BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-27
Company: Experian Information Solutions Inc.
State: WA
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 of XXXX XXXX XXXX XXXX XXXX  refuses to correct and delete the inaccurate information. they show I owe COLLECTIONS {$730.00} total for months of XXXX throughXX/XX/XXXX for when a final order was signed by a judge to stop and deceased startingXX/XX/XXXX. I have submitted the final order on several occasions along with my attorney to state of XXXX XXXX XXXX XXXX, As ofXX/XX/XXXX they still show on my credit reports. I have know asked to have this account completely removed all 3 credit reporting agencies due to many times I have disputed this over 8 month period and they financial and emotional hardship I have due to fact this has denied me loans to pay off my attorney for a custody battle in Missouri state.

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 2019-11-03
Company: EQUIFAX, INC.
State: VA
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 writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have been trying to contact Bank of America for some time to discontinue billing me for debts that were not mine or incurred by hardships. The Bank of America moved into location on XXXX  XXXX. My neighbor was foreclosed on by Bank of America. Some of her debts were carried over into my accounts. My account with Bank of America was to have been closed in XXXX. I tried to contact the bank about a nursing home/hospital error my grandmother had incurred. She XXXX away in XXXX. Faulty banking practices contributed to the error. Since this time, I was also robbed at a XXXX. Thus, the Bank of America accounts stayed in my credit record. I would ask that the Bank of America immediately remove any debts from under my name in the credit record and notify all three credit bureaus that any debts were being removed and cleared from my name. 
It would be great to receive {$500.00} at least in damages from the Bank of America as they caused suffering to my grandmother and family ; had fraudlent accounts under my name.

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 2022-07-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX at XXXX am I called chase debit card services about XXXX transactions XXXX, XXXX, and XXXX that were made on XX/XX/2022. I froze my debit card and reported it to the debit card company. The fruad dept was not open so i had to wait until the morning to called on XXXX XXXXThese transactions were made unlawfully, police report was made and the man was impersonating an officer from XXXX XXXX Police Dept . A police report was filed with XXXX XXXX police dept in XXXX California. Chase wasn't able help even though this was fraudulent activity. My girlfriend 's bank ( XXXX ) was able to handle the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/XXXX Hello, I have a Citi XXXX XXXX Advantage Executive mastercard, primary purpose is for travel benefits that include : Access to XXXX  & affiliated lounges in airports, free access for spouse/business partner to XXXX  & affiliated lounges, 1 free bag checked, international purchase preferred exchange rates & fees waived. 

I'm a 7 year customer, excellent credit and paid {$450.00} annual fee for this card in XX/XX/XXXX. 

Given the impacts of Covid starting in XXXX/XX/XX/XXXX - I'm not receiving any of the above benefits I paid {$450.00} for on this mastercard. XXXX  lounges have been closed which is the primary benefit of this card, airlines have reduced flight options, corporate travel has been locked down and personal travel is not recommended or very possible especially internationally given Covid. 

XX/XX/XXXX I called and requested Citi refund or prorate refund the {$450.00} fee I paid as they acknowledged on the call the benefits of the card are unavailable due to Covid. They refused only offering to provide a {$220.00} refund ON THE NEXT {$450.00} I would pay in XX/XX/XXXX. This is ridiculous, I paid a {$450.00} for benefits they are not providing and my fee should be refunded for the current card renewal term that I'm not receiving those benefits I paid for. I advised I would speak to my wife, but that this felt very unfair and improper as a business practice and that we may choose to cancel the card. 

XX/XX/XXXX this past Friday I called again escalating the issue and ultimately they said nothing more could be done and only offered the same option to provide a credit next year AFTER I paid an additional {$450.00} fee to renew the card again for XX/XX/XXXX-XX/XX/XXXX. I cancelled the card advising them we would not chose to ever do business with Citi again given how they are handling this matter. 

This is unacceptable in my mind, unfair and frankly a dubious business practice to not make an adjustment for the the {$450.00} I paid for benefits Im not receiving XXXX. 

Please help.I would expect a {$450.00} refund of the annual fee I paid given I'm not receiving any of the key benefits this " travel master card '' advertises or promotes due to Covid and XXXX XXXX which is out of my control. Thank you, 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 2022-07-19
Company: Experian Information Solutions Inc.
State: RI
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 XXXX Account # XXXX, has violated my rights. After review, this account does not belong to me. I was only an employee for this business and was not an owner or managing member of the organization involved with this account. This information was incorrectly added 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 2019-11-03
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: Personal information incorrect

Complaint:
The items below were taken from my Experian personal information page of their website. The phone number is no longer valid for me I no longer live on XXXX, I have lived at my current address for over 20 years. I have attempted to call Experian and get this corrected but after trying 5 or 6 different phone numbers was unable to get ahold of a human being on the phone all computer that led back to the same messages. My complaint is no access to a customer service rep. and no way that I found to get to one. 

" Also known as XXXX  XXXX Generation identifier N/A Year of birth XXXX Address XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX Employer ( s )  RETIRED XXXX XXXX Personal statements ( s ) 27 &  XX/XX/XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT [ XXXX ]. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING 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 non-monetary relief
Consumer complaint received 2022-07-19
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Opened an Ally Account on XX/XX/XXXX. They initially blocked access to my account on XX/XX/XXXX - when calling them about the issue they asked invasive questions like " Why did you open this account? '' and told me that they restricted access because no money was deposited. I deposited a echeck on XX/XX/XXXX, which was subsequently cleared by the check issuer. I also wire transferred {$100000.00} in savings from my current bank to Ally on XX/XX/XXXX. On XX/XX/XXXX Ally let me know that the echeck funds would be available on the XXXX. I received a second notice that access to my account is restricted. I called them every day that week, and was told that I should be able to received access within XXXX business days, since it is standard procedure for the bank to restrict access at the first check deposit. I received very nasty comments from the loss prevention line with an accusatory tone from the supervisor, and was told that these is nothing I can do to expedite or learn more about my account restriction until the Fraud department contacts me. This is completely unfair and I've been in the dark about my savings. After XXXX business days I called again and received the same treatment. I was told that this process might not take longer than one month, but there are no guarantees, and no way to speak to a supervisor, Fraud department, or anyone that can either tell me more information or grant access to my account. The only way to learn anything is to call, and each call has led to the same stone wall. This is extremely poor business practice, and I am completely unable to make transactions from this bank ( it has now been XXXX weeks ) and they have the vast majority of my net worth. I requested of a copy of all verbal and electronic correspondence they have not granted it.

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 2017-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am filling this complaint because Transunion has ignored my request to provide me with the documents that their company has on file the was used to verify the BK I disputed and 3 other accounts, being that they have now gone past the 30 days and can not verify this information on my credit report, I understand under Section 611 ( 5 ) ( A ) of the FCRA, they are required by law to provide me with documentation of this information or they must delete all information promptly. They have not sent me proof of how this BK, XXXX/XXXX, XXXX and XXXX XXXX XXXX XXXX was verified that I have disputed many times. I contacted the court to get the information they said they have and could not be obtained. Please help me resolve this matter as soon as possible. As you can see on my current credit report, there is no such date. The information is false and must be removed. 

Transunion 1. Bankrutcy Case Number XXXX 2. XXXX Account Number XXXX 3.  XXXX Account Number XXXX 4. XXXX XXXX XXXX Account 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 2019-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
ON XXXX XXXX I REQUEST TO 3 CREDIT BUREAU investigation regarding inaccurate/erroneous, On XXXX XXXX agency sent a letter stating that you had completed your investigation and the items were not deleted, This concerns me as I do not understand how they arrived at this conclusion since this information is indeed incorrect, This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by their agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on XX/XX/2019 AND XX/XX/2019. 
I ask the credit bureau for their investigation of my dispute. I tell them reply within 15 days or delete the negative items, as originally requested. on XX/XX/2019 I send them a letter very similar and I just received 1 responds by Transunion, ( see Copy ) and no responds by XXXX and XXXX, I have evidence by court they don't report any information to credit bureau, I request an investigation on this matter or I will have to take legal process on this situation against the credit bureaus. Thanks 1. Bankruptcy # XXXX 2. Bankruptcy # XXXX 3. CREDIT CARD CHARGEOFF # 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 2021-06-05
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I filed a dispute on XX/XX/21 well over 45 days and no investigation results have been provided,.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: U.S. BANCORP
State: OH
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:
I had services performed at XXXX XXXX on XX/XX/XXXX. My bill was XXXX. I attempted to charge my debit card from US Bank but the cashier said the transaction kept coming up as canceled. I then had them use my XXXX card and it went through. A couple of days later I show the XXXX transaction on my US Bank debit card. I called XXXX XXXX and they told me I had to call my bank because they were only paid once. I contacted US Bank and they told me I had to dispute the transaction. I sent US Bank the receipt showing the services was charged to my XXXX. I received a letter from US Bank saying my dispute was denied saying services was provided. I did not dispute services was not provided my dispute was I was charged twice, once on my XXXX which I provided them the receipt and once on my US Bank card which XXXX XXXX said didnt go through. I have tried to contact US Bank dispute department and I keep getting the run around and unable to speak to someone from that department.

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 2022-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XXXX XX/XX/XXXX I contacted Bank of America about a fraudulent account that was created in my name. They indicated that they would close the account. Three weeks later I received a statement indicating that the account was not closed. I called them and was forward to the fraud department four times. The first two times I was hung up on. The second two times I waited for over 45 minutes with no response.

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 2017-09-01
Company: JPMORGAN CHASE & CO.
State: VA
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:
I was subjected to deceptive trade practices. I explained the situation in great detail and submitted evidence that the company was not following industry standards. 

Chase treated my inquiry as a billing error instead of deceptive trade practices prohibited by Virginia state law and proceeded to resolve the issue with the deception ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Valentine and Kebartas, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
It is absolutely ridiculous that I am being harassed by this company. I was called on XX/XX/XXXX and would not even be given any information about why I was getting this call. The only thing they would tell me was that I was put down as a number for my mother. When I took down the contact information of who had called and told my mother, she informed me that it was a collection call, that I had, in fact, been put down as a character reference and not someone to contact, and that they were not allowed to be contacting for such a matter. My mother then filed a complaint due to the contact that this company had with me. I just got another call again today ( XX/XX/XXXX - less than three weeks later!! ) from this company, and when I told the woman that I was not to be called, I was treated quite curtly and frankly, rudely. I do not understand why this company thinks that they can harass family members MULTIPLE times, particularly when the law prohibits this. Saying " this is not a collection harassment call '' does not make it something other than exactly that. This company needs to be held responsible for its actions and treat its customers and family members with more respect than it currently does. I am thoroughly angry with the encounters I have had with this collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Media Collections, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi my name is XXXX XXXX I'm the owner of the XXXX XXXX company XXXX XXXX XXXX XXXX. 

In XXXX of 2021 we have contracted ability network to provide us with a billing software to bill Medicare patients that we provide durable medical equipment to. 

Unfortunately, they were not able to provide us any adequate training. for example, normally when you buy a software the software provider would give you several training sessions, more or less, based on how complicated the software is, then as you start using the software, they are available at least for the first few weeks to guide you and answer any questions that come up, as they always do. 

In this case however, as soon as we signed up they began billing, without providing any training. 

We had to run after them to provide us with some training, finally they scheduled a training day in a couple of days out, in the mean time we were not able to use or even play around with the software to figure it out because we had not been given any log in or anything to even see the billing software. 

Finally we got around to the training date and we got to speak with someone, she told us a whole list of things that we would need to obtain from Medicare so we can start billing, the things we needed were mostly things we have never heard of with very unfamiliar names and terms, we started trying to get them, in the process many questions came up and whenever we needed clarification even on minor things we would have to schedule an appointment for a few days out to discuss, all the while we are continued to be billed. 

despite all of that we continued try 'an make it work, we scheduled, waited, asked, and then scheduled again waited again and asked again. remember, we are still not able to do anything with the software, let alone bill, which that is the entire purpose of the software. 

Finally we thought we got everything they told us we need, we sent it over to them, eventually they came back and told us that the packet we received from Medicare is for the incorrect region, when we asked them which one is the correct region the answer was that they don't know and we should find out our selves. 

At that point we were already tired of this, so I sent them an email asking them to stop billing us, since they are not able to provide effective training and we have so far never used the software, something which they do not deny. 

A little after that email we began receiving emails from them about more training, but we were already tired of this unheard of process, but the bills kept coming. 

Now we received a collection letter of {$1400.00} for something we were never able to use, this is completely outrages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-01
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I purchased a car for about {$14000.00} almost 4 years ago.I gave XXXX down payment and I 've made my payments of {$380.00} each month, sometimes more and three years later my balance is still {$14000.00}. When I try to ask questions I can barely understand them and they said it is because I made a few late payments. I need file a suit against them. Does anyone know what steps I can take against them. Is what they are doing legal?

Company response to consumer: Closed with explanation