BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-29
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Dear Experian, I checked my personal credit report, which I acquired from your company on XXXX of 2020 and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/2020 is still being reported on my credit report. I contacted XXXXXXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a REINVESTIGATION into XXXXXXXX XXXX XXXX ( XX/XX/2020 ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter.

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 2020-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have made several payments to my mortgage that have not been credited to my 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 2021-10-08
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
WHY : a. I opened a checking account with XXXX around the beginning of XX/XX/XXXX and transferred {$25000.00} from my Chase Checking Account to the newly opened XXXX Checking account. It was sent from Chase on XX/XX/XXXX and received by XXXX on XX/XX/XXXX. 

b. This {$25000.00} that was transferred to XXXX from Chase was later returned to Chase on XX/XX/XXXX, but in this process I am missing {$9700.00}. 

2. WHAT HAPPENED : a. I had made some transfers into my Chase Checking Account from my XXXX XXXX  XXXX in preparation to fund it which went through initially. So, I had enough funds to make that {$25000.00} transfer from my Chase Checking Account into the newly opened XXXX Checking Account. The problem is the transfers from XXXX were later rejected by Chase and returned to XXXX. However, the {$25000.00} transfer from Chase to XXXX had already gone through. This led me to have a negative {$15000.00} balance on my Chase account and this is also when Chase closed my account and restricted my access, saying they would reach out to tell me how to fix my negative balance. 

b. Chase never reached out. However, when dealing with a situation with XXXX ( OCC case # XXXX ) I found out that XXXX had returned the {$25000.00} transfer to Chase on XX/XX/XXXX. In XXXX response to my OCC case, XXXX said they returned the {$25000.00}. 

c. The problem is after this {$25000.00} was returned to Chase the negative balance in my account was corrected to {$0.00}. This didnt seem to add up as when the account closed my balance was at - {$15000.00} so the return of {$25000.00} should have brought the balance back to what it was before that {$25000.00} transfer went to XXXX from Chase which was {$9700.00} d. I went to a Chase Branch on XX/XX/XXXX but was told that they couldnt assist me and that I would need to call Chase because they had no information on the matter. I tried calling Chase multiple times, but whenever I would ask where this missing {$9700.00} was, I was either put on hold for hours or just hung up on. 

Please let me know if there are any additional documents you require or questions that you have. I am eager to provide them and solve this situation as Ive been very worried. Thank you very much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-08
Company: Merchants and Professional Bureau, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been trying to get this off my credit report, if I owed a small amount of {$56.00}, I would of paid it a long time ago! But I do not owe this, I received a letter and called to see what this was about and it is about a school ring. I have been out of college for 55 years and I never bought a school ring. I told them this is not mine! And I want it off my credit history! I do not know how my name got to them and why they think I at my age purchased a school ring!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: GA
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:
The following account listed below, the date where it shows that I am late in making my payments was an error. I have not received any billing information from them or any notification stating that I am late. I have reached out to both Bureaus and the furnisher but I have not received any forms of response from both parties. Thus, I am sending this complaint to seek help and assistance for me to have this account updated into positive and remove all the late statuses. 

XXXX  XXXX XXXX XXXX {$60.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I discovered that the interest rate on our Citibank credit card was increased to 24.74 %. I called and inquired why this happened. Citi 's representative said that we paid 10 days after the due date in XX/XX/XXXX ; it's now XX/XX/XXXX. We've had this card for several years and have never been late prior to or after this single occurrence. Our credit bureau is also spotless, no late pays anywhere. Again, this happened over 13 months ago with no late pays recorded. Citibank said we " were not yet eligible '' for a rate decrease. I've now paid the account to a XXXX balance. This seems predatory. I say this because our credit limit was increased around the same time the rate was -- we are such a credit risk that they increase or limit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-04
Company: State Collection Service, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX ( {$270.00} ), and XX/XX/XXXX ( {$430.00}. Police reports filed in the state of which I reside. Disputing the validity of the debts with the credit bureaus with validated status returned with no proof of claim. I'm not sure how theses accounts were opened and being reported in my name but i've stressed nearly all resources to get them resolved. Contacted company requesting validation of debt but have yet to receive anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: SD
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:
On my credit report, there was a name listed in the Alias section that does not belong to me : XXXX XXXX XXXX There was an address that was supposedly a previous address of mine that I don't recognize and have never lived at : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NM XXXX There was also an inquiry from XXXX XXXX XXXX in XXXX of XXXX  that was not initiated by me. 

I have contacted Experian to put a hold on my credit and to have the incorrect items removed, but I feel this may be a fraud issue and would like this person/address investigated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-28
Company: Niagara Restitution Service Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I got a payday loan with XXXX XXXX XXXX back in XXXX or XXXX of 2016 - I could not make my payments due to me losing my job. Well, recently they started calling my 6 month XXXX  sister ( XXXX at XXXX XXXX ) and telling her she was going to press charges against me for some " bad checks ''. ( I have never written a bad check ). I had numerous numbers call me ( # 1. XXXX - called 9 times today- ( # 2. XXXX - called twice today ( # 3XXXX - Called me 6 times yesterday ( 4. XXXX - called twice yesterday ( # 4XXXX - called 3 times yesterday ) I called XXXX and spoke to her and besides the fact that the was very rude, she tells me I have a balance due and I have to pay something on it today, if not my paperwork will be sent in for " civil proceedings '' and I would go to jail, all while my children were in the car listening to this conversation ( which is why I tried to explain to her what the situation was ). I did explain to her that the reason I had not paid it was bc I lost my job that time and could not pay anything. I now have medical bills arising for something I was diagnosed with last month and I can not pay the balance and she refused that I I told her I can make a payment on Friday and she said I have to pay today. She said to find someone who will let me borrow the money, so I told her I would call her back so I can speak to someone who would lend me the money - She got upset and said that that was the problem, that I needed to pay then. I told her I would need to let my boyfriend know what was going on and she hung up on me. I ended up calling my boyfriend ( who is a XXXX XXXXXXXX in town ) and he told me not to verify or give any bank/card information. So, I call XXXX back and tell her I had just spoke to my boyfriend, who is a XXXX XXXXXXXX, and he told me not to give out any personal information until I knew who these people were and before I could get another word out, she said she did not care if who he was and right when I was going to say something, she hung up on me ( she said hanging up was noted as " refusal '' ). 
I'm at a standstill because I don't want to go to jail for a payday loan and I can't get anything done with these people

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
A balance transfer was requested by myself on XX/XX/XXXX, from my new XXXX XXXX XXXX XXXX credit card to my Capital One/Venture card in the amount of {$5800.00}. As of today XX/XX/XXXX, I still owe {$5800.00} to both bank institutions. Capital One/Venture One credit card says they have never received the check for the {$5800.00} and XXXX XXXX XXXX XXXX has told me twice that they are sending me a copy of the check. In XX/XX/XXXX, I was told that a copy of the check would be mailed to me to show that Capital One did cash the check. After waiting for three weeks and never receiving the check I called back again. I spoke with someone who researched my account more thoroughly and said that she didn't think that a check had been sent out because the information on file for the balance transfer did not say Capital One Bank, it said Venture One and the address to mail the check to was in fact my home address. The customer service representative said she was going to put a stop payment on this check because she felt that someone probably did not send this check out with so many mistakes on the account. I am getting zero assistance from either institution, someone, to please intervene and help me to resolve this. I have been told twice that a " copy. Capital One refused to do anything with me in resolving this issue and said that they needed to see a copy of the check. I am at a loss here. Capital One did temporarily hold the charge but has since put the charge back on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-09
Company: CREDIT ACCEPTANCE CORPORATION
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:
Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, CREDIT ACCEPTANCE used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. CREDIT ACCEPTANCE reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.

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 2022-12-19
Company: Allied Consulting Services LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Allied consulting service continue to call and text my phone and my husband phone. We do not have an account with them and have never had an account with them. We have good credit. My husband is an XXXX vet XXXX years and he has had a XXXX. I am his legal caregiver. We are constantly harassed. I have asked them verbally to stop calling. I have called them and provided both numbers to stop calling and they still call and send text messages. I was hung up on when I asked them to stop calling. Today I sent them a message on their website and provided both number and asked them to stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: World Omni Financial Corp.
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:
XXXX World Omni Financial XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have reported late payments to the 3 credit reporting agency. The companies are reporting this information to my 3 credit reporting agencies and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Convergent Resources, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the fair credit reporting act Convergent account Has violated my rights 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 a account Without my written instructions 15 USC 1666B : A creditor may not Treat a payment On a credit card Account Under an open End consumer credit plan as late for and purpose.

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 2019-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Bank of America provides misleading information in their app as to how much money is available for me to spend. Pending transactions are supposed to subtract from the total amount one can spend. I made a $XXXX   transfer out of my checking account, with around $XXXX left in the account on XX/XX/2019.OnXX/XX/2019 I had authorized the following 5 transactions:1. XXXX -$XXXX2. Parking  -$XXXX3. Lunch    -$XXXX4. Parking  -$XXXX5. Food      -$XXXXTotal: $XXXXI should have had a remaining $XXXX in my account. Instead, several pending transactions cleared onXX/XX/2019. At XXXX XXXX   on XX/XX/XXXX I saw that my account was -$XXXX. I had $XXXX transferred to the account to cover the account and avoid an overdraft fee. I had $3 in the account.Today, XX/XX/2019, I check my account and see that I have -$XXXX available to spend. I was charged $XXXX in overdraft fees as of writing this complaint. The previously authorized $XXXX that had been superficially deducted will cause an additional fee, as I was just informed by Bank of America. I am highly encouraged by the bank to use their app as a way to monitor what is available in my account. I was told after the fact by a representative that the app may not update with accurate information. They will also not refund any Overdraft Fees.Bank of America is either intentionally misleading me into spending money to charge overdraft fees, OR, they do not provide the appropriate information for me to understand what I can spend, and then charge me overdraft fees. I will be closing the account with a negative balance until the matter is resolved.

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 2019-08-20
Company: Monroe Credit, LLC
State: LA
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:
Was sent a text on the day my payment came due stating “Reminder from Trenton loans about your XX/XX/XXXX payment your 10 day grace period will end on the XXXX... It will have a XXXX dollar  late charge.. what day can I set your account for?? And we are going to to be doing end of month closeout on the XXXX by lunchtime will need payment in to keep from rolling past due on credit report.“My account cannot report past due on my credit report until it has rolled 30 days past due. This statement implies that my credit report will be affected if I do not pay by lunchtime on my 10th day.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
On XX/XX/2007, I purchased a Certificate of Deposit from XXXX XXXX XXXX XXXX XXXX located in XXXX, Florida XXXX. The Account # is XXXX. The Amount is {$10000.00} Interest 4.780 for a term of 7 months. ( copy attached ) also have the Deposit ticket for {$10000.00} ( copy attached ). 
While going thru my safe recently I found these items in the back of the safe. 
XXXX XXXX has been taken over by PNC. I went to PNC about two weeks ago and was told that they have NO record of this CD. I would like to cash the CD. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: EQUIFAX, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: WELLS FARGO & COMPANY
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:
On XX/XX/2018 I had Hard inquires on my credit that I did not authorize and the companies can not show or prove where I gave them permission to run my credit I have talked with all credit bureaus and they all say they can not and will not help or do anythingI am attaching a list of companys that hit my credit some even hit twice in 1 dayI am looking for the prove where I gave them permission to run my credit 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 non-monetary relief