BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-20
Company: Experian Information Solutions Inc.
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed on my credit report very old accounts from a Student Loan company. Im not familiar with the accounts, but, nevertheless it is required by state law that no debt is reported longer than 7 years. These accounts were opened in 2010 which means they should be much easier to remove from my credit profiles ( XXXX, Experian, XXXX ). The accounts are as follows XXXX XXXX XXXX XX/XX/2010 Balance {$4400.00}, XXXX XXXX XXXX XX/XX/2010 Balance {$9700.00}, XXXX XXXX XXXX XX/XX/2010 Balance {$12000.00}.

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 2017-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Bank of America has improperly charged me fees to the amount of {$8.00} every month for the past 3 months. I have had to call in every time, waiting on hold for a ridiculous amount of time to get a hold of someone in customer service who, though they reverse the charge, has failed to resolve the issue permanently. This fee was charged for paper statements ; at no point did I ever sign up for paper statements -- further, I never received any of the paper statements in the mail that they were charging me for. Though I have gotten my money back, and hope it wo n't happen again ( do n't understand why it ca n't all be done on their side ), it has gotten immensely annoying to have to call and go through this entire process time and time again. I am writing to the CFPB so they are aware of the issue and that Bank of America takes better steps to make sure this does not happen again with me or with other customers.

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 2019-05-24
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I recently had a very unpleasant experience with Chase bank when opening a checking account. 

I received a letter from Chase inviting me to open a Sapphire checking account with them, it offers XXXX rewards points if I open the account and transfer {$75000.00} within 45 calendar days. 

So I opened the account online on XX/XX/XXXX and started transferring money from other bank accounts to this account on XX/XX/XXXX. 

Couple of days later when I checked the status, I was surprised to find that my account was locked. What's more, my online access was suspended, which involved all my Chase credit cards as well ( I could still use the cards, but lost online access ). I haven't received any communication whatsoever from Chase, so I called the bank to find out why. They didn't offer any specifics but asked me to get into a branch. There's no branch in my vicinity, so I asked my husband to visit a branch that's close to his office. 

My husband visited a branch on Friday XX/XX/XXXX. Again the branch personnel offered no specifics but asked me to show up in person at the branch. 

Later the same day I received a letter from Chase, asking me to visit local branch and mentioned the account may be closed if I do not. 

I'd like to keep the account open, so Monday XX/XX/XXXX, the next business day after I received the letter, I took time off work and visited Chase branch in XXXX. Upon arrival I was told that my account was already closed and they couldn't do anything about it. 

I was told that this happened because I didn't initiate money transfer within 10 days of account opening, however the offer letter stated clearly that the transfer period was 45 days. 

So in the end I wasted a lot of time just to get a closed account. The lack of communication and service from Chase bank is rather astonishing to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
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: Their investigation did not fix an error on your report

Complaint:
XXXX  and Transunion are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 5 and 6 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2017-09-08
Company: EQUIFAX, 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:
Equifax mishandled my information, allowing for a security breach that leaves me vulnerable to identity theft. According to their website, www.equifaxsecurity2017.com, I am a potential victim of the breach, and I would like to see a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
A company ( XXXX XXXX ) fraudulently charged our bank account debit card {$10000.00} on XX/XX/2021, when we only authorized {$5000.00}. Navy Federal Credit Union denied our claim for an unauthorized debit of our account. We provided Navy Federal Credit Union a credit card authorization form where we only authorized {$5000.00} to be debit by XXXX XXXX. 

XXXX XXXX made other fraudulent misrepresentations to Navy Federal credit Union. The false representations were confirmed by the XXXX County Inspector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: EQUIFAX, INC.
State: MO
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 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 5 and 6 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: Experian Information Solutions Inc.
State: DE
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:
This problem is with Experian. They are reporting several accounts negative and balances incorrect. I do not believe they are verifying the information at all because if they were these negative accounts would have been cleared up. My XXXX  account has me negative 4 times the remark is i had a late payment. if they actually verified the information they would know i did not have a late payment i had a partial payment and have never been late. My XXXX  credit card account is being reported with the wrong balance and not saying closed and paid in full. My XXXX XXXX account is still saying I had two missed payments after the representatives told me otherwise. Yet and still Experian is not doing their job. Then their updating it which is causing it to remain on my credit even longer.

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 2017-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I contacted Bank of America because my recently issued chip cards chip stopped working. This was due to no fault of my own. I called to get a replacement because some stores will not accept my card if the chip does not work. I was told that it would cost {$5.00} to replace the card. I did nothing to damage the card and did not lose it so I should not be penalized by having to pay a replacement fee. I asked for a non-chip card and was told that was not possible. This card is my Visa debit card attached to my bank account. If I did something that caused the damage I could potentially see paying the fee. Now I have a card that many merchants will not accept. I have been a bank customer over 20 years. As a result of this I am Bank shopping since this is not the first major inconvenience by Bank of America. I know the fee is relatively small, but its the principle. I did not ask for this chip card nor did I damage my existing one so why should I be penalized? Not to mention there are no options besides either having a bank account with a card that most merchants will not accept in a card present environment.

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 2017-11-30
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with XXXX XXXX which is managed by Ditech Financial LLC. I have never missed a payment, and the loan is in good condition. 

At XXXX XXXX on XXXX/XXXX/XXXX, I called Ditech XXXX to inform Ditech of my home insurance to change in XXXX. However, Ditech started the phone conversation as if my loan is already in default and started to collect my personal information as to get ready for the collection process and treated me as their target for collection without knowing the status of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: Checkr, Inc
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
I disputed contents of a file created by Checkr Inc. They did no first hand research although obliged to do so by law. Relying on a third party to do research makes their conclusion erroneous. The record still stands, no thorough first hand account of the information has been taken, nor is possible and they are responsible for the damages they are causing because of their disregard of the statutory obligations I am due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I received a copy of my credit report and I noticed a inaccurate account on my credit report that is being illegally reported. I sent out letters to the company who was illegally reporting this information on my credit report. According to the Fair Credit Reporting Act 15 U.S.C. 1681 A3, the information that they are reporting is supposed to be excluded from my credit report and they are illegally reporting it and I told them that. I demand this account to be deleted from my credit report. I will file for litigation for this company violating the Fair Credit Reporting Act and they are held civilly liable for reporting this debt. I am also being ignored on my disputes. My information may also have gotten in the hands of the wrong person during the XXXX data breach.

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 2023-06-06
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have funds put on hold in my PayPal account for almost a month. I've called their customer support and messaged them ( see the screen shots ) multiple times to release the funds. They mention that its an internal issue, but without any updates or explanation of when the funds will be released. 

The funds will be put on hold for almost a month now without any information or updates on when the funds will be released or when this issue will be addressed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-24
Company: Perfection Collection
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I disputed an account I was unfamiliar with on my credit report. Today at XXXX I received a phone call. The agent failed to identify himself fully on the call, did not state what the call was about, did not provide the call recording or Mini Miranda statements, did not tell me the balance or original debt owner. I stated to him several time I didnt know what it was about. He didnt care and continue to collect. I attempted several time to understand what he was calling about exactly and he refused. He stated if it was fraud I would have to handle myself and hung up. 

This is a highly abusive tactic where I had no ability to resolve the situation. I find this call harassing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Prosper Marketplace, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received a credit card in the mail from Prosper that I DID NOT APPLY FOR. It has a number on it to call and activate the card and a XXXX XXXX on the back of the card which I did call to report fraud and no one answered after 30 minutes on 2 different calls so far. 
I reviewed my 3 different credit reports and 2 of them listed soft inquiries from Prosper within the last month. 
It appears to me if I call the activation number it will likely be automated and will act as a tacit request for a credit account with them so I did not call that 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 2021-10-04
Company: HYUNDAI CAPITAL AMERICA
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: Account status incorrect

Complaint:
I lease a car using Hyundai Motor Finance, I joined the military and did a early lease termination. A year later Hyundai motor finance report 3 payments over 30 days late, after numerous phone calls, I contested it with the credit bureaus and 2 of the three were removed. Now however they refuse To remove the final late payment which is incorrect information because I was never late. Ive sent 2 certified mails with a copy of my credit report, a copy of my payment history that I got from their website and my bank statement showing date of payment but havent gotten any letter back and when I call costumer service they are saying they have no phone number for the credit reporting dept.

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 2022-08-12
Company: Experian Information Solutions Inc.
State: NY
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:
n accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX Late payments XX/XX/2017 XX/XX/2017 XX/XX/2017 XX/XX/2017 XX/XX/2017 XXXX  XX/XX/2017 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 instruction

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 2018-09-20
Company: ID Analytics, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I got denied a credit from ally for a car loan. Their letter states they used XXXX XXXX. 
As the letter writes, I called to obtain my credit report from them. When I called no one picked up the phone and was instructed to request my report online on their website. When on the website, I was told to call instead. I called again trying to speak to a representative but you can only leave messages on a voicemail.

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 2018-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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/XXXX, I wrote the companies an inquiry dispute letter regarding unauthorized inquiries done in my name on XX/XX/XXXX and XX/XX/XXXX. I do not have an account with these companies. On XX/XX/XXXX, Capital One Card Services gave examples of three types of inquiries made on a report ( which is irrelevant and did not prove that I made the inquiry ) and asking if I would like to have my name deleted from their marketing list then to send the request in writing. The letter stated the company was unable to locate an account in their system. The company did not submit proof that I initiated nor authorized an inquiry. 

On XX/XX/XXXX, XXXX XXXX XXXX also did not submit proof that I initiated nor authorized an inquiry. 

These inquiries were made without my consent or knowledge.

Company response to consumer: Closed with explanation