BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-22
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. 

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  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 2023-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Earlier this year on XXXX, I was approached by an artist who wanted to use my likeness and one of my posts as inspiration for an art project. In return I would get {$500.00}. Her client reached out to me and gave me 6 checks each worth {$900.00} to cash into my bank account distribute to the art material sellers. 5 of the 6 checks were deposited into my account between XX/XX/XXXX and XXXX. When the supposed client asked my to call XXXX in order to confirm a transaction, the customer service rep helped me realize that I was a part of a fake check scam and guided me on what to do next. On XX/XX/XXXX Bank of America sent me Return Item Chargebacks for the fake checks deposited but I still lost {$1300.00} in transactions in which I did not know at the time were a part of a scam.

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 2023-03-07
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There is inaccurate personal information that is furnished on my credit report. I have reached out to the reporting agencies several times regarding this misinformation. I was told it would be removed. Different reporting agencies are reporting different mis information.

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 2023-02-28
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2023-02-28
Company: DISCOVER BANK
State: TX
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:
Company closed acct innactive card. Send mew card to XXXX XXXX XXXX XXXX XXXX Alabama XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Credit Systems International, 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:
On XX/XX/XXXX I spoke with a supervisor from this company that informed me a notice was sent out by email on XX/XX/XXXX that there was a debt owed to there company on XX/XX/XXXX per my credit report this company put a collections account on my credit report without giving me 30 days notice when I called the company they proceeded to inform me that an email notice was sent out not a letter by mail and that could forward me the email sent. My original debt was not with this company I have no knowledge of this company or this debt it has not been verified that I owe a debt to company and I was not given proper notice before placing a negative collections on my credit report. Per Fair Debt Collection Practices Act Any debt collector who contacts you claiming you owe on a debt is required by law to tell you certain information about the debt. That information includes : The name of the creditor The amount owed That you can dispute the debt That if you dont dispute the debt within 30 days the debt collector will assume the debt is valid That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt That if you request the name and address of the original creditor within 30 days, if different from the current creditor, the debt collector will provide you that information. If the debt collector doesnt provide the above information in the initial contact with you, the debt collector is required to send you a written notice including that information within five days of the initial contact. None of these actions were taken and my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: NCB Management Services Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
NCB Management Services is attempting to collect an alleged debt from me on behalf of XXXX. NCB is not the original creditor and in fact a 3rd party debt collector. In the letter attached to this complaint, XXXX clearly states that the alleged debt was charged off. Pursuant to Federal law, a charge off means that this debt is written off by the creditor. In the same letter, XXXX also clearly states that after they wrote off the debt, they then sold it to NCB. This is misleading and illegal. Pursuant to Federal law, when a debt is charged off, the company is to provide the consumer with a 1099 so the consumer can report the amount as income on their income tax. Pursuant to Federal law, it is illegal to furnish income on a consumer 's credit report. Since XXXX had clearly admitted to charging off the debt, the account should have then been deleted from all of my consumer reports at the time of charge off, not sold to be collected upon by a company who has no 1st hand knowledge of the alleged debt. Pursuant to Federal law the consumer has to give permissible purpose and written instructions for information to be furnished on their consumer reports. I did not give written instructions to XXXX  nor NCB to furnish this incorrect and illegal information to my consumer reports. I also do not have a contract with NCB Management Services. NCB is attempting to collect a debt that is legally not valid. NCB still continues to tarnish my reputation and credit with their false allegations and lies. This is still causing me undue hardship and discrimination against my credit die to their negligence and illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone tried to open a credit card in my name with Barclays Bank. I called Barclays and let them know it was not me. They said they would close the account and recommended I also file a case with the FTC.

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 2023-04-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my NUMEROUS 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 am challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My card was stolen during XXXX XXXX  weekend and over XXXX $ were withdrawn from my account. I reported my card stolen and reported fraud with capital one, but they denied my claim, citing that the phone used to send the fraud alert was still being used. However, I never received any alert at all. I wanted to appeal, but they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TrueAccord Corp.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an email on XX/XX/2023 from XXXX XXXX regarding a balance with XXXX XXXX. The email says the original creditor was XXXX XXXX XXXX XXXX XXXX XXXX for {$870.00}. I have received two more emails regarding this debt. I do not remember this account. 
At the end of the email ( on page 3 ), it states, " The law limits how long you can be sued on debt. Because of the age of your debt, XXXX XXXX XXXX can not sue you for it, and XXXX XXXX XXXX can not report it to any credit reporting agency. This was originally an account with XXXX XXXX XXXX XXXX XXXX XXXX, account number ending in XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I issued a check in XX/XX/XXXX costing XXXX to pay for my monthly rent ( in XXXX, IL ) and it was deducted to my checking account. In XXXXXXXX XXXX XXXXXXXX, I noticed that {XXXX was deducted to my checking account again and I take a look into the details of the deduction and found out that the same check ( check XXXX ) that I issued 3 years ago was used. I called the customer service/fraud dept and XXXX them why would they authorize a 3-year-old check to be deducted to my account and the fact that it has been deducted before ( in XXXX ) ; The agent over the phone can't give me an answer and said that it should not have happened cause checks are normally valid for 90 days only but I was told that they're gon na process to return my {XXXX} in my account within 2 business days. I waited for more than a week but it was not returned to my account so I called them again and again with weeks of interval and they will always say the same thing to wait within 2 business days, but still they didn't credit my money back to me. so, I went to one of the XXXXXXXX XXXX branch ( XXXX, IL where I currently live ) to talk to a banker but they said they can't do anything about it 'cause they don't process this kind of request and that I have to call their customer service so I called them again and was told the same thing and months have passed and I still haven't received my hard earned {XXXX}. and at this point, I'm just getting exhausted and hopeless in reaching out to them. I know it's not much to some people but it is to me and I needed it.

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 monetary relief
Consumer complaint received 2023-03-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Was charged way too much for a vehicle, so much so I'm currently upside down on my payment and unable sell or refinance my vehicle to lower the payments. Had to wait over a 120 days after my loan was paid off to receive my refund for the gap insurance. Was constantly given different information every time I spoke to someone and customer service was terrible! 
Never receive a bill, had to call to inquire on how to make the payment. The whole experience was so awful I refinanced my vehicle after 2 months.

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 2023-02-17
Company: General Motors Financial Company, Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
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:
The car was paid off in XXXX I was told the lien release was sent to me I never received it. The call was totaled and before the insurance company will send me the check for the loss they need the lien release I called GM financial on XXXX the XXXX and asked if they would fax it to the insurance company I was told they would but it could take 3 to 5 business days. My wife called Monday and spoke to a someone and asked if they could expedite the situation the contact was extremely rude and told her they had 3 to 5 business days. I called on the XXXX and was told they had 3 to 5 business days. As of the XXXX the insurance company still has not received the lien release.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Chase has misapplied the majority of my mortgage payments to my principal and interest. 
Many large payments sat in suspense accounts while my higher loan balance could accrue more interest for Chase. 
I made a {$31000.00} payment on XX/XX/XXXX. Chase held the payment til XX/XX/XXXX before they applied the payment to principal and interest. My principal did not get paid down so I accrued more interest. The same thing happened with my {$200000.00} payment Then Chase reported me not making my XXXX mortgage payment to the credit bureaus and sent me to collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Back in XXXX XXXX CFPB helped get my stimulus money returned from TD bank. I have a {$68.00}. XXXX XXXX XXXX deposited {$850.00} into a closed account. They used the original card I used at the hotel. XXXX cashed in a {$4700.00} certified cashiers check, and the bank still hasn't returned my XXXX XXXX refund. The refund was sent XXXX XXXX XXXX XXXX is the manager at XXXX  and XXXX sent the funds to closed TD bank account. your agency got my {$600.00} returned td bank is criminal they still haven't paid me my money from XXXX. They're at fault for not verifying that certified bank check and allowed it to come through. There were three refunds sent to the td bank account. 
XXXX did fraud she didn't close the account in XX/XX/XXXX the funds from TD went to it they also kept that. I'd like my XXXX XXXX  refund returned. TD bank is criminal fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: TRANSWORLD SYSTEMS INC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023, I received a phone call from XXXX XXXX XXXX regarding a debt from XXXX XXXXXXXX XXXX. I explained that I actually had spoken to the XXXX XXXX XXXX several times and was repeatedly told I would be refunded {$1300.00} from the policy cancellation, therefore, I would like to dispute the claim. On that date, I also requested debt validation. I did not receive this letter until XX/XX/2023. The letter was dated XX/XX/2023 which according to what I've read, is a violation of the 5 day rule. Additionally XXXX reported me to the credit bureau on XX/XX/2023. I received no other correspondence with Transworld Systems Inc from XX/XX/2023 - XXXX XXXX. 
I have also included documents that I have sent to XXXX XXXX XXXX ... specifically the email from Monday XX/XX/XXXX where my agent informs me that I do not owe on any accounts and that XXXX owed ME money. 


TRANSWORLD SYSTEMS INC XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX XXXX Reference # XXXX Creditor : XXXX XXXX XXXX ACCT # XXXX Balance due : {$690.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 battling these unverified and inaccurate accounts for a while now and this haven't been proven whatsoever. The information across the reporting bureaus is different from each other implying that this account has different values and information. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) These accounts are in violation for not reporting 100 % accurate. 

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 2023-03-01
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 checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 explanation
Consumer complaint received 2023-06-07
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a XXXX credit on my credit card. I've chatted in 4 times trying to get a refund from them. They keep saying it's pending review or approval. The bank I have on file is not my bank, but they won't send out a check to me. Tired of trying to work directly with them. I just want my money.

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 monetary relief
Consumer complaint received 2023-06-07
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, I filed a complaint with The XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX, filed a complaint with Consumer Financial Protection Bureau against Rocket Mortgage. As a result of this, Rocket has retaliated against me by blocking my number from their main portal. I am unable to get through from my phone unless I block my number by dialing XXXX. They also threatened to launch a countersuit in court if I seek legal action, which I fully intend to do, for it is my right. Also, Rocket Mortgage failed to remove liens we refinanced to remove twice and consequently, an interest-free corporate advance was completed to remove the lien, leaving the balance hanging over our heads, that should have been taken care of with our equity. Finally, after two years, two refinances and a corporate advance, the lien is removed.Hhowever, the escrow account continues to be short with no explanation as to why. I left messages for XXXX XXXX, my point of contact during the four and a half months it took to resolve the issue as well as XXXX XXXX, the person who issued the threatening response to XXXX XXXX. I informed her on her VM I was unable to contact Rocket due to my phone number being blocked, and that I will be reporting that also. I see now that Rocket is capable of anything and I am afraid for my safety and the well-being of my account. However, it will not stop me from pressing forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was double charged for a fee that cost {$25.00}. I was also charged XXXX {$10.00} fees for the duplicate transactions. The transaction was to pay my barber which I have done several times in the past and have never had an issue before or was I ever charged any fees. 

It seems as though the charge was not only a duplicate but it was also incorrectly categorized as a cash advance which it was not. I need XXXX of the duplicate charges reversed as well as the XXXX {$10.00} dollar fees reversed as well and credited to my account.

Company response to consumer: Closed with monetary relief