BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-05
Company: CITIBANK, N.A.
State: NC
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:
Recently i received a copy of my XXXX credit report and noticed multiple inquires unauthorized inquiries i did not authorize from unknown sources, i did not give permissible purpose for XXXX or any one else to run my credit, i did not apply for loans or any credit cards. XXXX gave credit card companies access to my credit report without my person. I dispute this several times in the few months, i would get an instant result saying the dispute has been resolved, but when i access my credit file nothing has been done.

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 2022-09-08
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited three checks into a Chase ATM machine. The deposit failed, and the checks were not returned to me. Upon calling the Chase XXXX, I was told that I would have to wait up to 10 days for Chase to investigate. They refused to dispatch a technician to the ATM machine to fix the problem. 

This was a critical deposit. This will literally cost me thousands of dollars because those funds are needed immediately. Had I known that Chase would wait 10 days to fix a problem, I never would have used the ATM for a critical deposit. 

They gave a scripted answer which was essentially " You have to wait 10 days. '' I called in the next day ( XX/XX/22 ), and they gave the same answer. They refused to dispatch a technician to the ATM machine to fix the problem in a reasonable amount of time. They refused to let me speak to a manager. 

The local bank staff attempted to help me but they were also blocked because of Chase 's default claim procedures.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
Recently i received a copy of my XXXX credit report and noticed multiple inquires unauthorized inquiries i did not authorize from unknown sources, i did not give permissible purpose for XXXX or any one else to run my credit, i did not apply for loans or any credit cards. XXXX gave credit card companies access to my credit report without my person. I dispute this several times in the few months, i would get an instant result saying the dispute has been resolved, but when i access my credit file nothing has been done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit 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:
XX/XX/2023, IN *XXXX XXXX XXXX Other Services XXXX XXXX XXXX XXXX {$250.00} Charged {$250.00} for GUARANTEED appointment setting yet FAILED to set even XXXX single appointment. 

XXXX XXXX XXXX never delivered the service that was sold and promised. 

XXXX XXXX XXXX stated that it could not provide a refund as it paid an undisclosed 3rd party to perform the promised service for them and they were fleeced by the 3rd party.

However, I did not pay the 3rd party, I paid XXXX XXXX XXXX. The 3rd party did not promise and GUARANTEE the service to me, XXXX XXXX XXXX did. 

As the paid for service was NEVER received, the fraudulent charge was disputed with Capital One. While the Fraudulently charged {$250.00} was temporarily credited by Capital One, the charge we posted back against the account today by Capital One WITH NO NOTICE BY PHONE, BY MAIL OR BY E-MAIL. 

When I phoned Capital One today, both their automated recording and their representative stated that the call was being recorded. However, when I stated that I would also record the call, the Capital One representative refused to discuss why Capital One re-billed the FRAUDULENT CHARGE or put the call through to a supervisor. What kind of one-way practice is this other than a blatant refusal to provide customer service or common decency? It's simply a way to conceal incompetence and a blatant failure to protect consumers from fraud per XXXX policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: UNITED COMMUNITY BANK
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 is missing that should be on the report

Complaint:
I applied for a personal loan with United Community Bank, in XXXX, Georgia in XX/XX/2020 and they have failed to report complete and accurate information concerning my loan to all THREE major credit bureaus such as XXXX, XXXX  and XXXX. The loan is for {$2500.00} and the current balance is {$1600.00}.

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 2022-09-08
Company: EQUIFAX, INC.
State: AZ
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 am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/2017 XXXX XXXX XXXX appeared on my Transunion credit report, I am disputing this inquiry and requesting documentation regarding a third party 's access to my consumer credit report pursuant to the permissible purpose provisions of the fair credit reporting act

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 2017-09-13
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: Was not notified of investigation status or results

Complaint:
Equifax allowed my information to be hacked, and they waited 30 days to notify me. Now when attempting to place a fraud alert on my account their phone and website are not functioning properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: MT
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 request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX XXXX XXXX  XXXX. Please remove this account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/19 I deposited my paycheck of {$1200.00} into my Bank of America checking account. As always, they held my check and gave me {$200.00} of it. This morning on XXXX my account was negative {$200.00} and they froze my check for absolutely no reason and now I have XXXX money to survive.

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 2018-05-22
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: Their investigation did not fix an error on your report

Complaint:
I contacted Equifax by certified mail on XX/XX/XXXX to correct personal information errors on my credit report. I also included a copy of my state id, social security card, and utility bill all containing my name XXXX XXXX XXXX XXXX on each document. I have attached a copy of the letter along with a copy of my state identification to prove my correct name with this complaint. I was a victim of the security breach at Equifax during XXXX, every since that time I have received inquiries, and letters to my home in the name XXXX XXXX XXXX. Equifax had the name listed on my credit report. I have never gone by or been known as XXXX XXXX XXXX XXXX XXXX XXXX. I contacted Equifax to have the name removed, but instead Equifax deleted my real name XXXX XXXX XXXX XXXX completely from my Credit report and replaced it with XXXX XXXX XXXX XXXX despite having 3 separate documents with my real name provided to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, a cashiers check in the amount of {$15000.00} was deposited at The XXXX, New York branch of M and T bank. The check was cleared on XX/XX/XXXX but the local branch is investigating the check can not tell me why can not tell me when and told me that it was numb available as to why it was locked.

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 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-09-08
Company: Affirm Holdings, Inc
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I noticed the issue in XXXX when I was attempting to make a purchase with XXXX. I chose pay with Affirm and Was redirected to enter my account telephone number. I do so and was then directed to in my income information. Upon hitting submit the corresponding page told me to return to XXXX and choose a different form of payment. About two days later I received an email from Affirm stating that they could not approve me because I did not provide all the information requested. Their process did not ask me for any additional information nor did he give me a phone number to call and understand their decision. That is when I initially made contact with affirm and explained the above. It was then that they verified my information and approved the transaction. 

Assuming because I already have a installment loan I attempted to make an additional two purchases on XX/XX/22 and XX/XX/22. On XX/XX/22 I did not receive any indication that theapplication was pending, just choose a different form of payment. On XX/XX/22 I received and email after a purchase attempt stating you did not provide the requested information. No information was requested And that is when I contacted customer service and explained this and that is when they provided me with a phone number to call to verify my application. 

My credit file has a fraud alert with a contact number. Even if this company does not call the number they should still provide the consumer with a number to call to confirm their identity. If the step is missed, a number of applications can be submitted under the consumer without them even attempting to prevent fraud and the consumer only receives notification that we didnt provide information. 

I believe Affirm is violating consumer rights to fair credit decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am a new customer with Bank of America mortgage. I originally setup an auto-payment for my mortgage to take out an additional principal payment each month. Recently I decided to switch back to just the required payment. In changing my auto-payment, I apparently created a second payment for the month of XX/XX/2019. My normal payment went through, but then an additional unwanted payment also was attempted. As I direct deposit only the amount of money needed for my monthly payment each month into my required Bank of America checking account, this resulted in an insufficient funds situation. When I contacted the bank, they advised me they saw what happened and told me I would receive a refund for two {$35.00} NSF fees charged in this error. This has not occurred. As Bank of America 's system did not alert me to the two scheduled payments, and I was told I would receive refunds for these fees, I request a refund for the two {$35.00} NSF fees.

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 2023-07-17
Company: Experian Information Solutions 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 disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX  Balance : {$0.00} 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 non-monetary relief
Consumer complaint received 2023-07-12
Company: Aldous & Associates, PLLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Aldous & Associates responded to the CFPB with factual misrepresentation. In complaint XXXX they were unable to prove the debt and when they responded this company continues to commit fraud. They have placed an inaccurate file on my credit report and when I dispute with the CFPB they commit fraud by claiming I did not send any dispute of debt. A dispute of debt was sent on XX/XX/2023, and was received by Aldous & Associates on XX/XX/2023. I will attach the XXXX certified electronic confirmation to this document. I will also attach the letter I sent to them on XX/XX/2023, to this document with the exhibits. 
This company continues to cause harm to my file with inaccurate information. I have shown that they have made an error and the FCRA requires they investigate which they do not do. Per conversing with a CFPB representative I have been instructed to attach the XXXX XXXX confirmation that I sent this debt dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX was reporting me late for almost 2 years even after i disputed the wrong information and the dispute took more then 30 days after disputing this for more then 8 times, and so did n't the credit bureaus do the ultimate job to investigate my disputes if they would do their job they would see that i was n't late on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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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 2023-07-17
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: Information belongs to someone else

Complaint:
After viewing my credit report I saw that there were multiple accounts I did not authorize. Nor did I benefit from any transactions listed in this report. These items are from unauthorized use of 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 2023-10-11
Company: CITIBANK, N.A.
State: NJ
Product: Credit reporting 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 FCRA THIS CREDITOR HAS VIOLATED MY RIGHTS. UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 A SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

UNDER 15 USC 1666 B A CREDITOR CAN NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN & CONSUMER CREDIT PLAN AS LATE FOR ANY REASON.

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