BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021, {$25000.00} were withdrawn from my Chase business checking account by an unknown person. This is related to all my other debit/credit card fraud charges. They most likely stole my mail and got a hold of my debit/credit cards and then somehow were able to withdraw money from my checking account. 
I filed a claim with Chase Bank and a police report as soon as I got the news. I received my police report in XXXX after 4 months and it took forever for Chase to receive the police report, problems with their fax/email. Now Chase bank is finally starting their investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-05
Company: Capio Partners, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got an alert from XXXX several months ago concerning a medical bill from Capio Partners for {$95.00} on a bill from a XXXX XXXX who I dont know at all. I contacted the hospitalin XXXX, LA and informed them of the error. They in turned verified that it was not me an they got it removed from my credit report after i called. Just XXXX weeks ago i received a call from Capio Partners inquiring about the same account. I told them there is no validation that the account is mine because Ive never been to that hospital nor do I know the guy in question. I have excellent credit and they have not done their research to see that its not me. I want to know the steps in filing a formal complaint because it is not fair practice. Please advise me of the steps i need to take.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-04
Company: United Shore Financial Services, LLC
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I MISSED THE XX/XX/2022 PAYMENT BECAUSE THEY SAID THERE WAS INSUFFICIENT FUND IN MY CHECKING ACCOUNT. I PAID OVER THE PHONE AN AFTER I GAVE THEM MY ACCOUNT PAYMENT INFO, THEY SAID I WILL PROCESS YOUR PAYMENT THRU XXXX MINUTES LATER THEIR EMPLOYEE CAME BACK ON THE PHONE AND SAID " '' YOUR PAYMENT WENT THROUGH YOUR ALL GOOD NOW!!! '' '' THEN WEEKS LATER THEY TELL ME I AM LATE ON MY PAYMENT. I CALLED TOLD THEM ABOUT MY PAYMENT AND THEY SAID THAT IS NOT HOW WE WORK WE HOLD THEM PHONE PAYMENTS FOR 3 DAYS BEFORE WE TRY TO PROCESS THOSE PAYMENTS THROUGH THE BANK!! I SAID WHEN I CALLED THE PAYMENT IN THAT DAY THERE WAS PLENTY OF FUNDS IN MY ACCOUNT TO COVER MY TRANSACTION THAT DAY.!!! IN XXXX TILL PRESENT ( XXXX ), I HAVE BEEN SENDING THEM PAYMENTS OF XXXX OR XXXX EVERY MONTH WITH INSTRUCTINGS TO CREDIT EACH MONTHS DUE PAYMENT AND CREDIT THE EXCESS TOWARDS MY MISSED XXXX PAYMENT!!! I DID THIS EACH MONTH WITH WRITTEN INSTRUCTIONS AS TO HOW TO APPLY EACH MONTHS OVER PAYMENTS. THEY JUST TOLD ME THEY TOOK ALL MY PAYMENTS AND APPLIED THEM TO THE MONTH BEFORE AND CHARGED ME LATE PAYMENTS FOR EVERY MONTH AS THEY SAID THAT IS HOW THEY DUE THINGS AND JUST IGNORED MY WRITTEN INSTRUCTIONS AS HOW TO APPLY MY FUNDS I SENT IN... THERE TACTICS THEY NEVER TOLD ME ABOUT TILL NOW MADE ME TOTALLY UNAWARE OF WHAT WAS HAPPENING ALL THIS TIME WHILE THEY WERE JUST LINNING THEIR POCKET WITH LATE FEES WHICH IN MY OPINION WERE OUTRIGHT EMBEZELMENT BY OVER CHARING ME... I BELIEVE I HAVE A LEGAL RIGHT TO DIRECT ANY BUSINESS I SEND MONEY TO AS TO HOW I WANT THOSE FUNDS DISTRIBUTED IN MY ACCOUNT. MY MONEY MY DECISION ALL MY MONEY IS TOTALLY UNDER MY CONTROL NOT BUSINESSES I DEAL XXXX!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: CarMax, Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The consummation of this lease agreement took place XX/XX/2018. There are certain disclosures that should have been provided during the consumer credit transactions. The notice of cancelation form explaining my right to rescind was never provided. Pursuant 15 USC 1635, I was not giving full disclosure of all the terms in the lease agreement. This has caused great injury and suffering. 

I hereby rescind this contract and demand any payments made by me returned to me within 10 days of the rescission process. Any interest you have in this contract needs to be terminated and canceled. You must send me proof of the cancelation. 

You must cease & desist from all collection action and any other action pertaining to any debt obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2022 I mailed letters to XXXX, Equifax and XXXX. Here is my tracking : XXXX : XXXX Equifax : XXXX XXXX  : XXXX I requested to have inaccurate and misspelled personal information deleted from my credit report. My federally protected consumer rights have been obviously violated plus this is a violation of the Privacy Act which states a consumer has the right to dispute and remove any inaccurate information on their credit report. Not only was my information affected by the Equifax data breach, I have included the correct spelling of my name, address, birthday and provided the correct SSN number as well. according to the Fair Credit Reporting Act and the following sections listed below, my federally protected rights as a consumer have been violated : [ 15 U.S.C. 1681 ] ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. [ 15 U.S. CODE 6802 ] a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information [ 15 U.S.C. 1681s-2 ] reporting information with actual knowledge of errors. 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I opened up a dispute for an account that does not belong to me and it was blocked for few days and returned to my credit again i verified that the address they have on file and on my credit report does not belong to me and i disputed it so creditor just sent the card to address that is not mine and someone used the card and now the card is in closed status on my credit report and has a balance on it that they are helding me responsible for when clearly i sent them proof and ftc report that i dont have anything to do with that card

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 2022-07-04
Company: Experian Information Solutions Inc.
State: GA
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 sent a letter on XX/XX/2022 regarding inaccurate and unknown items on my credit report. It has now been 45 days. I have not received anything regarding the investigation. Im clearly being taken advantage of and being ignored. Section 611 ( a ) states that a failure to investigate within 30 days gives reason to remove these erroneous items, this should be resolved now. I demand these accounts be removed immediately, or I will seek litigation for all this has caused me. I was also impacted by the XXXX data breach, my information could be being misused at this very moment.

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 2022-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
On the evening of XX/XX/22, I deposited a large cashier 's check provided by my in-laws into my account for an upcoming large purchase for my wife and I. We are contractually obligated to wire the money to the seller by XX/XX/22. Upon completion of the deposit, the cashier 's check was put on an immediate hold. I was unable to follow up with the bank on XX/XX/22, and because it was a cashier 's check was not expecting there to be a hold on the money since it is guaranteed, being that it is a cashier 's check. On XX/XX/22 I contacted Bank of America support via phone to figure out why there was a hold, and if it could be removed. I was informed there was nothing that could be done. When I inquired if I should go to the bank where the deposit was made and speak to them there, I was told yes, they may be able to help. I went to the bank where I made the deposit, and after speaking with the teller I was told the hold was NOT placed by Bank of America, but by the originating bank, XXXX. I had to leave the bank and return to work, as I had already spent two hours trying to resolve this issue already. I then contacted XXXX directly, and was informed that there was no hold whatsoever, as I expected, because what I deposited was a cashier 's check; guaranteed money. I contacted Bank of America support once again, I was bounced through three different employees, and the third one informed me that the reason there was a hold on the cashier 's check was because of the amount. He said that because of the amount, that the check had to pass ACH inspection and there was no way to reverse the hold on Bank of America 's side. According to him, the earliest time the funds would be available will be at XXXX, on XX/XX/22. A full 24 hours after my contractual agreement ends. ACH validation is not required for cashier 's checks because the originating bank already guarantees the funds are available. I have been a client of Bank of America for over 17 years, and am appalled at the amount of run-around I was given by them, coupled with a flagrant lie that a cashier 's check " requires '' an ACH hold. If I can not renegotiate my contract with the seller, Bank of America will cause me to be in violation of a written agreement of funds. Funds, that should be there because I deposited a cashier 's check which immediately guarantees the funds are available. I have XXXX faith in Bank of America making this right with me, and wanted to provide this feedback as a cautionary tale for others.

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 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2022 I mailed letters to XXXX, XXXX and TransUnion. Here is my tracking : XXXX : XXXX XXXX : XXXX TransUnion : XXXX I requested to have inaccurate and misspelled personal information deleted from my credit report. My federally protected consumer rights have been obviously violated plus this is a violation of the Privacy Act which states a consumer has the right to dispute and remove any inaccurate information on their credit report. Not only was my information affected by the XXXX data breach, I have included the correct spelling of my name, address, birthday and provided the correct SSN number as well. according to the Fair Credit Reporting Act and the following sections listed below, my federally protected rights as a consumer have been violated : [ 15 U.S.C. 1681 ] ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. [ 15 U.S. CODE 6802 ] a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information [ 15 U.S.C. 1681s-2 ] reporting information with actual knowledge of errors. 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 non-monetary relief
Consumer complaint received 2022-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Their investigation did not fix an error on your report

Complaint:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23
Company: EQUIFAX, INC.
State: NY
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 win tne Fair Crealt Reporting act. The List or accounts below nas violated my rederally protected consumer rignts to privacy and confidentiality under 15 USC 1681. 
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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX  more than 21 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: SANTANDER HOLDINGS USA, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a cashier 's check that was made by XXXX on XX/XX/XXXX into my business 's checking account at XXXX Bank in XXXX XXXX PA, in person. The amount was over $ XXXX. In addition, to that same transaction I deposited $ XXXX in cash. After doing so XXXX Bank froze my WHOLE account, even the cash portion, claiming the reason was for the large amount on the cashier 's check. After disputing with them in person for two days they would only give me the cash portion when I came to the bank 's branch but would not remove the account freeze. On the 5th business day ( XX/XX/XXXX ) the said cashier 's check cleared but they still would not remove the account freeze, nor give me a reason for the continued account freeze. 

They have no legitimate reason for placing my account on hold for more than 2 business days ; in addition to violating 12 CFR 229.10 ( c ) ( 1 ) ( v ). Due to their arbitrary ( and now blatant ) actions they have in fact demostrated their discrimation against me for what I can only come to a conclusion of malice reasoning. As of XX/XX/XXXX my account is still frozen and causing me great harm.

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 2022-04-25
Company: EQUIFAX, INC.
State: FL
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 report act XXXX XXXX XXXX account number 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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