BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-06
Company: MoneyLion Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I SUBMITTED ID THEFT DISPUTE TO ALL THE OF THE MAJOR CREDIT AGENCIES WITH FULL POLICE REPORTS. XXXX  AND XXXX  WE'RE ABLE TO REMOVE THE FRAUDULENT ACCOUNT BUT XXXX REFUSES AND REFUSES TO PROVIDE INVESTIGATIVE DETAILS FROM THE COMPANY IN QUESTION THAT PROVE THAT THIS ACCOUNT IS MINE. THE REFUSE TO BLOCK THIS ACCOUNT AS IS MY RIGHT PER THE FAIR CREDIT ACT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have some new inquiries that I did not authorized and would like them removed. 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 2018-06-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I informed Chase Bank on XX/XX/XXXX that I noticed fraudulent activity in my checking account via ATM withdrawals sporadically beginning in Mid XX/XX/XXXX, through to early XX/XX/XXXX. There were 9, {$80.00} dollar withdrawals in the total amount of {$720.00}. I noticed this fraudulent activity after seeing ATM withdrawals pending in my account that I had not taken part in. I called Chase right away and notified them of this. 

They temporarily refunded me while they " investigated the issue. '' One month later the {$720.00} in funds were taken out of my account again by Chase because they said that the fraudulent charges were justified, ie they said that the withdrawals were made by me because the card and pin were present and that the withdrawals were made in my " general geographic area '' ( withdrawals that occurred sometimes on the same day, one in XXXX XXXX, XXXX and one in XXXX XXXX, XXXX  ). They said I could have given someone my card to use at the ATM, which is a mind-bogglingly offensive accusation. I submitted 26 pages of paperwork to Chase to prove my whereabouts on these days, copies of text messages, proof of documents I was at work, and correspondence with coworkers of my whereabouts. I also filed a police report. When at the police station they explained that is very common for a card number and pin to be pulled and used at ATM locations. In fact, I was the 3rd person that day to make that type of police report. 

After submitting all of my paperwork, Chase responded to me again in saying that they think all of the charges were justified and will not refund me the {$720.00} that was taken from me. I am currently in the process of closing all of my accounts with Chase as I am horrified they think that they can take advantage of me in this way. I would love to know what their investigation team consists of, and I know now they obviously never make use of the cameras on their ATMs. I am horrified to know how unsafe my money has been these 10 years as I have had an IRA, checking, savings, and credit card all with Chase. I hope this can somehow shed light on how horrendous Chase treats their customers, and prevent this from happening to someone else. I am spreading the word in any way that I can that Chase cares nothing about the people who have their money at their establishment, people who just want to have their money be kept safe.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Bank of America is going to sell my home through a foreclosure sale after Bank of America informed me that I can avoid the foreclosure sale by selling my home by myself or with the assistance of a Realtor.

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 2018-06-26
Company: LoanCare, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have made three written requests to cancel PMI, dating back to late 2017. I am entitled to have PMI removed. Nevertheless, LoanCare is continuing to wrongfully charge me PMI every month.

According to LoanCare 's website : " If you have a good payment history, you may request cancellation of your PMI on or after the date the principal balance of your loan : ( 1 ) Is first scheduled to reach 80 % of the original value of the property ( 80 % LTV ). ( 2 ) Actually reaches 80 % of the original value of the property. '' I first qualified for cancellation of PMI ( and requested cancellation of PMI ) based on the above in late 2017. Nevertheless, LoanCare is still charging me {$36.00} each month for PMI. LoanCare ignores my messages.

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 2018-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I checked my bank account as i normally do every other day, and i noticed that had a a fraudulent transaction. Someone in California hacked my debit card and make 3 purchases of {$3000.00} each. I called immediately to my bank to make a claim and dispute the charges. In the process, one of the customers services representative explained to me, that because it was a big significant amount, 2 of the 3 transaction was not going to go through. And that they were making a claim for only {$3000.00} out of the {$9000.00}. When i made the claim, the bank issued me a new debit card, they gave me a new user name and password for my bank mobile app, and they also ask me for a secret password in case something like this happened again, they could verify my identity. In result of this situation, I also called all the creditors unions, such as XXXX, XXXX, XXXX to request a security alert. Two weeks after the incident, on XX/XX/XXXX, when i checked my bank account once more, I noticed that Bank of America did charge the {$6000.00} that they said were not going through on the weeks prior. I called again to my financial institute to dispute the charges that I originally try to dispute on XX/XX/XXXX. When I reached out to them after waiting their 10 days of verification and processing, another representative told me that the money was going back to my account on XX/XX/XXXX. On XX/XX/XXXX, i called to check the status of the money once again, and this time another associate told me that BANK OF AMERICA has denied my dispute due an insufficient urgency from part. That same day I went to the closest branch around my neighborhood. In person and with a help of the branch manager, I made a written complain, explaining the situation above. This complaint was fax to the Bank of America debit card operation. And even though they promised to expedite my case file, still today they have not giving me a clear respond about my money. Its been over a month and so since this unfortunate event, i have been call bank of america at least 60 time these past weeks, and I have been told from their customers services departments many different outcomes. I do not understand what they meant about me not having an urgency regarding the situation, when i followed all the steps they asked me to. I have evidence of my calls, of the bank sending me plenty of secure codes and emails from their part advising what to do in cases like this. Its evident that I did have an urgency since day one.

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 2021-04-30
Company: United Collection Bureau, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have already disputed this debt once before and it was removed from my credit report because it does not belong to 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 2018-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 paid off my account with XXXX but they will not update my credit report to list a {$0.00} balance on this account. I tried to dispute the account with XXXX   XXXX  and Trans Union ; but they continue to verify a balance owed when there is not one owed.

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 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

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 2018-06-26
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: Account status incorrect

Complaint:
I checked my credit report and noticed that XXXX was reporting negatively with a balance past due of {$190.00}. However, this is incorrect. I closed my account in good standing in XX/XX/2018 and the balance was {$0.00}. There should have been no charges after that point. I have never received anything the mail from them about a debt owed. They didnt give me a chance to pay a balance, if there was one owed.

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 2018-06-26
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 status incorrect

Complaint:
I checked my credit report and noticed that XXXX was reporting negatively with a balance past due of {$190.00}. However, this is incorrect. I closed my account in good standing in XX/XX/2018 and the balance was {$0.00}. There should have been no charges after that point. I have never received anything the mail from them about a debt owed. They didnt give me a chance to pay a balance, if there was one owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I have attached all the letters I sent to the company, also the first one is for you. in the letters I attached you can see the date I sent out a complaint to the company and also the amounts and everything you ask above. Thank you for your help in advance

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 2018-04-12
Company: EQUIFAX, INC.
State: TX
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 paid off my account with XXXX, but they will not update my credit report to list a {$0.00} balance on this account. I tried to dispute the account with Equifax, XXXX and XXXX XXXX ; but they continue to verify a balance owed when there is not one owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Experian Information Solutions Inc.
State: AL
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:
XX/XX/XXXXand Experian were. Sent documentaion request by XXXX XXXX XXXX -furnisher/ owner of acct # XXXX. On XX/XX/2020 to delete reporting of tradeline. It is XX/XX/2020 and still being ignored by CRA just as their i investigations had not been properly completed. I have documentation sent to CRA 'S by Creditor 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 2021-04-24
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In XX/XX/XXXX of 2020 I received an email soliciting an " offer '' from Discover credit card. It said If I registered to XXXX 's XXXX  and use my Discover Card..I 'd get a {$45.00} credit.I activated this offer and went to XXXX XXXX on XX/XX/XXXX ( the offer expires XX/XX/XXXX ). XXXX 's XXXX activated my account and I paid {$45.00} to XXXX XXXX XXXX because that's what Discover told me to do in order to get a {$45.00} statement credit from Discover. After that, I spent over {$600.00} at XXXX XXXX XXXX over the next few days. However i never received my {$45.00} statement credit from Discover. I called in XXXX and was told my Discover rep that it takes 2 billing cycles. So I decide to wait 4 billing cycles. I called today, XX/XX/XXXX and spoke w a rep who advised that I didnt get the credit from Discover as " XXXX XXXX XXXX " forgot to register me and Discover needed me to call XXXX 'XXXX XXXX and correct this. She advised thar once I do that to call back and ALL the notes were in the system in case someobe else annswered. She said that by callinf Idsocver bsck AFTER calling XXXX 's XXXX, I'd get my statement credit. I asked the rep many times why i needed to do that as it didnt seem to make sense. It felt like " brush off ''. But, the Discover rep assured me once i did that and called Discover back to confirm i had done that, then Discover would be able to provide me w my long overdue {$45.00} Statement Credit. 
I called XXXX 's XXXX and explained the situation. He asked me a few questions and then told me " you're all set Mr.XXXX we now have you registered. Its odd since you were already registered and already made multiple purchases at XXXX XXXX XXXX  AND you used your Discover card each time '' I called Discover and spoke to a new rep. She advised a conflicting report and none of the notes the previous rep wrote were there. I couldn't believe my ears. The first Discover rep gave me a clear/concise set of instructions on what to do in order to receive my credit. The 2nd rep and her subsequent manager made NO effort to even understand my case and immediately admitted she knew that Discover and XXXX 's XXXX made an error that she couldn't help me. Her name is XXXX XXXX of XXXX, AZ. In the end, regardless of any mistakes or blunders caused by XXXX, Discover or XXXX 's XXXX i did what I was required by Discover to do in order to receive my {$45.00} statement credit. They enticed to go out and spend money at a specific business and for that, they would reward me. And now they dont want to pay and people like XXXX XXXX of XXXX, AZ make smug comments and tell me she and Discover could care less about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: EQUIFAX, INC.
State: NC
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:
My XXXX XXXX XXXX  Account was reported as closed on XX/XX/20 with initial remarks as " Closed at consumer 's request '' that have since been removed. This resulted in my utilization decreasing and FICO Scores dropping several points. I never requested my account to be closed and my attached current statement shows that. I contacted the company XX/XX/20 and a representative confirmed account was still open and status would automatically update. As of yesterday XX/XX/20 a full month later, account is still showing on my report as closed even though a new statement was generated on XX/XX/20. I called XXXX XXXX XXXX  a second time on yesterday XX/XX/20 and was informed by a representative that I would need to contact the Credit Bureaus myself to update since it was no error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information is missing that should be on the report

Complaint:
I have an issue with the credit bureau XXXX 
I have spent more than 30 hours in total on phone trying to solve the issue - XXXX does NOT report any credit cards on my report, and marked my score as " - ''. 
XXXX and XXXX reporting all credit cards and my score is around XXXX points. 
XXXX reports 1 credit card ( XXXX XXXX ) with No score and does not report all mine 6 credit cards as authorized users. 
I spent already a few months trying to solve and now kindly asking you to help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-12
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had paid an account in XX/XX/XXXX with XXXX XXXX XXXX and it has been removed from my credit report. Company did NOT verify my identity and went right into talking about personal information of the debt when I could have told them I was who they were looking for but it was, in fact, not. I have advised them in XX/XX/XXXX not to contact me and to cease and desist communication but had received a call on XX/XX/XXXX at XXXX EST.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-12
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 pulled my credit to myself for the first time and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$510.00} XXXX  XXXX {$720.00} XXXX XXXX {$240.00} DPT EDXXXX XXXX {$4200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Personal Loan for {$70000.00} and only needed {$63000.00} and within five days of the loan, returned {$7000.00}. I was charged interest on it and fees. Also when I make additional payment that place it as interest, rather than towards the principal. Truly unfair practice. I send additional payments to go towards the principal, NOT the interest. 

Also, I wrote Wells Fargo, CFO, a certified letter, and the letter was resealed and returned without a response. 

Thanks, XXXX XXXX, XXXX. 
Acct # 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 2021-04-06
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Medical bill after auto accident XX/XX/2021. Covered by at fault partys auto insurance when an itemized bill is provided detailing service, date of service, and cost. Neither the originating company nor the debt collection company did so after multiple requests. 

After over 2 years of no communication item was added to my XXXX credit report as in collections. 

I filed multiple disputes and added as much supporting information to prove this bill was not my responsibility. I finally recieved the itemized bill and am working with the at fault insurance company toward resolution.

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 2017-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am having significant trouble getting items on my TransUnion credit report removed and neither TransUnion or XXXX XXXX XXXX are providing me with verification of debt. In the past I have sent request for verification to XXXX XXXX XXXX but did not receive any responsive documents. Furthermore, these items have been disputed with TransUnion and TransUnion always waits four weeks then marks the information as " verified ''. However, I do not understand how TransUnion is verifying the disputed records if the data provider, XXXX XXXX XXXX, can not even provide me with proof of debt or respond to my debt verification inquiries. It may be worth nothing that other consumer reporting agencies and financial institutions have already acknowledged the records submitted by XXXX XXXX XXXX to be false. Indeed, XXXX XXXX XXXX have already been removed from other reports because the information could not be verified.

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