BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Saturday, XX/XX/XXXX, at approximately XXXX, we tried to deposit {$2000.00} into our joint account through ATM number XXXX, however the ATM swallowed all the bills and after an error message it accused the deposit of only {$300.00}. 
We called the number listed on the ATM machine ( XXXX ) and opened a claim number XXXX. 
The first call was at XXXX and after XXXX minutes the agent disconnected the call without a solution. 
The first agent acknowledged the error in the ATM machine and called a technician to fix the machine, however he advised us to not wait for the technician since it could take XXXX hours for the fix. 
We had to leave the ATM and drive to our destination, so we placed the second call at XXXX where to agent told us that a resolution would take place in the next XXXX. 
With no communication from the bank whatsoever, we called again on XX/XX/XXXX and after XXXX minutes we were told that a resolution could take 10 days. 
Since we have bills to pay with that cash and we can't wait that long for the release of our money ( and also every time we called a different information was given ), we called again on XX/XX/XXXX at XXXX for an update. 
The agent advised that we were eligible for a temporary credit for the missing {$1700.00}, however upon reading the notes for claim XXXX, a memo was added that their back-office rejected the request for the temporary credit. 
We requested to have that rejection escalated as Bank of America is holding our money without a proper reason. 
The agent advised that we needed to call back again to find out the response to her escalation in the next XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-21
Company: Caliber Home Loans, Inc.
State: ME
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I asked for covid-related forebearance for my FHA mortgage XXXX XX/XX/XXXX. This was extended in XX/XX/XXXX, XX/XX/XXXX, and and XX/XX/XXXX. In XXXX I contacted Caliber Home Loans to understand my options. I asked if further extension was an option, and they said I would need to apply. I said no thanks, and on XX/XX/XXXX asked to have a Partial Claim agreement sent to me for the subordinate debt. I never received that document. I have called and used their portal to ask about the status and they have said it's still in process. Last Thursday I got a voice mail from Caliber and called them back today. The rep said the document was sent XX/XX/XXXX and since they never heard back from me I'd have to make two mortgage payments to enable the partial claim. I said no ; I never received that document ( they told me it was sent regular mail ), and I never heard from them about it. The rep said there's nothing she can do so I asked to speak to a supervisor. The supervisor told me the document was sent XX/XX/XXXX ( not XX/XX/XXXX ) and that since I never replied the partial claim is " closed ''. She said they called three times across XXXX and XXXX ; I don't have any voicemails from them. I have diligently returned all of their calls during the forebearance and through the partial claim discussion, why would I ignore them now? I then asked the supervisor to walk through the timeline ; she said the docs were prepped in early XXXX and sent XX/XX/XXXX, meeting the 30 day requirement. I said that's almost 60 days ; at that point she said, there's nothing she can do to " re-open '' the partial claim ( even though the rep said she'd be able to with two mortgage payments ) and I should file a complaint if I want to. 

I am very concerned about the knowledge and professionalism that was demonstrated during my calls with Caliber today. I believe there have been a number of mistakes made throughout this process that have had a negative impact on me as a consumer. How is an important document sent via regular mail? How did Caliber miss the 30 day window by almost a month? How does Caliber only make three follow-up calls ( which I have no record of )?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: CITIBANK, N.A.
State: TX
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:
Requested a credit card product change from Citi for coverting Citi XXXX XXXX XXXX credit card to XXXX XXXX XXXX credit card. The card was converted but credit report was hard pulled without consent. No warning was given that a hard credit inquiry will be done for changing credit card products even though credit line remained the same.

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 2020-01-13
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/XXXX : Deposited {$560.00} into TCF ATM machine at their XXXX XXXX location ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX ). ATM machine asked if I can confirm amount of {$100.00} is correct. I rejected amount and asked teller at bank to investigate why the machine is incorrectly reading amount deposited. Teller opens machine and pulls out three crumpled {$100.00} bill notes that were jammed in  machine. I deposit remaining cash I did not deposit in machine and crumpled {$100.00} bills into checking account with teller and submit claim for remaining {$260.00} missing. 

XX/XX/XXXX : Call TCF customer service as no update for claim was received and was subsequently told claim was rejected. I visit same branch and inquire the same teller from before why claim was rejected. Teller says the machine gets balanced weekly and only {$100.00} in surplus was found so claim of {$260.00} was rejected. I submit another claim asking teller to add a note to investigate through the bank 's cameras both for the time when I deposited funds and when the employee ( s )  who balanced the ATM had withdrawn the machine 's funds. 

XX/XX/XXXX : Call TCF customer service and was told claim was rejected again. Visit TCF branch and same teller who now claims that the machine showed a {$0.00} balance for that week and the previously mentioned {$100.00} surplus was from another customer 's deposit. Bank refuses to show footage and in the claim 's notes, there was no investigation into the employee ( s ) who balanced the ATM.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for the Amazon Prime Rewards Visa Card on XX/XX/XXXX at the online store website of Amazon.com. This credit card is serviced by JP Morgan Chase. My application was not immediately determined approved or denied. A week later, I called to check on the application status. I was told there is still no update and that I should receive an update through the mail. My credit score is well above the minimum requirements and my credit inquiry history was relatively low. 

After over 2 weeks since the date I applied, there was still no update either through email, phone, or physical mail. I called again and I was told I was already given a mail decision. However, I never received the decision letter. The " manager '' on the phone refused to provide any copy of this letter or follow up with any type of proof. She refused to acknowledge my issue and hung up the phone. 

To this date, I still have a hard credit inquiry for XX/XX/XXXX from " XXXX CARD '' for a " Bank Credit Cards '' with a removal date of XX/XX/XXXX on my XXXX credit report. I believe this is grossly negligent on JP Morgan Chase Credit Application department 's part. Their response is willfully ignorant since no one wanted to provide me a name of the customer service agent assisting me with my issue. No support ticket was opened since they ignored any wrongdoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: EQUIFAX, INC.
State: NY
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 the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, Account # 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 Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16
Company: Experian Information Solutions Inc.
State: MI
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 sent the credit bureaus letters asking them to verify the debt on my report. They have sent it back stating that everything is verified correctly. My credit report is still showing inaccuracies. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
discover home loans 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 2023-11-10
Company: Experian Information Solutions Inc.
State: NJ
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:
I have account passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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 2023-08-15
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX XXXX Self financial was reported on my credit profile this was fraud and I ask that it be deleted, on XXXX XXXX XXXX  XXXX was fraudulently reported to my credit I asked that it be deleted, On XXXX XXXX XXXX XXXX was fraudulently reported on my credit I asked that it be deleted, On XXXX XXXX XXXX  XXXX was fraudulently reported on my credit I asked that it be deleted immediately, on XXXX XXXX XXXX XXXX bank reported a loan on my credit report this was ident theft I ask that it be deleted immediately, XXXX XXXX XXXX fraudulently reported a secured loan I asked that it be deleted immediately, On XXXX XXXX self fraudulently reported another loan I asked that theirs be deleted immediately, on XXXX XXXX upstart reported a unsecured line of credit this is fraudulent I asked that all these items be deleted from, y credit profile I am not able to get funding and its a defamation of character and I well take legal action .15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a concimelam demanding the deletion of the Accounts

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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 am writing to express my concern regarding the accuracy and integrity of your company 's data. As per the FCRA section 611, it is crucial to maintain accurate records that can be relied upon by not just customers but also potential lenders and employers. I have done some research on Metro 2 compliance standards, and I believe there may be some inaccuracies in reporting going forward if these issues are not promptly addressed. Before taking any further action, I would appreciate any feedback you can provide to resolve these issues amicably. The following items are listed in the attach to the letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-03
Company: Fidelity National Information Services, Inc. (FNIS)
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 filed a dispute with Chex system about a checking account that I closed with XXXX XXXX XXXX XXXX Bank the account was opened XXXX I closed the account in XX/XX/2020 I was unhappy with the service. When I applied for the account I opted out of the over draft protection some how XXXX XXXX XXXX XXXX closed my account as I requested but are saying they paid a bill which I didnt have over draft protection in the amount of {$370.00} I have called XXXX XXXX XXXX XXXX numerous of times asking what account was paid and please forward me what was paid and why was it paid it I didnt have over draft protection its been two months now and I have yet to receive any thing from XXXX XXXX XXXX XXXX or Chex system.I was reported to Chex system I filed a dispute with Chex system and I have not got a response I want for this to be took off my report closed out from Chex system as well as XXXX XXXX XXXX XXXX I dont owe {$370.00}.

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 2023-04-16
Company: Experian Information Solutions Inc.
State: MI
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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX XXXX XXXX Account # XXXX XXXXAccount # XXXX Has Violated my rights. 15 U.S.C 1681 SECTION 602 A States I have a 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 agencies 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 7 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.

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 2018-12-27
Company: Experian Information Solutions Inc.
State: TN
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:
Disputed the inaccurate negative mark on my Experian credit report which Experian did not look at all of my supporting documents showing that the balance was paid in full. I sent in numerous documents that showed tenant total balance is XXXX  and they still reported the account as accurate. I also sent in emails from the Tennessee Housing Development Agency coordinators stating that I do not owe this debt but it was still reported. I need for Experian to look over all of my documents that I had sent to them XX/XX/2018 by U.S. postal service mail. I have disputed with all three major reporting agencies. XXXX  has updated my dispute to reflect this account is closed and is no longer reported through XXXX. I am still waiting for XXXX to complete their investigation at which time if my documents are not correctly investigated, XXXX  will be reported as well. I have several emails from my THDA   Section 8 housing coordinators stating that this debt is fraudulent and I should not pay it because there was no verification of money owed. It also states that if this is reported on my credit that I should pursue criminal charges against the property manager of XXXX XXXX. which I have in pending status Thank you.

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 2020-10-09
Company: Penn Credit Corporation
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I'm was unaware of this account and did not have the opportunity to dispute, please remove from my credit profile as you are in violation of the Fair Credit Act. In addition, please provide the following : Assignment of debt Method of Verification Validation of Debt Also, please all parties involved in an investigations of verification. 

Here are the account that are not mine : XXXX XXXX XXXX # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose

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 2022-02-21
Company: CITIBANK, N.A.
State: MI
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 had numerous defective orders from XXXX over XXXX. When I went to get a return and refund, XXXX wanted me to pay more than the price of the items in return shipping so I filled disputes. Citibank not only discriminated against me, they also allowed XXXX  to cause me fraud. I still have the defective and wrong merchandise they sent waiting on a prepaid return label or an address within the US to ship to. I never received that. 

So CItibank assisted XXXX and their merchants to defraud me, a XXXX individual nearly $ 1K! 

Case ids : 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 monetary relief
Consumer complaint received 2020-01-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is Unbelievable, how is it that someone can use your Personal Information without your Authorization this account is fraudulent. I respectfully Request that this account be removed from my credit History. 
this is very stressful, please help me resolve this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: TX
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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