BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I applied for a Bank of America Business Fundamentals Checking account. There was a promotional offer advertised on the Bank of America website for new business checking accounts. I saved a copy of the offer when I applied. The offer stated that new business customers could receive {$200.00} if they applied online for either a Business Fundamentals checking account before XX/XX/XXXX and completed a deposit of {$1000.00} or more within 60 days. I applied using the link on the Bank of America website. Within minutes, I received an email notification that my application had been received. On XX/XX/XXXX I received notice that my account had been opened. Within just a few weeks of opening the account, I deposited more than the {$1000.00} requirement for the promotional offer and have made subsequent deposits since then. However, I never received the bonus. I have been in phone contact with Bank of America several times (  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Each time I am told that someone will look into the issue. I even mailed the bank a letter on XX/XX/XXXX with a copy of the offer. There has been no response. It is false advertising and just bad business to offer an incentive to attract banking customers and not fulfill the incentive. I met the terms of the offer and should have received the bonus.

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 2020-05-18
Company: EQUIFAX, 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 status incorrect

Complaint:
One of my 4 Parent loans went into collections without my knowledge. I thought that they were all on deferral. 

I've been trying to work with XXXX XXXX XXXX XXXX to get a reasonable payment plan. 

The only response I ever got was that they were unable to locate my account. 

Although they have failed to cooperate in any way, I continued making payments of whatever I could afford. 

I recently sent them a letter asking to negotiate the amount down to {$2500.00}. They accepted the {$2500.00} as payment in full. Now, even though they cashed the check with PAID IN FULL written all over the front AND back, they state that they will continue collections activities. 

This NEGATIVE item remians on my credit reports SEVERAL TIMES. Each one with a different status. Collection, Charge off, Transferred, closed. They are all the same loan. 

Other than this one item on my credit report, I have NEVER had a late payment and they have ruined my credit. 

I have continuously requested removal from all three agencies. It comes off and a month or two later, it's right back on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
On XX/XX/2019, I filed a dispute with Transunion regarding inaccurate fraudulent account that is not my account on my credit report. 
On XX/XX/2019 I again filed a dispute regarding the same inaccurate fraudulent account that is not my account. 
On XX/XX/2019 I received a letter from Transunion dated XX/XX/2019 stating the results of the investigation of disputed item is DELETED. Their letter states the item was removed from my credit report. 
On XX/XX/2019 I received a new copy of my credit file and they continue to report the inaccurate item. I want this item that was stated to be deleted removed from my account immediately.

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 2021-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
My credit score into XX/XX/2021 was XXXX. Without any changes to credit activity my score dropped XX/XX/2021 to XXXX. This affected a loan for a car. I needed to have my daughter get the car with me on the loan. At first I was asked to pay 14.5 % interest with my daughter who has an excellent score. I printed the details for company to see what happened. I was lucky to get a better rate yet still had to have my daughter on the loan. With the car loan my credit should build from XXXX not XXXX. 
Also, I had a XXXX credit card was on my credit report then was removed. 
I've tried to resolve this to no avail. 
The purpose of credit in my use is to build my score. 
Why would I use credit if not to build my score? 
Copies of report available if necessary.

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 2020-05-18
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
With our lives ( and livelihood ) dependent on credit reports, the law should require these agencies to be a lot more transparent than they are. Specifically EXPERIAN. I had a breakin where a lot of PII was compromised including drivers lic, SSN, checking and banking info etc. I placed a freeze on all of my credit reports. XXXX was the most easiest, and most helpful. In fact they took my police report and contacted the other bureaus. 

I'm attempting to unfreeze my credit so I can buy a place to live after the break-in. Again, XXXX and XXXX were a 3 minute phone call each. I am now required to mail a request to unfreeze my Experian report because their phone and online systems are circular and not helpful. There should be a requirement to make them be as accessible as the others. My clearance is dependent on my credit report but the govt isn't making this easy to fix!

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 2020-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 multiple accounts on my credit report that do not belong to me. I filed a police report, an identity theft report, and disputed them with all the credit bureaus. Some have been removed but the bankruptcy, an account with XXXX XXXX XXXX, and an account with XXXX XXXX none of which belong to me.

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 2018-02-26
Company: HYUNDAI CAPITAL AMERICA
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Hyundai without warning is now charging {$3.00} to make a one time payment online, something that was advertised as a free feature when I took out the loan. 

This is a push for autopay so we cant pay ahead. 

Loan taken out XX/XX/XXXX, received notice on XX/XX/XXXX statement to be effective XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Experian Information Solutions 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:
Company has misused my identities in an attempt to bill me for a product I do not need through my XXXX XXXX card & my XXXX card

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 2023-01-10
Company: EQUIFAX, INC.
State: IL
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:
Hello My name is XXXX XXXX XXXX, I have spoken to Equifax.XXXX  and XXXX on multiple occasions to delete previous addresses and also known names removed from off my consumer report, But there has been NO removals, If you all cant help me I will get my Lawyer Involved. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: Harley Davidson Financial Services Inc
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 information incorrect

Complaint:
Harley Davidson is reporting a debt on my credit file I do know. I had disputed this information because I thought that the insurance paid the debt, after my findings that they didn't I contact Harley and settled the debt with them. Yet they are still reporting this erroneous balance on my credit report. I need them to remove this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
My ex girlfriend opened a checking account at XXXX XXXX XXXX. After her and I broke up I called the credit union and advised then we had broke up and I would like my name removed from the account. I also stopped direct deposit of my pay check to that account. Some time after all this, my ex over-drafted the account, and it was charged off and set for collections. It also shows on my credit file. I have called and wrote the credit union several times asking for it to be removed. They still refuse to remove the account from my files.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: PlusFour, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX at XXXX XXXX est I called debt collector Plus Four, Inc ( XXXX ) XXXX to request a validation of debt, my credit report was showing that I owed {$320.00}. I provided the rep my dob and last 4 of social security number, the rep stated that there are several accounts on file and that a validation letter could not be fulfilled via phone request, I would have to request the validation by sending a letter via mail. I was then provided the business address to send the letter. I went to the USPS later that day and sent the letter certified ( see attachment ). Upon checking the tracking information on USPS.com on XX/XX/XXXX, the system stated the letter was refused and is currently being returned back to sender. 
I have disputed and requested removal of this account several times on XXXX/XXXXXXXX and asked for a validation of debt from the debt collector to no avail. This account continues to be reported without any proof of validation and is damaging my 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 2020-05-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A fraudulent account was opened in XX/XX/2016with XXXX ( XXXX XXXX XXXX  ) XXXX ( I don't know what these initials mean ). The account number on the bureau is XXXX. Around the same time an address from California ( I live in Georgia ) appeared on my file. I conferred with several experts in fraud and they confirmed that this account has all the red flags for such an account. The account was opened, immediately charged to the limit and no payment was ever made on it from the beginning. 

I disputed this account with Equifax and XXXX XXXX and they not only left it on my file. They did not block it from display ( as provided for in the Fair Credit Reporting Act ). This is a violation of my federal rights. 

I have provided copies of a fraud affidavit ( FOR INFORMATION PURPOSES ONLY ) I do not expect the CFPB to file this affidavit..but I do expect for you to make Equifax and XXXX XXXX adhere to the federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Chase closed my account because I file complaint through XXXX XXXX against chase they have no reason to close my account when I spoke with claims they said I should not have file complaint against them she said I have unusual activity on my account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: ARS National Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
These XXXX XXXX call all of my phone numbers looking for someone else. I've told them to stop calling, but they continue. They don't care. They are liars and I'm sure their response will be a lie also. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I received a payoff quote from BMW Financial Services to payoff my lease on XXXX in the amount of {$51000.00} good through XXXX. The vehicle was sold to the dealer on XXXX. To confirm the figures, they requested a new payoff. They received a payoff in the amount of {$51000.00} good through XXXX. The lease was paid off a few days later on XXXX well within the time frame of the original payoff I received. BMW is now telling me, there is no overage and the payoff I originally received is voided as a new payoff was requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: EQUIFAX, INC.
State: WY
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:
This card is issued by XXXX XXXX XXXX pursuant to a license by XXXX XXXX. XXXX is a registered trademark of XXXX XXXX XXXX.XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Application Number XXXXXXXX, WY XXXXWe’ve helped protect your identity.Dear XXXX XXXX:We’re XXXX XXXX XXXX and we handle everything related to the XXXX XXXX XXXX credit card.We received the correspondence you sent to the Consumer Financial Protection Bureau(Ref. No. XXXX). You indicate an application was submitted for a XXXX XXXX XXXX XXXX XXXX credit card using your personal information. You did not authorize anyone to viewyour credit file and state it is a violation of the FCRA. You request documentation validating yourauthorization or the inquiry deleted from your credit file immediately.No account was opened in your name. We requested the credit reporting agencies remove theinquiry from your credit report. It may take up to 45 days for the credit reporting agencies to updateyour credit report.We suggest you take the following steps to help protect your identity: Place a fraud alert on your credit reports. A fraud alert tells creditors to contact youbefore opening a new account or changing an existing account. You can do this bycontacting any one of the consumer reporting companies mentioned below. The one youcontact will notify the others to also place an alert on their files.XXXX XXXX Equifax (CBI) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX, PA XXXX XXXX0XXXX www.equifax.com XXXX File a report with your local police or the police department where the crime tookplace. Many police departments have a special Identity Theft Report that we recommendyou obtain to protect your rights. Visit the Federal Trade Commission’s website (www.ftc.gov/XXXX). It providesadditional information and helpful resources for dealing with identify theft.Please accept our apologies. We’re sorry for any frustration or inconvenience this matter mayhave caused you.If you have any questions, please contact our Account Protection (Fraud) Team at XXXX XXXX Sincerely,XXXX XXXXCompliance Dept. – Consumer Responsescc: Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: JPMORGAN CHASE & CO.
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
In XX/XX/XXXX my husband leased a XXXX XXXX XXXX through XXXX XXXX XXXX which is owned by JPMorgan Chase Bank.  The lease was for 3 years ending in XX/XX/XXXX.  Unfortunately, my husband died in early XX/XX/XXXX.  When I contacted Chase, I was put in touch with the Auto Recovery, Bankruptcy, Special Ops @ Chase which also handles Probate matters. On XX/XX/XXXX, I was told the account was being closed (discharged), but I could continue to make payments or go to the dealer and buy the car.  I continued to make payments, the latest one at the end of XX/XX/XXXX so the account remained current.  I did explore buying the car with the dealer, but the payments would have been twice the current payment.  I was also told by Chase that there were no WRITTEN polices or procedures that could be sent to me as "they didn't exist".  I would have to go by what they were telling me verbally on the phone while I tried to write down what they quickly rattled off legalese style.  I tried to explain that I didn't understand what was being said and, as I wear hearing aids, could they please slow down, but this didn't happen.  I spoke to 9 different people on 6 different days between XX/XX/XXXX and XX/XX/XXXX, getting different conflicting information every time.  I ended up frustrated, confused, scared, and finally angry.  I was told that I really needed to just return the car to the dealer, and as I was not on the lease, I was not liable for the car or any financing issues.  Chase was going to take the car back, inspect it for damage and mileage at their facility, prep it, and sell it at auction.  They would then approach my husband's estate for any shortfall.  They didn't seem to understand (or care) that while I was "not responsible" on the lease, that the money was ultimately coming out of my pocket.  No one could (or would) give me any idea of how much the "shortfall" would be.  They weren't even going to send a letter to the last address on file to let me know that the lease was bing discharged or anytime else until they had the car and I had signed it over to them.  I was given until the end of XX/XX/XXXX to turn the car in as the lease will be discharged at that time and the car will go into repossession mode with another whole set of fees.  I am feeling most uncomfortable about returning the car without knowing the price of my actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: Columbia Recovery Group LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been receiving repeated phone calls from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX WA XXXX in an attempt to collect a debt owed to XXXX XXXX in XXXX, Washington. 

At least 3 times, I have been contacted by and them and explained to them that they are contacting the wrong individual, who apparently has the same name as I do. I have given them the last four of my ss # and, after doing so, they realize that they have the wrong individual, apologize for contacting me and say that they will update their records. 

Today I received yet another call from XXXX XXXX from the same institution. I was incredulous that they have yet to correct their records from the multiple times that I have requested them to do so. 

XXXX XXXX was very condescending, accused me of trying to not pay a debt that I clearly owned, and was in general very unprofessional. As she continued to provoke me, it became very clear that not only was she refusing to listen to my explanation but was set on continuing to speak to me in an accusatory manner.

Company response to consumer: Untimely response
Consumer complaint received 2023-01-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received Email regarding opening banking account with HSBC that I did not open. I also received letter in the mail and a credit card. Card in letter shows HSBC, credit limit was XXXX and application was filled around XX/XX/XXXX. I called them and spoke to a foreign person. He wanted personal information and I did not feel comfortable doing so. I tried telling them I did not fill out anything but believe there was a language barrier. He told me to reach out to credit XXXX to report fraud. I called and placed Fraud alert but was told to reach you since account has been opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am submitting this CFPB complaint requesting to the Credit reporting Agencies to remove or lift the Security Freeze from my Credit File. I ordered an updated copy of my Credit Report and I noticed the Security Freeze and Fraud Alert from my Credit File and I am now requesting that the Credit Bureaus remove the Customer statement from my Credit Report indicating the Fraud Alert and Security Freeze.

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