BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
During the pandemic someone used my name and applied and got {$14000.00}. I have tried to recover these funds from Bank of America, but they keep on either denying my claims, or they reward the claim and mail out a card to the same fraudulent address with the funds on the card. I notified Bank of America, XX/XX/2020, that I didn't authorize any one to use my name to apply for benefits that the card should be stopped and marked as fraud and they assured me that this was done. I then found out that on XX/XX/2020, another card was sent out to the same fraudulent address with another {$11000.00} on it which was used up by the time Bank of America realized that it was fraudulently being use they withdrew the funds, overdrawing the account. i have been fighting this since XX/XX/2020. I had filed a police report and I have filed Identity theft and I have provided Bank of America with very thing needed to repay me these funds that are due to me. and i still haven't recovered anything I have NEVER RECEIVED A CARD. and I have provided EDD and Bank of America with my current address. EDD when i did apply for my own benefits was sending me checks to my mailing address so they have it. but they informed, me that to recover those funds needs to come from Bank of America because the fraud happened with them.

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 2017-06-07
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: Account status incorrect

Complaint:
I have  XXXX  derogatory account claims on my Transunion,  XXXX , and   XXXX   credit report accounts from  XXXX   XXXX  Bank. After carefully reviewing this information I realized that these  XXXX   XXXX   XXXX  Bank credit card accounts were re-aged from late  XXXX  to early  XXXX  and should have already been removed from my credit reports based  on Federal and State of Florida Statute Of Limitations. I have reached out to all 3 credit bureaus  and filed disputes and have asked  XXXX   XXXX  Bank as well to show me proof of the accounts and detailed information or to have these removed from my reports. None of the companies have provided me with the complete information that I have requested. My requests has been denied by all  XXXX  reporting agencies and  XXXX   XXXX  Bank has only provided me with the letters attached and also have changed and updated the claims to " disputed '' on my reports. All  XXXX  reporting agencies have pretty much told me the same exact thing, there is nothing they can do and the creditor will need to update the status and/or remove the derogatory claims. I am attaching all of the documents I have sent to  XXXX   XXXX  Bank via  USPS ce rtified mail with stamped receipts and proof of signatures and the responses I received from  XXXX   XXXX  Bank for each letter. The document labeled as  XXXX  is the first letter I sent with documentation and the response letters I received from them. The document labeled as  XXXX  is the second letter I sent with documentation and the response letters I received from them. All of these attached documents are labeled and dated with notes as well as my personal information.

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 2018-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I see multiple duplicate inquiries on my credit report, Transunion will not advise on how to fix the problem. Please remove the multiple credit inquiries on the same days XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. Thank you, and again, this is Transunion issue

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 2021-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I was targeted by an auto loan lender XXXXXXXX XXXX with predatory lending ( Extremely high interest rates for people with less than perfect credit that live in impoverished and low income neighborhoods ).

The auto loan account was promised to be removed from my account and forgiven after 2 plus years of ownership, but this has not been done as of yet ... even after multiple attempts to reach XXXX. I also tried contacting the lender through the credit reporting agencies, but my claims were not addressed directly. I received generic respnses that did not specifically address my complaint. Moreover, XXXXXXXX XXXX was sued and lost the case for this same reason ( predatory lending ). All of the documents pertaining to this settlement/lawsuit was in fact mailed to the 3 credit bureaus with certified mail. I will 100 % admit that I was actually happy to get the financing initially bc I was badly in need of a car for work, and the payments seemed mangeable to me at the time. In any event, soon after i feel behind on the payments and realized after speaking to other people that I was being charged over 10 times what the majority of other people in the US pay on auto loan interest. And, my rate is close to 30 % annually. This account is destroying my credit and ultimately my life experience. NOT TO MENTION THAT THE CAR WAS A LEMON. HAVENT BEEN ABLE TO DRIVE IT IN OVER A YEAR. Please help. 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 2022-04-06
Company: EQUIFAX, INC.
State: FL
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:
Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before I take legal action. The law you are violating is clearly here. The civil liability law which I will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
After I file a complaint regarding Carrington Mortgage 's deceptive act to CFPB. Carrington Mortgage summoned a Court Order to me on XX/XX/XXXX, to foreclose on my Home. The actual Court Order is dated 2 months before the enforcement actions ordered on XXXX  on XX/XX/XXXX. Subsequently, my wife is leaving the property in fear of being homeless. Is that a legal Enforcement Action?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I wrote the company XX/XX/2022 stating the XXXX XXXX account is incorrect I was never late on that account. I asked them if they cant verify the late payment remove them.

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 2021-06-10
Company: EQUIFAX, INC.
State: NV
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:
I have never done buisness with companies such as XXXX Equifax, XXXX, ECT. Not have I ever given them my social security number, yet they all hold records in their vulnerable insecure systems linking my name to my social security number. I never gave any one of these companies notice of my social security number, or the permission to store, share, sell, report on, ect. the fact that they not only store this information, but readily offer it to countless others, solely in the name of profit, constitutes identity theft. I demand, diplomatically for now, that they each cease and desist these practices immediately as it pertains to my sensitive personal private information. Please make no mistake, this is not a request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I set up an interbank transfer of XXXX from my Citi account to my XXXX account on XX/XX/2023 and successfully cancelled the transfer on XX/XX/2023. However, Citi has been holding up the funds as an ACH Debit Pending ever since. I called Citi and the representative was not sure when the funds will be added back to my account. 

Transfer Reference Number : 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 2023-01-11
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I XXXX XXXX XXXX XXXX HAVE CONTACTED EQUIFAX INC. CONSUMER INFORMATION AND HAVE DISPUTED THE SAME INQUIRIES FOR AN ENTIRE YEAR WITH NO RESULTS. 
I HAVE SENT DOCUMENTS THAT EQUIFAX INC. HAS INSTRUCTED ME TO SUBMIT OVER AND OVER AGAIN REVISING THE DOCUMENTS EVERY TIME.

I HAVE INFORMED EQUIFAX INC. 'S XXXX DEPARTMENT AND SPOKE TO AT LEAST 50 CONSUMER ASSISTANTS AT EQUIFAX INC. CONCERNING MY EQUIFAX INC. CONSUMER CREDIT REPORT INFORMING THEM THAT I AM A VICTIM OF THESE CREDIT INQUIRIES. SO NOW I AM TURNING TO THE LAW THAT IS ALLOWED BY THE ( FCRA ) AS WELL AS THE ( CFPB ). 
THE FRAUDULENT INQUIRIES ARE XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
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: Information belongs to someone else

Complaint:
I was doing my bi-weekly check in on my consumer report and i discovered inquiries fraudulently tainting my report. Im devastated please remove these 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 2019-12-05
Company: EQUIFAX, INC.
State: OK
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 am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-05
Company: Commonwealth Financial Systems, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As I explained to the lady on the phone this debt is not mine nor is it owed. I also call XXXX and they stated they should have been able to give me the previous debt collectors information which they did not provide to me to try and resolve the issue. They also reported it as derogatory account which has not happened to me before which just ruined my credit over an account that I do not owe! I have explained this in 2015 that this is not my debt. This is absolutely ridiculous and needs to be removed immediately. And I need resources now to take further action against this fraudulent claim that I should not have to be contesting five years later. This is absolutely ridiculous. As I've already stated in the past this debt was already paid as far as I'm aware but regardless of that fact, it is not my debt in the first place and should not reflect me or my credit that I have built up since graduating whatsoever. I am absolutely livid over the disgusting oversight of details that have been added and updated to this account over five years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received a statement from  Chase Amazon  which was Due  XXXX   XXXX ,   XXXX  . I showed the balance as  XXXX . I set up payment in the amount of  XXXX  and paid it on the  XXXX . When I received my statement there was a  XXXX  interest charge. On  XXXX   XXXX ,   XXXX   called them because you should not show an amount due and then have the customer pay it, then charge them interest on it. Ironically the same thing happened with  XXXX  and they ate the charges. Since I could not come to an agreement I closed the account. To make it even better I called on  XXXX   XXXX ,   XXXX   and discovered that had already added another  XXXX  in interest since the last statement I paid off.  <P/> I asked to immediately pay off the amount due an was given an estimate and the agent could not guarantee the amount. On  XXXX   XXXX , I paid {$420.00} and will wait to see my closing statement. I will refuse to do business with any Chase company again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Experian Information Solutions 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:
On XX/XX/XXXX I disputed a loan that is still showing on my credit. The loan has been satisfied since XX/XX/XXXX. The vehicle has since been sold and registered to someone new. 

The loan amount still showing as of XX/XX/XXXX is {$4800.00}. Last payment shows as of XX/XX/XXXX. Account shows as pays as agreed I have disputed the loan as being incorrectly reported. I reported to the 3 credit bureaus and to the company the loan was from. All of this took place in XX/XX/XXXX. To date it has not been updated or removed and is preventing me from obtaining a mortgage. I have also requested my attorney contact as well but no progress has been made.

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 2019-12-05
Company: EQUIFAX, INC.
State: MI
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 been battling to dispute these accounts for about 5 years. It doesn't make any sense to even continue when the companies. XXXX XXXX are some of the means people in the world right beside XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. You can talk nice to them all day still don't mean anything. They will cuss you out with out a doubt or just be rude to you. All customers must get treated with respect. 

These are not my accounts and I want all 7 of these accounts deleted immediately and permanently : XXXX XXXX XXXX, - Charge offs - Closed Account - Please Delete Permanently. 

XXXX/XXXX, Charge offs - Closed Account - Please Delete Permanently. 

XXXX XXXX, Charge offs - Closed Account Please Delete Permanently. 

XXXX XXXX XXXX, Charge offs - Closed Account - Please Delete Permanently. 

XXXX XXXX XXXX XXXX, Charge offs - Closed Account - Please Delete Permanently. 

XXXX XXXX, Charge offs - Closed Account - Please Delete Permanently. 

XXXX XXXX XXXX, Charge offs - Closed Account Please Delete Permanently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid my Chase credit card bill that was due XXXX/XXXX/17 on XXXX/XXXX/17 at XXXX and was subsequently charged a {$25.00} late fee, because Chase has a XXXX payment cutoff for online payments. The company also charged me a {$23.00} financing charge for interest. This is not the first time I 've been charged this fee as I 've had two fees waived before where I made a payment on the due date but after the cut off time. The most recent time the Chase employee I spoke with told me if I paid over the phone after XXXX I would not be charged a late fee. I attempted to pay by phone on XXXX/XXXX/17 to avoid the fee, but needed my full 16 digit card number to get through to anyone. I did n't have my credit card on me and I spent probably ten minutes going through different options trying to find one that allowed me to speak to a real human, but every time it wanted my card number. Therefore I paid it online and figured they would refund me given my attempt at phone payment. They did not. While {$25.00} is not a huge amount, this is a predatory practice these lenders use to pad their returns ( I know, I am a XXXX XXXX and speak with their management teams frequently ). Chase claims it says on my statement there is a XXXX EST deadline, which it does, but it 's in the fine print in the middle of the bill and no where near the portion where it tells you the amount and the due date. Given the small fee I wonder how many people this happens to that either overlook it, are too lazy to call them, or have the same experience as me. Point blank, if they have a cut off time of XXXX EST then that 's my due date and that 's what should be displayed as my due date, not just a generic date ( i.e. XXXX XXXX, 2017 ). Interestingly, Chase does n't even have the capability to issue a refund for this beyond the second instance, which I know because I spoke with a supervisor to attempt to get my fee waived who said there is " no way to override the system. '' This says to me senior management purposely programmed their system to take advantage of people who pay on their due date but past some arbitrary time deadline and are banking on the fact its a small fee that probably wo n't drive the customer away. Please change this practice. Chase is the only company I 've had experience with that has a time deadline rather than a day deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
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:
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: EQUIFAX, INC.
State: MO
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 submitted multiple disputes by mail, phone and via the Equifax website. I have received at least 6 responses which are attached saying these invalid addresses have been deleted from my credit report but they have never been which is in violation of the fair credit reporting act. When I called i was told they must have been reported again but since theyre invalid addresses they shouldnt be reported by anyone and since its on there immediately as the results were received obviously they were never deleted. The addresses to remove are XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX. The following are the most recent confirmation numbers of results stating they have been deleted but still appear : XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019

Company response to consumer: Closed with explanation