BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I am concerned about how Bank of America markets its credit cards to the public. At the beginning of XXXX messages from this bank were left on my cellular phone stating they detected suspicious activity on a credit card I have with them and it have being temporarily suspended. After this message, I receive A letter with a cardboard credit card. I never have any account with them and I never request one. After that, I received a letter dated XX/XX/XXXX but receive it on XX/XX/XXXX. I was very concerned finally because it seems like a fraud After these messages. On XX/XX/XXXX I call the Bank of America Fraud line and I speak with XXXX XXXX who said can not help but refer me to another number XXXX XXXX. I speak them with XXXX who requested the number of my social security card to verify my name address, phone number, and E-mail address. I reassure XXXX XXXX I do not have or want to apply for a credit card with the Bank of America. XXXX XXXX said Do not worry you are not going to hear from us anymore. On XX/XX/XXXX, I receive a packet with a credit card. I feel they harass me to get my personal information and send me a credit card I do not request. I am concern that if I call to cancel they do not going to cancel that credit card.

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 2023-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I purchased a car XXXX XXXXXXXX XXXX finance through Capital one Auto Finance XXXX and i also purchased the gap insurance thinking if i get into a car accident the car would be paid off. XXXX month later i got into a bad car accident the car was totaled. My insurance told me that they could pay the car off but i would still owe a balance of XXXX found out that Capital One over charged me for the car and now i still owe them a balance {$1000.00}. When i was out do to the car accident i got behide on my bills. The account went into Collection now it's on my credit report and i need it removed. Due to Section 602 and Section 604 A Capital One Auto XXXX Account ending XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 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 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 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 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 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: JPMORGAN CHASE & CO.
State: WA
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 visited the XXXX XXXX in XXXX, WA on XX/XX/XXXX and purchase {$94.00} worth of groceries. During payment, there was a computer failure. I was assured that the charge did not process and the store ran my card a second time on another machine. A month later, when I received my credit card bill, I found that I had actually been charged twice for the groceries. I tried calling the store multiple times to resolve the issue and was unable to reach anyone. I attempt to file a dispute with Chase Bank via their website multiple times during the month of XX/XX/XXXX, but failed due to website errors. Multiple email requests for support were ignored. 

Finally, on XX/XX/XXXX I called and submitted a dispute request via phone. I received no written confirmation about the dispute so I called back two days later, on XX/XX/XXXX to confirm that the dispute had been filed. They had no record of the dispute so I went through and filed the dispute a second time while on the phone. Again, I received no written confirmation and no indication on my bill that my dispute had been filed. However, in subsequent phone calls on XX/XX/XXXX and XX/XX/XXXX, I confirmed the dispute existed and was told it was being investigated. After receiving no resolution to my dispute within the legally mandated XXXX billing cycles, I called again on XX/XX/XXXX to check on the status. I was told this time that there was no record of the dispute and that too much time had passed since the initial transaction for a dispute to be filed. When I mentioned again that I had filed the dispute initially on XX/XX/XXXX, the customer service representative suddenly changed his mind and decide to open yet another dispute for this charge. I have been assured that this matter will be resolved within 30 days. However, given the past failures of Chase to properly handle this case and their failure to meet their legal obligation to resolve the dispute within a timely manner, I feel it is necessary to escalate this issue to the CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
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 2023-03-27
Company: Experian Information Solutions Inc.
State: IL
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 discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CARD 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 XXXX XXXX XXXX XXXX XXXX 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 2023-03-27
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:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
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: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX  XXXX Balance : {$590.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX : {$6000.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX Balance : {$590.00} Medical XXXX Balance : {$670.00} Medical XXXX Balance : {$220.00} XXXX XXXX Balance : {$2300.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$190.00} XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXXXXXX XXXX : {$810.00} XXXX XXXXXXXX XXXX Balance : {$590.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a complaint regarding inaccurate information in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: IL
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00}.

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 2018-03-04
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX we entered into a construction loan with Wells Fargo which was converted into a conventional mortgage, at the end of the construction phase, also with Wells Fargo. We believe on XX/XX/XXXX, when we enter into a Conventional mortgage, Wells Fargo Loan Manager, XXXX XXXX, over charged us {$13000.00} in settlement charges on our home mortgage. We believe XXXX XXXX took advantage of us and did not explain and failed to disclose all of the fees properly. She did not give us ample time before closing to make a proper decision. We did not have enough time to switch lenders. The following fees, we believe were excessive ; Return to Float Fee ( {$4100.00} ), Rate Lock Extension ( {$4200.00} ), Loan Origination Fee ( {$4100.00} ), endorsement by XXXX XXXX XXXX XXXX  ( {$1100.00} ). 

On XX/XX/XXXX we attempted to refinance our existing mortgage with a lower interest rate mortgage with Wells Fargo. We again dealt with Wells Fargo Loan Manager XXXX XXXX who attempted to charge us 3/8 of point on a {$570000.00} mortgage, including another {$1200.00} for an appraisal fee. The reasoning she gave us for the 3/8 of a point cost was because our home did not appraise for {$990000.00}. On XX/XX/XXXX Wells Fargo had our home appraised. The home appraised for {$920000.00} on XX/XX/XXXX, but the e-mail Ms.Torres set to me on XX/XX/XXXX about loan options, clearly stated " **These rates are based on assumption of a credit score of XXXX, and a value of XXXX obtained as an estimate from Zillow ( we need a minimum of value of {$810000.00} so we should have no problems with value of the home ). *These rates are for today right now only, we get new rates every day and can have rates worsening and/or improvements throughout the day that we would be subject to. 
On XX/XX/XXXX we decide to refinance our mortgage with XXXX XXXX XXXX. On XX/XX/XXXX XXXX had our home appraised and it was appraised for {>= $1,000,000}, well above the {$920000.00} Wells Fargo appraised it for and above the {$990000.00} XXXX XXXX said we needed to be appraised at. This appraisal happened about a month later, and it increased {$270000.00}. We believe this proves Wells Fargo 's and their Loan Manager XXXX XXXX ' deceptive type behavior and practices. Taking advantage of customers is an unacceptable. Here are the fee Chase charged which were fair and explained correctly and not disclosed at the last minute : Origination Fee ( {$680.00} ), Charge for a specific interest rate ( {$700.00} ), Appraisal Fee ( {$800.00} ), Credit Report ( {$10.00} ), Flood Certification ( {$11.00} ), Title Service ( {$1100.00} ) for a total of {$3300.00}. A lot more acceptable than the {$13000.00} Wells Fargo charged us. To be exact {$10000.00} more acceptable.

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 2018-03-04
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2018 XXXX : I owe no monies to XXXX City of XXXX or your collection agency and I have no intention of paying {$1.00}. In fact, the hospital owes me {$300.00}. 
I am XXXX I am Medicare I live in XXXX XXXX Housing I am certified XXXX by the State of Texas I live on Social Security Income. 
I have no assets I own XXXX, XXXX in Credit Card Debt. 

The amount in question of {$520.00} is a Medicare Bad Debt reimbursable to the Hospital as a claim to the Federal Government on their annual Medicare Cost Report that they file with the Medicare program. The hospital has an XXXX policy and is only required to make reasonable collection efforts per Medicare Law as explained in the Federal Regulations as explained in the Medicare Reimbursement Manual which I have attached. The Hospital and your firm are forbidden by Law to harm a Medicare recipient by turning an unpaid account over to a Collection Agency who in turns reports the amount to Credit Bureau which hinders a Medicare recipient from obtaining housing due to a delinquency on his credit report. I can not be harmed financially when I am unable to pay. 
Since I am unable to pay, you are required by Federal Law to  return the account back to the hospital. Further collection effort has been exhausted by law and you and the hospital are breaking Federal Law by damaging me in any way from obtaining housing by reporting the amount to any Credit Bureau. 

I have attached the appropriate section of the Provider Reimbursement Manual governing the reimbursement of Medicare Bad Debts by the Hospital. And because your company and the hospital are fully knowledgeable and aware of this Federal Policy about the Federal Law regarding a Hospital claim for Federal Reimbursement for a Bad Debt related to a Medicare recipients Deductible and Coinsurance, you and the hospital are in violation of Federal Law and are now being reported to the Consumer Finance Protection Bureau. 

Furthermore, the hospital extorted {$300.00} from me before my operation when they knew I was XXXX. Therefore, the Hospital can now be sued in Small Claims Court in XXXX County, Texas which I intend to do along with a claim for XXXX my XXXX XXXX XXXX in an operation at their facility.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
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: Information belongs to someone else

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I XXXX : XXXX XXXX XXXX agent to principal. Surety reserving all rights and securities and interest due to the principal claiming Equitable subrogation. Had Multiple times I have reached out for VERIFICATION OF DEBT not validation I have not received NOT ONE true bill, contract with debtor and creditor signatures, or copy of the records used to verify these debts the 3 times I have disputing them. I have the documents unfortunately files are too large but to complete a total of 90 days 60 days passed the lawful timeframe! Matter fact one of the debts are in litigation! And two are hospital bills in order to have a true bill which is itemized and that would breach multiple laws and codes, that means they have accessed my private information! WhICH I recall SHOULD NOT BE FURNISHED BY LAW! 15 usc 1681 pursuant 16 CFR 313.4 right to privacy bay area Receivables has broken HIPAA laws and gram leech BLILEY ACT! I require compensation for the egregious defamation of character, stress and pain 15 usc 1682. I have not received a true bill, or original contract or notice giving my explicit consent to furnish my private information on MY CREDIT REPORT! THIS IS THE 3RD TIME I HAVE DISPUTED AND TRANSUNION IS NOT ACTING IN GOOD FAITH PURSUANT TO UCC! I demand TransUnion perform compensation for effecting my credit score and report with those fraudulent furnishings by deletions, and monetary compensation.

UCC 1-308 ALL RIGHTS RESERVED Without prejudice

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 2023-03-27
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2018-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
I recently got calls from 2 credit card companies, one from XXXX, the other XXXX XXXX XXXX XXXX, that I have applied credit card which I did not. I was confident that someone is applying the card on my name. I started to visit 3 major credit company websites ( XXXX, XXXX, Transunion ) to place credit freeze on, only to find out that there's obvious way to just freeze my credit. instead I am directed to buy their $ XXXX {$30.00} per month protection bundle services individually. I know that my credit information is compromised due to XXXX data leak in XX/XX/2017 and I was able to put credit freeze on this for free at least, but the rest of the other bureaus are trying to capitalize on the information leak from other bu

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