BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX : # 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 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 2023-01-21
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened personal checking accounts in CITI Bank, in XX/XX/2022, then I deposited my clients checks into the account and also ask XXXX to deposit my money into one of the accounts, but all of sudden my bank app didnt show my accounts information then I called the contact us the agent told me your accounts are suspended as of XXXX XXXX and you will get your money that you deposited within 30-60 days. I waited 30 days no checks arrived I called again they said its in process by Fraud Department I asked why thy said you deposited business checks into personal checking and this is against Citi bank policy, I said so this is a mega crime and I have to be punished? No answer or explanation was given to me exempt its against bank policy. I waited 74 days then called again and now they said there is no money in my accounts and I have to contact the clients issuers of the checks and ask them if they can issue another check.

Im writing this complaint because bank treated me like a criminal just for depositing business checks into the personal accounts and no answers for XXXX benefits what happened. 
I like to seek help from you because my numerous contacts with the bank lead me no where with all my deposits and funds that they confirm by mail. 
Please Help, Many thanks in advance, Regards 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 explanation
Consumer complaint received 2023-06-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Hi, on XX/XX/XXXX, I mailed a payment to XXXX XXXX, check was made payable to XXXX XXXX in the amount of {$3400.00}, this check was stolen from the mailbox and fraudulently endorsed and deposited to XXXX XXXX XXXX on XX/XX/XXXX. This check was cleared from my chase account on XX/XX/XXXX, i discovered this a week later after i got an email from XXXX that my payment was not received, I immediately filed a claim, and to this day i have not gotten my money back from chase, I am being told every time, that they are awaiting a response from XXXX  XXXX XXXX. I have been working with a manager from chase who keeps telling they are still waiting, yet he read a disclosure stating that chase can give me credit pending the investigation, yet they are not willing. I would like my money back as this is FRAUD, chase acknowledge this issue as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Experian Information Solutions Inc.
State: NV
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:
Re : Reinvestigation and NOTICE OF DEFAULT AND OPPORTUNITY TO CURE WITH THE INTENT TO SUE FOR DEFAMATION. 
The main law mandating that CRAs ensure the security and confidentiality of personal information is the Gramm Leach Bliley Act ( GLBA ) enacted in 1999. Because of your data breaches, along with your inaccurate incomplete reporting of my nonpublic personal information, you have FAILED in your obligations to protect me as a consumer/natural person. 
You say that you verified these negative inaccurate items that are still listed on my consumer report. I want to know HOW were they verified? What was the method and or process of your re-investigation? 
Who did you speak with? 
What is their job title and/or position within the company? 
What is the address where they are located? 
What is their direct phone number? 
Where is the actual updated report that they sent you along with the accounting ledgers and original contracts?

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 2022-12-11
Company: PNC Bank N.A.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
When I assumed my loan XXXX, my escrow payment including all insurance and taxes was {$330.00}. After receiving a one time real estate supplemental tax bill that PNC stated they would pay on my behalf in the amount of {$1100.00} my projected escrow payment increased to {$630.00}. This amount is erroneous because my annual taxes did not increase nor did my insurance to justify an increase of an estimated XXXX monthly. When I spoken to three customer services representatives ; they stated someone incorrectly entered my annual taxes to reflect {$7400.00} annually. My annual taxes are {$2000.00} and my insurance is approximately {$600.00}. They stated they was going to complete a second escrow analysis and correct the taxes on XX/XX/2022 ; after completion of the analysis the issue was still not fixed after sending them my real estate tax bill from the county verifying my tax bill annual about. This is creating a financial hardship from someones oversight and errors inputting my tax amounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-15
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Hi, a credit card was open under a different name using my personal information. I was unaware. I called Comenity Capital Bank. They closed the account down, now I have to get this matter resolved because it affected my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04
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:
Whereas every obligation is to be discharged upon payment, dollar for dollar ( in any coin or currency which at the time of payment is legal tender for public and private debts ). And where every provision contained in any law authorizing obligations to be issued by or under authority of the United States, is hereby repealed ; please take the necessary steps to discharge any debt incurred from consumer credit transactions on this card under HJR 192. 

Additionally, in accordance with 15 U.S. Code 1666 ( A ), please take the necessary steps to credit any balance created in connection with consumer credit transactions on this credit card. 

Capital One Venture One XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
Capital one bank, XXXX XXXX, XXXX, and XXXX is reporting 3 late payments on my credit report therefor prohibiting me from obtaining any new credit accounts with any other financial institution. In addition to that because of this my credit score has dramatically decreased.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : 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 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 To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Early Warning Services, LLC
State: CA
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:
Dear Sirs, I just received an updated credit revision in the mail today. I'm assuming this was mailed on XX/XX/XXXX. I have attached the copy of the updated Consumer Report. I circled the items on the XXXX accounts to show the discrepancies. The Contributor is XXXX XXXX XXXX # XXXX incident XX/XX/XXXX. This is why I know that Early Warning is targeting me. Please note that the last four digits of this account is the same as XXXX XXXXXXXX They have my drivers license updated through XX/XX/XXXX? During this time period it would've expired XX/XX/XXXX.. I haven't had a banking relationship with a XXXX XXXX XXXX XXXX since XXXX. There is no way XXXX reported my current license expiration to XXXX. There is the same account as XXXX XXXX XXXX XXXX account XXXX XXXXXXXX that was deleted XX/XX/XXXX. I didn't open an account in XXXX with XXXX. 
The Contributor XXXX XXXX XXXX XXXX XXXXXXXX incident XX/XX/XXXX is the same account with XXXX XXXX XXXXXXXX account XXXX XXXX. The last four digits on these accounts are XXXX XXXXXXXX. The account with XXXX XXXX XXXX XXXX XXXX the same account that was deleted on XX/XX/XXXX. All of the XXXX accounts are the same. If the two XXXXXXXX XXXX  reported have the same information. They were deleted. Early Warning is erroneously still reporting the two XXXX XXXX XXXX accounts. They should be deleted. Please LOOK at the details of both accounts. My FCRA have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
My father passed away on XXXX and mother passed away on XX/XX/XXXX. They had an reverse mortgage with bank of america, In XX/XX/XXXX the bank try to foreclose on my father stating that they paid the taxes and insurance on the house we prove that my father paid the taxes and insurance so the bank was denied the foreclosure, after my father passed away on XX/XX/XXXX bank of america file for an hearing in state of south carolina XXXX of XXXX common pleas court to foreclose on the house the lawyer for bank of america stated the same about the bank paying the taxes and insurance but the judge stated that it was prove that my father paid them, the the lawyer for bank of america state that the reverse mortgage was in default because my father Pass away that was not a true statement, what happen the due and payable i was supposed to receive and the chance to sell the house by the heirs, the lawyer had my name and address my father added me in XX/XX/XXXX so if needed they could call and talk to me, when i found the summon ine the mail I call and talk to the lawyer for bank of america he could not tell me what exactly was due, the judge stated he does not understand reverse mortgages so he ruled for the bank to sell the house, all the heirs rights was takng from us, I witness on the application when my parents got the loan and the banker told me that the heirs will have a chance to buy it first that is why I sign to witness and that is why i call bank of america lawyer but the heirs right did not matter and if I was to lie in court like the lawyer did i would have been found in contempt of court, I am the PR for the estate.

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 2023-03-16
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 
XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX Balance : {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } { Credit Bureau : ALL 3 } { Credit Bureaus : ALL 3 } { XX/XX/XXXX, XXXX : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on ( XX/XX/2022 } and I noticed an unauthorized credit inquiry had been made. I contacted { inquiry sources name }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX XXXX XXXX ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { 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 explanation
Consumer complaint received 2023-03-16
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 I disputed a debt with all three credit reporting agencies requesting that they update the balance as {$0.00} and remove this debt from my credit report with XXXXXXXX XXXX  to go balance of {$4000.00}. All three credit reporting agencies ( XXXX, Equifax, and XXXX XXXX ) did not remove this debt. XXXX XXXX to go was settled on XX/XX/2022 with payment confirmation number of XXXX. XXXX XXXX also confirmed that this debt would be removed from my credit reports. XXXX, Equifax, and XXXX XXXX never did what I requested ; which is update my balance as {$0.00} and remove this from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: KEYCORP
State: NJ
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 was in an XXXX relationship and my ex-boyfriend opened bank accounts in my name and used those accounts to deposit stolen/fraudulent checks. I could not come forward with this information during the investigation because I was still in my XXXX relationship. It wasn't until I moved to a completely different state ( all to get away from my XXXX ) that I was able to come forward with this information. By this time, the bank already completed the investigation and still found me responsible even though I told them everything and gave them my ex-boyfriends name, dob, social and address. 

I haven't been able to open a bank account because of this. My life is almost completely back on track ( I had to start completely over because of this man ) except for this one hiccup. I don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: IL
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:
XXXX XXXX XXXX XXXX XXXX XXXXDept of EDXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have disputed these accounts multiple times in an attempt to get them investigated or deleted. They have violated my rights numerous times. According to 15 U.S.C.1681 section 602 A states that I have a right to privacy. According to 15 U.S.C 1681 section 604, A section 2 states a consumer reporting agency can not furnish an account without my written instructions. They have not provided proof that I have provided written instruction because I have not. They also have violated 15 U.S.C 1681 section 603 ( 3 ) ( E ) which states ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: CREDIT ACCEPTANCE CORPORATION
State: WV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My wife and I purchased a used vehicle and financed with Credit Acceptance Corporation. After 18 payments were made on the vehicle I lost my job and asked Credit Acceptance if I could let the vehicle go back to them because I could no longer afford the payment, and they agreed. The vehicle was returned to the creditor in XXXX and I recently received a court summons in XX/XX/XXXX. 

Amount financed for XXXX XXXX XXXX - {$21000.00} Includes an extended warranty from XXXX XXXX XXXX XXXX XXXX. Both parties elected to opt out of purchasing any and all extended warranties. These signatures show the exact same time as the signatures to follow on the bottom of page 2 on the retail contract. Time stamped electronic signatures would show a different time stamp for both signatures if this was in fact signed at the time of purchase. ( See Attached ) Extended Warranty price - {$1500.00} All parties agreed to a purchase price of {$21000.00}. 18 payments were made on the vehicle, totaling {$13000.00}, leaving a total balance of {$8800.00} plus interest charges. Market value of vehicle at time of auction was {$14000.00} - {$16000.00} Vehicle sold at auction for 50 % market value - {$7900.00} Total balance ( minus interest charges ) after auction = {$930.00}

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 2022-09-20
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX, Account Opened : XX/XX/20, 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