BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-02
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am XXXX XXXX, and on the XXXX Of XXXX I deposited my pension check into my account. On the XXXX Of XXXX I tried to withdraw fund but, the funds has not cleared. 

I called the bank and ask why, and their answer is that my pension is being held by The Federal Reserve 6-10 days. I ask why would The Federal Reserve hold my account funds, and I was told due to a lack of funds. This has caused problems for me due to payment obligations.

I have never heard of such. Can you help me? XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-04
Company: Ascension Recovery Management
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sold my car in the California Cash for clunkers program last year. This year I received an erroneous collection agency ( Ascension Recovery Management, LLC ) charge for a payment of {$1400.00} dated XX/XX/2021 related to some tow yard issue with the car after my sale to California. They have been unwilling to provide support for why this charge was levied to me or how they got the car or how to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: General Motors Financial Company, Inc.
State: MO
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 this creditor has violated my rights under 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 an without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open and end consumer credit plan as for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
State: OH
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 XXXX XXXXXXXX Account Number XXXX, XXXX XXXXXXXX Account Number XXXX, XXXX Account Number XXXX, XXXX Account Number 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24
Company: EQUIFAX, INC.
State: NC
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 letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: ID Analytics, 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:
TODAYS DATEXXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX  XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX  system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The following incident occurred with USSA Federal Savings Bank : Wednesday XXXX XX/XX/2022, at XXXX, I logged into my USSA savings account to increase my daily limits for ATM withdrawals. I needed to pay a contractor that did construction work on my home and wanted to pay him first thing in the morning when he came by. When I made an attempt to withdraw funds, I was unable to. I called USAA and told them what I was trying to do. I was made aware that the increase in funds did not allow for an increase in ATM withdrawals, I was only allowed to withdraw {$610.00}. I made mention that I was unaware of that. The representative recommended that I make multiple attempts to withdraw what I needed. When I tried, I was immediately locked out of my account. I went home and got online, and I was locked out of reviewing my account online. Ii called back to inform USAA what happened and was advised to contact them the next morning. The next morning I contacted USAA and was told that my account was sent to the fraudulent department and would be locked for three days. I mentioned to them that it was not fraud and explained what I did. They said it wasn't anything they could do once it reached the fraud department. I asked them if I could speak with a supervisor and was told that there was no one else higher I could speak to. By my account being locked, I was unable to travel that weekend, plans that have been made weeks ago. Hotel reservations had to be canceled, I was unable to put gas in my vehicle, nor by any food for the house. Once I got through the weekend I called because it was day three. I was told my account was still being reviewed. I mentioned to them that my XXXX XXXX  pay, my XXXX check, and my paycheck was just deposited, and I needed access to my funds. All I received was a sorry for your inconvenience. I have been humiliated because I have taken two personal days off work because I can not put gas in my car. I have canceled my doctor 's appointment with XXXX XXXX, which I have waited 6 months for an appointment. I have called every day and now it is day six and I have had services in my home turned off even after explaining what happened. Some agencies are working with me. I mentioned to USAA how this has affected me and that I have XXXX XXXX XXXX  and my XXXX  and XXXX has gotten the best of me. They continue to say, there is nothing they can do. The humiliation I feel is because I am begging them to release my money so that I can function. As soon as this ordeal is over, i am transferring everything to another account and will never do business with USAA again. They have horrible reviews and they supposed to support the Military, retirees and their families. They do not care about the financial turmoil I am currently in or my XXXX state.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I am a customer of 5/3 Bank since 2008. I have 3 checking accounts with them.

During all the years, 5/3 has consistently paid the largest amount and left smaller ones unpaid in order to charge " non-sufficient funds fees ''. Then, they started charging service fees in the account " with the lowest amount of funds '' again, to charge non-sufficient funds fees. I contacted them early XXXX  regarding fees going from {$11.00} to {$29.00}. They told me they charge fees on fees.. I said then that I would pay what I owed by the end of XXXX. We agreed that I would pay and that it would be it. But, since that day, I have received phone calls from their XXXX offices, as early as XXXX XXXX in the morning, telling me about the fees. In the beginning, I answered and told them that we had made an agreement. But, that did not change the MANY DAILY CALLS FOR OVER 3 WEEKS from early in the morning until late at night. It has been constant harassment, telling me time and time again about the charges made, but never checking the payment arrangement we had already agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Experian Information Solutions 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:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681a number 3. You ( XXXX, XXXX, Experian ) assumed this role without permission. Not only that, you did not have my consent, you guys did not respect my right to privacy which is under 15 USC 1681a number 4. You did not exercise your grave responsibility. You were unfair and you were partial. I have already taken the liberty to file a CFPB report and an Attorney Generals complaint. You never had permissible purpose under 15 USC 1681b number 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. What Im demanding is that you delete inaccurate information such as ALL inquirys and XXXX XXXX account it says the account was charged off in XXXX. 90 days late in XXXX and closed in XXXX. How can that be? The entire account is inaccurate, on XXXX, XXXX, and Experian and has been for 2 years and has caused me serious harm. See attachments as proof. 

( 2 ) The term serious harm means any harm, whether physical or nonphysical, including psychological, financial, or reputational harm, that is sufficiently serious, under all the surrounding circumstances, to compel a reasonable person of the same background and in the same circumstances to perform or to continue performing labor or services in order to avoid incurring that harm. 

Source : 18 USC 1589 ( c ) ( 2 ) 15 U.S. Code 1681b - Permissible purposes of consumer reports |

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 2021-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had a checking and savings account with Bank of America roughly about 3-4 years ago. I had this bank for quite some time and never experienced any issue with fraud much like I have never issued any fraud issues at all in my life. I had lost my information, due to losing my wallet, called the establishment to let them know. I did was I supposed to do as a consumer. They called me back and asked me if I was aware of any fraud and I let them know that my information had been stolen. Mind you this was years ago so I can not recall every aspect however I do remember calling to let them know it had been stolen and that they should have all these called recorded. They ended up closing the account which was fine because I was unsure of where my documents were as I did not have my wallet. I attempted to open a bank account for years after and was never told a reason as to why I wasnt able to open one until earlier in the year. I was given a number to call and reached to out to Bank of America to be educated that I had a fraud on my account. Which was weird because I had never been told that fraudulent activity took place I was only told if I knew about anything. I opened a claim because obviously I didnt know about it and need to open an account since I have things I need to take care of. They opened the claim and it took 3 months for me to find out they denied my claim. Once I asked why they told me that it happened on my banking app. Which was weird because I obviously never submitted a check for the said amount. I have been hung up on transferred to extensions that do not work, and been given a run around. I asked for proof of statements as well as proof at this said check and to no avail because I have not received either. I spoke to one woman who was telling me 2 different amounts. They said it was a XXXX dollar charge then it was a XXXX dollar charge. They can not supply me proof of either. I was told I would get the proof in the mail and all they sent me was the determination letter once again for the claim. This is all a mess and this is ridiculous. If you can not supply me proof then what is it that you are doing? Also I have proof of the phone calls and will need an email to send them too as they are not able to attached to a link. You will see how horribly Bank of America has handled their consumers and how there is no determination to handle this effectively.

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 2022-08-24
Company: Lockhart, Morris & Montgomery Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Lockhart, Morris, Mont is attempting to collect a debt for XXXX XXXX XXXX, company about three years ago did a partial install and called it complete home safety, which left more than half of my home unsecured. When questioned, I was told and additional fee was needed to complete home and its entirety. 

I was not happy with that arrangement and decided to decline future services by canceling by phone. I am requesting a verification and validation of this account along with a payment history since they claim I contracted out their services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a Capital One Spark Business Visa Credit Card. I have an Acquaintance who owed me some money. She owns a Jewelry business and asked me if she could pay me back through credits as an expense to her jewelry business into the Capital One Credit Card. I did not see any harm and she made multiple payments. All of a sudden Capital One believed that these payments were fraudulent. I was out of the country when my credit card stopped working. The caused incredible problems and stress for me. I do not know anything about whether the credits were valid or not but she did provide a XXXX  XXXX XXXX statement that showed the transfer from that account to Capital One. They placed a restriction on my account. That resulted in their returning all my auto payments for phone, utilities, etc. which was devastating because I was in XXXX. This also has impacted my credit and resulted in incredible stress. 
Approximately, a week later when I returned to the US I transferred {$30000.00} to bring the balance within my credit line, and then paid the rest of the balance. I currently owe Capital One nothing. However, they have continued the restriction and continue returning my auto payments. In addition they will not give my access to my XXXX points which is worth $ XXXX. They say that the restriction will stay until they are able to verify my acquaintance 's ownership of that account. I am trying but I have no way to do that. Therefore, they have effectively stolen $ XXXX from me. 
I did not make the payments. I have repaid every dollar of the payments that were made. Capital One has been paid in full. I can't verify the ownership of the accounts. I have called multiple times and there is no one I can talk to who can resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
State: VA
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 XXXX Account 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 166B : 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 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 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX Account 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 166B : 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 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 2022-09-30
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I previously submitted a CFPB complaint about an inquiry I didn't recognize to Equifax : XX/XX/2022, XXXX, XXXX XXXX XXXX, XXXX, GA XXXX Equifax stated in their response : " XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. '' That is not true. The inquiry is listed on my Equifax file. That is how I discovered it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: EQUIFAX, INC.
State: NY
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:
Please take a look at my contract never did a agree that a XXXX monthly payment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: JPMORGAN CHASE & CO.
State: CA
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:
It is XX/XX/XXXX and I haven't received a pair of shoes I ordered on XX/XX/20. Chase refuses to redispute the charge. 

Order Date : XX/XX/20 Order Amount : {$210.00} I ordered shoes with my Chase Sapphire Reserve on XX/XX/20 from XXXX XXXX. A month later, I never received shipping information, so I reached out to XXXX XXXX. They said they would ship them in XXXX. I asked to cancel the order, and XXXX XXXX said no, so I asked Chase to reverse the charge. 

Chase reversed the charge, but then undid the reversal. I then decided to wait until XXXX to get the shoes. 

The shoes were supposed to ship on XX/XX/XXXX. I reached out to the company a few days after this, and they said they were delayed. I reached out a 2nd time, and they stopped responding. XXXX XXXX refused to cancel my order and stopped responding. 

I called Chase and asked to re-dispute the charge, and they said I should send an email to their redispute requests email address. I did this on XX/XX/20, and weeks later ( on XX/XX/20 ) I was told that my dispute was declined. I called Chase again, and they told me to send another email.

Company response to consumer: Closed with explanation