BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-03
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I leased a new vehicle from XXXX XXXX XXXX on XX/XX/XXXX. Part of the deal was a trade-in of my XXXX. The XXXX was leased by me from US Bank on XX/XX/XXXX for 4 years. The XXXX lease had not yet run out and there was some residual due. I have received monthly statements from US Bank every month since then demanding that I make the lease payments and claiming that more than {$20000.00} is now due and owing. The lease should have been paid off or, in some way, handled by XXXX XXXX XXXX but it has not been. I have spoken to US Bank on more than one occasion and explained that the XXXX is now owned by XXXX XXXX XXXX but they continue to send me the monthly dunning notices. The most recent dun from US Bank is threatening to send the debt to Collection and US Bank is now adding late payments to the lease payment. My husband complained about these same facts ( Complaint XXXX ) and the CFPB informs us that US Bank claims not to know who he is, although we share the same last name and address and from my credit report they can easily determine that he is my husband. The refusal to respond to his complaint by claiming not to know who he is is simply another evasion and tactic to put more pressure on the consumer. The attachments include my husband 's emails to XXXX XXXX XXXX to try to get them to honor the deal they made. Also attached are the monthly lease statements we have continued to receive from US Bank. Also attached is the lease I signed with XXXX XXXX XXXX on XX/XX/XXXX : the trade-in was a part of that deal.

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 2023-04-14
Company: Experian Information Solutions Inc.
State: TX
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX DateUpdated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated:XX/XX/XXXX XXXX XXXX Balance Owed : {$5800.00} XXXX Balance Owed : {$230.00} XXXX XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXXBalance Owed : {$2100.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX Balance Owed : {$2500.00} XXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2023-04-14
Company: EQUIFAX, 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 belongs to someone else

Complaint:
My complaint for today is a follow-up to my previous complaint dated XXXX to dispute these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX Balance : {$960.00} XXXX XXXX XXXX XXXXXXXX Balance : {$180.00} XXXX  XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$8400.00} XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX XXXX : {$500.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX These items are erroneous and I want them deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX agreed with me on XX/XX/XXXX, to settle a {$3500.00} credit card debt they purchased from Capital One Bank in XXXX. The agreed amount was {$2200.00}. I paid {$2200.00} on the date we agreed to, but XXXX XXXX XXXX left a balance of {$1300.00} on my credit report. It appears that XXXX XXXX XXXX is expecting me to pay {$1300.00} to clear my credit report despite our agreement, as stated above. Also, I paid the debt over the phone with a XXXX XXXX XXXX representative on the agreed date, XX/XX/XXXX. I gave her my checking account number and routing code, and I authorized the payment over the phone ; however, my account was not billed for the debt until XX/XX/XXXX. The XXXX XXXX XXXX representative sent me an email message which she said was a receipt for the transaction, but it was not a receipt. It appears that XXXX XXXX XXXX is taking the position that I did not pay the agreed settlement amount on the agreed date. I believe that XXXX XXXX XXXX is using deceptive practices and not dealing in good faith. We agreed to a settlement amount, a payment date, and that credit reporting bureaus would be notified that the debt was paid in full, but I believe that XXXX XXXX XXXX is attempting to collect the entire amount from me despite our agreement and on-time payment of the agreed amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I initiated contact with Experian regarding inaccurate information present on my credit report. Despite the passage of time, I have not received a response from Experian. The specific details of the erroneous information and the necessary corrections are outlined below : Account Information : Account Holder : Not Mine Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX Account type FHA Mortgage Company reported mortgage payment 30 days late even thought payment was withdrawn processed.Also my account is on auto pay.I was alerted by experian of the 30 day delinquency and called the company they indicated there was an error and they sent back the payment.There only resolution was for me to pay manually and pay late fee.This has has to be illegal I've had my mortgage since XXXX  and not have one single missed/late payment because have my auto payment set up.They referred me to contact the credit bureau instead of address the issue directly.

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 2023-12-10
Company: ROBINHOOD MARKETS INC.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, my XXXX brokerage account was restricted due to unknown " safety '' concern which XXXX refused to disclose. I wasn't able to withdraw my fund since then. There is a total of XXXX XXXX dollars in my account. 

Later on they asked for documents ( bank statements, ID, passports, selfie ) which I submitted by XX/XX/XXXX. Then they told me they would review and notifed me of the decision on XX/XX/XXXX. 

On XX/XX/XXXX, they just postponed the decision making to XX/XX/XXXX. 
On XX/XX/XXXX, they even postpone to XX/XX/XXXX. 

When I called XXXX, they just asked me again to provide the same document which I already provided before. The waiting is endless and they keeps asking me for tons of documents and inifintely put restriction on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: JPMORGAN CHASE & CO.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited an estate settlement payment in the form of a cashiers check to Chase bank. They are holding the entire amount for 10 days. They are releasing none to me. I contacted them to see what the hold up is and they are saying they havent received it. The teller in bank said it is possible that the hold can be released early. This was a lie. They are internally holding funds from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14
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: Account information incorrect

Complaint:
I have reviewed my Consumer Reports and noticed that I had SEVERAL late payments on an account that has not been updated accurately. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. The late payments and past due balance reported of {$63000.00} for the account : XXXX  : ACCOUNT # XXXX are not accurate. Please investigate and provide Proof with statements showing that these payments were late all late. This account is paid up and is not behind in payments. If proof can't be provided I request these payments to be updated as paid on time since the account is current. 

In accordance with the Fair Credit Reporting Act XXXX XXXX : ACCOUNT # 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Due to their inaccurate reporting, my credit report has suffered.

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 2020-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/20 I used my edd debit card through BofA on XXXX to get a room. {$130.00}. XXXX The hotel was closed so XXXX  cancelled the transaction and it went into a pending mode until it processed back in my account. Here I am XXXX/XXXX/20 and I have yet to receive the money even though XXXX  confirms they did their part. After a total of 7 hrs on the phone with claims I got no answers and no money even tough they claim to have it in their system. BOfA is stole my money and I demand answers. I'm broke nobody is doing anything to stop them. XXXX XXXX is my name and account is XXXX XXXX XXXX XXXX. XXXX does nothing to help and the people should rebel against this XXXX. We need answers.

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 2023-12-09
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Credit bureau reporting a fraudulent account in my report. 

XXXX XXXX credit card account number XXXX The account does not belong to me and my info was stolen at time account was opened. I have filed a police report for the identity theft and attached to this complaint!

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 2023-12-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase bank suspended my account in XXXX without mailing me a check, its been three mouths now. They withdrew my money left in the account to Chase Claims Department without my permission. And they did not give me an approximate time for when Ill be able to get my money back. Im in a hurry for the money and if they dont give me an answer, then Ill go to the police department to accuse them on the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Experian Information Solutions 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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX 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 2020-10-21
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
They play games with me by phone and mail they told me I can have an account if I step inside a store and apply with my Id I did so ans they still wont process their XXXX  system and credit dept fraud investigations they all lie to me and dont XXXX me they say they have to override its not fair I wasnt a bad customer why are they refusing to process my application even after suiting thr store and they were able to validate its me XXXX fair they dont even check my credit they lie instead to me this is ridiculous this business has to be shut down

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: EQUIFAX, INC.
State: NY
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 tried today XX/XX/2021 to submit a dispute again over the internet with XXXX  in regards to 2 credit inquires that are to be removed off my XXXX  credit report. I don't no why I am unable to dispute anything online with them. However I am submitting this dispute as I had conctaced experian by phone last month in regards to the 2 credit inquires that were to be removed off my credit report and they are stil showing. One is XXXX XXXX that was done 2 years ago and the other one is XXXX XXXX that was also done 2 years ago. These 2 inquires should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX XXXX is falsely reporting our previous mortgage with them as having been " discharged in a chapter XXXX bankruptcy ''. Our mortgage was not discharged. In fact, we modified our mortgage through XXXX XXXX XXXX ( which we lodged a previous complaint XXXX ) wherein XXXX  XXXX XXXX constantly played games of sending out paperwork late and stated it did not receive them. 

In any event, our mortgage with XXXX  XXXX XXXX was NEVER discharged in a bankruptcy. It was modified and paid on time. Thereafter, it was sold by XXXX XXXX XXXX to XXXX XXXX now known as XXXX XXXX. 

I have called XXXX XXXX XXXX customer service department and loss mitigation department regarding the reporting and yet it still is being inaccurately being reported as being discharged. 

I have attached proof of the transfer of the account from XXXX  XXXX XXXX to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One ran three hard inquiries without my permission and Ive called five times to seek help. I only got the run around and was told to contact credit bureau. I wouldnt run three hard inquiries in row with same company denying me each time. I was in XXXX when these three inquiries occurred and explained this to capital one. 

Dates of hard inquiries : XX/XX/2021 XX/XX/2021 XX/XX/2021 Company phone number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-03
Company: SUN WEST MORTGAGE COMPANY, INC.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
At the beginning of XX/XX/2018, the mortgage on my home at XXXX XXXX XXXX, XXXX, VA XXXX, which until that time was held by Sun West, was transferred to XXXX XXXX XXXX. At approximately the same time, XX/XX/2018, the premium for the insurance was due. Subsequent to this time, I was informed by XXXX that the payment had not been received ; so I paid it. Later, I received a check reimbursing me from XXXX and informing me that the premium had been paid ( by Sun West ). I have now received again a notice from XXXX that the premium is due ; and, upon inquiry, I was informed that Sun West stopped payment. 
At this time, I have again sent in the payment, which was to be paid out of escrow, for the insurance premium. Subsequent to XXXX  informing me that the premium was due, I contacted XXXX XXXX and they stated that Sun West owed it ; so, I have two mortgage companies each saying the other owes the premium. This is the second year in a row this is happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: TX
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 my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-04-14
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have reviewed my Consumer Reports and noticed that I had SEVERAL late payments on an account that has not been updated accurately. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. The late payments and past due balance reported of {$63000.00} for the account : XXXX : ACCOUNT # XXXX are not accurate. Please investigate and provide Proof with statements showing that these payments were late all late. This account is paid up and is not behind in payments. If proof can't be provided I request these payments to be updated as paid on time since the account is current. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ACCOUNT # 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Due to their inaccurate reporting, my credit report has suffered.

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