BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I was a long time Bank of America customer. I closed my account because they have no branches in my current state ( UT ). After having paid in full, I closed my accounts and moved. My now closed account was charged by an annual subscription to XXXX that I was unaware of. They accepted the charge to my closed account and I did n't pay because I had no further relationship with BoA. I went to apply for a home loan and was told this delinquent payment existed. I immediately paid it in full, however they have refused to remove either the charge or the delinquent statement from my credit. Their mistake will cost me thousands of dollars on my home loan and I do not know what to do. They have been absolutely unreasonable and though the individuals I have dealt with have been sympathetic it comes down to this : I can never full end my relationship with BoA. I now how to watch them for years to come ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not recognize any if these accounts because on that period of time I did not visit hospital. Somebody used my personal information. Please remove incorrect information from credit report as soon as possible because it does not belong to me. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to  positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.

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 2022-03-20
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2016-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
MY KEY REASON FOR ONLINE BANKING OPERATIONS IS TO AUDIT MY BANK ACCOUNTS FOR ACTIVITIES DAILY DEALINGS WITH BANK EMPLOYEES INTO MY BANK ACCOUNTS. 
XXXX MISSING FROM MY CHECKING ACCOUNT. THE FACTS AS OF XX/XX/2016. 
WITHDRAWALS {$400.00} dollars and SPENT {$20.00} FOR GROCERIES, LEAVING MY CHECKING ACCOUNT BALANCE AT {$120.00}, ADDITIONALLY, AS OF XX/XX/XXXX A CREDIT DEPOSIT CAME INTO CHECKING FOR {$220.00} BRINGING THE ACCOUNT TO {$340.00} THE BANK IS PROCESSING {$220.00} FROM CHECKING TO THE LINKED SAVINGS ACCOUNT WHICH SHOULD LEAVE ME A CHECKING BALANCE OF {$120.00}, BUT THE CHECKING ACCOUNT BALANCE IS ONLY AT {$18.00}, THE ACCOUNT IS MISSING {$110.00}, THIS ALWAYS HAPPEN WHEN BANK EMPLOYEES ARE MAKING TRANSACTIONS INTO MY BANK ACCOUNTS, THANK YOU.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: JPMORGAN CHASE & CO.
State: MN
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:
Lost my card and reported two unauthorized international charges on my credit card and Chase decided to deem them non-fraudulent due to chip detected. 

Reversed transaction dates - XX/XX/2022 - XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a past due balance from child support enforcement reporting to all XXXX agencies. This was paid in full in XX/XX/XXXX and updated on my credit reports in XX/XX/XXXX ( removed from both XXXX and XXXX ). I contacted the child support enforcement agency to confirm that they also sent updated information to Equifax and was advised that they did. I disputed the information to Equifax and advised that the balance is incorrect and the payment information was also incorrect. I attached a copy of my current account statement and requested investigation. Equifax advised that they investigated and found a past due balance and last payment information. Both are incorrect. I do n't believe they investigated at all. The past due balance that they claim was updated is exactly the same as it was when I filed the dispute. They are also reporting this account as a collection account. I have no collection or past due or arrears balance with child support and in fact, due to the way my order is structured, receive a refund for overpayment in the amount of {$25.00} every single month. Equifax is not correcting the information, and as I stated, I do n't believe that they investigated this at all, or they would not still be listing a collection account or at the very least would have corrected the past due balance. I have attached the same document I sent them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I contacted Bluebird Amex prepaid credit card company numerous times. My card has expired and I merely need a new replacement card with an updated expiry date. The one I have currently expired on XX/XX/2021 They keep giving me the run around. Today I called and they said that the address they have on file is not valid. I have lived at the same address which they have on file for nearly XXXX years! This is such a stupid issue & I just don't understand the gameplay. I have money on the card and can not use it because of the expiry issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-15
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I paid in full BOTH of my XXXX XXXX XXXX cards, at the SAME TIME years ago. This was to close both accounts after they allowed someine else to fraudulently change my address, refused to give me access back into my account, and then tacked on late fees when I could not recieve or access my bills. I had moved to the XXXX and someone contacted them and sent my account to a random POBox! I even spoke to them on the phone after the PIF to close because they kept trying to send me small bills with " fees '' after the PIF that were " processing fees ''. These " fees '' piggy backed off of eachother and I had enough. Here I am years later and 1 card is still showing a charged off balance, not a paid in full. Now, they have placed this as an existing line of credit being utilized and is impacting my credit score! They even hit me with a " late payment '' last month. Late payment for what?! I do n't have an account! I make every payment on time, this is crazy! They also only reported it to 1 of the 3 credit reporting companies when they did this new fraudulent move.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: ROBINHOOD MARKETS INC.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have an issue about stock account with XXXX  On XX/XX/2021, XXXX days ago, I found that I was not able to log in to XXXX account and was not able to reset password and could not verify account information. 

I sent them emails to resolve the issue but they haven't responded not a single time so far. ( XX/XX/2021, XX/XX/2021, XX/XX/2021. XX/XX/2021, XX/XX/2021 I sent emails to them XXXX but only email was automatic email response that they will contact me within XXXX days. but it did not happen. 

in the meantime, MY ACCOUNT IS HACKED. 
I confirmed the my account has been controlled by hacker and fund is transferred some other person. ( I was able to see that because I still receive push notification to my cell phone ) - attached notification that I received. 


and {$2500.00} was transferred to other person 's account ( which I can't verify ) definitely it did not come to my bank account. 
on top of that, any possible trade/transaction is happening against my intention.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: Experian Information Solutions Inc.
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:
Im having a issue with Experian and XXXX refusing to remove false late payments and false debt amounts. I have disputed the item several times. I have disputed items so much Im blocked from disputing the item. They are in direct violation of 15 U.S. code 1681b permissible purpose of consumer reports. I didnt not give anyone written instruction to furnish a report on me. I was told they didnt need my permission, which is false Second violation 15 U.S. code 1603g the consumer is the creditor, thats me so why are they reporting fraudulent debt. 42 U.S code 408 asking for a social security number on any credit transactions or loan because there is no lawful money is a crime. Clearly these company are violating all the consumer laws and reporting fraud. All debts are obligations of United States 18 U.S code 8

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 2022-10-02
Company: Experian Information Solutions Inc.
State: IN
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:
Someone is using my information to try to open up fraudulent accounts without my knowledge or permission. Please see below : 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 XXXXXXXX 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 2023-07-14
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX XXXX entered into a consumer credit transaction with CAPITAL ONE AUTO FINANCE on XX/XX/2019. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but CAPITAL ONE AUTO FINANCE took cash. The finance charge is suppose to include insurance but CAPITAL ONE AUTP FINANCE made me purchase insurance separately. CAPITAL ONE AUTO FINANCE is also obligated to disclose information about rescission pursuant to 15 USC 1635. In fact, CAPITAL ONE AUTO FINANCE told me I had no right to rescind in a statement called " COOLING OFF PERIOD ''. CAPITAL ONE AUTO FINANCE furnishes my consumer reports with XXXX party organizations without my written consent pursuant to 15 USC 1692c ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: PA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX  XXXX Balance : {$150000.00} XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX Balance : {$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 explanation
Consumer complaint received 2022-07-06
Company: Experian Information Solutions Inc.
State: SC
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days.

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 2021-10-06
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have previously filed a complaint against PayPal And the response came as follows : " Pursuant to the aforementioned section of the User Agreement, PayPal may hold your Account balance for up to 180 days if reasonably needed to protect against the risk of liability and refuse to provide PayPal Services to you in the future. 

We will make any remaining funds, fewer reversals or debits, available to you for withdrawal on or before XX/XX/2021, and we will notify you of this via email. '' ______ Well, my money has been held for 180 days! 

Now I logged in to my account and find that they stole the money coldly : ) ( shown in the attachment ) And they gave a reason for this : {$600.00} USD PayPal Posting Date : XX/XX/2021 Payment to : PayPal PayPal 's damages caused by Acceptable Use Policy violation Damage!!!! I now want them to explain the damage now : ) ( If they can ) Really if you use a large number ( for PayPal ) of virtual cards Is this a violation? OK I agree But where did my money go? 

They gave me the possibility to link a bank account to withdraw my remaining money!! 
The remaining money be like {$0.00} If the case is not ended in my Favor, this is enough to escalate the case to federal courts to get rid of this @ $ % ^ & * My money is not a toy in your hands I'm the one who was Damaged for 180 days from not being able to access my money, not you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-14
Company: Grain Technology, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Grain Technology has hundreds of their clients locked out of their accounts. We are unable to process our account information, pay down our debt, or withdraw funds from our accounts going on 5 months. Ive reached out numerous times, but they do not have any sort of customer service set up. They ignore complaints, and now they are stating they will report late payments on my account even though i had no access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-20
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello, I received correspondence that I allegedly owe a debt to Chase. I have sent out letters with no response, I also have copies notarized of all the letters I have sent. I'm a XXXX XXXX raising and taking care of a XXXXyear-old, and truthfully Chase I truly do not have time for this XXXX. Please, Chase Executive Office, look into this and if required have someone else as well. I was a victim of fraud, and I wanted to continue my partnership with Chase and become a J.P. Morgan Client, for which I now have the required assets to do so XXXX XXXX. But, I will not pay an alleged debt where I was a victim of theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not consent to, nor benefit from, or authorize any of the following accounts : US DEP OF ED/XXXX  XX/XX/XXXX {$54000.00} US DEP OF ED/XXXX  XX/XX/XXXX {$4100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not consent to, nor benefit from, or authorize any of the following accounts : US DEP OF ED/XXXX XX/XX/XXXX {$54000.00} US DEP OF ED/XXXX XX/XX/XXXX {$4100.00}

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