BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a series of emails from Bank of America stating that a new account was opened under my name. As a result I called BOA and described my issue in reference to the issue. They were able to detect that a checking account was successfully opened as of today XXXX under my name. I declared that this was not actions of myself and this was fraud. They closed the account and stated that I reach out to this agency to advise them of the action.

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 2023-08-14
Company: EQUIFAX, INC.
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:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: Mercedes Benz Financial Services
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I received a refund check from Mercedes-Benz Financial Services for {$840.00} because they did not stop the XXXX XXXX payment lease option after I purchased the car. I deposited the check in my XXXX XXXX checking account on XX/XX/2023. However, on XX/XX/2023 a check deposit reversal was issued. I received a letter from XXXX XXXX that states why the check is invalid.. After contacting MBFS customer service more than six times, no effort has been made to refund my money. I have requested a substitute check but have yet to receive an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, On XX/XX/2020 I made a cash deposit at my local Chase Bank via their ATM. The ATM accepted the cash but my receipt stated there was a problem with the deposit and to call the bank to confirm the deposit. 

Since this time I have visited the Bank and spoke to the Manager several times and called customer service with no resolution. I have been asked to check back in a few days for an update but unfortunately I continue to get a default answer " we're still researching. 

Amount deposited : {$1300.00} My phone number : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-08
Company: ERC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt was already resolved and removed off my credit report I do not owe this debt by law they are harassing me this company every month they are keep trying to collect the debt and it was resolved and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Capio Partners, LLC
State: OH
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 two collections on my credit report from a company called Capio Partners. I have received NO communication from them in regards to these bills. I disputed with XXXX and my dispute was denied because Capio siad it is legit, even though I have never received documents from them. The name of the collection agency does not even show up as Capio, it shows up as a law office. I have had the same phone number for 12 years and I have lived in my home for 4 years. After doing investigating on my own I discovered these two bills were from a facility I visited 2 years ago. The facility was sending the bills to the wrong address and due to THEIR error these two accounts were not placed on our payment plan we've had with them for over a year. We were sent to collections with another company and disputed because we thought we were on a payment plan with XXXX XXXX XXXX believe that company was called Asset Care. And per their supervisor department their rep XXXX did not follow procedure and this account was removed from my credit while an ivestigation was done. We received documentation in XXXX that this was still being investigated. We never heard from Asset Care again. I have never received a document, an email, a phone call or anything from Capio. My wife had an issue with them several years back for doing the exact same thing and filed a complaint. I stay on top of my credit and if I have something due I pay it. But if you don't contact me to tell me I have an outstanding balance what am I supposed to do. After reading several other complaints it seems this is the way this company operates. Why does my credit report say this is in collections with an attorney, but the actual company is Capio? This is unfair and had dropped my credit score by XXXX points!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
paid XXXX dollars down payment for a home through XXXXXXXX XXXX  XXXX XXXX and vanderbilt mortgage. found out i could not get the home. asked for a refund and they keep giving me the run around saying it is corporate 's fault.

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 2022-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I called to request a copy of my Bank Statement and Credit Card User Agreement but the representative I spoke to kept me on the phone for so long and finally ended the call from their end.

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 2022-12-10
Company: Radius Global Solutions LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I'm overseas and can't take calls. I've been getting repeated calls with no voice mails at XXXX local time. I've found no way to contact this company via email. I also have no idea what outstanding debt needs to be collected.

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 2022-12-10
Company: Experian Information Solutions Inc.
State: IL
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. 

Account name : XXXX Acct # 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 explanation
Consumer complaint received 2022-12-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX 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 Balance : {$5800.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$8900.00XXXX XXXX XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: AMERIS BANCORP
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Regarding the above mentioned loan ( loan # : XXXX ), the mortgagors, XXXX XXXX XXXX and XXXX XXXX XXXX, are currently under an active forbearance which was effective starting XX/XX/XXXX through XX/XX/XXXX. However, as of XX/XX/XXXX, you, Ameris Bank, have reported to the credit bureaus that both mortgagors are delinquent on this loan which is totally and completely incorrect. Per the forbearance agreement dated XX/XX/XXXX ( which has been signed and returned back to your loss mitigation department ), it states that This is an Approved Forbearance Agreement with suspended monthly payments of {$0.00}, from XX/XX/XXXX through XX/XX/XXXX. In addition to this, the mentioned loan is a government backed loan and in accordance with the XXXX XXXX XXXX, the status of our account will be preserved throughout the forbearance period. The Ameris Bank XXXX states exactly Please be assured that if your account was current at the time the forbearance began, we will continue to report your account as current throughout the forbearance period. The referenced loan was in fact current and up to date prior to the time the forbearance was accepted. Based on these facts, the agreement between the mortgagors and Ameris Bank, as well as the XXXX XXXX XXXX, a delinquent report should have never been made against the mortgagors credit. The mortgagors on this loan, XXXX XXXX XXXX and XXXX XXXX XXXX are requesting that any and all delinquencies reported to credit reporting agencies be corrected and removed immediately as this is a breach of contract and has a negative impact on our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 my SEVERAL REQUEST that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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

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 2022-12-10
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I ordered a computer from XXXX XXXX XXXX and I never received a product so I requested a refund and they never refunded me my money so I filed a dispute with chime. After about 3 weeks they closed my dispute and said it was settled without giving me any refund at all or temporary credit. I called over and over again to have it reopened and I even have proof from the company that says they are not going to refund me the money and it is up to chime. Chime is refusing to refund my money so they are basically just stealing my money and playing games. It has been a month and a half now and my truck is still broken down because I can not buy the computer until they refund me my money. I have not received any product any service or refund. I've had to call in and talk to chime everyday for 2 weeks now spending hours on hold. Please help me resolve this issue. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Hauge Associates, Inc.
State: NV
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is reporting a debt that does not belong to me, I was not in school 4 years ago. 

Hauge - {$340.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have disputed this info since XX/XX/2022 My XXXX inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My Equifax inquiries are XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: EQUIFAX, INC.
State: MA
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. 

Companies Involved XXXX XXXX XXXX XXXX - Dispute opened, not fully resolved XXXX XXXX XXXX XXXX - Dispute opened, not fully resolved XXXX XXXX XXXX - Dispute opened, not fully resolved XXXX XXXX XXXX - Dispute opened, not fully resolved XXXX XXXX - Dispute opened, not fully resolved 15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A Section 2. 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 XXXX years. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I checked my personal credit report, which I acquired from your organization on XX/XX/2022 and I noticed an unauthorized credit inquiries had been made. I'm representing myself by myself and I do not involve any third party for this matter. I request that you investigate the XXXX/XXXX XXXX Bank XXXX XXXX XX/XX/2022 XXXX Miscellaneous Banks XX/XX/2022 inquires on my credit report to determine who authorized the inquiries. 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. I have filed FTC Report for this matter and have included in this package. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. If you find the inquiries 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,

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 2022-12-09
Company: Long & Foster Financial Services, Inc.
State: NC
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 was contacted by Prosperity Home Mortgage while investigating HELOC rates and was willing to listen to their agent. As we were exchanging information I explicitly asked if this would be a hard credit pull and XXXX ( XXXX # XXXX ) stated " No, not until you apply for the mortgage ''. We continued with the process and he asked for my XXXX and XXXX for what I assumed was a soft pull regarding current rate levels, which is all I wanted. I had no intent at the time to apply for a loam through this lender. Once I saw the hard pull populate on my report, I asked him if that was a hard pull he just performed, and he confirmed that it was. This was not stated clearly prior to the pull and it was not clarified that I was in the midst of ANY application for a loan. He then told me " it's fine, it will fall of in 30 days ''.

Company response to consumer: Closed with explanation