BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-21
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Comenity Bank called me last night and continued to try to collect on a debt even though I had stated I had opened a complaint about them with the CFPB. I tried to call today and they refused to take my call even though the call center was still open. It was open until XXXX XXXX on a Saturday and I called around XXXX XXXX. My mother complained to me that they were calling her cell phone when I had never given them her phone number. After attempting to call their call center, I checked the account online and asked them to close the account because it's not closed. I checked my profile and it had my mother 's cell phone number listed as an alternate number. This means that either my online account has been hacked or someone at the company put this in as an alternate number. Either way I feel I have been violated and the victim of identity theft. I did not provide them with this phone number and I have no idea why it is listed in that section. I recently removed an alternate number and left the field blank. I also thought they were supposed to stop calling to collect the debt while the CFPB complaint is open, which I checked on my account and it is. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-05
Company: EQUIFAX, INC.
State: AL
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:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Bank of America closed my account even though I notified them back in XXXX XXXX that I am a victim of id theft which I have proof of but they told me they did not need it. I have a few accounts on my credit reports that are not mine. I had this card for 15 years and I always try to have contact with them. In XXXX XXXX and late XXXX Bank of America 's credit analysis did not post my payment in a timely manner, it states they wanted funds availability even though I let customer service know that I was making XXXX payments on my account. The credit analysis department claimed the amount was suspicious and they had to call my bank even though I did not bounce a check with them at that point. This also happened in XXXX also claiming funds availability even though I did not bounce a check with them. I did complain about it to Bank of America but they claimed that I was lying. I called customer service and they did not know why my payment was credited properly, they told me to contact the credit analysis department which I did. I just received a letter yesterday dated XXXX/XXXX/XXXX they are closing the account. I am a victim of identity theft which is why my credit score is XXXX, my score used to be XXXX. I have told Bank of America about this twice, I need my credit reopened because it will affect my score. Bank of America was notified by me and I offered to send proof but refused. It would be different if I never talked to them about it. My credit report is not an accurate way to determine whether or not I pay my bills at this point due to identity theft which can take up to 2 years to solve.I want all negative marks removed because they were notified of the id theft but ignored 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 explanation
Consumer complaint received 2021-03-06
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
They cancel your autopay options and then do not notify you of account changes, this has happened multiple times. 

I have the money to pay in my bank account ; I put all the loans on autopay and expect to have the money withdrawn. They will pull a loan off autopay with no notification, no call, email, or letter. 

They want you to go in forbearance so they can charge more interest and fees ; even when making SEVERAL years of on-time payments in full. 

Very dangerous place to pay back loans!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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

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 2016-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Filed previous case regarding Bank of America Home Loan # XXXX does not respond to the consumer regarding lending practice, and or questions protected by the Truth in Lending regulations and the standard Federal Reserve policies. Again the same issue as the XXXX previous complaints is each time the bank responds to our requests for information the specific questions asked are not addressed. Then when that is pointed out via certified mail the bank sends letters for a while with a new Resolution Specialist each time extending the date a resolution should be received. So they acknowledge there is a valid issue to address but they need more time. Then the same as the entire process with the mortgage sold from Countrywide and was a bad loan Bank of America has not responded to modification documents for four years on and off. They have lied in writing and on the phone on notified recorded calls. Again the last response was dated XXXX XXXX, 2016 copy attached to this complaint stated a resolution would be received by XXXX XXXX, 2016. That date has come and gone. There has been another XXXX documented and recorded phone calls and certified mail requesting an update. All have never been responded to. If I have to file multiple complaints for the same issue that there is no promised response from my lender this system is not helping the consumer. I have filed a complaint with XXXX XXXX XXXX, my Senator and Congressman and the Federal Reserve as well as the Attorney General. I am feeling that the Bank would get better response and assistance by this process.

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 2023-10-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX  XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : {$1200.00} XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX XXXX XXXX : {$5700.00} XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX JXXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX {$1200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$640.00} XXXX XX/XX/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 2022-11-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a victim of identity theft. Experian, XXXX, XXXX and their nonaffiliated 3rd parties are violating my federally protected RIGHT TO PRIVACY. They are using and furnishing information on my consumer report without my consent which is causing damage to my reputation and character! This constitutes as a violation to the Fair Credit Reporting Act and the Gramm Leach Bliley Act. SEE ATTACHMENTS

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 2022-08-11
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In early XXXX I opened a joint account with my wife with XXXX  ( sub of Webster Bank ). After opening the account, I registered for online banking, and immediately connected a few of our other accounts so we could make ACH transfers of money into our XXXX XXXX account. 

The bank did all the verification, and I had an external account connected. The said external account is in my wifes name, who is also on the account of our XXXX account. 

On XX/XX/XXXX, I transferred {$120000.00} from my wifes XXXX XXXX account into my account. XXXX initiated the transfer, pulled it from XXXX and since that date the money is frozen with XXXX. 

They indicate because the accounts dont match they can not release the funds. If that is the case, I asked them to send it back to XXXX XXXX so its in my wifes account. 

This has been going on for a month now and I still dont have access to my money. 

Considering we opened a joint account, and the money comes from one of our accounts Im not sure why this is so hard. With that said, if the bank has a policy both our names have to be on all accounts that send money, then that is fine but then simply reject the transfer and send it back to my wifes bank account. 

This shouldnt be so hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Open Dealer Exchange, LLC
State: MI
Product: Credit reporting 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:
There is a field credit inquiries what should I be on my credit report? I do not recognize the high need them to be removed as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act, the following companies have violated my rights. There has been an unauthorized credit inquiry that has been performed without my expressed, or written, permission. 

XXXX Inquiry - XXXX XXXX XXXX XXXX XXXX XXXX Inquiry - XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Attached you will find an email from XXXX acknowledging the unauthorized attempt, as well as proof that they were aware of our cancellation on XXXX XXXX 14 days before the unauthorized credit inquiry.

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 2022-11-08
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I did a 0 % balance transfer on XX/XX/2022. Since that date, I have paid more on the card than I have spent, yet I have been charged interest. 
For my XXXX XXXX XX/XX/2022 statement, I had {$49.00} in purchases and paid {$500.00} towards my balance and was charged {$.00} in interest. 
For my XXXX XXXX XXXX XX/XX/2022 statement, I had {$200.00} in purchases, paid {$200.00}, and was charged {$1.00} in interest. 
For my XXXX XXXX XX/XX/2022 statement, I had {$52.00} in purchases, paid {$650.00}, and was charged {$1.00} in interest I tried to get Chase to correct the interest rate charges but the company couldnt do that. I was told that the company decided how much of a payment to allocate towards my 0 % interest rate balance transfer and how much to allocate towards my purchases any given month. Because my purchases are fairly small on this card and I pay off a good bit each month- usually more than the purchases amount for the month- I should be accruing little to no interest. Yet, Chase has assessed interest on the purchases I have made. I have closed my account with Chase but fee that this is deceptive - people with larger balances and purchase amounts will think they are paying off the higher interest rate balance, but they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: CITIBANK, N.A.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/XXXXXXXX XXXX  I initiated a balance transfer for {$1700.00} through my Citi AA credit card. I asked to move the balance from my XXXX freedom flex card to my Citi AA card. 

After waiting 3 weeks I noticed we still had a balance of {$1700.00} on my XXXX credit card. But had an active balance of the same amount in my Citi AA account. 

I called XXXX and asked them why the fund had not been removed. They advised they never received the funds. 

After several phone calls with both XXXX and Citi management, Citi advised the wrong account number was entered ( XXXX instead of the correct account XXXX ) and that the funds did process correctly to XXXX. Citi provided me with a trace ID to give to XXXX XXXX I then returned a phone call to XXXX and they told me they 1. Can not track credit card transfers with a trace ID and 2. Received a check XX/XX/XXXX for XXXX. But that XX/XX/XXXX the amount was recalled I then contacted Citi and asked that since they recalled the funds they credit my account and cancel the balance transfer. 

I received a temporary credit to my Citi credit card during the investigation process but was returned that credit on XX/XX/XXXX. 

I sat on the phone for 2 hours with Citi bank XX/XX/XXXX and was told the funds were sent to XXXX and until they can recall those funds I will owe them a balance. 

I have tried everything I can think of to get this issue resolved but to no avail. Both XXXX and Citi management are telling me neither of them have received the funds while Im left with a nearly {$4000.00} balance on my accounts.

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 2022-11-08
Company: Resurgent Capital Services L.P.
State: UT
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:
LVNV funding has illegally reported an alleged debt to my consumer profile. They sent notices which I responded within the proper 30-day windo requesting them to send back to the original creditor due to numerous debt collection agencies seeking on this alleged debt. Instead, LVNV reported the debt anyways to the credit reporting agencies. Immediate removal of all reporting to the credit reporting agencies as the debt was not sent back to the original including responding to the alleged debt in the 30-day window which you do not legally have the right to report anything on my consumer profile. These are both FCRA 623 ( a ) violations and FDCPA Violations if you continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I walked into the US Bank Branch located at XXXX XXXX XXXX XXXX XXXX CA XXXX and requested to open a checking account. The banking representative was a XXXX female named XXXX. I am XXXX XXXX and XXXX stated, " We typically do not allow XXXX to open checking accounts at US Bank. '' I couldn't believe what I was hearing from this woman! My family and I immediately walked out of this banking location. We were being discriminated against because we are 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 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS
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've already submitted a police report and dispute letters stating that the accounts and inquiries that are on my report are inaccurate and have been connected to fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08
Company: SANTANDER HOLDINGS USA, INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I been having trouble lately with the payments I asked could they please service the loan make payments lower or more time and I been misinformed but they only have me at fault for the matter I made a payment of {$520.00} and i spoke to executive and they have different explanations of why this occurred it was repossessed the next morning after I sent this payment they leave me with no option they say but to pay the XXXX the retrieve my car this is unfair to do this to anybody trying to work thru these times I'm hard working man who is being mistreated I applore u to please but a stop to this aggressive behavior yours truly XXXX XXXX

Company response to consumer: Closed with explanation