BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-16
Company: BANCO POPULAR DE PUERTO RICO
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I went to the bank on XX/XX/XXXX to make a withdrawal of {$200.00} and the teller tells me that I only had {$230.00} available. Before that, the last time I had went to the bank was on ( XX/XX/XXXX when I had made a withdrawal of {$300.00} and I had a remaining balance of {$1000.00}. They claim that I had went to the bank on XX/XX/XXXX and made a withdrawal of {$800.00}. I argued with them that that was not correct. I have a book that they stamp every time I make withdrawals or deposits and they did not stamp by book where they were supposed to when they claim I made that withdrawal. They told me that the teller made a mistake on that day ( XX/XX/XXXX ) and stamped it over another date at the beginning of my book. They proceeded to show me where the teller stamped it ; and it was over another date. If you look at my book where they stamped it, it's very confusing and I also noticed that they changed the numbers by handwriting over them. I did not get anywhere with them. One of the tellers even told me that I had not been to their bank in a long time and maybe I don't remember. They took my {$800.00}. I am XXXX XXXX XXXX and I do not have XXXX nor XXXX, and I am good with numbers. I never went to the bank on that day to withdraw {$800.00}. I get my XXXX check every first of the month and it covers all of my bills ; I didn't have a need to go into my XXXX XXXX XXXX account to withdraw any money. Please help me. I am a victim.

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 2022-06-16
Company: Experian Information Solutions Inc.
State: KS
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:
In accordance to my rights of privacy 15 usc 1681 section 602h along with 1681 section 604a section 2. I want all addresses listed on my credit report removed. I have attatched two files that reflect the correct name, correct spelling, correct address. This is the only information on myself that i want present.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: OK
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 have been affected by the equifax security breach. I want to file a consumer finance protection complaint against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I had attempted to close my account with capital one and transfer the assets out. Upon closing I had levied against me a {$75.00} fee. I was not made aware of the transfer fee when I was in the process of closing the account and capital one did not have any avenue to see the fee from their app, which is my primary portal for using their service. Furthermore there was no indication in the app that I was missing any sort of communication from the institution. When I contacted the FI they advised me that there was a lesser fee ( {$15.00} ) but that they would honor that fee because it would require separate paperwork. I was advised that even if I were to submit the correct paperwork that they would still levy the fee - which amounts to nearly 25 % of funds in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: EQUIFAX, INC.
State: MD
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: CL Holdings LLC
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: Account information incorrect

Complaint:
XX/XX/2016, I paid off an old XXXX bill. Since that time, XXXX XXXX has placed an erroneous charge on my credit report. I have disputed this many times to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: Fay Servicing, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Multiple attempts have been made to Fay Servicing to provide an amount to reduce our monthly escrow payment which would reduce our overall monthly mortgage payment. This is a breach of the contract. Additionally, our original contract provided an option to make our monthly payment in two installments which Fay Servicing is not allowing. These deceptive practices by Fay Servicing we believe is an attempt to force us into a foreclosure. 

We want to pay at least half of our monthly escrow amount to reduce our overall payment, if not the full annual amount to further reduce our monthly obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: MS
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:
Over the years, someone has accessed my personal credit information. I lost my purse and wallet a few years ago. I have no knowledge of what or who this could be. This has been ruining my credit. Please remove/delete all inaccurate information from my credit report. Please correct my only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please correct my only name : XXXX XXXX I do not wish to have any telephone numbers or employers on my credit report. I have fraud inquiries : 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 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 Please remove all fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Over the years, someone has accessed my personal credit information. I lost my purse and wallet a few years ago. I have no knowledge of what or who this could be. This has been ruining my credit. Please remove/delete all inaccurate information from my credit report. Please correct my only address is : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Please correct my only name : XXXX XXXX I do not wish to have any telephone numbers or employers on my credit report. I have fraud inquiries : 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 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  Please remove all fraudulent accounts.

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 2022-06-16
Company: EQUIFAX, INC.
State: MI
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:
on. for 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 XXXX XXXX XXXX XX/XX/2021 OPEN BALANCE {$1900.00} ORIGINAL CREDITOR XXXX XXXX XXXX 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Credit card type, American Express Transaction Date : XX/XX/2022 Merchant : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX  Amount : {$3600.00} I have already opened a dispute with American Express, which they denied. I then appealed their denial which they also denied. They stated that I should try and work this out with the vendor or if that is not possible with a tort claim. 

This vendor advertised and promised to provide a medical XXXX XXXX solution that would be safe, FDA approved and would include a lifetime supply of their medication. The product they delivered to me is not only unsafe and unusable but is also dangerous. 

On XX/XX/2022 XXXX XXXX XXXX XXXX administered an elective medical treatment to me in their offices. This treatment caused me to have a severe medical reaction that resulted in a medical emergency. The medical emergency was so acute that XXXX XXXX XXXX XXXX own doctor, XXXX XXXX XXXX, personally called XXXX to report the emergency and request an ambulance since I was unconscious and could not be revived. 
XXXX XXXX XXXX XXXX then sent their first shipment to me and informed me that they had altered the mix and concentration of their product. I then, perhaps foolishly, took their treatment for a second time. I then suffered another severe medical event. Luckily this time I was able to quickly lie down and did not lose consciousness. 
I then informed XXXX XXXX XXXX by text message that his treatment again caused severe medical distress and I would not be able to use XXXX XXXX XXXX XXXX product as I could not risk my health by taking medication that was obviously unsafe and could cause me to be hospitalized or worst. I also would like to point out that at this time I acknowledged to XXXX XXXX XXXX XXXX I would be willing to pay for the services received up to that point. This included the office visit which was listed at {$190.00} and the first shipment of what was to be a lifetime supply of medication. I do not know the cost of this shipment but would guess it also was a XXXX XXXX XXXXXXXX dollars at most since it was only the first one of a lifetime supply. XXXX XXXX XXXX XXXX never responded to me on this offer. 
XXXX XXXX XXXX XXXX did respond concerning my inability to use their medication and their proposed solution was for me to take their unsafe and dangerous medication a third time. 

I also want to point out that XXXX XXXX XXXX XXXX is a franchise location of XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX. The medication is supplied by this home office and shipped to the customers that XXXX XXXX XXXX XXXX signs up. XXXX XXXX XXXX XXXX receives {$1200.00} for each new customer and the balance of the fee goes to XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
The company is Equifax. 

I never gave direct authorization to that organization to use, in any manner, my personal data. I have found out that they have been using my personal data, storing my personal data in a manner that allowed the data to be accessed by an unlimited number of third parties, and they were profiting off of my data without compensating me for use of my personal data. 

On XXXX XXXX I became aware that Equifax provided my personal information, without my consent, to an undisclosed party, and that they did not properly safeguard my personal information. There are now damages, and my personal data, against my wishes and my personal attempts to protect my data, has been violated and provided to parties that they have provided my personal information to sources that can destroy my credit reputation, name and history, resulting in higher costs, damaged credit, and irreparable damage to my future costs of borrowing and protecting my personal data. 

I have never provided any written authorization to Equifax to use any of my personal data, which is copywrite protected and owned by me, for any purposes and they have violated federal laws in stealing my personal information, and then failing to protect my personal information, selling data about me without my consent, and failing to protect the information which they had collected. 

I am seeking {>= $1,000,000} in reimbursement to cover all necessary legal, financial and reputational costs incurred, and potentially to be incurred over my lifetime for the egregious violation of my rights and federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: BMW Financial Services NA, LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
BMW Financial took my car in 2014 and they continue to damage and report old information on my credit report way past the 7 year laws. I need for them to remove all information from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I use Chase Bank as my primary bank for my business, and I submitted a claim on XX/XX/2021 for an unauthorized charge on my debit card which happened on XX/XX/2021. 

I called them and told them " {$1200.00} from Amazon.com on XX/XX/2021 is an unauthorized charge, so I want to file a claim for that transaction. '' They asked me " Is that the only unauthorized charge? I see that you have monthly charge from Amazon Prime, on the 12th of every month, since XXXX of 2021. Are those valid charges? '' I said " No those are not my charges. '' They said " Okay, we will include those 6 monthly charges from XXXX in this claim. '' Few weeks later they told me they can not give me credit for {$1200.00} transaction because they " can only issue credit for the transactions that occurred within 35 days from the very first unauthorized charge '' They said " Sir, your claim includes total of 7 charges, and we have to apply the 35 days rule, so we can only give you credit for first two transactions. 

So instead of crediting me for {$1200.00}, they gave me a credit for two {$14.00} Amazon Prime monthly charges. Total of {$28.00}. 

I told them " who told you to group those charges into one claim? You guys need to separate those charges into two claims, one claim for the Amazon Prime monthly charges, and one claim for the Amazon.com charge of {$1200.00}. Those transactions are different in nature, so it is unfair for the bank to to group all those charges into one claim. '' They said " Sorry sir, we already processed the claim so we can not make any changes. '' I called them several times to complain about this issue but they were not willing to reconsider their decision. They wouldn't even give me their last names, email address, phone numbers, or employee ID number. 

I also sent them an official complaint letter twice, first one on XX/XX/2021 and second one on XX/XX/2021, but I received no response whatsoever. No phone calls, no emails, no letters. 

This is an unfair, deceptive, and misleading practice of JPMorgan Chase Bank. I trusted them to protect my money safely, but not only they failed to do so by allowing unauthorized charge go through without sending me any verification or confirmation of the transaction, they later denied my claim using some BS rules that they made internally. I am not even sure if that 35 day rule actually exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information 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: Account status incorrect

Complaint:
As you can see in the attachments, XXXX settled a XXXX XXXX XXXX XXXX XXXX in 2020. According to the agreement, my debt is to be forgiven and the account status updated to positive or the account removed from credit report. Because of what they agreed to in the settlement, this has now become a violation and need to be corrected within 30 days of receipt of this. XXXX has already complied with decision and has removed the account from 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 2022-06-16
Company: Experian Information Solutions Inc.
State: OH
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:
Hello, I Disputed a XXXX  XXXX and XXXX  XXXX with XXXX XXXX and Experian that was reporting the furnisher was US Bankruptcy Court .The recorder of deeds, the magistrate, or the court itself did not furnish any of this information to credit bureaus. XXXX deleted both Bankruptcies from my credit report. Experian and XXXX sent back letters stating they were both accurate and verified. I called and sent a letter to US Bankruptcy Court they sent me a letter stated they do not furnish information to any third party, including the credit bureaus. I sent another dispute attaching the letter from the court and they sent a letter stating verified and accurate and they're not reinvestigating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: CA
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:
EQUIFAX 2017 SECURITY BREACH SERVICE AND COMMUNICATION PROBLEMS I am part of the Equifax 2017 recent problem where Equifax security was breached. I am having problems getting any action, information or response from the telephone numbers or help numbers that are associated with the debacle. 

The fax number is busy, there are no active Equifax numbers for actual customer support listed in the main web site. 

I want to secure an immediate credit freeze on all my accounts and I ca n't get any of the existing numbers, after excessive hold and wait times to respond. 

Due to the situation, there should have been mail notification to all those affected and automatic steps to secure the accounts. 

I am appalled at the complacent responses to this serious matter and ineffective communication that is being tolerated by the consumer protection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: MI
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:
Equifax stored secure personal information, including social security numbers, in a non-secure way. The information was hacked and top executives of the company, who were aware of this information hack, sold their own shares in the company in a form of insider trading. The hack was then hidden from consumers for over 3 months.

Company response to consumer: Closed with explanation