BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-08
Company: EQUIFAX, INC.
State: TN
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:
Account Name : XXXX Account Ending in XXXX Balance : {$0.00} Date open : XX/XX/XXXX This is a formal complaint against Equifax, XXXX, and XXXX. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 

I have disputed this account since the last year of XXXX and I keep getting the same response from the creditors and credit bureaus telling me that the reporting of this account is accurate. Well I say that their claim is disputed and denied, I received a letter from the creditor stating the exact date that this account was opened and it was on XX/XX/XXXX. However, it is reporting inconsistently in XXXX and Equifax, it reporting XX/XX/XXXX, in these two bureaus. I have attached the letter from the creditor for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: DOAN SOLUTIONS
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
A scam company, XXXX XXXX XXXX XXXX, is calling those with existing loans and claiming they have a special deal for a limited time that only a select few have been chosen for. The number provided is a dead end # XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 just recently reviewed my credit report for the first time and notice a bunch of unauthorized Hard Inquiries. I did not authorize these XXXX Inquiries nor do I know how they are on my credit report. I have filed a indentity theft on identitytheftgov and I have attached it to this complaint and i'm requesting that these XXXX Inquiries be removed from my credit report expeditiously.

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 2021-05-11
Company: AmerAssist A/R 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:
When I reviewed my credit report I have found items that I have never applied for a credit nor any communication with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
State: GA
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. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting Act XXXX Account XXXX has Violated My Rights Account Name XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent letters to Transunion and XXXX on XX/XX/2022 regarding unauthorized inquiries and they have not removed them. TransUnion disregarded my letters because they thought a third party was sending letters out when it was me who wrote and sent my letters out. XXXX removed a few inquiries but did not remove all of 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 2023-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I HAVE BEEN A LOYAL CUSTOMER WITH BANK OF AMERICA SINCE I HAD A OPEN ACCOUNT THOUGH MY ACCOUNT DURING CERTAIN TIMES HAD BEEN HACKED STILL NO COMPLAINTS ALL OF SUDDEN I GETS A LETTER IN MAIL STATING MY ACCOUNT HAVE BEEN CLOSED WITHOUT ANY EXPLANATION SO I IMMEDIATELY NOTIFIED MY HR PAYROLL NOT TO SEND MY CHECK TO MY ACCOUNT BUT WAS TO LATE THEY INFORMED ME HR TO CONTACT BANK OF AMERICA WHICH I DID I WAS TOLD THE ACCOUNT WAS CLOSED AND IT WOULD DO NOTHING BUT REJECT MY DEPOSITS SO I INFORMED THE HR WHAT I HEARD SO HR AND MYSELF WAITED FOR XXXX MAYBE XXXX  DAYS STILL NOTHING AFTERWARDS I LEARNED FROM HR MY DEPOSIT FUNDS WAS STILL IN THEACCOUNTI IMMEDIATELYCONTACTED BANKOFAMERICAA SECONDEMPLOYEETOLD ME MYACCOUNTWAS CLOSED BUT OPENON THEIR END STILL.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE CAPITAL ONE AUTO FINAN Balance details Paid off - Balance - Balance updated - Original balance {$15000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed/Never late. 
Status updated XX/XX/XXXX Original balance {$15000.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Joint Terms 73 Months Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
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: Personal information incorrect

Complaint:
I sent a letter XX/XX/XXXX the 2022 to remove personal information that I don't want on my credit report. According to FCRA 15 USC 1681. I have the right to privacy.Also according to 15 USC 6802 No financial institution is supposed to share my information to third party people. These are in clear violations of my federally protected consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Foris DAX, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2022 and XX/XX/2022, I have been a victim of a multi- layered scam operation run by a professional scammer, which involved me making deposits for a total amount of XXXX XXXX and XXXX XXXX ( XXXX USD ) from my Crypto.com account to fraudulent investment firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted by telephone today by someone who told me that I owe Walmart the sum of {$4000.00} for unpaid credit card bills. I have not ever had a Walmart credit card I was told to call XXXX XXXX XXXX and to give them the case number of XXXX. When I called the number they told me that I did owe Walmart {$4000.00} and I would have to pay it or tell the judge that I didnt have a Walmart credit card..AGAIN I HAVE NEVER EVER HAD A WALMART CREDIT CARD Regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I tried to transfer money from my Citi savings to my external account at XXXX on XX/XX/XXXX. The XXXX account has been on file for years and was the account I originally funded the citi account with. 

I had massive problems logging into Citi 's platform when trying to do this. Couldn't log in on my phone, XXXX, desktop, or laptop. Had to reset password a few times and get security codes. I'm assuming this looked like fraud, but it was me just trying to access my funds. Citi put a hold on my account and I called them. They gave me a total runaround on the phone, saying " someone will look into this and call you back ''. Nobody called me back. I tried to log in today XX/XX/XXXX and now I'm locked out and someone on the phone said my account has been closed and I'll get my money in XXXX days! Unacceptable. That's my money. Nobody will tell me anything. If they want to close the relationship, that's fine. But you don't get to keep the money for XXXX days. Also, nobody would tell me what the status of my credit card account with Citi was. It's just super shady. 

Please help me understand what is going on and help me get MY money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with renewal

Complaint:
XX/XX/2021 BMO Harris Bank has CD policy that auto-renews the term without providing notice to the customer. The funds are then locked in for another year automatically.

When asked about this they say there is a 10day grace period from the day the CD matures to withdraw your funds without a penalty.

This is essentially restricting access to your funds - without your consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: EQUIFAX, INC.
State: CO
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:
To Whom It May Concern : This letter is in response to your recent claim that [ insert name of creditor, collection agency, or court ] verified the account they are reporting is accurate.

Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or XXXX verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

The item in question is inaccurate and represents a very serious reporting error. 

I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. 

Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. 

XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 at XXXX I made a cash deposit of {$4300.00} into a Chase ATM. The machine then later displays a message on their screen saying To be sure your deposit went through please call us at XXXX. Well print this number on your receipt. I called that number and was told that their claims department was closed to call back in the morning which I did. Chase filed the claim and then a few days later comes back and says they couldnt locate the funds. A week later I contacted their XXXX office and spoke with a Person named XXXX XXXXXXXX XXXX XXXX and she later said they only found {$2700.00} and they credit my account for it. In addition chase will be closing my account. As of today, XX/XX/2023 chase is saying to me that they never found the funds so therefore they can not issue a credit. They have been going back and forth changing their stories and I just need my money back. They decided to close down my account after I filed the claim with all proof. They have videos and cameras at the atm and sensors they know I deposited my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XXXX I noticed several ATM transactions that were unauthorized from a checking account with chase. The money was taken from my savings account without my permission, even though the XXXX accounts were not connected in any way, to cover the ATM transactions. I filed a claim, but Chase refuses to protect my money and acknowledge their mistake. When I call to speak with the claims department, I am told that because the card with the chip was used with the pin that I must have authorized it they never acknowledge their error in transferring funds from my savings account without ever giving permission to do so in the first place, as well as the transactions, not being authorized transactions. They refuse to look into to it any further and say they apologize but there is nothing they can do and that I am out {$5000.00}. I have tried for XXXX months to reimbursed for their bank error and no one will help. I seems as though my bank has left me vulnerable and is now blaming me for their mistake refusing to replace the money they allowed to be stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: HYUNDAI CAPITAL AMERICA
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 information incorrect

Complaint:
on XX/XX/2021 I discovered inaccuracies on my report and decided to send a dispute letter to address the issues. There is different open dates reported and multiple other inaccuracies. Hyundai Capital America has multiple complaints on XXXX  for credit reporting and has over 550 complaints on CFPB for credit reporting issues!

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 2019-09-23
Company: Cawley & Bergmann, LLP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Two previous complaint had been filed against XXXX, XXXX which had issues a credit card without consent or authorization. XXXX XXXX ; XXXX had illegally obtained credit file of a US Citizen without the consent of sending credit information out of the United States. 
Said bank had issued a credit card with different terms of credit and duplicated most of the charges of the FULLY PAID XXXX CREDIT CARD WHICH WAS ISSUED IN THE UNITED STATED UNDER A DIFFERENT CREDIT TERMS AND NUMBER!!! It is an identity fraud as well as lending fraud which has been previously complained about and seemingly resolved, as MYSELF provided the credit reporting agency, XXXX, the documentation of the US credit card, check of full payment of balance of the same card, carrying a different number what the XXXX, XXXX card has shown. My credit files were frozen for a period of SIX MONTHS. Now another agency, Cawley & Bergman LLC of XXXX, XXXX XXXX has taken this account and trying to collect a fraudulantly issues credit card balance and charges which had been paid on a different US account. 
I respectfully request to check license number of this crook organization and demand a fine of {$5000.00} as the case had already been resolved or currently waiting the proper fine from the Comptroller of Currency!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
We refinanced with Chase in XX/XX/2022. The loan is mortgage only. We pay for insurance and taxes directly. In XX/XX/2022, In XXXX, I noticed that my mortgage payment would be put into Unapplied Funds and taken out and that a late fee was attached and removed. Thinking this is odd, I called Chase and learned they imposed this escrow representing homeowners insurance because they thought I didn't have it. I sent them a copy right away for XXXX ( you can tell the save doc on the attachedpdf ). the next time I check my paperless statement, the escrow is still there. So I call again to learn they needed the policy year prior, XXXX. Again I provide it to them right away. While I provided the documentation, they do not remove the escrow account which is causing my payments to be treated as late because they are not receiving the full amount due in their eyes. How they handled the payment I sent was to deposit it into an " unapplied funds '' account. 
I called them a lot and got a different person every time. Each one would say " Well you owe the escrow '' and I would explain the situation, be put on hold for a long time, and get the same answer that it would be fixed. Finally, one person around midXXXX got the escrow removed. For some reason, the company then sent me the amount of {$110.00} representing one month 's escrow for the homeowners ' policy they instituted that was never needed. Again in calling, I learned I had to pay them back for this in order for the XXXX payment to process on time. While I thought I had this wrapped up once and for all, they reported XXXX as late and imposed a late fee. I have tried vigorously to get someone to change the status on my credit report but to no avail. I believe that calling them is a waste of time and an invitation to further stress and aggravation. I NEED HELP. My credit has been negatively impacted and the timing is horrible because I need to buy a new car but can not because my credit is in " Fair '' status when normally it is XXXX and above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Account was opened on or about XX/XX/XXXX. Under the promotion I was supposed to receive {$100.00} by XX/XX/XXXX. The {$100.00} was never credited to my account despite meeting the promotional terms.

Company response to consumer: Closed with explanation