BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Card was charged for something you did not purchase with the card

Complaint:
Contacted Bank of America Visa and XXXX XXXX XXXX Fl in regards to {$4.00} and {$180.00} charge XX/XX/XXXX. on my card ending in XXXX. Both companies were told by me that it was not me and my card was used fraudulently. 
Both companies have dropped investigations. 
Neither looked at the video to confirm it was not me. Bank of America said a chip was used so its not responsible. The card was never given to anyone. I live alone and card locked up while at work. XXXX XXXX provided BA with a credit slip with another persons phone number and XXXX XXXX membership #. 
Im not a member of XXXX XXXX. Thanks faxed BA a police report with the XXXX # and it never processed report. BA just dropped case inspite of me pleading it wasnt me. Disappointing after being a loyal card member for 26 years. BA fraud dept. said I had to get credit from XXXX XXXX before I would be reimbursed. Paid Amt. so my credit wouldnt be ruined. XXXX XXXX will not issue me credit. XXXX XXXX says the investigation has to be done purely between Bank of America and XXXX XXXX. 
This occurred at XXXX XXXX XXXX XXXX XX/XX/2020 Time ; XXXX Terminal 4 Transaction number XXXX   Im devastated that as a law biding citizen US and loyal client of Bank of America that it has refused to resolve fraud case and for XXXX XXXX never looking at video. 
Please help me!!! 
Best, XXXX XXXX XXXX XXXX. Also contacted BA CEOs office and XXXX XXXX their consumer advocate never answered or returned repeated calls and supposedly he was going to try to investigate thoroughly. Id say Ive been on my phone 14 hours and neither company will help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$220.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DOXXXX, Amount {$4500.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, AC # XXXX, DO:XXXX, Amount {$550.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX XXXX, AC # XXXX, DO:XXXX, Amount {$16000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO:XXXX, Amount {$730.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO:XXXX, Amount {$120.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX XXXX, AC # XXXX, DO:XXXX, Amount {$650.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. 
XXXX XXXX, AC # XXXX, DO:XXXX, Amount {$870.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO:XXXX, Amount {$250.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible.

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 2022-08-29
Company: Experian Information Solutions Inc.
State: CA
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 XXXX XXXX XXXX submitting yet another CFPB complaint to you today to request that the remaining items be completely deleted from my Credit Report. I have been sending multiple written letters addressed to the Credit Reporting Agencies that they remove the disputed fraudulent items completely from my Credit Report. the most recent letter I sent to the Credit Bureaus was dated XX/XX/XXXX with complete attachments of my personal identifying documents as well as the IDTHEFT REPORT I received from the FTC. These attached documents are requirements to remove any fraudulent accounts and information from my Credit File under the FCRA section 605b. Despite all the letters I have been sending, The Credit Bureaus have become negligent of their responsibility with the FCRA. Under the FCRA section 605b, I am requesting that the remaining fraudulent items be COMPLETELY DELETED from my Credit Report as soon as possible : XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6400.00} XXXX XXXX XXXX Balance - Date opened XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-11
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I made a card to bank transfer from my pua card from us bank on XX/XX/XXXX for {$770.00} it posted in my checking on XXXX/XXXX/XXXX. On XX/XX/XXXX us bank reversed the transaction stating I needed to fax Id then they would refund my account. On XXXX I faxed Id, on XXXX they unlocked my card. I have called over 15 times to see where my money is and get told give it 5 days every time. Now I was given a tracking number and told there is nothing else they can do. I contacted the bank the tracking number is for, which is not mine, and they stated the number only shows them tacking the money back it was never refunded, I call us bank back and is told they cant help me anymore. I have no clue how to get my money back or who can help me. It has been over a month and no one can tell me where my money is.

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 2015-06-17
Company: MOHELA
State: OH
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Approximately XXXX XXXX, 2015, Mohela started robo-calling our home. My husband, XXXX, answered and was told he had a student loan debt. We are XXXX senior citizens and neither of us ever took out a loan to pay for school. The person representing Mohela would n't give him any information regarding the " XXXX '' they were looking for, but wanted my husband 's last XXXX digits of his social security number and his date of birth, which he refused to tell them. The robo-calls continued, so I looked up Mohela 's website XXXX www.mohela.com XXXX and XXXX called the phone number listed there ( XXXX ). He was told the " XXXX '' they wanted had a different middle initial than his and that the calls would stop. They still call XXXX a day. Thank you for your consideration of our problem. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Transaction issue

Complaint:
My XXXX year old mother wanted to purchase a chair lift. We found out that XXXX XXXX XXXX had one in stock. When we went to get the item we were told that the item is NOT covered by medicare. However, after contacting medicare we were told that it IS covered by medicare and that the item should be returned and that XXXX should directly bill medicare. When I notified the credit card company of this situation, they called XXXX and were told that they would not agree to the return. This is medicare guidelines, it is not up to the provider of services. They have added interest month after month and late fees. They call numerous times during the day and this is very upsetting to my mother. Please help me resolve this issue so that she may have piece of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items/account/information below : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Date Opened : XX/XX/2014 XXXX : {$0.00}

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 2020-09-28
Company: BMW Financial Services NA, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
: Service Manager XXXX XXXX sending me threatening letter to place a mechanics lie n and selling my car at auction for non-payment while I have been away for military service. I have paid nearly {$1000.00} and my 3-Series that Ive had serviced there for 13 years STILL DOES NOT RUN! XXXX XXXX has not been able to make any progress or give an accurate diagnosis of the issue since the car was towed there in XXXX of 2020. Service Mgr XXXX now charging me {$1500.00} dollars in storage fees and violating my rights under the SCRA or Service Members Civil Relief Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: Armada Corp.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A company that I have never heard of is using my home address apparently to conduct business and has a court judgement against them that has been turned over to a debt collector. Several months ago we had our mailbox broken into and mail stolen from us and I suspect there is a connection. ( This incident was reported to the Postmaster General )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items/account/information below : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Date Opened : XX/XX/2014 XXXX : {$0.00}

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 2022-02-23
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I choose to send payments to XXXX XXXX ( TD XXXX XXXX XXXX  ) that I initiate through my bank ; I refuse to let banks that I have no relationship with grab money directly out of my checking account at their own initiative. I instruct my bank to send payments to TD XXXX XXXX XXXX 3 to 4 days before the account due date since TD XXXX XXXX XXXX will not accept ACH payments initiated from another bank and requires payments to be sent by check through the mail if I do not allow them to enter my bank account on their own initiative and grab money directly from my bank. For the last 2 payments, although the paper check was mailed 10 days in advance of the due date ( 7 days normal mailing time + 3 days early ), TD XXXX XXXX XXXX claims that they are receiving the paper check 2 days after the due date and subsequently charging me a late fee. Since I have to deal with paper checks to make payments to XXXX XXXX and I instruct my bank to mail the payment check so that is is received on the due date ( not early ) and XXXX has not tried to claim that they are receiving checks late ( thereby charging a late fee ), I know that TD XXXX XXXX XXXX is intentionally holding back receipt of the paper check in an effort to collect a late fee. 

My bank has already processed my XX/XX/2022 payment to get to TD Bank 4 calendar days before the due date so I can not request it be mailed earlier. I want TD Bank to acknowledge the XXXX payment when they receive it in their mail and not a week later when they get around to it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-16
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:
After reviewing my credit report from EXPERIAN, I have noticed that the report shows 6 fraudulent credit inquires that I did not authorize. 1. ) XXXX XXXX XXXX 2. ) XXXX XXXX 3. ) XXXX XXXX XXXX 4. ) XXXX 5. ) XXXX XXXX XXXX XXXX 6. ) XXXX Please investigate and remove these inquiries as quickly as possible. I have included with this complaint copies of all required documentation. Identity Theft Report, Letter to Experian, Drivers License, Social Security Card, Proof of Residence, XXXX  Credit Report, and FCRA 605B

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 2022-08-29
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

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 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: Winklevoss Exchange LLC
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Account at XXXX  ( Gemini Trust ) was funded {$500.00} by ACH transfer. Nothing can be done until account is verified which has not happened in TEN days. No way to contact company other than email which is non-responsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I made an electronic payment for both my XXXX and my wife 's XXXX on XXXX/XXXX/16, so I made XXXX payment on each of the XXXX accounts ( auto loans ). This is not a recurring ( automatic ) payment, it is a one time payment made on each account. The XXXX charges were posted against my checking account on XXXX/XXXX/16. Now, today XXXX/XXXX/16, XXXX identical charges were posted against my checking account. Honda Financial Services, without my authority, duplicated the charges, which has resulted in my checking account being overdrawn. It took me hours to contact them. They informed me it is an error and that I should be receiving a refund. They said it would not be the same day, and could not tell me when I will be issued a refund. When I asked how can you process the payments again without my authority, since I am not on automatic payment, I made a one-time payment on both account, Honda Financial Services did not have a response. I still have no answer as to when I will be issued a refund. The additional payments are not even listed on their website as a pending transaction. This is severely disturbing and should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: JPMORGAN CHASE & CO.
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I made a deposit with Chase Bank on XXXX XXXX 2015 for my charged off account in the amount of {$440.00} at my local branch. I received a receipt from the branch and did n't have any further communications from the bank so I was led to believe that the issue was resolved. Going forward much later on XXXX XXXX 2015 I had a check mistankly deposited with Chase by a third party ( State of Colorado ). Upon calling Chase Bank I was told that my account was still active, no previous payment was applied, and that they would only be returning XXXX of a check of XXXX. I then provided the customer service representative with the recipient information and was told it would be investigated and would be called within 48 hours. I did not receive any follow up within that period and reached out to Chase Bank one week later. I was then told by another supervisor that she did n't have any information and did n't reveal anything until I told her that I would be filing a complaint with the CFPB. She then told me that they were unable to locate the payment and that I would have to go into the branch with the receipt to have it investigated. I then told her that would be impossible as I am out of the state and the receipt was back in Colorado due to being out of town for a family funeral. I also asked if I could have someone email or fax the receipt and she told me that was impossible. She then told me she would speak with her manager and would call me back within 48 hours which she did n't. I then again called Chase Bank a week later and spoke with yet again another supervisor. I was told by this supervisor that there was nothing that they could do and was extremely argumentative the entire call. He proceeded to tell me that the information that the original representative walked me through to provide off the original receipt was incorrect. I asked to speak with a manager as well as provide the number for the Chase corporate offices which he refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio recovery is reporting that Im in collections when Im on a payment plan on automatic debit payments, Im not late on my payment I have called and talked to them numerous times and they keep reporting inaccurate information on my credit report, I dont know what else to do about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: EQUIFAX, INC.
State: AZ
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 have sent letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: HYUNDAI CAPITAL AMERICA
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX or XXXX someone used my information to apply credit for a car loan and was not authorized.

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