BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I XXXX XXXX, still have not gotten the information I requested. 
My claim keeps getting denied. 
I never received the card or activated the card that had the charges that totaled {$880.00}. 

The fraud department only sent me proof that the card was actived and the charges that were made. I have asked if they could tell me what ( 1 ) phone number was used to activate the card, ( 2 ) if the person knew my SSN, and ( 3 ) if they have a photo of the person making the charges.

I never saw that card and I did not activate it. I did not give anyone permission to use my card. 

I filed a police report because this was the second time my XXXX funds were stolen. Your system does not protect the vulnerable. My police report number is XXXX. A copy of the report is in my file. 

My husband and I have been back and forth in the hospital he is dealing with XXXX that has spread all throughout his body. We need all of our money. The missing {$880.00} has caused a lot of bills not to be paid. 
Please make this situation right.

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 monetary relief
Consumer complaint received 2023-09-30
Company: PNC Bank N.A.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is about XXXX XXXX a subdivision of PNC. They ceased operations on XX/XX/2023. My account was closed on XX/XX/2023 and I received notification that the account was closed. However on XX/XX/2023 they accepted my direct deposit from my employer. The money is in the account but I can not access it. I have tried multiple times to contact them but I get no reply. My employer said they need the bank to reject the direct deposit so they can re route it to my new account but my employer said the direct deposit was successfully received and there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-10-02
Company: WELLS FARGO & COMPANY
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX contacted me with a litigation for a Wells Fargo Bank account that they claim I had and was charged off. I have never had a Wells Fargo Bank account ( 20 years ago I did in 2000 but nothing past that and the account was closed ) They are claiming I owe {$900.00} and claiming if I dont pay I wont be able to submit checks or use my debit card. 
I asked them to send me a letter stating what I owed and who this was through. They sent me a letter dating XXXX I received the letter with all my information, I have not called Wells Fargo to confirm. When I searched online it said this XXXX XXXX XXXX is a scam.

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 2023-11-20
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I deposited 2 checks via mobile deposit ( first time doing so ) on XX/XX/. Both were from my parents for XXXX XXXX. Chase put a 10 day hold on the checks, I was going on a XXXX XXXX and needed cash sooner. I called Chase, at which point their representative instructed me that I could cash the checks with the original banks and the deposits would simply bounce from Chase. I asked multiple times on a recorded line if there would be any issue with Chase on this end, because understandably it appears as fraud. I was told 'No penalty on Chase 's end ' more than once. Subsequently they closed my account. This was over a month ago. I was not made aware of the closure and wasn't able to change my direct deposit information because I was unaware of the closure. They have since withheld funds from me, told me they had mailed me my remaining balance, then cancelled the funds. They still have yet to give me one check, two payroll checks and my remaining balance. This has caused late fees, impacted my credit score and ability to finance a certification required for my job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been with Capital One for XXXX  years and they have closed both my checking and credit cards. My banking account was closed in XXXX with no real explanation of why other than violating terms and conditions. I was not advised by letter or email on the closure. I went to my app and that was how I was notified. 

I also have 2 credit cards with them and on XX/XX/XXXX both of my credit cards were closed and I did not receive any notice yet again. When I tried to call to get more information I was advised that it was due to a return payment in XXXX. When asked why I was being penalized for something that happened a year ago I was told I did not follow terms and conditions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: SLM CORPORATION
State: PA
Product: Credit reporting 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:
6 Hard Inquiries that I did not apply for : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Sallie Mae XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Im receiving conflicting credit reports & inaccurate information. The credit reporting agencies report information as accurate & the lender changes the information on my account monthly. Unfair credit reporting!! Today I received 2 conflicting reports from XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2023-11-30
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023 I called Bull City Finacal identified myself and requested that an itemized bill be sent to me detailing services rendered and the amount charged for services. XXXX a representive denied my request and stated i sent that it in XXXX. I then asked you sent me an itemized bill and are telling me that you want send me one now?? He said YES. I then asked again the detailed bill be sent and the document with my signature releasing XXXX XXXX XXXX to him be provided he stated I dont have to do that. I then tryed again to resolve the debt and asked could it be negotiated and us settle it someway if he is refusing my request he responded NO it can not you need to pay the entire amount to us. I then terminated the call. This is sesistive to me I am a 100 % service connected XXXX veteran with XXXX and my health information and XXXX XXXX XXXX XXXX was private and no one elses buisness. I NEVER GAVE ANYONE PERMISSION TO RELEASE MY XXXX. Please help me to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I received documentation from NationStar Mortgage, dated XXXX XXXX, 2015, however, the package that was sent to me with the XXXX/XXXX/15 date was NOT delivered to me by XXXX until XXXX/XXXX/15. Ironically, the information sent to me by Nationastar was also requesting that I have the information signed and notarized and returned to them by XXXX/XXXX/15, the exact same day it was delivered to me. There was also information in the package indicating I requested a Recast/Amoritization loan and I have no knowledge of this request or the understanding of this loan program. I was approved for a Principal Reduction through the Keep Your Home California Program ( KYHC ) for a principal reduction and they paid {$51000.00} to Nationstar on XXXX XXXX, 2015. I contacted Nationstar about a week or so after the payment was made on XXXX XXXX, to ask them the status of my Principal Reduction. I was told information was being sent out. My concern is the same thing happened to me when this company purchased my loan from XXXX XXXX XXXX, they indicated I was sent information on XXXX day, however, it was never received or when it was received it was NOT in a timely manner or on which the date the letter was address and when they said they sent it. I am NOT refusing the Program approved for me by the XXXX, I am asking Nationstar to first resend the information using the correct date and time frame it is being sent, NOT TWO WEEKS after dating the letter. I also asked where was the monies applied that was received by the XXXX on behalf of me because in the documentation it indicated where about {$40000.00} was applied but not the remaining balance of the {$51000.00}. I also asked them to explain how is this HFA agency related to this loan, the party they are describing that helped in their documentation and finally, please explain to me what is the Recast/Amoritization Program, because I would be signing something that I have NO knowledge of what I would be signing, how it affects my loan and what if any are the advantages or disadvantages of this program and what will my interest rate be? Will my interest rate remain at the 2 % that they indicated in the documentation and is the same as my previous loan modification? Because, although the 2 % was indicated in the documentation that it would remain the same 2 %, in the documentation they also gave me a lowered loan payment, on what my new loan payment would decrease to, but I did n't get an exact amount because it stated that this amount does NOT include insurance and taxes. I am willing to give Nationstar time to respond to my letter sent to them on XXXX XXXX, 2015 and I did make a call this morning to Nationstar and spoke with a XXXX about my concerns and she did send an email to the department handling the loan and said she is waiting on a response from that department and would get back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
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:
In accordance with the fair credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 U.S.C 1681. 

XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX 15 U.S.C 1681 section 602 A. States I have a 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 reporting agency containing any of the following items of information, other than records of convictions of crimes with antedates the report by more than 7 years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: FORD MOTOR CREDIT CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy, 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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:
These accounts are recorded in an inappropriate way in my history, I want it to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-09-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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:
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 REMOVE THESE INQUIRIES PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 am filing a complaint for the new collection that appeared on my credit report. The original creditor on this new collection is the same as the creditor on my previous collection, which was removed in XX/XX/2023. The previous collection was verified as inaccurate and invalid, so it's been removed. 

Last week, I received an alert about the new collection on my credit report but was not properly notified by the creditor or collection agency. I believe this is an illegal reinsertion and should be deleted from my credit report. 

In addition, I also found an inaccurate late payment to one of my accounts. I believe the late payment was caused by a system error as I set it up with my auto-pay account.

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 2023-12-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
2. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 Account Number : XXXX Delete this account. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 Please remove it from my credit report. 
10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/ Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Changes in terms from what was offered or advertised

Complaint:
I've been using American Express prepaid gift cards for years, and as of XXXX  American Express is blocking transactions at all major retailers. AmEx has admitted to me that they block online transactions at XXXX, XXXX, XXXX XXXX, XXXX, XXXX, etc so it's making the card close to useless. I can't get the card to add to XXXX XXXX about 95 % of the time, and when I do get it added it just fails when trying to use it at stores like XXXX XXXX and XXXX. Again, I'm very experience with these cards and I've been using them for at least 10 years, and as of XXXX  they are nearly useless. I can only get them to work when I physically swipe at some merchants, so this severely limits how I can use it. They say it should work at online retailers but it does not, and it is AmEx that is blocking it's use.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: FREEDOM FINANCIAL NETWORK
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have three unauthorized hard inquiries on my credit report, and after months of trying to ask XXXX and XXXX to investigate them, they won't take any action. I sent nine letters and seven phone calls to dispute these hard inquiries with no luck to investigate/remove them from my credit report. I never authorized these inquiries. I have no idea what type or kind of loan they are or banks. Never applied and never authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please review the attached documents. I urge the bureau to commence an investigation into these accounts, as they inaccurately depict me as late when I have always been on time.

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