BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
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:
In XX/XX/XXXX I used my Bank of America ( BofA ) VISA credit card to purchase a product from XXXX XXXX. The item was pictured in the XXXX on line catalog. I received the item ( a clothes dryer booster fan ) on XX/XX/XXXX. It was not the item shown in the XXXX XXXX on line catalog, and was a less quality and less operative item. I contacted XXXX XXXX by email on XX/XX/XXXX and conveyed my concern. XXXX XXXX instructed me to take a photo of the item I received and email them the photo. On XX/XX/XXXX, XXXX XXXX then emailed me instructions to return the item to an address they provided, and they would issue me a refund. On XX/XX/XXXX I shipped the item via XXXX and received a confirmation of delivery by XXXX, signed for by XXXX at the address provided XXXX XXXX, on XX/XX/XXXX. XXXX XXXX never refunded me. 

I contacted BofA with the challenge to charge. On XX/XX/XXXX I received a letter from BofA. The letter was dated XX/XX/XXXX, post marked by the USPS XX/XX/XXXX. The letter instructed me to respond by XX/XX/XXXX or my claim would be denied, which was impossible to do since the letter as stated above never got delivered by the USPS until XX/XX/XXXX.. In the letter XXXX XXXX told BofA that I had received the item and I was using the item. I provided copies of the email instructions from XXXX XXXX and a copy of my XXXX delivery confirmation to BofA. BofA denied my claim because I FAILED to meet the BofA deadlne. I contacted BofA to appeal and they denied my appeal, again stating that I FAILED to meet the response deadline of XX/XX/XXXX. Interestingly BofA said that they had the XXXX XXXX for 3 weeks before the generated the letter to me and they were not at fault for USPS not delivering the letter to me in a timely manner.

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 2020-12-07
Company: OneMain Finance Corporation
State: TN
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 XX/XX/XXXX I tested XX/XX/XXXXXX/XX/XXXX. At the time I had already been out of work a week as I was not feeling good. My condition slow begin to worsen, which made talking difficult. I reach out to all my creditor to let them know I was suffering from covid and it was causing financial difficulty. Unfortunately one main email was not working on several occasion inside the portal. When I select having payment difficult it state to call which I could not. I had my husband make payments in XXXX as well as XXXX. Unfortunately in XXXX we were {$26.00} short on my payment. Which result in One main reporting XXXX as 30 days late. When I started to feel better and was able to call and talk to one main I notice they report me 30 days past due. Which 1 I was not and 2 directly valid sect XXXX of the cares act signed in to law on XX/XX/XXXX. Protecting the credit reports and individual effect by covid whose accounts were not in collections. I reached out to inform them that they were in effort and both my local office and their corporate office stated they would not change it. So now Im filing a complaint has this violation of the law is sufferly damaging my credit and has prevent me from purchasing furniture on credit for my children.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: Early Warning Services, LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2023 a payment was made via Zelle at XXXX XXXXXXXX XXXX. The payment was for {$470.00} but was sent to a number with a XXXX digit error. That error allowed the money to be sent to a person that was not shown when I submitted the payment, the payment showed the correct person. I have all the information for that person and I told the dispute team of that information. Yet they reversed the charges ( {$470.00} ) initially but after an alleged investigation they have now denied that reversal and taken the funds from my account. I have screen shots of the woman who received the money, her XXXX, XXXX, XXXX, and I know where she works. I have her phone number ( obviously ) and left her a message, as well as sending messages via text, email, XXXX. 

From what I read this error in a phone number should be covered by regulation E. Yet I doubt seriously any real investigation took place since zelle can just say it was my mistake and not invest any serious time or money into the matter. And I am out the money XXXX woman who should not been allowed to receive it since it didn't match the woman 's name that the payment was intended for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: CL Holdings LLC
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This account it old and was sold to a collection agency who does not have an account with me. This account should be deleted from the 3 major credit bureaus as it is greatly affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-11
Company: Credit Plus Inc
State: TN
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:
Too many HARD PULL inquires .... I applied for a VA refinance their should have only been ONE Hard pull not Eight as it appears ....

This complaint -- inquiry is only about the refinance on my VA mortgage ... .. and no other credit ( Hard Pulls ) for other mortgage or credit cards ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: Coinbase, Inc.
State: ND
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hi, I have opened a Coinbase account two weeks ago and I have seen a set of odd transactions that either failed or were unclear to me. Furthermore, despite me linking some of my bank accounts with the app, there has been no verification. Same with my ID. They keep asking for pictures of my driver 's license to complete my ID verification, but nothing happens. I have tried since to close the account, with no luck. There is essentially no response coming from coinbase customer support, whether that is on the phone or via email. This is not only unprofessional, but also negligent. Constantly typing in the same information for it just to get rejected is simply not safe. I 'd like coin base to finally be able to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: Klarna AB
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I keep trying to apply for an installment loan from Klarna. I made several purchases with them and have paid them off early or right on time with no issues. I have been trying for 3 years to make a new purchase but with no avail I cant create a new card. The reason I am given by a pop up is that I maybe missed a payment. When I called customer service they tell me my payment history is good every thing paid on time and in full. I know I have good credit so it cant be that either

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Hello, I had a credit card with Bank of America. I paid it off and closed it in 2016. The card is still on my account. I want this account to be deleted from my account. I sent disputes to XXXX they refused. I asked the company they refused. I want this account deleted from my account. It is paid off. This is harassment. Bank of America is doing harassment. I will get the XXXX XXXX if I have to and make it public and ask to be paid damages for harassment. They better take this account off my credit report. It is paid off and it is old. Take it off my account. This is harassment. This is racism. Bank of America is XXXX XXXX company. 

Thank you! 

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 2021-11-11
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX/XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX-Date of Inquiry XXXX XXXX XXXX XXXX XXXX-Date of Inquiry XXXX XXXX, XXXX XXXX/XXXX-Date of Inquiry XXXX XXXX, XXXX XXXX XXXX-Date of Inquiry XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have written letters toXX/XX/XXXX and TRANSUNION in compliance with the CRA on XX/XX/2020, again on XX/XX/2020, and on XX/XX/2020. 
They have failed to remove information that was affiliated with personal details that were challenged in the past, along with none verification from the collection agency XXXX XXXX XXXX ) Acct # XXXX I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2023-02-17
Company: JPMORGAN CHASE & CO.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # XXXX, XXXX, XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Early Warning Services, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
Early warning has me listed and for unknown reason I've been held back from banking and finance I'm at a hardship point for no reason at all. XXXX XXXX XXXX has blocked me from everything and amount as of my knowledge XXXX dollars and that was the first transaction.that I found out about.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
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:
In XXXX of 2022 I sent a letter to you disputing a bankruptcy that does not belong to me. For the 2nd and final time, I'm filing another complaint for a bankruptcy that does not belong to me, that is showing on my credit report. I contacted XXXX ( the consumer agency with whom you get this information from ) and asked them to verify the accuracy of the information that you are showing on my credit report They responded and verified that the disputed information was inaccurate as reported and that it is no longer on my consumer file. I have attached a copy of the letter and copy from the page from my XXXX report showing there is not bankruptcy. PLEASE REVIEW. I am asking for XXXX for the last time to remove the bankruptcy off my credit report within 15 days and all fraudulent tradelines showing on my report that is listed they are under bankruptcy. As I am a litigious consumer, I trust that XXXX will correct the issues I have brought to their attention and remove expeditiously. Let me clarify what I am asking is to remove a bankruptcy that does not belong to me and remove all subsequent fraudulent tradelines from my credit report that show a bankruptcy attached to them. Again please see the two items I have attached as documentation that show XXXX does not show a bankruptcy on their consumer report. If this time the bankruptcy is not removed from my credit file I, will most definitely file a lawsuit in small claims court for violations of the Federal Credit Reporting Act for compensation for the failure to remove this erroneous information. If my attachments isn't good enough I highly suggest you do your due diligence and contact XXXX for proof. I will not wait 30 days for you to investigate as I have given you 30 days back in XXXX of 2022. You have 15 days to correct this problem.

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 2021-01-25
Company: EQUIFAX, INC.
State: OH
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:
This is now my 3rd time reaching out about an issue. XXXX XXXX is continuing to report inaccurate information. Not for sure why, but my last request said that I wasn't clear in my reply. I'm pretty sure that I was VERY clear as to what the issue was. I will copy and paste that info here : what I sent in on XX/XX/18 : This is my 2nd CFBP complaint against each of the 3 Credit Bureaus about this Company! I sent in one at the beginning of XXXX. They stated that they had closed this out and that it was accurate. However, as you can see from my updated credit report, it is STILL NOT accurate!!! The Date Opened is still incorrect The Date last Active is still incorrect The Past Due amount is stil incorrect The payment history is still incorrect I am asking you to remove this account from my credit report asap. I have been asking them to do this for many months now. Each month they continue to ignore my requests. 

I am now asking you to remove this account. I have been asking for months to have this information report accurately or to remove. I am on the verge of considering seeking counsel for this issue. it's very clear they have no desire to abide by the laws and report this information correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Experian Information Solutions Inc.
State: NJ
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:
Since XXXX of 2020 I have had repeated problems accessing my credit report. I received an email again today indicating I could access an updated version of my credit report but the link sends me to a login tht if successful lands you to a page that does nothing but list options that no matter how manhy times you click those options you go no where. Experian is trying to steerpeople to use cell phones only to access their data which does not enable you to download a copy of your report much less easily file a dispute about an error on you report. This needs to be corrected ASAP. 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 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2017-03-27
Company: Integrated Recovery Services
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
The company 's name is Integrated Recovery Services and they are trying to collect a debt and using and somehow getting my personal information and contacting my employer, my family members, and emailed me a letter. These people are scammers and are trying to collect a debt and pocket the money and state they are BBB accredited and they are not and that they are going to send the sheriff to my job to pick me up and/or to my place of residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have accounts with several banks and credit unions. All banks and credit unions provided my tax documents electronically ( usually a downloadable document from their website ). This is true for various tax documents ( XXXX, XXXX, XXXX, etc. ). The Navy Federal Credit Union, however, does not provide an electronic copy on their website. 

I called to ask for the electronic copy, but the customer service manager responded that the Navy Federal Credit Union only sends paper versions by mail. I explained that every other financial institution provided electronic copies, which should be standard after the pandemic started 10 months ago. The Navy Federal Credit Union refused. 

I explained that every other business has adopted to operating during the pandemic by providing documents electronically and that I would need the electronic copy to respond to requests by the IRS by email. This is quite frustrating and antiquated. 

Does the CFPB provide guidance to financial institutions for providing electronic copies of documents, especially during the pandemic? Thanks very much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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 USC 1681 section 602 states i have the right to privacy.

15 USC1681 section 604 A section 2 : It also states that 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 any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4700.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on  XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account.

Company response to consumer: Closed with explanation