BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
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:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I mailed in and disputed online XX/XX/2023 with XXXX, Equifax. and XXXX to reinvestigate the following account : Account name : XXXX. Account # : XXXX. 

However, they stated everything was complete and updated. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-27
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'm very frustrated because I reached out to you all in XXXX of this year about things on my credit that I know nothing about. I'm really trying to help my brother who now has a XXXX XXXX baby get a new car. I have reached out to the FTC and my police here. You guys did get some thing resolved but there are still a few items on there that is not mine XXXX XXXX, XXXX and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-06
Company: Golden Title Loans LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/2018 I was constantly contacted by XXXX XXXX 's law firm with XXXX XXXX XXXX. XXXX XXXX told me that she is collecting a debt for XXXX XXXX, but was very rude on the phone. Told me I need to hurry and send money the today or I will be sent to court. She told I will be charged for breach of contract and writing a fraud check. I needed the money for a funeral and fell on hard times in which I couldn't pay the loan off immediately. She told I have to pay court cost, attorney fees, and including the loan. She told me to pay half the loan in order to get it settled. The people are very rude and told me I need to learn how to pay my bills on time or this wouldn't be happening to me. I know in Tennessee, payday loans can not aggressively send you to criminal court in which she told I could get charged for breach of contract and fraud checks. They constantly kept calling my mom and other family members. She told she will not stop calling my family until the debt is paid for which is a form of abuse. When I asked for the name of the Law firm the secretary, XXXX told me none of my business, and wouldn't spell out the name of the law firm in which XXXX XXXX uses, and told me I need to learn how to pay my bills on time. Extremely rude people and aggressive! They also known for talking over you while you trying to ask them important questions. I had to seriously tell them to let me speak so I can understand the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX XXXX and XXXX I disputed charges on my card from a business that was overcharging me based on the contract in place. They denied my claim despite evidence submitted by the business that clearly did not even match what they had charged me in total. They did not request further evidence from me despite. They just told me there was nothing more I could do. 

I was charged a total of {$1900.00} by this business from 6 charges on XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XX/XX/28. My contract total should have been {$1300.00} of which I have proof. They are not resolving the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 still not received a detailed method of verification response as per FCRA 611 ( a ) ( 6 ) and ( 7 ). My rights are continually being violated in a damaging way. After having exercised my rights to have the two Portfolio accounts, the XXXX XXXX account and the Synchrony account that are listed on my credit report with this company, proven to maintain standing on my credit files, I made a demand for the Method of Verification when those accounts were listed as accurate. I was not requesting the general standard description of Transunions procedures, I was not demanding them to simply state that they were listing these accounts accurately. I was demanding how they came about this decision to list these accounts as verified. What documentation was provided by the data furnisher? Who was spoken to at the data furnisher and what was their qualification to be familiar with the alleged accounts in question? I started this dispute process in early XXXX of this year and mailed the Method of Verification letter on XX/XX/XXXX, so were nearly two months without an answer on this subject. 

Again, I am not interested in nor asking for a general description of Transunions procedures in the case of a consumers disputes. I am demanding as my rights under the Fair Credit Reporting Act provide, a specific description of how this information was verified as accurate. This hasnt been effected with direct letters with the credit furnisher so I am forced to access the CFPB in an effort to get answers. Since this information hasnt been forthcoming in the timeframe in the FCRA, these alleged accounts should be removed from my file in accordance with the law.

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 2019-11-27
Company: Experian Information Solutions Inc.
State: OH
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:
I have some major issues and major errors on my credit report that I need addressed immediately. My name is XXXX XXXX XXXX. My SS is XXXX. My DOB is XX/XX/XXXXPlease remove delete ANY OTHER name and SOCIAL SECURITY NUMBERS. the following addresses are not accurate please delete them : XXXX XXXX PL XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX PL # XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH 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 2023-08-22
Company: Bread Financial 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: Public record information inaccurate

Complaint:
COMENITYBANK/VICSECRMC did a hard inquiry on my consumer credit and in XX/XX/XXXX. Hard inquiries is only for 2 years they added 3 years for removal. This is causing financial issues for me with other business financial companies. They have been inaccurately reporting this on my credit report for over 8 months. This hard inquiry needs to be removed from my consumer report. 

Inquiry date : XX/XX/XXXX - Removal date XX/XX/XXXX COMENITYBANK/VICSECRMC Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX, OHXXXX-

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
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 status incorrect

Complaint:
I have paid off my car loan with XXXX XXXX XXXX. For a XXXX XXXXXXXX XXXX. I have the title in hand and they are still reporting the loan. 

Additionally, they are reporting the loan is 90 days past due. Aside from the prior derogatory reports they have failed to apply the military SCRA limits on the percentage of interest on the loan that I have paid off.

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 2021-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX and Several times prior to that. 

Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$19000.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$1800.00} Reason : Account is fraudulent Account Name : XXXX XXXX ( XXXX XXXX Account Number : XXXX AMOUNT : {$110.00} Reason : Account is fraudulent Account Name : XXXX XXXX  XXXX ( XXXX XXXXXXXX XXXX XXXX ) Account Number : XXXX AMOUNT : {$73.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX ) Account Number : XXXX AMOUNT : {$5000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Account Number : XXXX AMOUNT : {$700.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX AMOUNT : {$720.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX AMOUNT : {$880.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX ) Account Number : XXXX AMOUNT : {$420.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XXXX XX/XX/XXXX 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 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-16
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
There is a closed account from XXXX, Account # XXXX on my credit report that doesn't belong to me. This account was opened in XX/XX/2016. It has been disputed by all three credit bureas & XXXX/XXXX. It was resolved & deleted from my credit report but for some reason it keeps reappearing on my Equifax report with no explanation. I have disputed this again with no luck. I am demanding that Equifax abide by the FCRA & delete this account from my credit report. It is fraud & damaging to my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My checking account with Chase bank was hacked and 21 unauthorized ACH transfers were made in a 51 day period totaling almost {$10000.00} without the fraud department contacting me once even though fraud alerts settings are active on my account. Here are the dates and amounts : The transaction description showN on most shows : XXXX XXXX  XXXX XXXX XXXX XXXX WEB ID:XXXX. C XX/XX/XXXX : {$32.00} XX/XX/XXXX : {$78.00} XX/XX/XXXX : {$120.00} XX/XX/XXXX : {$900.00} XX/XX/XXXX : {$900.00} XX/XX/XXXX : {$4.00} XX/XX/XXXX : {$220.00} XX/XX/XXXX : {$320.00} XX/XX/XXXX : {$320.00} XX/XX/XXXX : {$320.00} XX/XX/XXXX : {$450.00} XX/XX/XXXX : {$450.00} XX/XX/XXXX : {$450.00} XX/XX/XXXX : {$450.00} XX/XX/XXXX : {$450.00} XX/XX/XXXX : {$450.00} XX/XX/XXXX : {$620.00} XX/XX/XXXX : {$620.00} XX/XX/XXXX : {$620.00} XX/XX/XXXX : {$620.00} XX/XX/XXXX {$900.00} PENDING : {$900.00} Total : {$10000.00} CHASE stated they will not cover the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Mercedes Benz Financial Services
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I extended credit to Mercedes Benz when I took interest in one of there cars 15 usc 1602 then they ask me for a XXXX down payment which is against the law 15 usc 1662 b and they told me I was denied for not having enough credit for the car which is also fraud 15 usc 1611 I also ask the the financial manager to get in touch with the underwriter and their lawyer but he wouldnt do it I also wrote XXXX the general manager and didnt nobody get in touch with me which is violating my right 4th or 5th amendments they also gave my information to other companies without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Sentry Credit, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt validation to the company and they never sent proof of account its been well over 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 2021-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Late XX/XX/2021 I moved to XXXX XXXX from XXXX Oregon, I have checking account with Bank of America. I needed to withdraw money from a local ATM couldn't from several weeks. I tried to get online with the bank could not do it. I have called several times to the Bank to no avail, several departments such as Customer Service, International Support, Fraud Desk, Cliente Care Executive Response Team no help whatsoever. I am a retiree who depends on Social Security pension my need is such that I need to pay locally rent, food, transportation besides medication and doctores for my relative that was the reason a came to XXXX to help a relative. It has been already 2 months and no help. I am about to send documentation where it shaws my name including social security number, US passport, US citizenship certificate, my birthcertificate, my drivers license from the state of Oregon, letter from the same bank indicating the date Social Security makes direct diposit. I have nobody to orient me for this case my only recourse was to get in touch with Congressman XXXX XXXX who was able to reach to Consumerfinance.gov. Thank you

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 2019-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
From : XXXX XXXX Email : XXXX Cell : XXXX To : Capital One XXXX XXXX XXXX XXXX, VA XXXX Fax : XXXX RE : Amendment Claim # XXXX Trace Claim # XXXX Ref # XXXX Recall Case # XXXX XX/XX/XXXX Dear Sir/madam ; I sent out a wire in the amount of USD XXXX   from my Capital One account on the XXXX of XX/XX/XXXX. My branch is located at XXXX XXXX in XXXX, VA. A copy of the wire is attached. The next day, on the XXXX  of XX/XX/XXXX I  requested an amendment as the account number for the recipient XXXX XXXX XXXX XXXX XXXX, that had been entered was incorrect. The correct account number for them was XXXX.

I received a letter from Capital One dated the XXXX  of XXXX that all should be good with the wire referencing my Claim # XXXX. A copy is attached.

The recipient XXXX XXXX XXXX whose correct account number XXXX  with XXXX XXXX in XXXX, XXXX has still not received the funds till date the XX/XX/XXXX. They have also initiated a trace from their side and have not heard anything yet from Capital One.

I initiated a trace ( Trace # XXXX  ) on the XXXX  of XX/XX/XXXX and have not heard anything back from Capital One. Today is the XXXX  of XXXX  and I have initiated a Recall on the funds from the XXXX  branch with the Claims Intake Department. I spoke to a lady by the name of XXXX  and her supervisor XXXX ( EID : XXXX  ) who told me that the processor will call me.

It has been more than 30 days since I initiated the wire. I request you to please treat this with the highest priority, escalate the matter and advise me when the funds will be returned to my account.

Appreciate your prompt response.

Sincerely ; XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: AMERICAN EXPRESS COMPANY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I was charged interest by AmEx on my purchases even though my balance was paid in full. They claim it was a technical error and happened to other customers as well. They say the charges will be reversed, however I have an automatic withdrawal from another account to pay this bill, which means they received payment for the bogus charge. How many other customers did they do that to? How much money do they make by keeping this money for a month before returning it? It was only  XXXX  cents for me, but if they do that to a million customers, that 's a nice monthly profit of {$30000.00}.   The charge was on  XXXX   XXXX ,   XXXX  , and I will apparently receive a reversal on  XXXX   XXXX ,   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I do my everyday banking with Bank of America. Back in XXXX, I set up an automatic monthly wire transfer to pay my rent of USD XXXX to my landlord. When I moved out in XX/XX/XXXX, I cancelled this automatic monthly wire transfer. On XX/XX/XXXX, I received a text message from this landlord informing me that they unexpectedly received USD XXXX from me. When I logged onto my Bank of America account, I confirmed the money was indeed withdrawn from my account. When I went to the page where one can set up automatic wire transfers, I found to my surprise that the monthly wire transfer I had cancelled was back ... as if I hadn't cancelled it. I know for a fact that I'd succeeded in cancelling it, because no money was was withdrawn in XXXX or XXXX. 

When I contacted Bank of America, they didn't help retrieve the money and they didn't even acknowledge their systems had malfunctioned. They simply instructed me cancel the automatic wire transfer again and to coordinate with the recipient to recover the money. I'm now paranoid that this will happen again. 

My hunch is that they reverted their systems to a back up they had, and in that back up, my wire transfer had not been cancelled yet...

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 2021-07-06
Company: EQUIFAX, INC.
State: CA
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:
XXXX, Equifax and XXXX  are reporting 8 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX  and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation