BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Bank of America sets weekend due dates for the payment of monthly credit bills. However, they DO NOT ALLOW PAYMENT on their site on weekends which allows to them to charge late fees. 

For example, I had a credit card payment due on Sunday, XX/XX/XXXX. On Saturday the XXXX, I attempted to pay the bill on the Bank of America site. When I tried to select the payment date, as required by their system, it would not let choose the XXXX ( or the XXXX ). I was forced to select the Monday, the XXXX which makes my payment late allowing BOA to charge a late fee.

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 2022-10-15
Company: JPMORGAN CHASE & CO.
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 JPMCB and XXXXXXXX XXXX has violated my rights. Under [ 15 U.S.C. 1681 ] section 602, states I have the right to privacy. [ 15 U.S.C. 1681 ] section 604A section 2, it also states the consumer reporting agency can not furnish an account without my written instructions. Under [ 15 U.S.C. 1666B ] a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late, for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: EQUIFAX, INC.
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 status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20
Company: Experian Information Solutions Inc.
State: CA
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:
XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : -, XXXX XXXX XXXX : {$3600.00}, XXXX XXXX XXXX : {$760.00}, XXXX CARD XXXX Balance : {$1300.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2300.00}, XXXX XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$430.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX Balance : {$2300.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$690.00}, XXXX  XXXX Balance : {$1600.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 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 2021-05-05
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
ON SATURDAY, XXXX XXXX WHILE BALANCING MY ACCOUNT VIA TELEPHONE i DISCOVERED THAT A CHECK FOR {$480.00}, written XX/XX/XXXX to XXXX XXXX XXXX XXXX was outstanding. the balance in my account indicated that {$480.00} that I deposited on XX/XX/XXXX was also missing. I called the 800 # spoke with fraud division also explaining that there is a pattern I noticed in my account when this happened XX/XX/XXXX re : ck # XXXX for {$50.00} and previously, when this occurred randomly XXXX ; XXXX. What happens is check written but remAINS OUTSTANDING beyond what I consider normal ( longer than 10 business days ) however the money ( I deposit to cover check goes missing first. ( I suspect they work with someone inside banlk who gives them cash for check. ) Check is presented and bounced. I have to cover check to clear up problem in account which means I have paid 2X for face value of check not to mention any other fees or problems. On Saturday because the representative saw no " large/unusual " activity he referred me to representative at local bank " who will set down & review with me my register. '' I refused having been through this before. Asked about audit of account and was told they don't do that. Problem not solved. I suspect a thief within the system who has gotten away with this for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2021, a fraudulent check was deposited through the mobile XXXX app. The amount was on {$2500.00}, and my signature was forged. On XX/XX/XXXX, I noticed two XXXX transactions, sent from my phone number, amounting to {$2000.00}, which I reported almost immediately. I asked Fifth Third to stop my account, dispute the charges, and figure out the issue. The two XXXX payments were completed, and when the noticed fraud check was returned, it left my account at a negative balance of over {$1600.00}. After almost two months of constant investigation, my plea was denied, due to the fact that a " one time pin code '' was sent to my phone, warning two XXXX payments were going out to an unknown email. I was part of a data breach at XXXX XXXX and XXXX, in XX/XX/2021, which may have resulted in my phone number and personal information being hacked. Realizing this, I sent all proof of documents through their email, which proves that my phone may have been hacked and my information has been definitely exposed. I bought a new phone, changed my passwords, and await for an answer, and have also filed a police report in the location the one-time pin code was sent. I am a college student, have scholarship funds I placed in my checking account for school ( which were stolen ), and have been a loyal customer. I just want my stolen money back, and make the situation go back to its normal self. I am now limited to paying school fees due to the fact that money was taken out unwillingly, and Fifth Third is not resolving the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: EQUIFAX, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-18
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XX/XX/2021 I received a notification that a checking account was opened with my name, using my social security number, and DOB. Whoever used the incorrect address which is one of my old addresses. The Occupation is incorrect, along with the employer and job title I immediately contacted WELLS FARGO to let them know that I did not apply for a new checking account and I want this reported and investigated. 
I was notified several years ago about my information being exposed from several agencies including WELLS FARGO. Please let me know what I need to do to make sure whomever this person is they are not able to access or create any new accounts with my name or use my information in any way. 
Thank you

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 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX ) XXXX Balance : {$4700.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/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 2019-03-22
Company: Experian Information Solutions Inc.
State: GA
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 believe that I have been victim of Identity fraud. I am writing to dispute an item that appeared on my credit report. This account was opened in XX/XX/2014. I made several attempts to remove this item. It was removed then reinserted into my credit report without proper notification.

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 2023-05-20
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 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, 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 2023-05-30
Company: EQUIFAX, INC.
State: AR
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 am trying to buy a home. In XXXX I paid off any delinquent accounts I had after unfreezing my credit reports. My accounts where frozen because I received a injury and was waiting for my XXXX. Since then They have told me I needed to get some credit cards, Which I pay off every month. I have taken out three credit cards. XXXX, Equifax, and XXXX are all reporting delinquent accounts and I have none, which they say impacts my score. First I didn't have enough debt, then I had to much debt and since I paid everything in XX/XX/2023 they continuously taken my scores down, XXXX was XXXX, Equifax XXXX, and XXXX XXXX in XXXX, Now I am showing in the high XXXX on all three and one of the reasons they are giving me is no mortgage. IF they are continuously decreasing my score with stating I have delinquent accounts which I do not, and they are keeping my scores so low, I cant get a mortgage. This is not right. I never would have opened any credit card accounts except they told me I needed to. And I pay them off every month, so how as a consumer is this right?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-05
Company: Experian Information Solutions Inc.
State: VA
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: Investigation took more than 30 days

Complaint:
I have reviewed a copy of my credit report and I show company XXXX XXXX  account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2021-12-19
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021, I received a notice of debt letter from AssetCare dated XX/XX/2021, stating that I have an unpaid medical balance with XXXX XXXX XXXX. Upon receipt, I immediately forwarded a letter of validation to the company 's XXXX, TX addresses that are listed the letter and with the TX Secretary of State. AssetCare , LLC has not only failed to validate the debt that they claim is owed. I have not provided XXXX XXXX XXXX or any medical or clinic facility a signed HIPAA release for my medical information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: IL
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 the several times I've complained about being a victim of identity theft. The XXXX bureaus must remove any account that was opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX Balance : {$1700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX checked my credit report on XX/XX/2021 and I noticed some fraudulent accounts that's reporting to my credit report I attempted to reach out to the credit reporting agencies and I was not able to resolve the issues

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
Today on XX/XX/XXXX I spoke with a Capital One Representative XXXX. She was kind and professional. I inquired with her as to why Capital One has not increased my limit once in over 3 1/2 years? Supposedly every 6 months they can do so. Also, I inquired as to if I request an increase would that be a soft or hard pull on my credit? XXXX assured me that it was in fact a soft pull, and could not explain why I was never offered an increase. Today I was denied an increase on my Capital One credit card. I believe I am for some reason being discriminated against, and do not understand why. My credit scores with all 3 major credit bureaus range from XXXX. I missed one payment with Capital One in XXXX of XXXX. I have not missed one payment with Capital One or 16 other creditors since then to present. Needless to say my payment history is exceptional. I reduced my debt drastically over the course of XXXX. My debt utilization is under 10 %. Furthermore, I sent Capital One a goodwill letter this past year asking that they please delete the missed payment as I have always been responsible in paying off my debt with them. Capital One declined, and I know they can delete it as I spoke to lawyer. Capital One who is parent to Kohl 's credit cards shut my Kohl 's card down with notice damaging my credit history this year, because that card was well established for years. Capital One is not increasing me credit that I know I deserve. My credit reports show that lenders see me as very responsible. Capital One is treating me unfairly, and I am asking for the CFPB 's help as to why? I will upload some screen shots that are of my credit reports with all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 contacted XXXX XXXX about a late payment they are reporting to all 3 credit bureaus that is inaccurate and they have rejected to remove the inaccurate credit mark. My XX/XX/2018 payment was made 31 days after it was due and my XX/XX/XXXX payment was made 7 days after it was due. They are reporting that my XX/XX/XXXX payment was made on time and that my XX/XX/XXXX payment was more than 30 days late which is false and against the law for the credit bureaus to report such false 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 explanation
Consumer complaint received 2023-09-25
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
In XX/XX/XXXX we were offered general terms of a Mortgage Modification from LoanCare with a new monthly payment. We accepted these terms, and as instructed started making this payment on XX/XX/XXXX and have continued to pay monthly as instructed. The record of these payments is noted in our payment history. 

XXXX became our loan servicer effective XX/XX/XXXX. XXXX is saying they never received the paperwork from LoanCare ; LoanCare is saying they sent everything in XX/XX/XXXX. 

Our loan in now being reported as delinquent. It is not yet our credit scores have decreased over XXXX points due to their combined incompetence.

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 2021-12-19
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have had online statements with PNC for months. This XXXX they started a new program called Virtual Wallet and started sending paper statements which I did not opt-in to or ask for and started charging fees for doing so. When asked about it, they refuse to make it right. I have attached my statement showing I was not charged this fee last month in XXXX. This is a new change and a new charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-04
Company: EQUIFAX, INC.
State: CA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is reporting on my XXXX XXXX and needs to delete immediately : Date of Birth : XX/XX/1990

Company response to consumer: Closed with explanation