BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I've had an account with Bank of America since late XXXX. The first check I deposited over mobile app was held for 10 days and they explained it was because the account was new. I was upset but understanding. Now it is late XXXX I have deposited checks over mobile, in store, and through atm. My latest deposit was ATM and it is being held until XX/XX/2018 it was XX/XX/2018 when I deposited it. That is much longer than 10 days first of all. Second of all m uh account is no longer new. The branch and the customer support are all acting clueless and unable to help as if holding my money that I need to survive for no explanation is something I just take on the chin. They also keep saying I should know checks can be held for up to 10 days ignoring the fact they are holding my check longer than that. Finally they have made nothing of the XXXX dollars I deposited available until the 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 2022-01-13
Company: I.C. System, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a bill from I.C. Systems in the amount of XXXX on XX/XX/2022, the account number assigned to this bill is XXXX, I do not know who this company is nor do I owe any money, the company told me there is another address on the billing but is not mine and they show a different birthdate then mine

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 2021-07-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The undersigned Secured Party caused a complaint to the Consumer Financial Protection Bureau ( CFPB ) about a fraudulent bank ( XXXX XXXXXXXX XXXX XXXX ) placed on my consumer report by XXXX Equifax, and XXXX. Dear debt collector/ credit bureau XXXX I am, a federally protected consumer. Subsections ( A ) and ( B ) of 15 USC 6802 prohibit the disclosure of my nonpublic personal information without my consent. Please remove XXXX XXXX XXXX XXXX accounts from any public record. If all accounts are not removed the consumer is owed actual damages under 15 USC 1692K. 
I have sent numerous letters to XXXX XXXX regarding the alleged debt they say I owe. I do not owe XXXX XXXX any money. XXXX XXXX has yet to send me anything bearing my wet-signature proving that I owe them anything. XXXX XXXX does not have my consent to furnish my Consumer report or share information with anyone.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as Equifax, XXXX, and XXXX  prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of the Claimant credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) THIS IS A DIRECT VIOLATION OF THE FCRA AND FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid off my credit debt with Capital One on XX/XX/XXXX. Two days later, after my payment had posted, they charged me {$40.00} in interest. My balance is {$0.00}. They are telling me it is interest on the balance before it was paid. My bill is due on the XX/XX/XXXX, I paid on the XX/XX/XXXXin full and the payment posted on the XX/XX/XXXX. If there were any other charges to be had, they should have posted before my bill due date. There should be no other charges to pay. I closed my account some months ago because they were unwilling to work with me on payments until I was able to pay the account off. They claimed, constantly, that I had payment options yet both times I called seeking options, their reps were anything but helpful and would only accept full payments which I had been unable to do. Well now they are paid off and it seems they are trying to swindle just a little bit more out of me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase bank decided to close my accounts in lieu of fixing any of the several problems i 've brought to their attention. I am given to understand there is also an issue with me not having enough money to have business with Chase, but I do n't have any documents to support that. 

The beginning of this issue was when I discovered my paycheck had not been deposited into my account, even though my payroll system showed the electronic check had been sent. 
The next issue was that Chase refused to allow payment withdrawal of my credit card payment with a separate company, which caused an issue of potential account closure there. 

In the latest part of this saga, Chase advised me that no deposits or withdrawals would be allowed, but that was clearly a lie as they did later allow my paycheck to be deposited into the account, but they have refused to allow me access to those funds. I have asked them many times to please advise when and how they plan to return my stolen funds, but they have refused to discuss this matter with me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: NRA Group, LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received email from National Recovery Agency about a utility bill that was never mine. It listed an address that I never lived at for a debt that was never mine. 

Debt date on bill : XX/XX/XXXX Date of email : XX/XX/XXXX Amount : {$280.00} I have taken no action yet ; National Recovery Agency claims to be a collection agency.

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: CO
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 data was part of the Equifax data breach. An unknown entity now has my information due to Equifax 's negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Submitted a dispute and the company failed to respond to me at all.

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 2022-06-14
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX Initial complaint filed. I have filed multiple requests for updates. I have faxed, emailed and mailed my identification including my driver 's license and social security card. My banks are still unable to pull my credit report and score. I have been told on multiple occasions including the above listed complaint that this has been resolved and it has not. Each day is costing me a risk of higher interest rates and delays the progress on my project.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit Reporting act XXXX  Account " XXXX XXXX '', " XXXX XXXX XXXX XXXX XXXX  " JPMCB CARD '', " XXXX XXXX & XXXX '', '' XXXX XXXX XXXX', has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-08-26
Company: Experian Information Solutions Inc.
State: NC
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Ive already included this report in my previous complaint & I am including it again. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXXBalance : {$11000.00} XXXX XX/XX/2021

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: 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:
This is regarding the Equifax breach. 

My information has been compromised by a consumer credit reporting agency. I did not authorize this agency to collect or release my information in any way. 

As part of disaster mitigation, I am attempting to lock my credit at all agencies. These agencies, including the one that was breached ( Equifax ) are all charging for this service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: MI
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:
This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX Reference # XXXX Date Filed : XX/XX/XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX Reference # : XXXX Date Filed : XX/XX/XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: NAVY FEDERAL CREDIT UNION
State: FL
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:
Company disagrees with dispute and PURPOSELY put transaction back on the day statement generates .. not giving me a chance to appeal or to not have it affect my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Based on the attached Police report regarding a person that used my identity I have been attempting to deal with American Express on this fraudulent account. I have requested removal of this account since 2016 and I continually get form letters and no resolution. Please help resolve this once and for all. This debt is causing my unexplainable financial hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-11
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
The XXXX XXXX XXXX credit card was pay and close For {$2300.00} Date open XX/XX/2010 Was pay off and close

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: EQUIFAX, INC.
State: TX
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:
Equifax shows on my credit report that I haven't made XXXX XXXX  payment ( XXXX  ) for XX/XX/XXXXthru XX/XX/XXXX. I called Arizona XXXX and they told me ( and I verified thru their automated system ) that they were reporting payments made for these dates in XX/XX/XXXX. XXXX sent me a printout showing the payment history for the dates in question. Therefore onXX/XX/XXXX once receiving this report I submitted a dispute to correct this information. At the same time that I submitted a dispute with Equifax I also submitted a dispute with XXXX  and XXXX  to correct the same reporting error. I also submitted a copy of the envelope that XXXX sent me the report and an official letter from Social Security Administration showing the deduction from my XXXX payments starting in XX/XX/XXXX when the first payment was due ( this new XXXX XXXX debt was discovered from a new payment history report run by XXXX in XX/XX/XXXX showing an error reported in my favor from back in XX/XX/XXXXand creating a past due amount with penalties ). The amount deducted in the XX/XX/XXXX letter from SSA was what XXXX and I had agreed upon to pay monthly. Today, XXXX  and XXXX corrected the reporting error but Equifax refuses to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: Aldous & Associates, PLLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Aldous & Associates , PLLC at XXXX XXXX XXXX, XXXX, UT XXXX are contacting me regarding a debt that I do not owe. They are allegedly calling on behalf of XXXX XXXX located XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MN XXXX. I have contacted XXXX XXXX who confirmed that they did not refer me to collections. I have contacted Aldous who refuses to provide me with a copy of a signed contract, proof of debt, proof of assignment of debt or any other requested information. 

XXXX XXXX is a licensed retailer of XXXX XXXX. XXXX, a XXXX representative, informed me on X/XX/17 not to contact XXXX XXXX XXXX as they are a scam. 

I just want to make sure that the attempted fraudulent collection of {$20.00} will not affect my credit and that Aldous be stopped from continuing these practices.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I'm submitting this compliant due to the fact Capital One has failed to update accurate information on my credit file. I have submitted a request to Capital One on five different disputes ( XXXX, XXXX, XXXX, XXXX, XX/XX/2022 ) and providing court documentation along with credit report showing information is being reported inaccurately. All three credit bureaus should be reporting this Capital One Auto Loan as a Bankruptcy and it was discharged in a Chapter XXXX on XX/XX/2022. This auto loan is still showing up as a derogatory account the account should be reported as closed included in Chapter XXXX with a XXXX balance. A balance is being shown and there is no balance due. I have tried to communicate with Capital One Auto Finance to update accurate information per Bankruptcy laws. My only last course of action will be pursuing a legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Premia Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX XXXX, I made an offer on a home and contacted Premia Relocation Mortgage, a lender participating in my company 's relocation program, to lock in a rate and begin the loan processing. The broker began to contact me with requests for documents and I provided tax returns, IRS transcripts, proof of all income and other documents. Premia ran my three credit reports two different times - once to provide the prequalification in XXXX then again during the loan process in XXXX. Premia began to dissect my tax returns and asking for explanations of deductions and notifying they me they decided to reduce my income based on deductions in my tax returns. Then, Premia asked me about prior addresses and wanted explanations of why I did n't live there anymore. 
From credit reporting, I had an account in dispute - the creditor placed a note for credit bureaus explaining a late payment made by the accountant at a firm who handles some of my business in an effort to offset any penalty for consumer behavior. Premia wanted this removed from my reports so that my credit score would drop. Premia then ran another credit report ( 3 total within a 30 day period ). Finally, this week Premia sent me a new disclosure agreement electronically. The new disclosure established a higher interest rate and new terms. We previously had a rate lock in place and a disclosure along with all financial statements, records, reports, etc. Premia removed all records of the prior contract from the shared library of a website used to exchange documents.
I have purchased and sold numerous properties ( 6 ) and currently have two active mortgages from a rental property I own and my prior home that I am selling, I am not unfamiliar with the loan process. However, I am appalled by this behavior. I am a single professional woman, my children are adults and I was recently promoted to an XXXX XXXX for which I relocated.
In summary, Premia is in breach of a contract both implied and stated regarding a rate lock, performed an unauthorized background check, manipulated the credit reporting bureaus in an effort to alter scoring and dissuade my pursuit of other lenders, and dismissed documentation ( XXXX, pay stubs ) then requested credit card statements. The most recent request was for me to insist that two of my banks change the monthly statements. This type of behavior is beyond unprofessional and skirts legality. It 's certainly not within the guidelines of the fair credit reporting or other policies.

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 2017-09-13
Company: EQUIFAX, INC.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
equifax confirmed that my social security number was subject to their most recent data breach. I registered with their website several days ago and have not received the emailed response as promised. I called their support line and was disconnected when told I would be transferred and then placed on hold several times for a total of 20 minutes and advised that I needed to give them more time to send me an email. It has been 72 hours since they asked me to register in their website and this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
At the urging of bank and sheriff, i put an id security alert on my 3 credit reports XXXX.That problem has solved itself, after Irma hardship , I need a loan and asked that they be lifted and taken off report, Both XXXX and XXXX did so with security questions a month ago, in 1 minutes time. Experian asked for documents in mail which i hate to send, but did .They wrote back stating not enough, called them asked for security questions, said i failed not true all correct, asked to upload license would not take, blocked me re sent all material to them in mail water bil, license very uncomfortable doing this -will not take off report : when i call they get very testy and frankly harassing .please expedite after 1 month taking off id security alert.I now have 5 hrs online time, filed 3reports and expense over and over ridiculous, I'm XXXX and loan turned down, this is listed as reason?? id security alert on Experian..They are so unpleasant to me, stating again will not accept what i send - resent - answered questions I'm positive were correct ( they have incorrect or something ) but most of all the lack of professionalism- '' You better not be recording this shouted '' please help..I believe nothing they are saying ..nothing thank you XXXX XXXX   XXXX, XX/XX/XXXX last 4- 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