
Confirmation letter closing act ending in XXXX dated XX/XX/XXXX removal of corporate name as well Bank statement showing ach withdrawal by American Express on XX/XX/XXXX Letter dated XX/XX/XXXX with past due amount. With corporate name The company has authorized collectors to call my home on Sundays at XXXX in the morning continue harassment and ruining my credit has forced me to take these actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Equifax continues to report inaccurate=fraudulent inquires on my credit report. I have submitted numerous ftc reports, written numerous letters, called multiple occasions, about three to five fraudulent inquiries still on my credit report, I have received letters from Equifax stating that they deleted the inquires, even still they are on my Equifax credit report. Equifax and there shady business practices need to be looked into. Equifax remove these inquires now! I have documented and attach below all proof of my words.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I opened an account at Chase Bank back in X/2016 and immediately started having problems with them. I made a deposit of XXXX which XXXX is owe to me from my accounts. I have been more than patient on waiting to be credit to me from this bank and still nothing till today.I am requesting a thoural investigation of this account has it had been tampered with by branch personnel employees. I had several different accounts where is my Chase Liquid Account balance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: JFQ Lending, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Company name : JFQ Lending Dates : XX/XX/2021 and several more before this Amount : {$2200.00} of " Available Funds '' History : We've recently purchased a home with mortgage loan from another company. Never have we contacted " JFQ Lending '' before. 

XX/XX/2021 : called company to stop sending false statement in order to refinance with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: JPMORGAN CHASE & CO.
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I arranged payment in full on my Chase XXXX card for payment on XX/XX/2019. They charged me interest of {$43.00} on XX/XX/2019 and didn't post my payment till XX/XX/2019. I called customer service And the c/s rep refused to remove the interest charge. I sent email messages to Chase three times, and again was told they would mot remove the interest fee. 
They just said this is their policy. I feel this is not Customer Service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-25
Company: Mercedes Benz Financial Services
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid my loan to Mercedes Benz Financial Services as agreed. After making the final payment I discovered that the lender had lost the vehicle title. All they are willing to do is send me a paid in full letter. I think that the lender is responsible for the safe keeping of the collateral ( vehicle title ) and that they should be required to obtain a duplicate title. I am trying to sell the vehicle but am unable to do so without a title.

Company response to consumer: Closed with explanation