BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-25
Company: JPMORGAN CHASE & CO.
State: CA
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/2023 i walked into a chase branch asking for a bank statement when i noticed my balance over XXXX XXXX dollars I instructed the teller that i was not aware of the balance being so high and if she could give me more details as to deposits. This teller not doing her job correctly immediately contacted Chase fraud department and placed my account on hold pending investigation. What Chase has done is illegal and wrong morally and physically. 
I asked a simple question at the bank and the inexperience of the teller has lead to the hold of over XXXX XXXX dollars. 
Chase initially instructed me that the funds would be on hold for 5 business days after which they would send me a cashiers check. 
After 5 business days had passed they placed an additional hold of several weeks not providing a timeframe of when my funds will be released.Which is totally unacceptable.

They have not provided a justifiable reason for this hold other then a inexperienced teller.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Capital one is posting charge off since XXXX for one account then again in XXXX for credit cards I DID NOT OPEN. I sent letters asking for a 1089 c form or deletion since they charged these two accounts off or delete them from my credit report. Capital one should not keep sending to all credit bureaus that they have been charging these accounts off for over two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Albert Corporation
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had my Albert bank account thats the name of the banking institution recognized on XXXX for quite some time. I was never allowed to overdraft ever. I was given a certain amount of as a cash advance to use and pay back but never allowed to go over even XXXX XXXX without decline. i rented a car from XXXX XXXX. I had the car for probably three weeks. Then the brakes went out. Obviously they were grinding right away. I called for a tow truck to come. The tow truck came brought my rental car to the XXXX headquarters that handled repairs. About a week to 10 days I receive phone calls from loss prevention at XXXX asking if I would return the vehicle. I explain to the lady that the car is already been returned. If there was an issue with the brakes and they took the car and I didnt have it. I want it today about a week later maybe even a week and a half I was then charged by XXXX for the rental car, the damaged brake repairs, ( the fact that they were grinding like they were meant they werent maintained properly by them ) I was charge for the tow truck. I was charged a miscellaneous fee. I was charged for days I didnt have the car. I was charged a lot unjustly {$1900.00} to be exact. I thought to myself oh, thats a shame but theres no way my financial institution will allow this charge to go through lo and behold. This is the first Albert banking allows a XXXX dollar charge to go through when there wasnt nearly even remotely that kind of money in my account. I am now XXXX dollars. Ive been taken to collections by XXXX because theyre saying they never got the money. The collection agency has confirmed they have never gotten the money. Not that I would want to ever use them again but my rental privileges have been taken away by XXXX. And to be clear, collection agency and XXXX have never received the money. I have disputed the charge with my bank and have gone round and round to no avail. They have stood by the actions that are completely unscrupulous. I am at my wits end. Not only was I charged an unjust amount of money by XXXX but my bank institution has agreed to pay it and let me overdraft my account when they never would let me go even XXXX over in all my time as a customer and I am at a loss for words here because I dont know what else to do it this point. They have claimed to have investigated but they havent even spoke to the collector or XXXX that i know of. This is really a despicable way for a bank institution to do business. Also they text only and no phone number to call to actually speak to these people make it even that much more frustrating .. : and they call themselves geniuses, which is ridiculous.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I filed a complaint in XX/XX/XXXX. CFPB XXXXXXXX XXXX XXXXXXXX. 
I took out a loan with Wells Fargo Mortgage. We had a high interest rate and tried time and time to do a loan modification. We were denied each time with no reason and Wells Fargo foreclosed on our home in XXXX. 

My complaint was filed because I wanted to know why we were denied time after time. Wells Fargo could not give me an answer. They said they had no records of that which is unacceptable because they had all other records and dates. 

I am asking for the reason we were denied a loan modification. They knew the payment was too high for us and would not 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 explanation
Consumer complaint received 2023-05-11
Company: CREDIT ACCEPTANCE CORPORATION
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:
An account from XXXX XXXX XXXX showed up on my credit report for a delinquent amount of {$3600.00}. Opened two years ago. It just showed up a couple of weeks ago. I have never seen this account prior on my credit report. No account information identified , street address, name etc. I've never opened up an XXXX XXXX XXXX account before. I've always had an XXXX account. This account does not belong me.

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 2023-06-14
Company: EQUIFAX, INC.
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:
I have been sending dispute letters since XXXX last year and they have completely ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone way past the 30 day mark and can not verify the account under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete Account XXXX XXXX. Please resolve this manner as soon as possible thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX Date opened : XX/XX/XXXX Balance {$2900.00} ; XXXX XXXX XXXX Dateopened : XX/XX/XXXX Balance {$1000.00} ; XXXX XXXX XXXX Date opened : XXXX XXXX Balance {$24000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
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 to the Fair Reporting Act XXXX account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A states I have a right to privacy.

16 U.S.C. 1681 section 604 Section 2 It also states a consumer reporting agency can not furnish an 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 2023-05-14
Company: Experian Information Solutions Inc.
State: OR
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:
So banking info that was stolen when my car got stolen then they put a fraud check in account I tried showing police report and other evidence but they blocked from uploading any info

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 2023-05-14
Company: Experian Information Solutions Inc.
State: MO
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 Act. # XXXX, XXXX, Act. # XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX XXXX Act. # 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 non-monetary relief
Consumer complaint received 2023-05-14
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:
When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as XXXX XXXX standards. For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name.

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 2023-07-25
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
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: Account information incorrect

Complaint:
On XX/XX/ I fully paid off my Rushmore Loan Management Services loan number XXXX a total payment of {$500000.00} plus, which was recorded as fully paid on or about XX/XX/ and as per the issuance of the Satisfaction of Mortgage document issued by Rushmore on or about XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Saying my checking account is negative through email and unknown charges to my account.

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 2023-05-14
Company: Experian Information Solutions Inc.
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've never been late on numerous accounts that are on my credit report and I've sent letters to the companies and credit bureaus to verify the late payments and NO RESPONSE. The days I sent the late payment letters were XXXXXXXX  and XX/XX/. The companies are XXXX Bank, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and Department of Defense.

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 2022-12-05
Company: Experian Information Solutions Inc.
State: IA
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, 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 XXXX 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 2023-07-25
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Discrimination : American Express National Bank closed my account, in part, because I am transgender. 

My account was closed for " suspicious activity ''. Part of that activity was that my email address and my legal name do not match. I have informed the bank and its 3rd party customer service company on several occasions that my legal name and preferred name do not match because I am transgender.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: College Ave Student Loan Servicing, LLC
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Mr. Cooper Group Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have had a mortgage since XX/XX/XXXX initially with XXXX XXXX XXXX who acquired the loan from a predatory lender. I was with XXXX XXXX XXXX from XXXX until XXXX at that time XXXX sold the loan to Mr. Cooper ( NationStar ) ; my credit report has been absent of any payments made on this account since it was transferred to Mr. Cooper NationStar. Therefore, if I try to obtain any mortgage refinance or looking to obtain credit for paying my mortgage on-time, this information is not noted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have violated my federally protected consumer rights to privacy and confidentiality under ( 15 U.S.C. 1681 ) and these accounts are also being reported in error by the credit reporting agencies. Also listed are sections and references of which they violated.

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
The following accounts below for this complaint are as follows, U S DEPT of ED/XXXX Account XXXX : XXXX U S DEPT of ED/XXXX Account Number : XXXX U S DEPT of ED/XXXXL Account Number : XXXX U S DEPT of EDXXXX Account Number : XXXX U S DEPT of ED/XXXX Account Number : XXXX U S DEPT of EDXXXX Account Number : XXXX U S DEPT of ED/XXXX  Account Number : XXXX U S DEPT of ED/XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXXk Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : 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