BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-14
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered inquiries that I have no knowledge of. 

Because I did not apply for credit with the lender and/or creditors below, I have also reached out asking that they remove the inquiry from my credit profile. 

Please launch an investigation into the inquiries to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if the below lender/creditors are able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XXXX XXXX I made contact with my cell XXXX to Bank of America and Rep stated to me on a phone recorded conversation that was recorded by BOA that my checking account ending in # XXXX was closed. 
I was totally shocked by BOA statement in closing my checking account that I had for almost two years. 
Also, I had a payment to California Franchise Tax  of {$50.00} and it was declined by BOA and now BOA has put me on default with State of California Franchise Tax Board. 
I explained details to California Franchise Tax, but it appears i will have a issue. 

So I made contact with US Senator XXXX XXXX on my issues and I am respectfully requesting a Federal Investigations against BOA. 
This is a Discrimination and Retaliation against me as a XXXX American XXXX XXXX XXXX, XXXX Lifetime, Retired and a XXXX XXXX XXXX Military Veteran. 
BOA violated my ADA Disability Civil Rights Act under Department of Justice. 
My filed complaints should be investigated by the ADA Department of Justice and the FBI. 

Also on XXXX XXXX with BOA recorded phone conversation with BOA Rep I was transferred to BOA of Texas and they have me listening to audios of procedures of BOA opening a new checking account. 
The new BOA checking account is # XXXX..Routing # XXXX with new Visa debit card been shipped to my home address in a week. 
My BOA Visa debit card ending # XXXX was eliminated by BOA.

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 2021-06-27
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/2021, I sent the credit reporting agencies and XXXX XXXX letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.There is False bankruptcy information showing on my report which is inaccurate. I have already disputed with the credit bureaus via certified mail and have gotten no response. I have contacted the County Clerk at the court and they have also stated that they do not furnish any information to the bureaus so the bankruptcy on my credit report is illegal and damaging to my credit score. You have failed to conduct a truthful investigation into this PUBLIC RECORD within the provisions of consumer laws. NOT IN COMPLIANT! Its impossible that you indeed investigated or even attempted to look into these public record listed below because I asked the court clerk if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verified this? For example, court name is not accurate each credit reporting agency must report the actual name of the court, followed by city, state. You are required to obtain verification from the DATA FURNISHER and the court told me that they do not verify with you, so HOW is anything else considered legal verification? I need you to send me the petition to verify this account. If you can not do that, then this needs to be removed and permanently deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
You guys said I called capital one about a account how did i call you guys about a account that i never knew about or had no knowledge about the XXXX number isnt mine and yall said its my birthday linked to the account of course its my birthday how would they open the account without my birthdate and ssn im not pay off no debt that I didnt do i was XXXX of the time this account was open and you guys got ta take it off i wont for something I didnt do. Its crazy how everyone know it wasnt me but you guys keep saying yall know it was me that opened up a credit card at XXXX I didnt even know how to open a bank account at that age.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: Northwood Asset Management Group
State: PA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
A company continues to call me from XXXX. The representative is impersonating a lawyer and threatens to see me in court and hangs up the phone when I ask for a validation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened AMEX XXXX XXXX card on XX/XX/XXXX. The welcome bonus offer was 50K XXXX skymiles, 10K MQM and {$100.00} statement credit.

In past, AMEX had clearly communicated via " welcome bonus qualification tool '' if i'd be ineligible for welcome bonus before submitting the application. However, i didn't receive such messages and was instantly approved for this credit card online.

I've already paid the annual fee of {$190.00} as of XX/XX/XXXX statement and when i called AMEX to inquire about the status of my welcome bonus offer, to my surprise, i was told by CS rep that welcome bonus is declined for me. They never informed me that i'm not eligible for welcome bonus offer until i asked them. When i asked them to inquire about this, they are accusing me of misusing the system by enjoying welcome bonus and not using the cards in subsequent years. Talking to customer rep, i was told that I enjoyed XXXX or XXXX XXXX card welcome bonus. However, that's not true as AMEX ended it's relationship with XXXX and moved that card to XXXX ( i'm still using it on everyday ) and XXXX moved XXXX cards to AMEX. So they are making this judgement because i've few cards that were transferred out or in and not in use much.

I'm surprised that, they never informed me about this before submitting the application or charging me annual fee. The customer service rep have been very rude and unhelpful even after multiple attempt to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I attempted to reach Capital One investigation team at XXXX earlier today, XX/XX/20, I was on hold for over fifteen minutes and no one picked up.. My attempt to contact is in regard to prior CFPB complaint ID XXXX and investigation ID XXXX, a check intercepted and signed in my name. My call was to inform the rep ( s ) I was able to reach the other party whom cashed check, was able to obtain funds from the party after speaking for over half a hour over the phone.. I wanted to inform the investigator to close the case out, however, I was unable to reach any reps via phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Chime Financial Inc
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:
Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit - Non-Receipt of Goods or Services Date Error Reported : XXXX Claim Amount : {$120.00} Hello XXXX XXXX, This letter is to inform you that we have made a final determination regarding the claim referenced above. As part of our investigation, a review of our systems was performed in addition to information provided during the claim filing process. As applicable, we coordinate with other financial institutions, merchants, and networks as part of the claim review. 

Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. 

You may request a copy of the documents we used in determining the final outcome of the investigation. If you have any additional questions or need further assistance, feel free to contact us at any time. 

Thanks, Chime Disputes Team Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit - Non-Receipt of Goods or Services Date Error Reported : XXXX Claim Amount : {$13.00} Hello XXXX XXXX, This letter is to inform you we made a final determination regarding the claim referenced above. 

Our investigation concluded an error occurred. On XXXX, the merchant issued credit in the amount of {$13.00}. We consider this credit permanent, and we reversed any applicable fees. 

We apologize for any inconvenience this may have caused you, and thank you for being a valued Chime member. 

If you have any additional questions or need further assistance, feel free to contact us at any time. 

Sincerely, Chime XXXX XXXX XXXX amount {$410.00} date XXXX XXXX denied with any documents for their decision XXXX amount {$240.00} date XXXX XXXX denied with out documents of their decision

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is about LVNV Funding. I XXXX XXXX am further requesting documentation to be provided to me as I did not receive any correspondence from LVNV Funding. The documentation I am requesting will be provided below, attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2022 I filed a complaint with CFPB for identity theft with all three credit bureaus. ( see attachment ) and then sent a handwritten dispute on XX/XX/2022 to all three credit bureaus stating the same. After their investigation, XXXX deleted XXXX XXXX ( account number XXXX ) however, Equifax and XXXX XXXX to leave it on my credit file. ( PLEASE DELETE THE ACCOUNT ) They stated that it was verified as accurate. How did XXXX and Equifax verify the account as accurate? First and foremost I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. Secondly, if all three bureaus did their due diligence in investigating the dispute they would have deleted all the accounts in question. XXXX stated that XXXX XXXX XXXX ( account number XXXX amount {$6500.00} ), ( account number XXXX amount {$1700.00} ), and ( account number XXXX amount {$250.00} ) were verified as accurate. How so when the date of the last payment doesn't match with Equifax 's reports ( see attachment ) whom also stated the accounts were accurate and verified. The Information reporting has to be 100 % accurate. So if an investigation was completed then all credit bureaus should be reporting the same information but they are not! After Equifax 's investigation, they stated that the accounts XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX were verified as accurate and modified. If the investigation took place why are there discrepancies in my credit file? Equifax has also reported that payments were made in the last XXXX  months on the charged-off accounts. ( SEE ATTACHMENTS ) This is unacceptable. All three bureaus are in violation of my consumer rights and I just wish they'd do what's fair and equitable to me as the consumer by deleting the items. It's their obligation to make sure that the information reporting is accurate and relevant and they've failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Berlin-Wheeler, Inc. (Kansas)
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
BERLIN WHEELER INC WERE SENT NOTICES OF CLAIM DISPUTE. I HAVE NO TACIT AGREEMENT OR PRIVITY OF CONTRACT WITH THE ABOVE MENTIONED FIRM.

ALSO STATED : BERLIN WHEELER INXXXX IS A THIRD PARTY JUNK DEBT BUYER, HAVING NO BONA FIDE PROOF OR FIRST HAND KNOWLEDGE THAT I SIGNED A CONTRACT WITH THE ALLEGED CREDITOR XXXX XXXX. 

BERLIN WHEELER INC ARE USING A SCHEME OF FRAUD BY MAIL/EMAIL TO IMPLY A CONTRACT BETWEEN THE PARTIES.

FURTHER STATED : BERLIN WHEELER , INC FURNISHED THE CREDIT REPORTING AGENCIES WITH FALSE, FRAUDULENT, AND MISLEADING INFORMATION, RESULTING IN A MAJOR DECLINE OF MY CREDIT SCORE, AND DENIALS FOR CREDIT. THIS IS A DIRECT VIOLATION OF THE FDCPA AND [ FCRA 1681b ] WITH REMEDY UNDER [ FCRA 1681n ].

ACCORDING TO THE PUBLIC ACCESS TO COURT ELECTRONIC RECORDS ( PACER ), BERLIN WHEELER , INC. HAS BEEN SUED SEVEN PLUS TIMES OVER THE LAST TWO YEARS FOR DEBT COLLECTION HARASSMENT. 

THIS IS PRIMA FACIA EVIDENCE OF RACKETEERING AGAINST THE PARTY ( S ). 

THERE IS NO PROOF TO THE CONTRARY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: Navient Solutions, LLC.
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX I applied for the income based repayment plan so that I could qualify for the Federal Service Loan Forgiveness after 10 years. On XX/XX/XXXX I called to check to see how many months remained and was told I was only on the income based repayment plan for 2 years. The woman I spoke to, Ms. XXXX XXXX, said prior to that it appeared I was on the income based contingent plan even though I asked to be put on the income based repayment plan and and she commented that they Navient puts you on the plan that is best for you. Needless to say this isnt the plan that is best for me. This is the plan that is best for them. I wont get credit for the time I have been making payments. She also said I apologize for the wrong information you were given. Well, this has wiped out 6 years worth of payments and has derailed the plans I had of applying for the PSLF in two years. So basically {$80000.00} in Lon forgiveness is gone because they gave me wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: EQUIFAX, 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:
There are three collections reporting on my credit file for over many years with. The debt is being bought and resold under other companies, after the investigated under the previous companies and deleted. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Equifax, XXXX and XXXX all allowing this to repeat after each bureau has repeatedly removed these collections I have never owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: EQUIFAX, INC.
State: CT
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 demand the removal of any and all " late payment '' entries or XXXX delinquencies on my XXXX XXXX account from my consumer report. 

Per " 15 U.S. Code 1666b - Timing of payments '' : ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I direct the removal of this late payment, as I am the one extending credit. Additionally, the required information was NOT received to the consumer " not later than 21 days before the payment due date. '' I demand its removal immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: CAINE & WEINER COMPANY, INC.
State: OK
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 am filing a complaint against Caine & Weiner. This company is in clear violation of the following and these debts should be removed immediately. The creditor did not verify the debt. I am exercising my right under the Fair Credit Reporting Act, Section 609, and requested information regarding items that are listed on my consumer credit report. The creditor did not respond within a reasonable amount of time nor provided me with a copy of my signature with the provider of service where I authorized a release of my information to Caine & Weine in the amount of {$640.00}. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature which has not been sent from this creditor. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt which has yet been sent. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. This company was unable to verify the account with the original contract, and the information should be removed Immediately!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I am writing today in hopes to obtain your help. Currently I am working on reviewing my credit, paying down my balances, and working toward better credit worthiness. You play an important role in this process. I am inquiring about the account number referenced in this complaint. I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX and XXXX ) on XX/XX/2015 and I am writing to get this remark retracted. I had believe I had made all my payments on time, the only I could think of, is that my statement didn't get to me in time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-04
Company: JPMORGAN CHASE & CO.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have received a 30-Day Late fee on my account, but payment was made on time. I receive ( 2 ) Statements from the same loan, but different payment addresses every month. I would make a payment to XXXX, and the payment would be redirected to Chase. XXXX XXXX XXXX XXXX, I have sent in ( 4 ) Letters requesting to look at the 30 days late and verify the documentation from XXXX XXXX, which shows I was not late on any payment. No receipt was received or acknowledged. I hired XXXX and XXXX and a letter was sent on my behalf to the Credit Bureaus and Lender. I received a letter back from Chase, stating I could NOT use an attorney to represent me but had to write myself, which I had done in ( 4 ) letters. I contacted XXXX # XXXX and XXXX XXXX who also failed to acknowledge the problem and even review the documents. Chase has refused to allow me to counsel in this matter. Per XXXX has assigned the case to the Special Collections Department, which has been done on ( 3 ) separate incidents. XXXX can be contacted at XXXX Per XXXX, another review is 48-72 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/21 I sent a letter regarding inaccurate and incomplete credit information on my credit report. To this day over 90days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. I demand these account be deleted or updated immediately or I will file for litigation due to the stress you cause 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 non-monetary relief