BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I applied for a job online and was asked to give my debit card number and pin for payroll. I complied ( which was a huge mistake ) the next day ( XXXX XXXX 2016 ) I noticed all kinds of charges coming out of my account and I also noticed that XXXX fraudulent checks were cashed. I immediately contacted the bank and had them filed a complaint and opened a claim with both the debit and check fraud departments. Instead of the bank cancelling my card, they canceled my mother 's card instead. My mother had to call the bank back and ask for my card to be canceled. She had to get a new debit card as a result of their error. On XX/XX/XXXX I called for a status of my claims and the bank representative supposedly put a freeze on my account, but then allowed the fraudulent checks to hit my account on both XX/XX/XXXX and XX/XX/XXXX. This was after I had spoken to them on the phone. I filed a police report on XXXX/XXXX/16, and gave the bank a copy of the police report. I have been working with the police to catch this person and have done everything the bank has asked of me. My claims were denied because the bank said that when they reviewed the surveillance footage at the ATM 's that XXXX people were shown using a card. Which proves fraud occurred because I was not in any of the videos. My guess is that they used the information to make a duplicate card. The bank never contacted the police department to obtain any information from them. When I called I was treated like a criminal. Why would I hand over all of the information that I have over to the police if I did something wrong? Here are my claim numbers : XXXX, XXXX, and XXXX. I have been calling about this issue every day since XXXX/XXXX/16 and it has not been rectified. I am a college student and was only trying to find a job to help my parents pay my tuition.

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 2022-04-19
Company: Experian Information Solutions Inc.
State: PA
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 received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. 
I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. 
Please investigate the following accounts and remove them if anything is missing or not correct on them. 


Paid Account/Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area.

Thank you for your time and help in this matter.

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 2015-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Payoff process

Complaint:
This issue is related to Kohl 's Department Store Charge Payment # XXXX. I made payment of {$150.00} on XXXX/XXXX/2015. My checking account was debited twice for this amount for a total of {$300.00}. When I called the company to reverse the additional payment they said that they would issue a check in 90 days for that amount. Now I do not have access to my money for 90 days and they have no intention of paying interest on the amount they are " holding '' for that period.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, my name is XXXX. I am writing in regards to my personal information being used to open accounts with credit grantors without my knowledge or authorization. This is the second complaint I am filing because the first complaint claimed these fraudulent accounts where indeed not my accounts and they'll be removed, yet they haven't. I am now requesting for these accounts to get blocked and deleted off my report ASAP. I have spoken to all the companies involved and they've sent me letters stating these are not my account and they've also verified that these items are to identity theft. The following names are the accounts in which where opened using a fraudulent application which id like to block and delete. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} These are all the accounts opened fraudulently. I am also being neglected a block and delete from the credit reporting agencies even when all my documents are valid and meet the FCRA requirements for account deletions in regards to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in you credit file. The Credit Bureau has not updated the information and per law true Bankruptcy listed does not include this information and should be deleted from 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 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In accordance with the Fair Credit Reporting act. The List of Creditors below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Creditor : XXXX ; XXXX date XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 sev
en 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 2020-06-17
Company: Experian Information Solutions Inc.
State: IL
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:
removing fraudulent info

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Open Date XX/XX/2018 Balace {$290.00} XXXX XXXX Let a person open a account in my name and XXXX XXXX  sent the credit card to a XXXX XXXX this account is not my account at all, I did not no this company had existed, Sending a card to a XXXX XXXX is a red flag but no this company sent the card anyway to a XXXX XXXX that I do not own, also they told me another address when I talked to them that I never lived at both address was never my address I never lived there, and the phone number they gave me was never my phone number NOTHING MATCHES ME, this account needs to be removed asap/immediately from all 4 credit reporting agency and my credit report or me and my team will take legal actions. I have no idea who this company is. I have filed all necessary complaints.

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 2021-06-16
Company: EQUIFAX, INC.
State: AL
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Experian Information Solutions Inc.
State: TN
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:
Open Date XX/XX/2018 Balace {$290.00} XXXX XXXX Let a person open a account in my name and XXXX XXXX  sent the credit card to a XXXX XXXX this account is not my account at all, I did not no this company had existed, Sending a card to a XXXX XXXX is a red flag but no this company sent the card anyway to a XXXX XXXX that I do not own, also they told me another address when I talked to them that I never lived at both address was never my address I never lived there, and the phone number they gave me was never my phone number NOTHING MATCHES ME, this account needs to be removed asap/immediately from all 4 credit reporting agency and my credit report or me and my team will take legal actions. I have no idea who this company is. I have filed all necessary complaints.

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 2016-06-10
Company: CURO Intermediate Holdings
State: OR
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I had a payday loan due date on XXXX of {$330.00}. Came to the office to pay cash, they did not take payment because they said they already got at XXXX money from the bank from my debit card. I went to the bank to deposit {$330.00} and in the bank they told me that charge was {$250.00}. I called Rapid Cash and they said it was a charge of {$20.00} because they tried to withdraw money twice that day

Company response to consumer: Closed
Consumer complaint received 2018-01-04
Company: Bread Financial Holdings, Inc.
State: OH
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:
This complaint is with XXXX XXXX, for my XXXX XXXX account, account ending in XXXX This account was charged off/written off. After it was charged off, I contacted XXXX  to pay the balance off and that 's when they told me it has been charged off, but offered me a settlement amount, which I declined, because I wanted to PAY IN FULL, because I needed this account deleted from credit report, as I am trying to buy a house, as I explained to my account manager there, XXXX XXXX, ext XXXX. She said once the debt is paid to send a letter to their credit dispute reporting department to have it removed from my report. when I contact them to dispute, the only thing they keep doing is updating the status as " paid collection '' I also was told I would get a paid in full letter, but I have not got one yet, so I called my account manager again XXXX to ask for one and her words were " oh you have not gotten one yet, ok I 'll get one out to you '' Since I paid this account in FULL, I am no longer responsbile for this debt Also, XXXX still collected the full balance on this account from me after they had already written it off as profit and loss, so they got double paid. I am asking once again for XXXX to please delete this account off all three credit reports, as I have paid my debt in FULL and they were compensated twice, when they wrote this account off as profit and loss and their taxes and when I PAID THEM IN FULL. I am still waiting on my PAID IN FULL LETTER, so I can have in case I need to further dispute this account by other means,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XX/XX/XXXX I MAILED A GOOD WILL LETTER TO ALL THREE CREDIT REPORTING AGENCIES, XXXX. XXXX AND TRANS UNION ABOUT MY BANKRUPTCY FILING OF A CHAPTER XXXX ON XX/XX/XXXX. THIS BANKRUPTCY WILL BE XXXX YEARS OLD IN XX/XX/XXXX. I WAS NOTIFYING THEM TO GET A RESPONSE ABOUT THIS MATTER BECAUSE I RECENTLY TRIED TO GET A INCREASE ON MY CREDIT CARD AND WAS DENIED BASED ON THAT BANKRUPTCY STATUS. I WANT TO KNOW WAS DO THAT HAVE TO HOLD THIS AGAINST ME AND THIS IS 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 2021-11-27
Company: ACI Worldwide, Corp.
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX sold thier express pay business in 2019 to aci, aci has furnish everything but money tranfer numbers to finish claims at XXXX for {$XXXX}. see atttached pay us {$XXXX} to face litigation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Navient Solutions, LLC.
State: ID
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I graduated from college in 2007 and began teaching. I have tried in the past to get the XXXX XXXX  repayment plan. I was turned down two different times. I have XXXX in XXXX XXXX XXXX schools and should have been able to get on this plan. Navient has steered me into defements. My interest has become almost as much as the original loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Southwest Credit Systems, L.P.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed a debt from XXXX XXXX XXXX that had been sold to the debt collector Southwest Credit. I wrote a letter requesting written verification of the actual amount owed, as XXXX XXXX XXXX had added several hundred dollars to the bill in unauthorized services. I received a letter XXXX/XXXX/XXXX from a XXXX XXXX at Southwest Credit providing no written verification of the debt, only their promise that is verified and that they wanted the full balance immediately. I will not be paying anything without written verification and I have submitted a second written request for the written verification that they are legally obligated to provide upon my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: GOLDMAN SACHS BANK USA
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Loan for Marcus Goldman Sachs, 36 months for {$210.00} @ 17 %. First payment was in XX/XX/XXXX. Auto pay so never missed. They have a program which you can defer a payment if you make XXXX in a row. I took advantage ONLY one time, XX/XX/XXXX which then extended my last payment instead of XX/XX/XXXX, would be XX/XX/XXXX. I have paid in XXXX payments leaving XXXX left. Amount would be XXXX x XXXX {$1000.00}. Yet as of this month, XX/XX/XXXX I still owe {$1300.00}. I know interest still accrued for XXXX, but seems {$300.00} + is high or amounts to an extra payment and a half. PLUS -- - from last month to this month I only earned XXXX cents towards the principal,. Im tired of the stay/work at homes, not very helpful and the one time I called, she didnt know, was gon na check, but got hung up on. Plus having problems -unable to look at my documents again online. 
" We will waive any interest incurred during the deferral, and extend your loan by one month ( you will pay interest during this extra month ) ''. Which would be {$300.00}! They should warn customers then of a possible high interest accumulation. 
P.S. I am shown to have a low credit score, ( possible?? ) but it is only because of my son making late car payment, which I am a co-signer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We own a house : XXXX XXXX XXXX, XXXX, CA XXXX. My wife has had difficulty keeping her job over the last few years and we have defaulted on mortgage payments. Our lender is Capital One. As a result we went through a loan modification in 2014. The modification was accepted and we made at least 12 payments and then she lost her job again and we defaulted. XX/XX/XXXX we asked to start a loan modification process again which the banjk agreed to. We were supposed to make 3 trial payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX which we did. However, the bank thought we were late on one of the payments and immediately put a foreclosure date on our property ( XXXX XXXX ). My wife argued with the bank that the payments were not late and they accepted that they had made a mistake. However, the foreclosure date has not been cancelled. We are moving ahead with the modification and are just waiting on the appraiser to contact us to inspect the property. We do not understand why the foreclosure date ( the date our property will be put up for auction ) has not been stopped. We keep contacting the bank and they are not going to stop the auction until the modification process is complete. What is meant by " complete '' I have not idea. We can not get a straight answer. They keep telling us not to worry and that we will be fine but meanwhile the clock keeps ticking. I think they may have not intention of giving us this modification and fully intend to sell the property. 
We have also found that what they are doing is called dual tracking and is illegal. I confronted them about this and they denied it was dual tracking. 
It should be noted that our outstanding mortgage is XXXX and the house is worth about XXXX according to XXXX. I spoke to an attorney and he said jumbo loans are treated differently. This makes no sense to me. 
I would like you to tell the bank to stop the auction date or at the very least postpone it. I do not know if you have the power to do this but I am hoping you do. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: MS
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 below Has violated my federally protected consumer rights to privacy confidentiality under 15 USC 1681 XXXX  Account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX  XXXX has violated my rights 15 USC 1682 section 602.A States XXXX have right to privacy 15 USC 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 explanation
Consumer complaint received 2022-07-22
Company: JPMORGAN CHASE & CO.
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:
Having a difficult time disputing an account that I opened as a young adult at JPMCB CARD SERVICES ( Chase ). 

I opened the account XX/XX/XXXX. The account was closed/charged off XX/XX/XXXX. 
Balance {$3300.00}. 

Since then, I've been working hard to increase my credit score and be more financially responsible. I'm proud to state that I don't have any sustainable debt on file. I am hoping to get this removed so I can continue working on repairing my credit, it's been well over 7 years since the account was marked as charged off.

Company response to consumer: Closed with explanation