BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-19
Company: T.S. Holdings
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have tried to dispute with IQ Data regarding my ownership of the XXXX account ( now showing I owe {$1100.00} ) several times. I was not made aware of this account by the landlord and did not receive anything in the mail letting me know anything would be escalating to collections in 3 years before this showed up on my credit. I never received an itemized statement of my charges- or photos showing proof of any damages along with the itemized statement that never came. When I reported to XXXX for the second time to get this removed from my report, the charges were dropped off- but then appeared again and with a different amount. Every so often a XXXX or so gets added to my charges for XXXX ( and IQ data is overseeing my collection for another property which is interesting ) so they can keep adding to my report. They are also not doing their due diligence to follow up with the other person who is supposed to be on the joint account and only contacting me during my work hours. They have removed this account from the other person who had JOINT responsibility, but not from my credit. This needs to be removed. There is no proof of charges, there was no contact made so I could dispute before this hit my credit, and now they are not reporting accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022 I went into a Chase branch to sell my Truck. The buyer was a Chase client as well. We obtained a payoff amount on my truck loan and the buyer came in with a cashiers check to pay off my auto loan. The balance or equity I had on the vehicle was supposed to be transferred from Buyers Chase savings account and deposited into my Chase checking account. But the teller made a mistake and applied the full amount ( XXXX ) towards the auto loan overpaying it by almost {$20000.00}. Chase auto has been holding those funds and not releasing them to me causing me to not be able to purchase another vehicle I had on order for over 3 months in addition to having to run up my credit cards. Its XXXX XXXX with no resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a checking account on XX/XX/21 with a welcome promotion of needing " make recurring qualifying direct deposits totaling at least {$5000.00} per month for 3 consecutive calender months from the second full calender month after account opening '' i completed amount {$5000.00} on XX/XX/21, {$5000.00} on XX/XX/21, and {$5000.00} on XX/XX/21. 

the requirements were met. i have called and spoke to their customer reps twice. the time to review has passed and have not been credited the {$450.00} welcome offer. 

i was given a case # XXXX from XXXX reps.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I created a Venmo account in XXXX of XXXX  so that my cousin could pay me money she owed me. My account was then frozen by Venmo with {$270.00} in my account and they would not give me a real reason why they froze my account. I have contacted them numerous times and they refuse to answer me, and have stolen my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: EQUIFAX, INC.
State: TN
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 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: ACIMA CREDIT, LLC
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: Was not notified of investigation status or results

Complaint:
To whom it may concern, My name is XXXX XXXX and I am writing in regard to my credit report. I reviewed the report and I can tell that there's an error in it. I am paying on time as agreed. These reported late payments are inaccurate. This situation is affecting my credit status that leading to credit denials and higher interest rates. 

ACIMA XXXX XXXX XXXX Account # XXXX Date opened - XX/XX/2017

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-23
Company: Experian Information Solutions 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:
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 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 2022-06-21
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I mailed a check to Barclays to make a payment on my daughters credit card. The check was drawn on my XXXX XXXX investment account. The Check # XXXX was cashed by Barclays on XX/XX/2022 sequence number XXXX. The {$300.00} payment was never applied to her card # XXXX XXXX XXXX XXXX. My daughters name is XXXX XXXX she called Barclays and them emailed them information in mid XXXX. The responded back with an email that said the payment was applied on XX/XX/XXXX. That was a different payment also for {$300.00} that she sent because they notified her that the was delinquent. I as her father have called twice since on XX/XX/XXXX and again today XXXX as well as sent documentation of the cancelled, cleared check. I have been give multiple case numbers and spent hours on the phone trying to fix this for her, she is a XXXX year old college student. Today I was on the phone for 1hr and 13 minutes and talked to four different people, al to get a new case number XXXX. The original check was cashed by Barclays on XX/XX/2022, it has cleared my account but has never been credited against my daughters card. My name is XXXX XXXX and my contact number is XXXX. Please help! XXXX is trying to establish credit, and was enticed into applying for the card with the offer of american airline miles.

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 2022-06-21
Company: Westcreek Financial
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: Was not notified of investigation status or results

Complaint:
To whom it may concern, My name is XXXX XXXX and I am writing in regard to my credit report. I reviewed the report and I can tell that there's an error in it. I am paying on time as agreed. These reported late payments are inaccurate. This situation is affecting my credit status that leading to credit denials and higher interest rates. 

XXXX XXXX XXXX Account # XXXX Date opened - XX/XX/19

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XXXX XXXX I called Bank of America because I saw some transactions that was made in XXXX and I was in XXXX they looked into it Bank of America said Im in good standing with them. But when I tired to open and bank account it said I had some on my report saying fraud..

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 2022-06-21
Company: V and H Portfolio
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: DISCOVER BANK
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:
Two months ago I checked my credit report as I was preparing to shop for a house and realized there were multiple inaccuracies as well as FRAUD associated with my report. Currently, there are FRAUD accounts on my report and one has been placed in collections. The accounts are as followed : Discover Bank, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  and XXXX XXXX XXXX I never authorized for these accounts to be open nor have I ever opened these accounts myself. All of the accounts stated have been open against my will and need to be deleted immediately as I am a victim of Identity Fraud. I've reached out countless times to XXXX and the banks in question to get this situation resolved and no one seems to be budging. They refuse to delete the accounts in question, they refuse to do there own investigation, and insist I am responsible for the debt when in reality I AM A VICTIM OF IDENITY FRAUD. I've filed an identity theft report and sent it to all banks in question as well as XXXX. They've all been aware of the identity fraud in question. 

The dates and totals of the identity theft are as follows : Discover Bank : Was opened on XX/XX/XXXX with a {$2300.00} credit limit and is currently being shown as a Charge-off. 

XXXX XXXX XXXX : Was opened on XX/XX/XXXX with a {$1100.00} credit limit is a currently closed and 150 days past due. 

XXXX XXXX XXXXXXXX XXXX XXXX Was opened on XX/XX/XXXX with a {$500.00} limit and is currently being shown as a Charge-off with a past due balance of {$720.00}. 

XXXX XXXX : Was currently opened XX/XX/XXXX and is currently being shown as a charge off. The credit limit is not shown on my report. 

As you can see there is clearly a pattern as 3 out of the 4 fraudulent accounts were all opened around the same time in XXXX. ALL OF THESE ACCOUNTS WERE OPENED AGAINST MY WILL AND I AM A VICTIM OF IDENTITY FRAUD. THIS IS NOT MY DEBT!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: CURO Intermediate Holdings
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: A.R.M. Solutions, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
When I signed up for XXXX XXXX XXXX, I was told explicitly that I was signing up for a 12 month plan only and that my card would only be charged for that amount. I was sent an invoice for an extra month and after a conversation with customer support, it was determined that this was an invalid charge and they refunded this to me. They also sent me an email stating as such. I recently received a letter in the mail for debt collection for this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: EQUIFAX, INC.
State: TN
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 am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because of these violations.

According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights. 

XXXX. XXXX XXXX # XXXX XXXX. XXXX # XXXX. XXXX XXXX XXXX XXXXXXXX XXXX not my accounts, ssn was associated with another individuals account information XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX not my accounts, ssn was associated with another individuals account information XXXXXXXX XXXX  XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
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 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 been trying to get these negative items investigated and removed off my credit report because I have no knowledge of these accounts. The credit bureaus XXXX, XXXX, Experian have deleted the accounts which confirms that the information is incorrect. However they placed the items back on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Mortgage Research Center, LLC
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XX/XX/2022, I submitted an application to Veteran 's United for a pre-authorization for a mortgage loan. When I checked my credit a month later, it had a XXXX XXXX XXXX added to it. I did not finish applying for the loan, and did not take it out. This brought down my credit to the point that I am having trouble applying for credit lines. I do not owe the company any money. I contacted XXXX and they stated that if I were to get a letter from the company stating they did not intend for this to happen, I would be able to get the inquiry removed and everything would be reversed. I have emailed the company, and they said there is an adhesive disclaimer stating they may make a credit inquiry. The adhesive clause does not provide that XXXX points can be taken off of my credit score. Since this went through all three credit bureaus and they have a scoring model defect, I was directed to take this issue up to them. I am very upset that this has happened, I believe the credit bureaus need to have scoring models that are not bias against a consumer for not getting a line of credit. I also believe that this is an excessive amount of points to be deducted. United Veteran 's will not give me a letter to remove this inquiry from the bureaus.

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 2019-10-19
Company: Riverwalk Financial Corporation
State: FL
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:
Hi, I submitted a request from CFPB recently and was told that my dispute was closed due to, it looked like a credit repair company that had put in the complaint. I do not work with any credit repair company, I submitted those docs after doing my research in regards to Identity Theft, and the docs that i submitted came from off the FTC site. I am a victim of Identity Theft, I wrote the credit bureaus in regards to this matter and the disputed accounts were deleted from my file and was re-inserted again. I do not understand how these credit bureaus have so many Data Breach, 1,2, and sometimes even 3 breaches a year and not pay attention to the consumers, after told the fraudulent accounts on their credit file was due to identity theft. They are the ones who are committing the frauds on the consumers, along with collection agencies. I am a Veteran and have a mortgage pending and these fraudulent accounts are making it hard for me to close on a house. its is not fair to the consumers who have to go thru this with these credit bureaus. I did not get any letter from the credit bureaus in regards to re-inserting these fraudulent accounts. I do my research, I served this country for 12 years and have to go thru this with these crooked credit bureaus and collection agencies. they delete it from your credit file, then reinsert it after another and another collection company buys the debt. its unlawful the way this goes on. The collection company Deville Ast Management has fraudulent accounts : XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX and XXXX XXXX  acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I initially opened a claim - XXXX - and just got my response back and the reasoning is ridiculous. 

My complaint was because I was scammed out of my money by a verified user on XXXX, but unfortunately they had their account hacked, so the money I sent them for charity went into a scammers pocket. 
Because of that, I went to a local branch of Bank Of America and asked for help and was told " We suggest you don't use XXXX. '' That comment, and the unwillingness to help, led to my complaint. Not that BoA made an error. 
My reasoning is why offer a service and tell your customers to use it, but offer no protection for when they do use it, and are unwilling to help them when they do use it, and that you're own employees caution you about using it in the first place? 

In response to my complaint, BoA said it's not their error and I should contact the person I sent the money to and ask for it back. 
Yes, I'm supposed to contact a scammer, that hacked someone's account, and ask for it back. How does one even go about doing that? If I knew who that was, I would be going to the police, not making an online complaint. 
Believe me, I've tried tracking this person down, I found numerous fake companies associated to them. I found an address in ND, which is most likely fake. But I've tried! 

XXXX is a system designed for scammers, where all the protection goes to the scammers, and BoA and XXXX know this and refuse to change anything or help in any way. 
" Not our problem '' and washing their hands and turning their backs.

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