BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
THIS HAS BEEN A CONSISTENT PROBLEM THAT NEEDS TO BE ADDRESSED IMMEDIATELY. I FILED LEGITAMITE AND VALID CLAIMS AND DISPUTES TOTALLING XXXX THAT BANK OF AMERICA HAS ASSURED ME THAT I WOULD BE REIMBURSED FOR. I WAS CREDITED FOR SOME OF THESE TRANSACTIONS ONLY TO HAVE BANK OF AMERICA TAKE THEM BACK FROM MY ACCOUNT, LEAVING IT IN A NEGATIVE BALANCE. XXXX XXXX  XXXX IS ENGAGING IN UNETHICAL, EGREGIOUS AND ILLEGAL BANKING PRACTICES AND NOW, THEY ARE CLOSING MY ACCOUNT IN RETALIATION FOR MY COMPLAINT REGARDING THIS ISSUE. MY CLAIMS ARE VALID AND I SHOULD BE REIMBURSED FOR THESE VALID CHARGES THAT I FILED 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 2022-03-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I was deceived by an imposter for XXXX XXXX, a hiring manager for XXXX XXXX XXXX, conducted an interview and hired me with a signed contract for a position in procurement. He told me to make payments for his vendors to deliver electronics for the new position working remotely. 
Someone posing as an employer spent the last 7 days online with me, conducted a 2 hour job interview, made a job offer, and hired me. He then requested I submit money to a vendor to buy a work computer and printer for my usage working from home. He hired me to work for XXXX XXXX as a procurement specialist, along with a written job offer and job description given. Through mobile banking, I submitted a check he emailed, under the guise of buying these electronics. He instructed I pay out 4 accounts, which I did through XXXXXXXX bank XXXX He contacts me through XXXX app, and is waiting for me to cash the next deposited check. {$8400.00} Total amount given to me by check, and was instructed to make $ XXXX  in online XXXX  payments. 
Chase Bank told me the checks were drawn off a closed account. I ask Why were the checks cleared then? They should not have been. 
The scammer is posing as XXXX XXXX, a hiring manager and investor communicating with me for the last 5 days. Job offer arrived by email from XXXX XXXX of XXXX XXXX. I have saved the email communication, XXXX  app communication, and screen shots of the bank transactions on my computer. I only chatted and emailed with " XXXX '' but no voice or zoom meetings, and never spoke to anyone. He asked me to make a XXXX payment, but it appeared to never go through. I did a stop-payment for XXXX, but XXXX paid it anyway for {$1000.00} with my consent. Unusual activity was on the XXXX communication. 
It looks like the sensitive information he obtained was my Social Security number, home address, last 4 digits of my banking account, and my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: M&T BANK CORPORATION
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:
The beginning of XX/XX/2019 my work computer was hacked with severe viruses. My bank accounts were compromised before our IT Dept could address and fix the issue. This resulted in several issues with getting fraudulently funds returned to my accounts. This issue in particular has been on-going with M & T Bank since XX/XX/XXXX. After reporting the fraudulent charges I was told that I would receive an Affidavit in the mail and to return this to the bank. The closest branch to where I live is over 1 hour away. When I finally received the letter and affidavit from M & T Bank for signature and return the letter was dated XX/XX/2019 with a return to M & T Bank date of not later than XX/XX/2019 - I DID NOT RECEIVE THIS LETTER UNTIL XX/XX/XXXX ( why did they wait so long to mail this paperwork to me??? I phone the bank daily advising i still hadn't received and they assured me it was mailed ) which I immediately reviewed and noticed that out of 6 disputed transactions, they bank ONLY sent me affidavit 's for 5 of the 6 transactions. I signed the 5 affidavits and returned them by fax to M & T 's Fraud department fax number on XX/XX/XXXX and then again on XX/XX/XXXX - all of which included a letter from my employer 's IT Support company explaining the computer hack/virus problem. When I phone M & T Bank AGAIN on XX/XX/XXXX I was informed that they did not receive any of my documents that were faxed on XX/XX/XXXX or XX/XX/XXXX. I again faxed the documents for a third time that day XXXX XX/XX/XXXX ). As of today, XX/XX/XXXX I have not received any positive feedback or refund from the fraudulent transactions by M & T Bank. 
Fraudulent transaction list as follows : XX/XX/2019 for {$17.00} via XXXX XX/XX/2019 for {$17.00} via XXXX XX/XX/2019 for {$17.00} via XXXX XX/XX/2019 for {$17.00} via XXXX XX/XX/2019 for {$17.00} via XXXX XX/XX/2019 for {$17.00} via XXXX XXXX value of fraudulent charges : {$100.00}

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 monetary relief
Consumer complaint received 2017-11-02
Company: Experian Information Solutions Inc.
State: MA
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 complaint is an update with more documents to show the issues with XXXX Credit Reporting. Since XX/XX/XXXX when I initiated a complaint against the three CRA 's ; XXXX quickly again changed the account info- but still incorrect. 

The CFPB should instruct the CRA 's to look into their more permanent files along with the more accessible day to day database they use. 

When they do a comparison of the accounts listed, the CRA 's should see that the 3 individual accounts were actually charged off in XX/XX/XXXX/XX/XX/XXXX not XX/XX/XXXX. 

The 3 Navient accounts listed as joint holder should be listed as charge off XX/XX/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 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hey Good evening, So I recently check my credit from XXXX and i notice a few fraudulent accounts on my credit report. I dont normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the equifax breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and i was told to get an FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: Quality Asset Recovery LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I made numerous attempts to get this resolved.. because it is an aging account the hospital no longer has the information to provide, and will not give any information. I am always being referred to the collection Agency, I 've spoken to a young woman by the name XXXX who works for Quality Asset Recovery.. She to stated that they are a 3rd party with only limited information. only can confirm the amounts and the date.. Which I do NOT agree with.. Dates of service are XX/XX/XXXX and XX/XX/XXXX. Coded as XXXX XXXX???? Per XXXX XXXX XXXX XXXX. Whom have been very helpful in assisting me getting clarity. I am not a person who gets sick or ill, My last XXXX was in XXXX, after the XXXX XXXX XXXX XXXX, I opted to have a XXXX XXXX. I 've have never gone back to have any other XXXX thereafter. I am deeply concerned that I am being billed for services not performed, or a claim was submitted without my knowledge : I have always been insured I was a member with XXXX since XXXX. They even stated you really do n't have anything major pending the entire time you were a member. 
if possible I want this resolved and removed and investigated, I cant get any answers with the assistance maybe you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX XXXX, XXXX around XXXX I made a cash deposit using the ATM located outside the branch Fifth Third Bank. Once I inserted the cash making a total of {$2500.00} the machine went black with an error message ( OUT OF SERVICE ) it took my debit card and money and no receipt was printed. I contacted customer service and explained what just had happened. The Financial Center Manager was contacted XXXX XXXX she is whom assisted me and returned my card that was still in the machine. I was told that a complaint was needed and that it was going to take XXXX business days for investigation and funds to credited to my account. I waited patiently just to find out that the case was closed. I asked for a revision of cameras that are located at the ATM. My funds are still not reflecting. It is a large amount I deposited and I have been a loyal customer with them for the past 3 years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-07
Company: EQUIFAX, INC.
State: OH
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:
Hello my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and I did not make the charge. I ask that the items be deleted to correct my credit. I reported the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit please delete these items as soon as possible. Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! I demand the following accounts be verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX To whom it may concern : I would like to file a complaint against Midland Credit Management.

This collection agency is slandering my credit by placing false information onto my credit files. 

I had complained in XXXX about the untrue information that this collection agency is reporting, and they had stated that they were going to remove it, but they have not. 

And to begin with, this collection agency had placed this derogatory debt information onto my credit files without first verifying it. 


I dont owe the balances that are being reported, neither have I had anything to do with either, XXXX XXXX , nor XXXX XXXX since XXXX of XXXX. 

Midland Credit Management is reporting false, untruthful status, and date information regarding these accounts onto my credit files. 

Midland Credit Management is placing false information onto my credit files for, XXXX XXXX  account number # XXXX, for {$320.00}. 

And XXXX XXXX XXXX, account number # XXXX, for {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
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:
There is a 30 late payment on XXXX 2014 on my credit report from toyota motor credit . Makes 7yrs should not be on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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 XX/XX/2021 I filed a dispute with XXXX because their bureau was still reporting that a Capital One account that I am an authorized user on had been closed. In reality, the account was open. In the dispute I asked XXXX to verify that the account is open with Capital One. 

On XX/XX/XXXX, Capital One received a notification from XXXX that I was disputing this account. Capital One initiated a dispute investigation and responded to XXXX, asking them to delete the account from my credit profile, instead of telling XXXX that the account was open. This is not the outcome I wanted. More than four months have gone by and XXXX will not reinstate the account until Capital One reaches out to verify that the account is open. 

I would like Capital One to contact XXXX to let them know this account was deleted in error and I would like Capital One to verify that I am an authorized user on this account, and to include it on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Chase is the bank I will no longer bank with. 

On XX/XX/XXXX I had a negative charge of XXXX and I deposited {$10.00} to make it positive. 

I awoke to find out my bank account is negative XXXX. This is because of two overdraft charges that should n't be because I took care of it {$34.00} each one for XXXX which was the negative charge and the other was XXXX XXXX which was taken care of because I originally had them stick to their XXXX when I paid a {$30.00} stop payment on XXXX XXXX. 

Now I have this charge when I paid a {$30.00} stop payment and I covered the negative {$9.00} something. 

Please take care of this as I have never had a problem like this in which I wake up to this disaster. I am so upset that I woke up to this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 complaint is an update with more documents to show the issues with XXXX Credit Reporting. Since XX/XX/XXXX when I initiated a complaint against the three CRA 's ; XXXX quickly again changed the account info- but still incorrect. 

The CFPB should instruct the CRA 's to look into their more permanent files along with the more accessible day to day database they use. 

When they do a comparison of the accounts listed, the CRA 's should see that the 3 individual accounts were actually charged off in XXXX/XXXX of XXXX not XXXX. 

The 3 XXXX accounts listed as joint holder should be listed as charge off XX/XX/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 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name and date of birth are incorrect on many of my accounts In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 acount without my written instructions

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 2017-11-07
Company: HEARTLAND PAYMENT SYSTEMS INC
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
This is just a continued general complaint about the company that services my loan, XXXX XXXX. Accomplishing anything with them is always a process. 

I am taking class through my employer and it put my loans in deferment. I called to ask to just continue to pay anyway. They could n't do that over the phone. They led me online where I should have been able to do it. Their new website is awful, and not user friendly. I could not find what I needed to check even after being given step by step instructions. Eventually, they did it for me over the phone, but why was n't that just offered upfront since we had gone through all the security clearances. I am afraid its an attempt to keep the balance higher to recoup the most interest money possible. Very shady. 

Today, I got an e-mail about getting my tax documents delivered electronically. This is ideas, so I went to sign the form online. It would not work, so I talked to customer service. I told them I did n't know my student ID as I have been out of school now for a few years, but I had filled in the SS #. Apparently the form would n't let me submit without. I was told they could not access it ( but how are you using it as a check then? ).  The they said I should be able to see it on my promissory note. One problem, remember that awful website? It would let me access. They say it 's because of an ad blocker but I disabled it AND tried a different web browser. THEN, I realize I am already in electronic delivery. They were in my account, but no one was like oh you already do that, so you 're good. 

Overall, I think this company is awful and not serving the best interests of student, and should be looked into. All I am trying to do is pay my loans on time, and they keep making it more difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The collection company is trying to collect on different debts from me that are past the statue of limitations. So they are no longer legally allowed to collect them. They are also reporting negative information to my credit reports and that needs to stop. How can you try to collect on debts that are time barred and no longer collectable under the law?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The collection company is trying to collect on different debts from me that are past the statue of limitations. So they are no longer legally allowed to collect them. They are also reporting negative information to my credit reports and that needs to stop. How can you try to collect on debts that are time barred and no longer collectable under 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 2017-11-07
Company: Eastern Revenue, Inc.
State: SC
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:
I just recently found this item on my credit and I called the company only to get a rude and unprofessional agent, who threw then to take me to court and ruin my credit over an item I explained that wasnt mine and isnt accurate. The rep hung up on me after I advised that by law they have to send me proof of debt. Im writing this to inform the collection agency that I have no acknowledgment of this matter and I am refusing responsibility of this issue and they need to remove this inaccurate information from my credit otherwise I will be speaking with an attorney and filing a lawsuit against them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation