BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-03
Company: Experian Information Solutions Inc.
State: TX
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:
To Whom it may concern : In viewing the documents I received from the furnisher that are relevant to the credit entry you report on my credit file, I noticed inaccurate reporting on XXXX behalf. 

The terms of this particular credit entry that you have been falsely publishing for more than five years are not the same terms that were in this original contract. The terms for this entry was 72 months yet you have been incorrectly reporting the term as 81 months. The furnisher, XXXX XXXX, has also certified to me and the CFPB that the terms were 72 months. The documents have the same furnisher name and account number of : XXXX. This is not two installment contracts, only one. This would completely change the entire loan structure with terms that you entered compared to the true accurate terms on the documents. The FCRA requires that credit bureaus must report information with 100 % accuracy in which you are not. 

Experian has been lying and falsely verifying this incorrect information as accurate after more than 8-9 disputes ; Experian never conducted any investigation into my disputes as the furnisher provided to me the entire correct accounting history for this credit entry and it coincides with the inaccurate data points that Experian continually verified as 100 % accurate. 

In the Federal Civil case of XXXX XXXX vs. XXXX XXXX, case No. XXXX, The attorney that represents XXXX XXXX has stated to me at pre-trial discovery that her client did not request Experian to publish this information and that Experian alone has subjectively falsified and published this information solely on their own. The legal representatives name is XXXX XXXX XXXX. Her law office is called XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX. Her phone number is : ( XXXX ) XXXX, and email : XXXX XXXX XXXX 

Refusing to correct inaccurate information, or removing the account from my file after being notified multiple times places you in violation for non-compliance. Please correct or remove this account from my credit file due to false and inaccurate reporting. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, and to be provided no later than 15 days of the completion of your investigation. 

Any Automated response XXXX verification is unacceptable. I am requesting a true investigation and your Method of Verification.

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 2018-01-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian Date : XXXX XXXX, 2017 Report # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX is not my address nor have I ever lived in XXXX XXXX Ca Incorrect information on y credit report that is not mine and another address Experian came up with that has never been my address. 

Experian incorrect gather information not my address.

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 2019-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
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:
This Is Not A Duplicate Complaint but A NEW COMPLAINT AGAINST THE SAME BANK a purchase of {$60.00} was place on my card. However, the service repair was never done. 
The company came to my home on XX/XX/2019 and spoke with me. I explained the Ohio Gas Company had red tag my stove and what the problem was. He said he had just used his last part and return on Tuesday XX/XX/XXXX, XXXX. He never came back. 
The credit card has chose to not refund my money for services I never received. 
He was reassigned back her on XX/XX/2019 and was a no show

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 2019-05-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2019 Chase bank closed all of my credit accounts to include a personal and2 business credit cards. One of the representatives informed me it was due to my recent credit usage and lack of credit history. When I explained that my credit has not significantly changed since the first card was opened 12 months ago or in the 3 weeks since the most recent business card was opened, I was then informed that the accounts were due to information provided by law enforcement and the representative refused to provide further information. 

At the time the accounts were closed there was almost {$15000.00} in my Chase Business checking and savings account, which is enough to pay all of the chase debts in full. Within the last 60 days, I have paid down around {$5000.00} to one of my Chase cards and have grossed over {$60000.00} through my Chase business and checking accounts. There is no reasoning why Chase could assume that I would be unable or unwilling to pay any of my debts. I feel it is a violation of the CARD act of 2009 to make a significant change to a credit card account such as close the account without 45 days notice and I feel it is a further violation of the Fair Credit Act to refuse to provide a detailed reason as to why a credit account or application was denied or closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 had an account with bank of America and was closed on XX/XX/XXXX, told banking not done as per banking terms. My account number was XXXX. I recently got my banking credit report from XXXX and it stated checking account fraud.. which has really made my life a living XXXX by the BoA as I have not done any unlawful activity and I am a victim for fraud without getting any information from me by the Bank. Bank reported all the outgoing ACH as fraudulent on my report. I contacted the risk management department and no one was able to tell me the details of the transactions as fraud and how come all the transactions from XX/XX/XXXX be fraudulent for approximately three years?? 

Please help me to resolve this matter at the earliest.

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 2019-09-27
Company: Fay Servicing, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing this letter to explain my unfortunate set of circumstances that have caused us to become delinquent on our mortgage payment. In late XXXX, our daughter fell upon financial struggles with her living expenses and returned back home with our XXXX grandchildren. Our living expenses have increased slightly ; since theyve moved in as I now currently have to care for not only my daughter, but also my grand-children. 

In the beginning of the year ( XXXX ) we fell upon 3 major auto repairs between our two personal vehicles and business vehicle, in which we are currently still paying on ( listed in financial worksheet ). In-between the additional expenses and unexpected auto repairs, my company had a decrease in income/volume from XX/XX/XXXX to XX/XX/XXXX. We had a few clients whom did not renew or return for my business services resulting in a decrease in income. Although we attempted stretch funds amongst all our personal and business expenses, we slowly and surely depleted our funds. 

As of XX/XX/XXXX, my business has since recovered from the lost income and weve been able to sign on additional clients increasing work volume. As we began to recover from the hardship, we attempted to resume payments, however to my surprise I was advised I was unable to make a payment, unless I was able to reinstate the full past due balance amount. 

We are requesting a loan modification or possible repayment plan, as we are now in a better financial situation and we are able to afford our mortgage payment again. At this time, we are requesting assistance on the outstanding/past due delinquency balance in order to help allow us to retain our home and move forward with your financial institution in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: ERC
State: CA
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:
XXXX sent me collections for {$800.00} regarding an XXXX. XXXX claims I never sent the XXXX back. I sent the debt collector the receipt from the box I shipped back containing the XXXX in excellent condition. The collection was removed from my credit report from providing evidence. XXXX then had my collection transferred to another agency so it remained on my report ... Ive already proven this is a false debt and they will not remove.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: Experian Information Solutions 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:
Experian representative told me I had to contact each company myself to get 7 fraudulent/unauthorized inquiries removed from my credit report. Fair credit reporting act states that the burden of proof belongs to the credit bureau. That means that by law, he should be the one to prove the data I have disputed as legitimate and if he cant then it must be removed from my report.

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 2018-01-04
Company: Seattle Service Bureau, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I owe a certain amount that I understand is to be paid and In good faith I am willing to take responsibility for my actions. I was properly notified about my debt owed in an ordered manner, what I did not agree on is the aggressive action took apon me of suspending my license if I do n't pay that same day of phone call without a warning or a letter notifying me the legal action. I was already trying to find income as far as getting a job to pay back my debt and was letting the agency know that I do not have money at the money at moment, I received a phone call from someone saying I owe XXXX that same day and if I do n't pay it he will suspend my license. I am XXXX XXXX months XXXX I am XXXX XXXX XXXX XXXX XXXX XXXX, I am also borderline XX/XX/XXXX which means I have XXXX XXXX XXXX and I am in n out of the hospital on top of everything happening to me and my life being at steak with myXX/XX/XXXX XXXX I am convinced to call my attorney and take this to court for stress and risking my XXXX XXXX life due to my stress. On top of that I am unemployed, have no car and I am a single mother living from home to home due to instability of support and financial reasons, I have absolutely no money in my bank account that I had to cancel my account. With that being stated I do n't agree with my license being put on hold for various reasons. How am I supposed to get a job with no license? How am I supposed to go to my doctor visits for my child and I and for the XX/XX/XXXX that I am going to have? I had respectfully told your agent that in good faith I will find money somehow that I do not have too atleast not suspend my license because that 's not the correct way of collecting. The collector did not sympathize with me at all did n't even let me talk once and if I did he said he did n't care about the situation and he 's still going to keep my license suspended. I need to take legal actions for myself and child when I do have a job or income I will pay back my debt but as of right now I have no options I 'm practically homeless need help myself to even have a burger how am I going to come u with XXXX. The collector 's name is XXXX XXXX. I hate to throw anyone under the bus but I am struggling to eve find a warm bed to sleep in at times I have a XXXX year old with me as well and I bend over backwards to make her happy and feed her with no money, while I sometimes starve which is n't good at all. All I want is patience and security that I know I will find some stability and handle this situation properly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I refinanced my vehicle. I submitted the power of attorney form. In the Capital One app it states that all of my required documents have been received. However they won't send me my title back. I have moved to another state and need to get my title. I already switched my insurance to my new state and because I can't take my title to the new state, the old state has charged me {$890.00} saying I'm noncompliant.. capital one doesn't have a working number to reach customer service for Auto loans. I need assistance and no XXXX answer the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Dear creditor or whoever it may concern on XX/XX/2019 an account on my transunion called XXXX for XXXX XXXX of {$170.00} went into collections and the account seems to be fradulent I've never once had an account with XX/XX/XXXX of that amount

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 2019-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I XXXX  and do XXXX XXXX and XXXX for an XXXX XXXX XXXX for a startup founders they arranged to pay me by XXXX transfers from all of partners, after 20 days one of the members just got claim for unauthorized transaction and claim my money back without make arrangements with their former partners

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 2019-09-27
Company: Kriya Capital, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Received notification of alleged debt from Credence Resource Management LLC again in XX/XX/2019 in the amount of {$400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: Experian Information Solutions Inc.
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:
XXXX/XXXX ACCT XXXX IS REPORTING INACCURATELY AND INCOMPLETELY. 
EXPERIAN HAS CORRECTED BEFORE AND REFUSES TO REINVESTIGATE.XXXX XXXX XXXX XXXX EMPLOYEE XXXX SAID ACCT WAS REPORTING CLOSED.ON EXPERIANS PRODUCT, EXPERIAN CREDIT WORKS PREMIUM THE ACCOUNT REPORTS OPEN. 
NO STATUS IS INCORRECT.THE ACCOUNT IS CURRENT, PAID AS AGREED AND CLOSED BY CONSUMER. 
EITHER CORRECT PERMANENTLY OR DELETE 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 2021-12-22
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX I applied for a Amazon card through Chase bank. I recieved a call from letter from chase letting me know I had a freeze on my account and had to remove it before I could have my credit checked. My credit was unfrozen checked and a few days later Chase called me and verified the account and approved me over the phone for a XXXX signature card and sent me the email while we were on the phone together. I was suppose to recieve a XXXX credit to my Amazon account and be able to add the card to my amazon account to begain shopping. None of the links in the email worked so I had to call customer service and get her to take a look at things and she rushed the card out to me one day mail so I could make an order for XXXX. I made my order and all was well except 2 days letter if that the order was declined and my account was closed and still I have no idea why. To add insult to injury my credit score was pulled several times by chase and after holding hours at a time to talk to someone about what happened the last representative said they have no idea why it was closed and had no information they could give me. Today I recieved a letter saying they were so sorry about what happened with my XXXX Amazon card and it had been issued to my amazon account and there is nothing there either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I was scammed out of {$400.00} dollars on XXXX by an individual through XXXX. On XX/XX/XXXX, I was scammed out of {$3000.00} more dollars totaling {$3400.00} dollars through XXXX. I contacted my bank, Wells Fargo, on XX/XX/XXXX, about said transactions and on XXXX separate occasions was told that I did not provide sufficient evidence to obtain my money back by regulation of the XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX On XX/XX/XXXX, I obtained and provided my bank with the transcript of the scammer which showed the emails of the XXXX recipients, phone number of their " accountant/ lawyer '' and bank information which included a password, username, and the last XXXX  digits of their social security. On XX/XX/XXXX, and XX/XX/XXXX, I received a response which were exactly the same as one another ( except for the dates included in the letter ) and gave the exact same excuse. My account activity even indicates that I never utilize XXXX when it comes to sending individuals money in the entire year of XXXX, and when using other methods of instant money transfer it is always under {$200.00}. I have made XXXX total complaints with Wells Fargo through the CFPB which has resulted in copy and paste responses from the bank 's representatives. I again provide the transcript of the XXXX  texts which I received through the scammer in the hopes that this is sufficient evidence to show that I was indeed scammed out of my money and that Wells Fargo is lawfully responsible to reimburse me due to the occurrence as stated in the XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX My case is not taken seriously and constantly given the corporate response which is compromised of a blueprint in which they fill out the name and date of who and when they're sending the response.

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 2018-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
From my understanding, my capital one 360 account was suppose to be closed in XXXX 2017. Since then I had logged into my account and it had shown a negative balance of {$990.00}. When I contacted the bank about the issue they put me on hole for an hour and a half then told me they would have someone contact me about the issue. That was 3 months ago. I 've tried contacting them since then and still have n't heard anything. Just out of curiosity, I logged into the account today just to see if they 've even attempted to fix the issue but it now shows a negative balance of {$2900.00}. There is no way the account could be negative because I had cancelled the debit card for the account and they sent me another one which I still have not activated. When I log in, the transaction does n't even show up on the latest transaction. I refuse to pay that amount if the bank can not even contact me about the issue. I 've made phone calls, emails and even attempted contacting them through the website and still nothing. But somehow they manage to blow my phone and email up attempting to get me to activate the new debit card. I refuse to activate it because that 's just going to add another small fee onto the account that was suppose to have been closed months ago. The account still had {$1.00} the day it was suppose to be closed so there should n't be any negative fees

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax re- inserted a previously deleted unknown public record account and a bofa account from my credit. I am not sure where they get their information from but my file with this bureaus contains false and misleading information. BK Reference Number XXXX need to be removed and XXXX account number XXXX.

Company response to consumer: Closed with explanation