BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Received a Bank of America credit card in the mail for an amount {$6000.00}. I notified Bank of America I did not request this and they did close it. But when I asked to have removed from my credit report they refused. I did advise them that I have a Fraud alert and a credit Freeze on all 3 credit Bureau 's. 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 2023-11-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.

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 2023-06-05
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
Hello, I have received an email from 'American Express ' today afternoon at XXXX XXXX that I've been approved for a new Card, but I never requested for this credit card. 

Action taken : 1. Since I have NOT applied for any credit card so I called American Express to report this as a Fraud and got this card canceled. I have also asked them to raise an investigation to look into this further. 

2. I have also called XXXX to report this fraud activity and raised a dispute. I did a credit Freeze too. 

3. Credit Freeze is also done with XXXX and XXXX XXXX 

4. I tried to notify the Federal Trade Commission ( FTC ) of the fraud which lead to this CFPB - The Consumer Financial Protection Bureau submission request

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE SUPPLIED PROOF UNDER THE DOCTRINEOF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXSIST. Also, Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. In addition, my information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person. 

XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL 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 2023-01-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I intended to make a cash deposit of {$3500.00} into my Chase checking account using the outside ATM. As I continued with my deposit I noticed an error with the machine when it counted the {$3500.00} as a {$1800.00} amount. I pressed the cancel button on the ATM thinking I would be returned the {$3500.00}. The machine returned {$2000.00} of my initial amount of {$3500.00} resulting in a missing cash amount of {$1400.00}. I contacted the branch of XXXX where the problem occurred and filed numerous claims to resolve this problem. Chase customer support was very rude and disregard my financial lost. I was told I would receive a credit to my account meanwhile the investigation takes place so that I wouldnt have issues with my finances. I never received the said credit. Its been over 2 months and Ive not received my money, I have fallen behind on my mortgage and bills.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-13
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I purchased an appliance under an incentive program that had a deferred interest concept that would be retroactively charged if I missed paying in full by the deadline. I had the account on monthly autopay paying about 2x the minimum amount. Then, without any warning, the deadline date to pay in full came and passed. Therefore, interest at 29.99 % ( is this amount even LEGAL? ) was added to my bill as of that date. I never received ANY KIND of notification from the credit card provider that the due date was coming and that I should make the payment in full to avoid the charges. It never dawned on me that the Company would let that date come and NOT warn me that the amount was due. I was over 18 months ago ( two-year program ) and I forgot about the obligation. They just kept showing the auto payment and it seemed as if everything was OK. Not sure how its legal not to make proper communications with me. Yes, if I logged on to look at the monthly bills, there was a note that the date was approaching. However, for them not to put that in their normal email correspondence to me is very mis-leading and deceitful. I am sure other companies do this as well, but I will never do business with Synchrony Financial again given their refusal to give me credit on the interest now that the account has been paid in full. Wanted you to know b/c I am sure lots of other customers are getting hit with the same deceitful action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-27
Company: MRS BPO, LLC
State: NY
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:
According to NY Law, this company is not allowed to come after me or sue me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I understand that errors can occur, but these mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. The other bureaus have already honored my request to remove the late dates and negative status of this account. However, your bureau is the only one that has not updated my payment history. I request that the late payment markings be updated to reflect my accurate payment history. I have identified the following errors in my credit report : DISCOVER BANK XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Experian Information Solutions Inc.
State: RI
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:
XXXX XXXX  servicing placed my mortgage ( Loan Number XXXX ) in a COVID-19 hardship forbearance. I called the company and informed that i was willing and able to resume making payments to my account. They took my account out of forbearance ; however, the payment amount they gave me was about {$1000.00} higher than before. This was due to the fact that XXXX over payed my property taxes by {$5800.00}. This was a mistake on the company 's behalf. My loss mitigation agent, XXXX XXXX informed me that she would place my account on an extended forbearance to allow my town to refund XXXX any moneys owed and they could credit this back to my escrow account, then give me an accurate payment amount. The agent indicated that since the account would be placed a forbearance i should not make payments, at least until we have an accurate payment amount. While my account was supposed to be on a forbearance it seems this was not done and therefore the company introduced a derogatory remark on my credit report stating that XXXX payment for XX/XX/2021. Had i known that the payment was due i would've made the payment since i have excellent payment history with this and many other accounts. My agent indicated that my first payment after the forbearance was in XX/XX/XXXX of XXXX. I was only following all of the instructions provided by my loss mitigation agent. I have attached all proof of communications between myself and the loss mitigation agent for your review. Furthermore, my loss mitigation agent no longer works with the company and could not help on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
It appears that my mortgage company Select Portfolio Servicing , Inc is trying to make more money by foreclosing on my property than modifying it. They fail to include how many months can be deferred with me being less than 12 months behind. They are not considering a global pandemic is the main reason for my hardship. I lost employment, got sick afterwards and had an XXXX  done, and last but not least my husband XXXX XXXX XXXX divorced me right after the XXXX. This time I am getting back to walking and trying to do things for myself all over again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Army and Air Force Exchange Service
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX XXXX XXXX contacted my employer and i have attached the document my employer forwarded to me ( wage garnishment ) for about {$290.00}. After that garnishment took place, XXXX XXXX sent me another Collections notice ( which i have attached ) for {$10.00}. How could this be when the previous garnishment was {$290.00} and this collections notice states the previous balance was {$250.00}? 

This is fraud and I can not afford to have them contact my employer again and whatever this collections notice is for it should not apply to my account as they garnished {$290.00}. 

I would also like them to remove any negative entries with all bureaus as there are bureaus outside of the big 3 that most people do not know about, however, XXXX XXXX does report to them!!

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 2023-02-14
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: Information belongs to someone else

Complaint:
This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2023-01-15
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: Their investigation did not fix an error on your report

Complaint:
Equifax is reporting account that I have not opened it doesn't belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: Paypal Holdings, Inc
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I attempted to make a purchase online. The site had been compromised and when I went to checkout, I was redirected to a different site to make payment. I made payment via PayPal. Once I noticed the transaction detail did not match the vendor and I was unable to verify the purchase, I reported the issue within 24 hours to PayPal. My claimed was denied because I authorized the transaction. I explained the issue to PayPal and they said I needed to file a different type of claim related to product never being received. The challenge with that is PayPal is I have been unable to file a second claim on a transaction with the instructions PayPal provided. The customer service offered zero help in escalating or resolving the issue. I got the impression they were concerned with protecting the fraudulent party in this transaction. Claim number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX our victim sent {$600.00} to a family member with PayPal through XXXX XXXX. 

This money was received by the family member at that time. On XX/XX/XXXX at around XXXX the family member sent {$600.00} back to our victim. An issue with the PayPal account that was associated with XXXX XXXX  prevented our victim from receiving it. 

Our victim contacted PayPal to get this resolved, they told her " we will refund the {$600.00} back to [ the family member ] which will take a while, don't call us about it again, because we don't know when it will be complete. '' Over the course of several months our victim contacted them repeatedly to resolve this issue and still has not received a resolution. On Thursday XX/XX/XXXX we called PayPal and spoke with XXXX who was unable to find the previous calls and said our transaction number was invalid, even though we could see the transaction in the deprecated account. She created a trace over the transaction and said it would be complete within 48hours and we would receive an email, we confirmed that this included the weekend. 

Unfortunately that email was never received. So today we called PayPal to follow up and spoke with XXXX who was unable to find previous calls as well and could only see XXXX case that she created. We were told conflicting information regarding case numbers, transaction IDs and resolution time. According to XXXX it would take another 72 hours starting Monday, because XXXX filed the report on Friday or Thursday, she was sketchy with all details and continued to give us contradicting information, and when asked she was unwilling to provide a reference number, but did provide a PayPal ticket number. XXXX We informed them that because they would not give accurate and true information, nor a proper resolution that we have no choice, but to involve additional agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Westlake Services, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ALL 3 CREDIT AGENCYS AND COLLECTION COMPANIES REPORTING OUTDATED ACCOUNTS SINCE XXXX... ..ID FRAUD accounts open without my consent and not my accounts ... '' XXXX XXXX AND WESTLAKE FINANCIAL SERVICES XXXX' ... ..AND VIOLATED " FCBA, FCRA, FDCPA ''

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 2023-03-25
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Discover is aware of the Identity Theft involving a credit card account and refuse to provide me information about the account beyond a " balance ''. Discover refuses to provide any proof to myself or the credit bureaus to verify that the debt belongs to me. Discover is claiming a balance of {$1400.00} is owed, but I have never had an account of any kind with Discover.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-01
Company: DISCOVER BANK
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have previously filed a complaint against Discover. I am getting this as a response from them : Executive Office of Discover Financial Services Tue, XXXX XXXX, XXXX XXXX  ( 18 hours ago ) to me Dear XXXX XXXX XXXX : Thank you for your correspondence to the Consumer Financial Protection Bureau and the Office of the Arizona Attorney General. To ensure your concerns are properly addressed, your correspondence has been forwarded to my attention at the Executive Office of Customer Advocacy within Discover. 

I am currently in the process of investigating your concerns. A detailed response will be sent to you upon completion of my investigation. 

If you have any questions or would like to discuss your concerns, please feel free to contact me at XXXX, weekdays from XXXX XXXX to XXXX XXXX, ET. 

Sincerely, XXXX XXXX I have called Discover at this number well over 50+ times. I am never able to get a hold of XXXX XXXX. I have called from different phone numbers, I have sent e-mails, I have sent written correspondence to Discover and to XXXX XXXX 's attention, no response. Discover has flat out advised me they will not assist me because I contact the CFPB. Where is the oversight? Where is the accountability for this company to act illegally, unethically, and flat out rude and deceptive at every interaction at every level within this organization.

Company response to consumer: Closed with explanation