BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act : XXXX Account XXXX XXXX has violated my rights. 
XXXX Account XXXX XXXX has violated my rights. 
XXXX Account XXXX XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX & XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX  XXXX Account # XXXX has violated my rights. 
XXXX XXXX IN Account # XXXX has violated my rights. 
XXXX XXXX IN Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Hello CFPB I applied for Bank Of America Card and Was approved. I received My card but it was Already closed already I called spoke with Supervisor name Mr XXXX and was told irrelevant and not accurate information such Credit Bureau send them information to close my account which is very strange why would they send it ... when they opened my account based on credit bureau information 10 days ago, and i was told that i have had not good relationship with bank of america or its affiliates which is also false since i have perfect credit and Flawless relationship. Please CFPB Investigate this in My Opinion VERY BIASED situation. I think It's discrimination. In Case Bank of America try to not respond to this complaint saying I need to Give My Consent, Please Know I AM GIVING MY COMPLAINT. BANK OF AMERICA NEED TO BE INVESTIGATED FOR DISCRIMINATION IN MY OPINION. I WILL ALSO FILE COMPLAINT TO MY ATTORNEY GENERAL AND ALL POSSIBLE GOVERNMENT AGENCIES.

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 2023-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Approximately XXXX  years ago, I was approved for Capital One 's Quicksilver One credit card. My understanding that this card is generally issued to consumers who have fair credit and there is an annual fee of {$39.00}. As I was rebuilding my credit when I was approved for the card, the terms were acceptable. Now, however, I have good to excellent credit. I have paid this credit card on time each month. I have also paid the annual fee, however last year Capital One waived this fee. 

Now, I would like to advance to the Capital one Quicksilver card with no annual fee. I believe my on time payment history merits this change. However, Capital One refuses to allow me a product change to this card. Instead, they have offered a product change to a no fee miles card, the Venture One. I do not want a miles card and I resent Capital One pigeon-holing me into this card. 

In addition to the QuicksilverOne, I have three other credit cards serviced by Capital one. I have never been late with a payment on any card. I did make ONE mistake in choosing the incorrect payment account and a payment was return, but I corrected that error BEFORE THE STATEMENT CLOSING DATE. No late fee was incurred. 

I can not close this QuicksilverOne card without substantially hurting my credit because it is one of my oldest cards. So, I am forced to pay an annual {$39.00} fee that is excessive given my current credit profile and the card 's benefits. The alternative Capital One offers me is not as beneficial to me given my credit line and the alternative card 's features. 

I can apply for a new Quicksilver card, but this would result in a hard inquiry and hurt my credit. So, Capital One is holding my credit score hostage and forcing me to pay a {$39.00} annual fee. 

On XX/XX/, I spoke with XXXX in the XXXX XXXX department, who confirmed that the only card I am eligible to change to is the VentureOne card. Again, I can't use a miles card given my credit line and the card 's features. I also spoke with XXXX in customer service who stated that I am no eligible for the QuicksilverOne annual fee to be waived this year. 

WHY CAN'T I PRODUCT CHANGE?!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: JPMORGAN CHASE & CO.
State: NJ
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:
On XX/XX/2022 my credit card company posted a charge for {$160.00} from XXXX  by Marriott which is not supposed to be a charge on the card when I found out about that I contacted my credit card company and told them that I didn't authorize this charge so they open a fraud dispute regarding that charge and credited the balance back on my account, but recently the fraud department from the credit card company contacted me and told me that they have to dismiss this dispute and advised me to call them back to open another dispute for an unauthorized charge by the merchant with an agent over the phone. When I did try doing that, the agent from the Chase credit card company told me because the fraud department has closes dispute in the favor of Marriot I have to pay that amount and they can not help me open another dispute or else I have to write a letter and mail it to them and then they will decide whether they can open a dispute or not. I firmly believe that this is unjustly trying to make me pay for some thing that I didn't authorize on my card. As I paid the full balance of my stay with Marriott with my another card, and this card was just used for identification purposes which shouldn't be charged with any kind of fee or payment as I have the proof that I paid the full amount with my another Chase credit card. I informed them regarding what I am saying here, but they are not ready to listen to my side of the story and not opening another dispute and unjustly trying to ask me to pay the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Good afternoon, I have a Chase Sapphire Reserve credit card. It offers travel miles which can be used to book hotel reservations through their portal. 
A hotel reservation at XXXX XXXX XXXX XXXX was made on XX/XX/2020 through the XXXX XXXX  on Chase website for a stay from XX/XX/XXXX to XX/XX/XXXX. I used XXXX miles to make the reservation ( XXXX $ value ). 
Upon arrival to the hotel, it turned out that the hotel is closed since XX/XX/2020 ( 6 months before the reservation was made ). 
I immediately contacted Chase XXXX XXXX program to get a refund, they said that in order to give me a refund, they have to contact the hotel to get an authorization for the refund. I had to book a different hotel ( XXXX XXXX ) for a value of {$950.00} $ since it was a late reservation. 
Since then, they made multiple attempts without a response. I had called Chase numerous times and received the same answer, they're still waiting for the hotel to email them back with an authorization. 
Attached documents include the confirmation of the reservation at XXXX XXXX XXXX that was made after the hotel was closed, copies of the emails that i received from Chase saying that they're still waiting for a response, a picture of the sign the hotel has on their front door stating that they're closed, a picture of their website stating that the hotel is closed, a copy of the new reservation confirmation which was made on XX/XX/XXXX ( the date of the original check in ) and a copy of the new hotel reservation transaction. 
I appreciate your assistance with this regard.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-13
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I purchased a XXXX  XXXX XXXX  from XXXX XXXX XXXX and the vehicle was financed by Ally financial. The vehicle was used and had XXXX miles on it at the time of purchase. I purchased a extended warranty on it for my protection. The vehicle has twin turbos in it and I only had the vehicle for one year when I began having several problems with it. First the left turbo failed which cause oil and coolant to soak up on my spark plugs which caused white smoke coming out of tail pipe. I sent vehicle to XXXX XXXX XXXX XXXX XXXX  and they claimed to have fixed it. I paid out {$860.00}. Then not even two months later the same turbo goes out and along with the right side. Among other issues mechanicaly with the vehicle. The first service department told me that the turbos where in back order this was XXXX of XXXX. It is now XXXX of XXXX  and the vehicle has been at the first service all this time. I have contacted ally financial several times to inform them of the vehicle problems and what options I have being that I have XXXX children and needed a vehicle to get back and forth to work and get children to school. They just referred me to the dealership which couldn't do anything for me because my credit was already low.. so I had to get money from my husband to purchase another vehicle which he got me as a XXXX gift from XXXX . I contacted Ally financial to inform them I couldn't pay for the vehicle and inform them where the vehicle was several times so they could go get it. They never picked it up and are now suing me stating that I'm withholding location of vehicle and suing me for the whole amount financed which is {$25000.00}. I need to file bankruptcy because I have no job and a lot of other debt totalling over XXXX dollars in unsecured debt. Ally financial has went to great extent to collect their property by sending several people to follow my family and I literally everywhere I go whether it be to graveyard to visit my grandmother, to hospital for my son and husband suffering from a XXXX XXXX, to grocery store etc. They park across the street from my house and wait for me to leave 24/7 I have taken video as well as pictures of all vehicles showing them tail me everywhere I go... it has caused me extreme stress and. XXXX  because of invasion of my privacy and my families. Their drivers have even went as far as to jump in front of me on freeway and slam on break to try and cause me to crash, they have sped up past me and look at me with crazy facial expressions and even make hand gestures to me ..I don't know what else to do and fear for my safety

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 2023-01-11
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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 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 non-monetary relief
Consumer complaint received 2023-11-04
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a Commenity credit card that I payed off the balance and closed in 2021. The company XXXX XXXX insists that I owe {$210.00} that I need to pay. Commenity can not " find '' my account because it's closed. Yet I am still getting emails and calls from XXXX XXXX insisting I pay the money " owed '' though they can not tell me what the money is for ( other than that it was owed to Commenity and they now own that debt ). Attempts at clearing this up with both companies ( Commenity and XXXX  XXXX ) have not accomplished anything. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04
Company: Continental Finance Company, LLC
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Around XX/XX/2023 I had closed my XXXX master card account due to fraud charges that kept happening every month the reason why I had closed the account is because these fraud charges that happened on my card kept happening over and over again even about XXXX months or longer before I had closed the account every time I seen these charges on my card I would file a complaint and have them send out a new card with a new number and I wouldnt even use the card they would send me and then all over again the same charges would happen this happened over and over again where several charges from XXXX XXXX and XXXX would show up on my transactions sometimes these transactions happened several times in XXXX day after the next, the company then refunded me the money for the claim but after it kept happening they quit refunding me when they know it was fraud from previous claims filed so when it kept happening and I wasnt giving the number out to no one with the new cards given but the charges kept appearing on my transactions. Now Ive closed the account and every month I make the minium payment and the XXXX  master card company keeps putting late fees on me when I pay it on time with the app then they will call me and harassing me saying the payment wasnt made but I know it was and it was done on their app. Even when these charges kept happening I would go on the app to download the statements but they would not be available on my account and on the app. I feel the someone in their company is doing the fraud and making the charges on my cards because it keeps happening when a new card is sent out and the only ones with the number is me and them and if I aint making these charges then someone in their end has to be doing it. They still have not refunded my money for the last claim I filed, and they keep putting more charges on the accout when its been closed for several 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 2023-11-24
Company: PLAZA HOME MORTGAGE, INC.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
Hello, We are paying a home mortgage with XXXXXXXX XXXX XXXXXXXX. Due to reduce income we ( my husband and I ) have tremendously fallen behind payments and bills. XX/XX/2023 mortgage payment was made but the end of that month we had put in a request for mortgage assistance with XXXX. We decided to contact XXXX our service provider and was provided the mortgage assistance application. We completed the mortgage assistance application, had to re-do a few documents but we completed in a timely manner. We were contacted via email that our application was received. I was aware of my upcoming appointment for a follow-up that was the beginning of XX/XX/XXXX  for an update. The update was to make us aware that all documents were received and they had everything on their end and the loan is awaiting investor ( XXXX XXXX ) response. As mentioned, Investors normally respond within 30 days or it can be a delay. XX/XX/2023 will make it 30 days. 

The specialist assigned to my account ( XXXX ) I had XX/XX/2023 appointment with set the next follow up date for XX/XX/2023. 

After XX/XX/2023 appointment I received mail from XXXX stating that our mortgage loan will be transferred on XX/XX/2023 to XXXX, which was the same day as my follow up appointment. I called XXXX today ( XX/XX/2023 and was told I no longer have the follow up appointment on XX/XX/2023 with ( XXXX XXXX and I should try to call a few days before that date of transfer to see if the investor ( XXXX XXXX ) has responded. If the investor has not, than I shall proceed to contact the new servicer ( XXXX ) and began rapport with them. 
I questioned if I talk with the new servicer and new documents or policies are requested, will this put me behind in mortgage payments more months to where we could possibly go into foreclosure? If I did not call to follow up on the mail I received via email and mail, I wouldnt have known I no longer had an appointment or to call and check on the status of the investor ( XXXX XXXX ) response. 

I expressed my thoughts and worries with the representative on the phone that my loan being transferred in the middle of requesting mortgage assistanceand the response was Thats how business is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: TrueAccord Corp.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I received a text message today ( XX/XX/21 ) indicating I owe money to someone or a company. The text is from TrueAccord, a debt collector. They did not include an amount or a way to opt out of the text messages. They did include a link in the text that I have not clicked on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: IL
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:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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 explanation
Consumer complaint received 2023-01-03
Company: Aargon Agency, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX  I sent a verification letter to the company informing them that it wasnt my debt and received a bill statement. I asked for something showing it was my debt and never received anything instead the debt was re-aged on my credit report which is not correct or legal. This account should not and was not reopened

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 2019-04-24
Company: Snow and Sauerteig LLP
State: IN
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/2019, I received the attached letter for collection in the amount of {$4100.00} giving 30 days in which to dispute the said claim. I sent the attached letters on XX/XX/XXXX and again on XX/XX/2019 requesting ; 1 ) Validation of alleged debt, 2 ) Any verified claim against me, and 3 ) Original bill with original genuine wet ink signature. Debt collectors Snow & Sauerteig, LLP have failed and not provided validation as requested. I was served today a " Notice of New Claim '', with a added charge in the amount of {$1000.00} for Attorney 's fees, filed in the XXXX Superior Court 2 for the same alleged debt and not in my county of XXXX, to appear on XX/XX/2019, again in the absence of validation of debt as requested. It is my belief that this alleged debt has been sold and that is why these debt collectors are not able to produce as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 been disputing items on my report since XXXX with no prevail. My credit score dropped because an account that is a charge-off ( after 120 days ) is still reporting open on 2 of the 3 Bureaus. This had affected my credit score significantly. Please help me fix these issues. I know they are in violation of my rights, but NO ONE will fix 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