BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 Laws. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Original creditor : XXXX XXXX  # XXXX, XXXX  XXXX # Account number XXXX, XXXX/XXXX  Account number 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
On XX/XX/2019 I deposit a check that was paid to me of {$22000.00} and bank of America had a whole week to to verify the check and made it available on XX/XX/2019 and wen i was doing a transfer wire money they stop my fund and froze/ my account and took away my funds. It was the worst XXXX year ever in my life and ended up in the streets homeless

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 2019-09-24
Company: Innovis
State: GA
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:
My identity had been compromise in recent and passed data breaches, accounts are showing in my credit report that do not belong to me, I want to report this in effort to clear my name and remove these item from my credit report, as well as preventing anyone else from opening accounts in my name. I will file a police report soon to support this report, please block these item from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX I NOTICE FRADULATE INQUIRIES AND COLLECTION ACCOUNTS ON MY CREDIT REPORT- CONTACTED AGENCIES FOR DISPUTE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-03
Company: CrossCountry Mortgage LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
At my closing, I was presented with closing documents that were different from those sent to me. The closing cost was more than {$500.00} more than what was quoted to me. When I questioned this the lawyer said that if I didnt sign the document stating that I had received the document in advance we could not close. Both the attorney and I attempted to call the closing agent, the loan officer XXXX XXXX and his manager at Cross Country Mortgage. None of them answered or returned the call. I was charged for insurance fees which were never discussed and not owed. I was only at closing advised of the relationship between Cross Country and the law firm. I was never provided with the names of other options until Closing. I have repeatedly contacted the insurance company, but they have not received the funds. I have contacted the XXXX Law Firm 5 times each a month apart. They state the they have only collected what Cross Country told them to collect. They say they have to contact Cross Country but they never get back with me. 
I am very concerned that Cross Country practices deceptive practices saying they cant schedule closing in advance ( cant even give 7 days notice? XXXX, they ask that I sign documents stating that I received documents in advance when I in fact was not given the document, they are misrepresenting fees to get customers to use their companies and finally they are collecting fees that are not owed and then not refunding them.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit reporting 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 Capital One has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604A section 2 it also states the a consumer reporting agency can not furnish an account with out my written instructions un 15 USC 1666B A creditor may not treat a payment on a credit card under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: FL
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 Laws. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: JPMORGAN CHASE & CO.
State: MO
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:
On Sunday, XX/XX/XXXX, I visited a XXXX 's restaurant for a late dinner. After eating the dinner, I realized I was XXXX XXXX   being very ill that evening with XXXX  and XXXX XXXX XXXX. I called the next day to inform the restaurant manager who referred me to his regional manager. The regional manager called and left me a message and I called several times to follow up leaving messages but never receiving a call back. On Wednesday, XX/XX/XXXX, I called my credit card company to inform them of the issue and they told me that they will place a hold on the charge and review it and to call back 4-6 weeks later to follow up. After calling back 6 weeks later, the same credit card company told me that they don't have any dispute on file, that they do not permit their card holders to dispute anything against restaurants and hotels and there is nothing they can do for me. In fact, they only repeatedly stated that if the " service or product can not be returned in the same condition that it was provided to the customer, that no dispute is permitted and the credit card will not act on my behalf ''. I informed them that this is contrary to the card policy in their attempt to recruit me as a customer - that they do protect their card holders from purchasing issues. Obviously, any serious issues from hotels and restaurants are not protected. For the service industry where there is high variability in quality and for those instances where a customer has been delivered compromised food and/or service, this policy does not protect consumers and rather gives little disincentive for restaurants to deliver sub-quality products/service knowing that there are no consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX B of A assessed a {$12.00} fee on my checking account as maintenance fee. This fee should NOT have been charged because I have complied with the ACH deposit of {$250.00} both in XXXX and XXXX. I have called the bank on XX/XX/XXXX to see why I was the charged the fee. Both the rep and Supervisor I have sopken with agreed that the fee should NOT have been assessed, admitted it was a bank error. However they could not refund it because my request was passed 90 days. This is not acceptable. B of A should not get away with my {$12.00} adding to their over XXXX Billions in fees they collected as of XX/XX/XXXX. 

I am kindly asking for your help in recuperating the fee. 

Many thanks.

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 2018-05-18
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was going through my credit report and noticed five hard inquiries that do not pertain to me. The first hard inquiry is for PAYPALCREDIT the date of the inquiry states XX/XX/XXXX and the institution 's information is Paypalcredit XXXX, XXXX XXXX. The phone number is ( XXXX ) XXXX. 

The second hard inquiry that does not pertain to me is an inquiry that states XXXX/XXXX XXXX. The date for the inquiry states XX/XX/XXXX. I have never heard of this company in my life and I did not try to open anything under this. Institution information for this is XXXX/XXXX XXXX XXXX, XXXX XXXX. The phone number is ( XXXX ) XXXX. 

The third hard inquiry that does not pertain to me is XXXX/XXXX. The date for this hard inquiry is XX/XX/XXXX. I have never tried opening anything under this account. This is a fraud. The institution information is XXXX/XXXX XXXX, XXXX XXXX. The phone number is ( XXXX ) XXXX. 

The fourth inquiry that does not pertain to me is XXXX. The date for this inquiry is XX/XX/XXXX. Institution information is XXXX XXXX XXXX, XXXX XXXX. I have never tried opening anything under this company. The phone number is ( XXXX ) XXXX. 

The Fifth inquiry is XXXX. The inquiry date is XX/XX/XXXX. The institution information is XXXX XXXX, XXXX XXXX and the phone number is ( XXXX ) XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-30
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: Investigation took more than 30 days

Complaint:
I have a credit report dated XX/XX/XXXX in which it shows the XXXX XXXX XXXX account as " settlement accepted on this account-paid charge off - legally paid in full for less than the full balance ''. The comments are listed on the XXXX XXXX XXXX account with all 3 bureaus on the credit report from XX/XX/XXXX. I looked at a more recent credit report dated XX/XX/XXXX and the same account XXXX XXXX XXXX is listed with Transunion with a past due balance of {$5600.00} and the comment states " profit and loss writeoff - charge off as bad debt ''. Please note I settled this account and legally paid in full less than the full balance. There should be a {$0.00} balance and the comment should reflect " legally paid in full for less than the full balance '' like it used to last year in XXXX. This is an error and I have disputed it with XXXX XXXX XXXX and Transunion but it has not been corrected. My credit suffered tremendously when they put a debt back on my credit report that is not correct, it increased my debt to income.

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 2018-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
bureaus all 3 will not correct inquiries online and want remove the false info

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 2023-09-05
Company: LOBEL FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Voluntary repossession

Complaint:
I Did XXXX Consecutives payments and voluntary return the car otherwise they sold the car, and I paid the difference. and now they use the incorrect information in my credit report because LOBEL FINANCIAL XXXX sold the car. information not verifed from Corporation XXXX XXXX value represented in the contract. So it was paid XXXX $ in XXXX monthly payments. 
and 2020 payment XXXX $ total amount XXXX $ and the original amount XXXX $ difference is XXXX $ the car value in XXXX $ at least XXXX XXXX in auction Nothing in these records is accurate was my debt or was a value car in my credit report no appears any information when This account is scheduled to continue on record until????? is inaccurate and unlawful. 
I can't pay a lawyer. and add destroyed my Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: SYNCHRONY FINANCIAL
State: WA
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:
I purchase from XXXXXXXX XXXX a order XXXX for GooseCreek Candles with my XXXX XXXX XXXX Credit Card for {$140.00}. 

I cancelled the order in XXXX as I never received them before XXXX. XXXX XXXX never got back to my emails either until now. Synchrony Bank ( credit card ) has not refund me any money back on my card, or XXXX XXXX gift card. 
I have called and emailed several times. 
XXXX XXXX and Synchrony Bank and XXXX XXXX is doing nothing and says they will look into the matter and never does. 
I really want a refund back for XXXX  I did not receive.

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 2022-08-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I appreciate the effort done by the Credit Bureaus to remove some of the disputed accounts from my Credit report, but I still have remaining accounts that should also be removed under the provisions of the FCRA section 605b. The remaining accounts were also resulted due to identity theft and must be removed accordingly. I previously sent a letter addressed to the Credit Bureaus last XX/XX/2022 with complete attachments of my personal information as well as the ID THEFT REPORT I received from the FTC. I have read that the Credit Bureaus are required to remove any account and information that resulted due to identity theft within 4 business days after the day of receipt. I am submitting this complaint to remind the Credit Reporting Agencies of their responsibility to remove the disputed accounts under the FCRA section 605b. I need the following accounts removed as soon as possible : XXXX XXXX  XXXX Balance : - XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX, XXXX. XXXX Balance : - XXXX XXXX/XXXX  XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX Balance : - Bankruptcy XXXX  XXXX Reference # : XXXX. If the Credit Bureaus insists that the Credit Bureaus that the disputed accounts belong to me, I need the Credit Bureaus to provide me copies of documents bearing my signature to support the Credit Bureaus Claims. Under the FCRA section 605b, I need the disputed accounts removed from 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
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-01-20
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I received scam calls asking me to transfer money for the amount of {$950.00} and {$790.00} via XXXX Chase quick pay. Right after I transferred the money, I called the Chase bank immediately trying to stop the payment or recover the money. I was placed on the hold waiting for XXXX hour before talking to a real person. Then she told me I should talk to another online transaction department. Then waited another hour, they told me they were not able to reverse the transaction. Asked to to contact XXXX. XXXX couldn't help either. I wish the bank should have more loss prevention ability or have a track to get money back due to scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
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: Information belongs to someone else

Complaint:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT

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