BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-08
Company: FORD MOTOR CREDIT CO.
State: WA
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:
Ford Motor Company reported 30 months of late payments. I owed {$1700.00} left on a vehicle costing {$27000.00}. My car payments were {$350.00} The car was a charge off but they continue to add late payments every month even though the account is closed. I have Repeating disputed this issue. The credit companies claim they investigate it. The information isnt correct, I tried Initially to have them repurchase the car under lemon law. They wouldnt allow me to although the vehicle has had several class action suits the latest being the air bag failure. Ford fights every case hoping the consumer will lose interest. I am Hopeful I can receive help here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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, has violated my rights account opened XX/XX/2021 for {$1200.00} 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 2019-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX have been a victim of Identity theft and have been trying to resolve this problem with XXXX AND BANK OF AMERICA. I have submitted more than enough evidence to have this fraudulent account removed from both parties. None of these companies have resolved my issue and have violated my rights under the Fair credit reporting act and the Fair credit billing act. I have submitted complaints with the federal trade commission and my local police department regarding my concerns. I have sent them everything that is required by law to remove any fraudulent account and they have ignored my request.

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 2019-07-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Account got charged an overdraft + fee + ( fee of overdraft fee ) even thought I did not enroll for overdraft. Is this a fair situation? 

XX/XX/19 Service Charge Sustained Od - {$30.00} - {$390.00} XX/XX/19 Miscellaneous Charge Dda Debit - {$83.00} - {$360.00} XX/XX/19 Fee Overdraft ( 3 At {$35.00} Each ) |eNotice - {$100.00} - {$270.00} XX/XX/19 Preauthorized Debit Citizensbank Na Payment - {$50.00} - {$170.00} XX/XX/19 Preauthorized Debit Citizensbank Na Payment - {$80.00} - {$120.00} XX/XX/19 Preauthorized Debit XXXX XXXX XXXX Phone Pymt XXXX {$100.00} - {$41.00} XX/XX/19 DBT Purchase XXXX Ny XXXX - {$200.00} {$66.00} XX/XX/19 ATM Deposit XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX {$250.00} {$260.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: The CMI Group, Inc.
State: MO
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 recently Disputed this matter with XXXX, XXXX, and XXXX. Unfortunately They Have failed to reach back by mail with the Burden of Proof within the required 30 days. I have stated to them the information is incorrect on my credit report and is fraud, This falls under The FRCA Requirements, and I have shown a 601 goodwill letter after the first dispute. Please provide Burden of proof by mail that the information is accurate or remove this account due to Fair Privacy Act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-24
Company: Army and Air Force Exchange Service
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX i obtained my credit report and found several incorrect information. Among these were the account listed with XXXX XXXX credit card. In late XX/XX/XXXX i sent a letter to all three credit bureaus requesting a letter of validation of debt. Neither one responded. Late XXXX i sent in a second letter of validation, which i have verification that they all received my second letter on the XX/XX/XXXX. Neither one has responded. XXXX XXXX has threatened to garnish my federal tax refund for a debt i did not approve, make, or do. They have not validated this debt. My information has been compromised and they have yet to prove that I am legally responsible for this debt. I get several calls from them DAILY!!!! I have spoken to a woman in the fraud department, XXXX, and her response was to email the fraud department. I emailed the fraud department and i have yet to receive a response. This has caused an emotional stress on my health dealing with this company. No one can give me answers why and how my information was stolen to open this credit card, yet they can call, harass me and threaten me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: DISCOVER BANK
State: AL
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 was on a flight to Colorado ( with XXXX family members ) when the second leg of our flight was cancelled & we were unable to rebook another flight. As soon as we were off the plane & able to, we called to cancel the hotel we had booked in Colorado, since we were not going to make it there. After explaining the situation to the person at the hotel, as well as a person at XXXX, they refused to refund our money. I immediately filed a dispute with Discover for the flight and hotel. After a short period of time, they gave us provisional credit for the flight and hotel. While the flight dispute was found in our favor, the hotel dispute was not and over XXXX days later, the charge was put back on my account. I contacted Discover & received an automated response & no one ever bothered to get back to me. I tried again and after XXXX minutes I was connected with a customer service rep. She asked for documentation of cancellation, which I obviously didn't have because we had to call to cancel and got the run around from both the hotel and XXXX, hence the dispute. I was told that I would need documentation & when I told the representative that I had the name of the person I spoke with at the hotel & the phone records showing that I had called, she then said that I would need written documentation, which I had already told her I didn't have because I called to cancel. During the time I was on the chat with the representative, I was XXXX logged off & received automated responses when I logged back on. I was eventually able to chat with a person again, but the time I wasted waiting was unacceptable. I will be making complaints against both the hotel and XXXX as well..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Chime Financial Inc
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
This complaint is regarding CHIME Online banking, the freezing of my account, the failure to communicate, and the most egregious not returning my money when I asked for my account to be closed. 

Friday XX/XX/21 I received three automated e-mail about unusual activity and that I needed to send all my personal documents via e-mail to them. 

I was traveling that week, they froze my account. 

Friday XX/XX/21 I uncomfortably sent all these documents and personal information via e-mail. 
-received an automated e-mail saying basically " not good enough '' I send another e-mail with better pictures of these documents. 
-received an automated e-mail again Saturday XX/XX/21 I send them a reply with more documents INCLUDING me having to send a picture of myself holding my passport Meanwhile NOT ANSWERING any of my many questions, just automated e-mail after another. I don't think I have ever felt this ignored and disrespected in my life. 

A few more automated e-mails requesting my documents then finally they sent an e-mail saying because I didn't comply they were closing my ticket, and if I wanted them to unfreeze my account I'd have to open a new ticket requesting assistance ARE YOU KIDDING ME? 

-Finally I sent them an e-mail that Sunday requesting that they return my money and close my account, tired of being treated like trash and not being able to access my money. 

-It 's Tuesday night and after a few e-mails asking for the return of my money and closing of my account they haven't replied with a single e-mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hello, I reaching out to you all again, I'm not sure if you received my information. I contacted the police and FTC about this situation. I went to the car dealership to try and buy a new car. I was denied the loan because of bad things on my credit I went and got my credit report done and there were several things that were not mine. I need those things taken off quickly, they are affecting my credit. XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
The Letter below was sent to both XXXX XXXX XXXX and Citizens Bank in an attempt to secure funds in the amount of {$5000.00} back, which was provided to the city of XXXX as part of a bidding process for a city contract. A fellow towing company has already received their funds back even though we had the same situation. We can't understand why these institutions can't get us the same reconciliation. 

XX/XX/XXXX XXXX  XXXX, Chairman of the Board Chief Executive Officer XXXX XXXX, President, Preferred and Small Business Banking XXXX XXXX XXXX XXXX, XXXX XXXX, New York XXXX XXXX XXXX and XXXX XXXX : I write to resolve a financial matter, which may be small to you all in the value of the problem but, as a small business a very big one for us. 

On XX/XX/XXXX the owner and operator of XXXX XXXX XXXX XXXX , XXXX withdrew {$5000.00} from his XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX account and had it issued as a XXXX XXXX Treasurers Check # XXXX for Tax ID # XXXX. This Treasurers Check was then turned over to the City of XXXX as part of the bidding process for a city towing contract. 

For some unknown reason the city of XXXX held this check in their safe for the period of XX/XX/XXXX until XX/XX/XXXX when they returned it to XXXX XXXX XXXX XXXX , XXXX We have checked with the states of New York and Massachusetts and to no avail both states have informed us that there are no funds being held as Found Property. Therefore, this leaves us to believe that these fund that were drawn on our account are still with XXXX XXXX XXXX  XXXX. 

We are hoping that we will not need to take any other actions other than asking you to address this matter as we have received no support at the level of those banking employees who are at the first level of your organization. 

Please find enclosed a copy of the Treasurers Check for your review and consideration. We would like our {$5000.00} back. 

Please feel free to contact me at XXXX or by call me direct at XXXX. 

Thank you for your assistance with this matter and I look forward to hearing from you. 

Respectfully, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I made a contract with the XXXX XXXX company without a contract and without placing social security. Cancel the contract because they used deceptive practices. I was reported to the three credit companies XXXX, XXXX and Experian for a balance of {$190.00}. How did this company get my social security number?

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 2019-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
submitted a method of verification request on XX/XX/2019. Received no response. I followed up again on XX/XX/2019, allowing the company another until XX/XX/2019 to respond. To date XX/XX/19 I have received no response regarding the method of verification. Instead of returning method of verification information transunion responded with new credit report dated XX/XX/19 # XXXX stating that item is accurate. Their evasive actions in violation of the FCRA guidlines which was 15 days of receipt to supply information.

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 2019-10-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card was used for an unauthorized transaction at XXXX XXXX, I reported the transaction to chase bank and told them it would be impossible for me to charge that amount- my card was charged exactly for the amount leftover in my account. I was not in the area at all, the date the charge was posted I was at work and did not notice until after. They started the " investigation '' and I just got off the phone with a chase bank representative and was told that because it was a chip transaction I had to be there. I repeatedly insisted that I was not there and they told me because my card was previously in my possession and not missing there was not much that could be done. I did not buy shoes and I was not there when this was charged to my account, now I have to reach out to XXXX XXXX and see what I can do because chase was unable to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: Real Time Group, Inc.
State: CO
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Real Time Resolutions is there name. I emailed them twice 2 send me letter of dept validation over 10 days ago and still no letter was sent out. Went to the web site they told me to go to but my info was not in there and it was coming up blank in most sections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was robbed/conned out of Thousands of Dollars by whom I now know to be XXXX XXXX. Chase Bank refuse to refund me the money, I was under the impression my money in the bank is FDIC insured. 

I filled a police report REPORT NUMBER : XXXX on XX/XX/2020 that completely went ignored by the XXXX County Police Dept. I launched my own investigation and was able to get surveillance of the perpetrator. However I went as far as I can go as a civilian. Luckily he also committed the crime in XXXX, and I was able to get the help of Officer XXXX XXXX and Sargent XXXX XXXX. They really cared about me and we got him arrested. However, he only served 3 hours and he was nabbed on only {$500.00} prepaid cards he purchased with my bank cards at XXXX in XXXX, Washington. 

I want to alert you that XXXX befriended me in XX/XX/2020, and by XX/XX/XXXX he asked me to lend him {$4200.00} in cash and he provided personal checks on the spot that ended up bouncing. That afternoon he stole my bank cards as unknown to me he watched me enter my PIN when I lent him the money utilizing the ATM. He proceeded to go on a 3 days stealing spree until I received fraud alerts, as I was quarantined indoors and had no idea my cards went missing. This has resulted in Chase not wanting to return the {$2400.00} he stole from me, as well as, i'm  out of the {$4200.00} bounced checks, and XXXX still owes me {$1200.00} that i have to contest. 

My life has been turned upside down by this sociopathic conman, i no longer have trust in people, and he was on a mission to deplete me of my life savings. He also claimed to come from a really  wealthy family of doctors back in XXXX, he portrayed himself to be an Engineer working for XXXX. He will do this to others. He claims to be here on a work visa. 

I was not able to get the surveillance from the Casino and different bank branches ATM that he used my cards at because I am merely a civilian. However, Chase Bank has been completely uncooperative. XXXX ( XXXX @ ex XXXX ) from Chase Executive Office has been completely uncooperative. They refuse to reimburse the stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: Olde City Financial Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This person ( XXXX ) continues to call my cell phone when I have continuously told him that I am not the person he is looking for. I said if he knew who he was looking for he'd have the correct number, or he could XXXX the business number of who he was looking for. He just kept trying to go off on me to '' justify '' calling and not leaving me alone even when I kept saying that I am not who he's looking for. 


Dates called : XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: SUNCOAST CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX funds were taken out of my account as instructed through online billpay. The amount was XXXX which went to XXXX XXXX  and was received on XX/XX/XXXX. The funds have yet to be located by XXXX XXXX and my XXXX payment has yet to be posted to my account. XXXX XXXX   has the trace number and this has been an ongoing issue of researching where the funds went and they have yet to resolve this. I filed a complaint to suncoast fcu for them to put the missing funds back in my account so that I can pay my mortgage and to this day they have yet to do this. I desperately need my funds to pay my mortgage and avoid foreclosure. I have been receiving debt collections notices and foreclosure threats along with being reported as 30 days late to the credit bureaus. I reached out to them about two weeks ago and there is no time frame of when I can expect to have my funds placed back in my account. I asked if this could be expedited and was told I would hear from them within 24 hours and its been weeks now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Several hour+ long calls were made to this company regarding unauthorized inquiries listed on my report. XXXX XXXX I sent a certified letter asking for verification and disputing the inaccuracies. I also had a fraud alert placed on my account months ago due to possible identity theft. I am concerned that these inquiries have reappeared after the data breach. 

Lastly, XXXX XXXX is not authorized to collect debt and I noticed was faxed into XXXX stating this along with a statement from XXXX representative acknowledging the removal from all XXXX credit bureaus. This account still remains on my account and is being reported as a recent collection from 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 2018-01-24
Company: Perfection Collection
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I went to purchase a trailer in XXXX of 2018 and this debt popped up on my XXXX credit report, so I called and disputed it. I have never heard of this company I have never received a letter or phone call in the year and 4 months it has been open. I XXXX the company and reached out to perfection collection based out of Utah and told them this was n't my debt and It was fraud the guy continued to tell me this is what everyone says, I told him I am not paying the debt and wanted proof how I was tied to this debt, he gave me nothing but some random name and a signature and an address I have never lived at. He was a XXXX and I eventually hung up, I made a claim with XXXX recently and they said my debt is active with again nothing in writing and no proof of this company ever reaching out to me to try and resolve this misunderstanding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation