BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
There is unrecognized inquiries on my credit report which i didnt authorized. These inquiries is showing as hard inquiries on my credut report on XXXX only. 
An inquiry was made to XXXX XXXX through XXXX bank on XX/XX/2021 and XXXX Saks 5th Ave on XX/XX/2021. 

I disputed these inquiries with XXXX to get them off my credit report. The result that came from their investigation was for me to contact the company who reported those inquiries. 
I have contacted both these companies, they both have nothing on file that i was trying to request credit or opening an account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/23 i received refund from XXXX XXXX XXXX to close bank account in the amount of {$1500.00} and then another refund on XX/XX/23 from XXXXXXXX XXXX  XXXX in the amount of {$2800.00}. Because bank account was closed chase issued me a cashier check for the amount of {$2800.00} but not for {$1500.00} and they can not find any record of the refund transaction what so ever. And the merchant has confirmed the refund was clear and has not been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: TRANSUNION INTERMEDIATE 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:
There are 8 inquiries on my credit report that do not belong to me I have not inquired for any of these I need these off my report. 

Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  Inquiry Date : XXXX XXXX, XXXX Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/2021 I deposited a check endorsed by some one else to me into my bank account as for a payment of debt owed to me. The check is for XXXX XXXX XXXX XXXX and XXXX dollars. It was a atm deposit at a local chase bank branch. The bank placed a hold on the check as well as my account and was notified by email that my account is subject to close if information requested is not obtained soon. I went to a local branch with a notarized letter signed and stamped and dated. The the check was endorsed the correct way. A fraud representative told me to bring the notarized letter and my I.D . and my deposit processing will be completed. I was then later discriminated against when told on XX/XX/2021 my deposit has cleared but my account is still restricted. Then I demanded that chase close my account right then and there. Then a chase fraud representative told me that I cant close my account when its restricted. Then they they tild me in order to get a check from the bank with my remaining balance I need to bring in the person who endorsed the check to me. I read in there check deposit policy that no I dont.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Capital One Bank is having issues posting direct deposits to consumer checking accounts today Friday XX/XX/2019. This creates a massive inconvenience to the population that lives paycheck to paycheck depending on the immediate access to their hard earned payroll or social security direct deposits. In Capital Ones Account Disclosures, they state that electronic direct deposits will be available same business day. Unfortunately, as of XXXX est this has yet to occur. If the funds are not available same business day, Capital One should be held liable for any issues its customers incurred due to the breaking of their own Account Disclosures. The thing that is most troubling is the lack of communication between the bank and its clients that have instilled their trust of their money into this financial institution. As of XXXX est there has only been a vague automated message on their customer service line and a XXXX  post stating about pending issues, with no set time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance to the fair reporting act XXXX  account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602A states I have a right to privacy 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is not my accounts and inquiries. I want them to disappear forever. I have no idea how they appeared in my credit report but I want them to disappear as they are not mine. I am victim of identity theft and please help me. Please check who could use my personal information and apply serious investigation.

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 2019-04-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a check payment for {$500.00} for my credit card through a Bank of America atm on XX/XX/19, the atm spit out a receipt that it was unable to process the item and could not return it and to contact electronic claims. I did so and they told me that it would take 7-10 to resolve. It was not, I called back after 2 weeks and they said the case was still pending. I checked the bank account I wrote the check off of yesterday XX/XX/19 and saw that it was cashed on XX/XX/19, but it has not been credited to my credit card. I called Bank of America today XX/XX/19 to ask where the money is if it not in my account, they told me to wait a few more days and see and if not I would have to file a claims with my other bank? I dont understand they lost my check and it was cashed and they want me to file a claim with my other bank?

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 2019-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
After opening a secured credit card with Bank of America, I was informed that my account had been " charged off '' after being just 30 days late. Since being originally notified of this, I have attempted 8 times to get accuate information reported on my XXXX, XXXX, and XXXX  reports. 
1 ) Problem # 1 : the amount reported was {$460.00} which was incorrect as I deposited {$300.00} to secure the credit ; this was updated.

2 ) Problem # 2 : never being told what a charge-off meant and only that my account had been closed, I did not know what my options were ; then, I received an offer of settlement letter for {$120.00}.

3 ) After contacting Bank of America re : the settlement, I decided to instead pay the full amount with the assumption that the account would be marked as Paid and Closed.

4 ) Since then, BofA has submitted 8 contradictory reports of this event and none of the agencies found the contradictory info alarming.

5 ) Account Status has been listed as everything from Paid, Closed, Charge-Off, to Open 6 ) The data of the Charge-Off has changed from XX/XX/XXXX ( date of 30 day delinquency at which point account was closed ) to XXXX - XX/XX/XXXX to XX/XX/XXXX to being removed altogether for a 30 day mark in XX/XX/XXXX. 
7 ) The paid in full date of XX/XX/XXXX has been reported, but than changed to Charge-Off, Failed to Pay, and CLS 8 ) Status has continuously stated Account written off for {$460.00} when highest balance was {$160.00} and paid.

9 ) Comments continuously state account closed by creditor when it was closed after payment.

The lack of accountability and the fact that in a situation where a creditor provides different contradicting data 8x the consumer does not get the benefit of the doubt is troubling. 

This acount never reached 180 days late as required for a Charge-Off, I paid the full debt once notified of the option, and yet I still have a damaging notation on all my reports. This should be completely removed at this point, or at minimum changed to : 1. XX/XX/XXXX - 30 Days Late 2. XX/XX/XXXX - Paid in Full ; CLS 3. Status : Pays as Agreed ; Paid, was past due 30 days

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 2018-05-16
Company: CNG FINANCIAL CORPORATION
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
3 years ago I was on vacation. And some took out a loan for {$500.00}. XXXX XXXX XXXX said I walked into a store and took this loan out and they have video proof. I never took out a loan. I noticed the charges on my bank statement when I got home. I contacted my bank. They froze my account. And made me open a new account. They did a full investigation and found that these were in deed fraudulent charges. XXXX reimbursed my money. I sent the report to XXXX XXXX XXXX And now 3 years later I'm receiving threatening calls at home and work. Stating they are going to take me court and I'm going to have to pay restitution and they are going to garnish my wages .they are saying they have the video still. This needs to stop. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: Credit Adjustments Inc
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I constantly receive calls from ( XXXX  ) XXXX and they usually leave messages simply stating that " this call is from a debt collector ''. They never mention the name of the company they are working, or my name, or what the supposed debt is for or what the dollar amount is. I never call them back because I do not owe any debt and this sounds like a scam. I figured that they would eventually quit calling me since I never answer their call but it's been 4 months now and the calls have only become MORE frequent ( weekly ). Sometimes I receive calls from other numbers that sound very similar but I certainly can't prove that the calls are connected. So far, I have received calls from this number XXXX on the following dates and times : XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX   XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX  XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX Is there anyway I can stop this?

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 2019-11-01
Company: LCO Financial Services, LLC
State: NH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Ive tried multiple times to get an address to make my final {$240.00} payment and they refuse to give me one. My checking account was closed due to my account information being compromised. 

When I tried to settle the debt with Blue Trust loans, they refused to give me an address to make the final payment. 

They have now sent the information to XXXX XXXX XXXX XXXX and when I voluntarily called them, they were rude and hostile. And I quote " I dont know who you think your talking to but you better think again '' This comment comes after I asked him to explain why there is a discrepency in what I owe and what blue trust is claiming I owe. 

I then asked if this was reported to the credit bureaus as I have just started builing my credit back up. He asked me how I would like to pay the outstanding balance. 

I cant get a straight answer from anyone at either companies, Ive submitted my request for additional information they require within 30 days of the letter they sent in an attempt to collect the debt.

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 2018-12-14
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 have this inquires in my credit report that are incorrect and should be deleted.

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX 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 2023-07-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Bank of America is sending emails demanding payment when I have written to them and provided proof I am not the correct person, I have signed registered mail they received my response to their attempts. Ive also filed a complaint with CFPB but they continue to attempt to collect from a third party who does not owe the alleged debt. I have an attorney wanting to take the case on contingency and I am providing his law firm with all the documents Ive already provided in my attempt to have Bank of America stand down on their attempts to collect from a consumer who has already provided the legal response necessary for them to cease and desist voluntarily.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: JPMORGAN CHASE & CO.
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: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION / NO KNOWLEDGE OF INACCURATE LATE PAYMENT AND FRAUDULENT XXXX XXXX ACCOUNT APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Navient Solutions, LLC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The data furnisher, NAVIENT, failed to provide correct and accurate contact information on the consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Acount is on my credit Report, however after contacting the company reporting it, Portfolio Recovery, they do not have the account. The account is 6 years old and still shows as " open '', yet I have no way to verify the validity of the account at all as they do not hait in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: The CBE Group, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Charter has received their boxes and was informed that the account was included in a XXXX  XXXX bankruptcy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09
Company: DISCOVER BANK
State: MS
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:
Discover is reporting NEGATIVE information to the credit bureaus, thus adversely affecting my credit score.. MY account is in GOOD standing with DISCOVER. The account Discover is NEGATIVELY reporting DOES NOT belong to me! 

XXXX has lowered my credit by 12 point, thus changing my creditworthiness!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Initial company is XXXX XXXX XXXX XXXX XXXX. They agreed to cancel subscription because my complex wasn't equipped for cable. They shipped equipment on my move in date ( XX/XX/XXXX ). I returned no later than XX/XX/XXXX. Then XXXX XXXX XXXX sold the bill to XXXX XXXX. I disputed XX/XX/XXXX. It was cleared on my credit report. Then again put on by XXXX. I disputed again and it was cleared XX/XX/XXXX. Now in XXXX of this year, it's sent to ERC. And not cleared. I would appreciate an investigation for this. Because, it seems as if XXXX XXXX XXXX XXXX XXXX cancelled but selling the bill to collectors. I would like for it to be removed permanently off my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX  Account name : XXXX Account number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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