BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The scheduled auto loan payments automatically paid monthly through ebilling. The last payment was taken automatically but did not take the overage. The access amount and fee totally {$27.00} was waived but now it is showing up on credit bureaus report as late. I disputed to Bank of America and all three bureaus but Bank of America dispute department said it was accurate. I am unable to speak to someone directly to explain. I have never made a late payment and have excellent credit until this {$27.00} late payment is showing up after the account has been paid and closed.

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 2020-09-23
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
BMO Harris Bank gave me forbearance on my loan from XXXX to XXXX of this year. They also changed loan services and gave me a new account and now the servicer is saying that I made an XXXX payment and I have a late charge of {$510.00} with in fact I made no XXXX payment. Please see attached documentation. I can not get through to anyone at the loss mitigation department and when I called the new servicer they are extremely rude and tell me that I have to speak to BMO Harris Bank about the late fee on a payment that was never made due to forbearance which is documented. They also tell me that I need to write a letter to the research department to solve the issue when this is completely their problem. I know XXXX XXXX XXXX as I worked at the XXXX in DC during the XXXX XXXX and this is something seriously wrong. I helped create the CFPB for this very reason.

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 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There are unauthorized businesses on 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 2019-01-02
Company: Retail Merchants Associates
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am disputing this collection account with CFPB concerning Retail merchant Association placing a collection account on my XXXX credit report. I recently sent Retail Merchant Association a letter asking for validation of the alleged debt amounting to {$10.00}. Retail Merchant Association did not provide any documents or evidence to validate the account, but instead gave me a print out of the bill. This company kept this account on my XXXX   credit report despite providing proper validation of this debt, but instead of verifying ( identifying ) the debt. Again, Retail Merchant Association did not provide any documents or evidence to validate the account. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from my XXXX credit report or provide me with PHYSICAL PROOF, such as a signed legal binding contract of the debt. Your immediate response will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: HYUNDAI CAPITAL AMERICA
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: Account status incorrect

Complaint:
I financed a XX/XX/XXXX XXXX XXXX on XX/XX/XXXX On XX/XX/XXXX the vehicle was involved in a accident, XXXX paid on the car and the gap insurance paid the rest. I don't remember the exact date but recieved information that the car was paid off. I believe it was at the end of XX/XX/XXXX. The status of the loan is still open on my credit report and it's making it hard for me to get a home loan. I will be contacting XXXX XXXX XXXX today. Please respond with solution to help me. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-08
Company: CITIZENS FINANCIAL GROUP, 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: Account status incorrect

Complaint:
I have been trying to delete this 2 past due payment, i started the automatic payment and they did not withdraw the money from my account on time then when they contacted me i pay the 2 month a delete the automatic payment to avoid mistakes like this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Freedom Mortgage Company
State: AL
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:
My concerns are their unfair credit reporting processes. I paid my account within 30 days and my account was never late. However, it was reported late.

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 2019-01-02
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was charged an overdraft fee for a debit card transaction and I have not elected to " opt-in '' for overdraft " protection ''. The transaction is as follows : Transaction Description Amount Action Fee RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXXXXXX  XXXX {$12.00} PAID {$35.00}. 


I was offered a refund of half of my fee, which I accepted at the time, as it was better than none, however I believe that this practice was unlawful. 
I also deposited {$100.00} into the account of the day that the account was overdrawn, before a debit card purchase was posted and received a 2nd overdraft fee for an ACH. The account reflected a positive ~ {$22.00} balance after the deposit. The next morning, ( today, XX/XX/2019 ), I log in to my account to see it negative ~ {$48.00}

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 2019-01-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Chase Bank, Executive Office has ignored the evidence provided showing the property with XXXX XXXX XXXX XXXX transferred to Chase Bank due to  acquisition of Washington Mutual Bank which acquired XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX I spoke with FDC Federal deposit insurance that oversees bank transfers. The agent who oversaw the Chase Bank acquisition of Washington Mutual Bank confirmed the acquisition. Agent confirmed FDC did not retain files from Washington Mutual Bank acquisition and verified the transfer to Chase Bank. Agent advised to dispute my large bank account assets transfer to Chase Bank with Chase Bank direly and submit a consumer complaint. 

1. XXXX XXXX XX/XX/XXXX XXXX was acquired by Washington Mutual bank which was acquired by Chase Bank. 

2. Executive Office of Chase Bank ignored my correspondence on XX/XX/XXXX with the facts below. 


A. Proof of ownership of XXXX XXXX XXXX XXXX, XXXX property of large bank account The attached XXXX XXXX XXXX  XXXX, XXXX tax form of XXXX shows interest income of {$1200.00} earned to the original deposit of a large bank account of {$20.00} opened in XX/XX/XXXXat XXXX XXXX XXXX XXXX, XXXX. 

B. As of XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA was acquired by Washington Mutual Bank. Washington Mutual Bank failed in XX/XX/XXXX, and all accounts ( and website access ) are now handled by Chase Bank. 

C. State Controller Unclaimed Property office stated that the Savings account property was not transferred by bank to State Controller Property office. 

To determine whether the property is being held by a state government, I did a free search at XXXX, a Web site of the XXXX XXXX XXXX XXXX XXXX XXXX and spoke with three Administrators at the XXXX XXXX XXXX XXXX to confirm my search results. 

D. FDIC Federal Deposit Insurance Corporation that oversees bank transfers including Washington Mutual Bank 's acquisition did no retain files from Washington Mutual Bank 's acquisition by Chase Bank. The FDIC did not turn unclaimed property over to the state. 

E. FDIC Federal Deposit Insurance Corporation stated I needed to claim property from the business, Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: I.Q. DATA INTERNATIONAL, INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Reported on my credit as a loan that I never requested or had for ( {$2400.00} ) IQ Data International ( XXXX XXXX  XXXX XXXX, Wa XXXX ) Original Creditor : XXXX XXXX XXXX  ( XXXX, La ) Total : ( {$3000.00} )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: JPMORGAN CHASE & CO.
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 information incorrect

Complaint:
inaccurate data reported XXXX, Charged off account still reporting a balance.. FCRA violations . Date last reported, date opened

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Had an American Express prepaid card with an original balance of {$20.00}. On its face the card said it was valid till XX/XX/XXXX. Used the card once or twice until the balance declined to {$13.00}. 

Today went to use card and found it has a XXXX  balance as American Express has been charging a {$2.00} a month fee till it ate up the entire {$13.00}. 

THIS OUGHT TO BE DISCLOSED ON THE FRONT OF THE CARD IN BIG LETTERS NOT HIDDEN ON THE BACK OF THE CARD THEFT!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-23
Company: CAINE & WEINER COMPANY, INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX I have never signed up with XXXX XXXX. Please provide me showing a hand written signature that I signed up for this company. Also I want a contract showing that I have any legal obligation into paying you guys for this debt. If you can't provide me with that then I want you guys to remove this from my credit report immediately. Please don't try and call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: Creative Finance, Inc.
State: WI
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:
After receiving chapter XXXX discharge in XX/XX/XXXX, Creative Finance at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX WI failed to update correct information. It shows on my report as follows. It's appearing under ACCOUNTS>CLOSED ACCOUNTS, ACCOUNT TYPE installment loan, BALANCE $ -, PAYMENT STATUS current, ACCOUNT STATUS closed, PAYMENT STATUS included in chapter XXXX bankruptcy and XXXX PAYMENT HISTORY shows as negative items because they have it listed as XX/XX/XXXX 30 DAYS OVERDUE, XX/XX/XXXX VOLUNTARILY SURRENDERED and XX/XX/XXXX as NEGATIVE. I have disputed it, contacted Creative Finance via phone and mailed them a written request asking them to please remove or update payment history because it's directly affecting my ability for a fresh start, it's affecting current and future credit reports and scores, having a direct impact on my ability to obtain loan in future, interest rates and is continuously affecting my future every day it's on my report. XXXX will not allow me to dispute it again and Creative Finance will not respond to verbal or written requests. I have been forced to contact legal counsel in attempts to get this matter resolved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: CORELOGIC INC
State: NY
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 have tried to call this company to tell this them I never authorized any Inquires with this company XXXX. I never heard of them. I tried calling them on 2 occasions. Each time they said they would remove this Inquiry since I had no clue who they are and never authorized anything. 

I do not have an account with this company. I did not apply for anything with this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX My husband, went to a Wells Fargo 24 hr ATM. He accidentally hit fast cash {$400.00}. It asked if he needed a receipt, realizing he hit the wrong amount he canceled the transaction, got his bank card out and then he proceeding to conduct his transaction for the right amount of {$300.00}. {$300.00} was dispensed and my husband left that ATM. A few days later I noticed a charge for {$400.00} and {$300.00} on my bank ( XXXX ) I proceeded to follow an ATM dispute. XXXX dispersed {$400.00} until they had a finding. Well, Wells Fargo came back saying that no error occurred, that these transactions cleared on two separate days. XXXX then took back that temporary deposit of {$400.00} on the XX/XX/XXXX when Wells Fargo came back and said that no error occurred. I have a {$610.00} ATM withdraw limit on my card, per day. My husband did not take out the said {$400.00} and {$300.00} on XX/XX/XXXX. If he did, our card would have not allowed him too due to the {$610.00} limit withdraw on our card. However, Wells Fargo somehow cleared the transactions on two separate days? How is that possible when they were done back to back? Wells Fargo stated that they have different transactions happening in-between my husbands ATM transactions for {$400.00} ( Accidentally ) and the {$300.00}. After getting the run around between my bank ( XXXX ) and false information, we have tried desperately to rectify the situation ourselves. We went directly to Wells Fargo, and because we are not customers of them they can not help us. We then went to the Police station to file a complaint and they stated that we would need to take it to civil court. We would just like to receive our {$400.00} back that happened to " disappear '' due to a fault on Wells Fargo ATM. Also I would like to note that when Wells Fargo tried to " help '' us all they could tell us was that they their ATM numbers were " fine. '' I know an error occurred somewhere within the Wells Fargo 24 hr ATM, because my family and I are short {$400.00}. 


Attached will be the ATM dispute that showed the money was dispersed, even though we did not receive the {$400.00} because my husband canceled the order.

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 2019-02-18
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
After sending information to verify myself with my disputes by means of a CRO on XX/XX/2019, Equifax has failed to respond to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. 

Equifax XXXX ACCOUNTS XXXX XXXX not mine XXXX XXXX XXXX  XXXX {$68.00} not mine XXXX XXXX  XXXX {$85.00} not mine XXXX XXXX  XXXX {$85.00} not mine XXXX XXXX XXXX {$160.00} not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-14
Company: Freedom Mortgage Company
State: IA
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:
Freedom Mortgage reported my mortgage as delinquent by 120 days when I was in Loss Mitigation. There was a processing error on their part but I was told while it was being reviewed for Loss Mitigation that it would not be reported negatively on my credit report and I want it updated. My attempts have been unsuccessful and with Covid the call volume has been extremely high.

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 2021-08-14
Company: HireRight Solutions, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
Hire right is a background reporting agency that reports information based on federal law. The employer is requesting a 10 year criminal report with the location to be hired in new mexico and used a texas location for training. What is the law that is supposed to be followed. The charge happened in XXXX and the conviction in XXXX. What is the 7 year rule.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Company: ID Analytics, 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: Old information reappears or never goes away

Complaint:
I am absolutely in disbelief that there are so many credit rating agencies, these agencies have different scores and different information constantly. Now I have come across an agency called XXXX XXXX. They report that my credit score is XXXX, what a joke. While all three major agencies are within XXXX to XXXX points of each other and my score is XXXX with XXXX yet XXXX with XXXX, these morons have the nerve to rate my score XXXX. Why hasnt the government mandated and control these 3rd party and even the major credit bureaus with a set of guidelines that can not be taken into their own hands and each bureau allowed to use a different rating system, these agencies control our lives as Americans and need to fall under one set of rules and use only one accepted way to rate our credit. TOO MUCH depends upon their rating such as employment, interest rates, getting credit for a small business. Now I have to dispute a bunch of inaccurate information with this agency XXXX XXXX that NO ONE have ever heard of. Why would XXXX use such a no name credit bureau, but your agency needs to overhaul this industry and make this agencies homogeneous within the way they choose to rate our credit.

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 2021-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello! 

On XX/XX/2020, I had received a payment via XXXX for some online marketing I would do for some friends that I had met online. There were two payments on the same day from " XXXX XXXX '' for {$100.00} and {$100.00} which I have included screenshots of. Two days later on XX/XX/2020, I had received notice that " XXXX XXXX '' had reported these charges to his bank account as fraud in an attempt to get his money back after the online marketing I had offered was already delivered. People often do this in order to get their service/product along with their money back in the online world. Along with this my accounts were restricted and could not be used until the investigation was complete. After days of calling on XX/XX/2020, I was able to get a partial amount of my bank funds with them transferring {$4600.00} to my savings account and closing the account resulting in me receiving a check in the mail later that week. On XX/XX/2020, after days of contacting Capital One and doing my best to work with them and prove my case, the verdict was decided that " XXXX XXXX '' would get his refund for the payments he had sent. This is not the issue, after I was notified of the refund, I was also told that my bank account will indefinitely be frozen and they would not release the funds to me under any circumstance. However, I had exhausted all of my efforts in order to retrieve the rest of my bank funds but was now being told that they couldn't give me anymore information on the situation and that due to " suspicious activity '' they wouldn't be releasing the money. The bank account is still open and I receive bank statements and monthly interest on the money in the account. They had told me that after a certain amount of time if the bank account remains inactive it will be closed and they will be keeping the funds for themselves. This seemed very odd to me and caused me to believe this was not legal nor ethical. There is still {$9200.00} in the account that I would like to recover as it rightfully belongs to me. I do not believe that Capital One has the right to hold all of my money until they will inevitably be able to keep it due to a {$200.00} refund.

Company response to consumer: Closed with explanation