BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I closed on a XXXX refinance loan XX/XX/2023. 
However on or about XX/XX/2023 after signing and sending disclosure documents back to XXXX, I began getting an inordinate amount of calls, 7-10 per day for a week and in fact I am still getting them from Mortgage Companies wanting to know my interest in refinancing. 
Since I did not work with any other company than XXXX and my loan was a few days from closing, I wanted to where these Mortgage Companies got my name, phone number and other person al information. I was told that the credit companies XXXX used in processing my loan sent the my personal information to them. 
Sending out my information to companies I did not request should be unlawful. 
According to Credit Score Disclosure from XXXX XXXX, my information is sent to XXXX who intern released it to the Mortgage Companies. It is not a reach to think that someone is paying for the exchange of individual credit information. 
I object to my information being released without my knowing and permission which of course generated a huge number of robo calls from many different Mortgage Companies. It is an invasion of my privacy. 
The other aspect of this is that there was no benefit to me since my information was sent to these mortgage companies very late in the process with XXXX. 
Again my bottom line complaint is that these credit companies should not send out information to Mortgage Companies without approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Bank of America - XX/XX/2019 Im not sure what happened just know it says fraud on my consumer report and I have never did fraud in my life!!!

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 2018-08-21
Company: JPMORGAN CHASE & CO.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My Chase XXXX card was declined while using the card to make a transaction in XXXX in XXXX. 
I called Chase momentarily to request removal of the hold and was able to speak to the security team. 
They assured me that the hold was removed and I was able to use the card. 
Immediately after getting off the phone, the card was declined again. 
For the following next week, the card was declined for other transactions in XXXX, XXXX, and Colorado. 
After the trip, I called Chase to understand the situation and to get my card activated. 
They were not able to tell me why my card was still declined after speaking to security team. 
I requested that Chase refund the card annual fee for current year or the fee waived for the coming year. Chase said they are not able to do either option.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05
Company: GOLDMAN SACHS BANK USA
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I'm and writing this just after talking with Goldman Sacs about my apple card. ( Date XX/XX/2021 ). 

So I was down in XXXX for a business trip back in XXXX. I used my apple wallet to pay for a few things totaling no more than {$140.00}. Every time I use my apple wallet it pulls from my apple cash first and then if I don't have any apple cash it will pull from my checking account ending in XXXX. 

Well this time it randomly decided to pull from my apple card instead of my apple pay. 

After making the purchases I never thought about them again! Especially because I have every single bank account on autopay ( not that it would matter for this account because it should of pulled from my checking ). 

Almost 2 months later I sign into my XXXX  account to track my credit score I saw I had 1 account ever late. I freaked out because I take my payment history and credit very seriously ( I have never in my life missed or came close to missing a payment ).

I never got 1 notification that I had a payment due or that I was even late. 

It's crazy because you can clearly see I have barely used the card besides a handful of transactions when I first got the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: CITIBANK, N.A.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is regarding the best buy store credit card issued by CBNA. In XXXX I XXXX I went to best buy store in XXXX XXXX  XXXX to buy electronics. After purchasing I went to the cashier to apply for the best buy credit card. The cashier took my driver license and processed the application. After processing the application the cashier told me that my application is rejected due to information mismatch. So I used my credit card to pay for the purchase. After one month I received a statement from CBNA showing that I opened the credit card and it was showing a annual fee of {$30.00}. I called CBNA and told them that my application was rejected in the store and I used my credit card to pay for the purchase. I requested them to close the account because I don't want to pay for the annual fee. They told me that they will close the account. After one month when I checked my credit report it was showing 60 day late payment remark on my XXXX, XXXX  and XXXX credit reports. I immediately called CBNA and reported the matter. They promised to close the account and remove the late payment report from the credit reporting agenies. In XX/XX/XXXX when I checked my credit report, it showed a serious delinquent or missed payment report on my credit report. I AM GOING TO XXXX XXXX AND THIS REMARK IS CAUSING ME PROBLEMS IN GETTING LOANS AND APARTMENT LEASE. PLEASE HELP ME TO REMOVE THIS REMARK FROM MY CREDIT REPORTS, SO THAT I CAN GET LOAN FOR MY 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 2021-09-25
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2021 around XXXX XXXX PST I easily opened accounts at both XXXX and XXXX. My intention was to place a security freeze on my files for my credit protection, and to do nothing more. I had NO difficulty doing this task at both agencies. However, at Experian, I gave all the information their web site demanded ; current address, soc. sec #, etcetra and I THOUGHT I opened an account, but when I finally found the link to place a security freeze on my account, a message came up that Experian was " unable to honor your request to place a security freeze on you personal credit report ... '' In this message they then demand that I MAIL sensitive information to them to prove that I am the person wanting to protect my own credit. That is rediculous and I refuse to do it!!! I don't even know if my account was activated or not? The usernames, password, security questions I created, all for nothing? What is the point? I am not trying to obtain credit information from them. I am simply a consumer who wants to take a proactive step and protect my credit.

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 2021-08-05
Company: Experian Information Solutions 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 information incorrect

Complaint:
I have attached two accounts that are reporting to my credit profiles incorrectly. None of the information is correct on any of the three bureaus. Per the FCRA the information comes from the same source and it should all coincide and it doesnt and would like to have both of these accounts deleted from all three of my credit bureaus.

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 2022-04-16
Company: FREEDOM FINANCIAL NETWORK
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
They stole {$1000.00}. The sent the money originally to verify the account the used XXXX XXXX to send the money back and then the original deposit rejected. The called themselves freedom plus but they had accents like they were from XXXX or XXXX. They had a XXXX area code.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Village Capital & Investment LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I have had financial issues and I was behind on my mortgage so tried calling my mortgage company to make a single payment online and it wont allow me because I was due for 2 month. So I called the mortgage company Village Capital and I have been on hold all day from XXXX for the past 3 days and I do not get an agent on the ring. It will ask me to dial 1 to get a call back and I still have received a call. I filed a complaint with XXXX. Now I have been reported as 60 days. I am also trying to get hold of loss mitigation to look into a loan modification because I dont want to loose my home. Have been making less income and I dont want to loose my house. Im a XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Georgia Student Finance Authority
State: GA
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:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the ( account name : GEORGIA STUDENT FINANC ; Account Number XXXX ) or ( account name : GEORGIA STUDENT FINANC ; Account Number : XXXX ). 

Please investigate and provide proof with statements showing that these payments were late and were not on time. If proof can't be provided I demand these payments be updated to on time as they should be as is Never late. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: NAVY FEDERAL CREDIT UNION
State: WV
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 report act XXXX account XXXX has violated my right. 

15 USC 1681 section 602 state I have the right to privacy 15 USC 1681 section 604A section 2 its also state consumer report agency can not furnish an account without my written permission. 

15 USC 1666b a creditor may not treat a payment or credit account under plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: Amscot Corporation
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I received a check with a postmark year XXXX from AMSCOT FINANCIAL LENDING SERVICE. I PAID A {$200.00} DEBT IN FULL ON XX/XX/XXXX, AMSCOT REFUSED TO ACCEPT THE ELECTRONIC PAYMENT STATING IT DOES NOT HAVE THE CAPABILITY, THE PAYMENT WAS MADE VIA XXXXXXXX XXXX XXXX & DEDUCTED FROM MY ACCOUNT. I RECEIVED A CHECK COPY OF THE PAYMENT ON MONDAY XXXX IN THE MAIL AMSCOT CALLS ON THE TELEPHONE & DEMANDS PAYMENT OF THIS ALREADY PAID DEBT. I HAVE ASKED THEM TO STOP CALLING, THEY REFUSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : XXXX Reason : Identity theft Please remove this from my credit report. 


Account Name : REGIONAL ACCEPTANCE CO Account Number : XXXX Date Opened : XX/XX/2019 Balance : XXXX Reason : Identity theft Please remove this from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
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: Information belongs to someone else

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX (  Original Creditor : XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX  ( Original XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2017-05-18
Company: EQUIFAX, INC.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The credit report accuracy dispute process does not allow for a dispute in regards to improper handling of credit inquiries by the agency. It is my understanding that the CFPB requires agencies to consider multiple mortgage loan inquiries within a 45 day time period to be classified as only a single hard inquiry. Equifax has both of the following inquiries noted as separate hard inquiries even though both are for the same mortgage loan.  One  is from  XXXX  and the other from   XXXX   XXXX   XXXX   XXXX  . I can not dispute this directly with them as their process only addresses individually reported items, not classification errors.      EQUIFAX CREDIT IN QUIRIES  XXXX   Inquiry    XXXX   XXXX   XXXX      XXXX /  XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: Arcadia Holdings, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sent Arcadia an Accord and Satisfaction letter in XXXX and also in XXXX along with a {$150.00} money order to settle the debt being showing on my credit report. Along with the check was an agreement that if they cashed the check they agreed to remove the account from my credit report and report that I owe them nothing. I also wrote on the back of the check under the endorsement line the agreement. The check was cashed XX/XX/XXXX and I am still seeing this account reported on my credit report and stating I owe them {$390.00}. They have violated my rights and have violated our agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
2 unrequested Bank of America credit cards ( for husband and wife ), sent in 1st class envelope, ( see attached photo ) were received on XXXX XXXXXXXX XXXX  These cards do not require activation. Sticker label : " These cards are ready to use ''. ( see attached photo. ) These activated, unrequested cards can be used by phone, chip or stripe reader. We do not use XXXX or equivalent ( inexpensive XXXXXXXX XXXX  phones ). We use card chip readers. Any felonious US mail handler or delivery person who owns a BOA card account and receives one of these cards can then recognize the BAO envelope and steal and apparently use ( by chip or stripe ) any number of contained cards without the knowledge of the legitimate account/card owner. We are also XXXX years old. SECURIY RISK.

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 2022-12-28
Company: EQUIFAX, INC.
State: LA
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:
please remove fraudulent / unauthorized inquiry from XXXX XXXX XXXX XXXX on XX/XX/22 from my report or provide proof in writing within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
i have more than 6 months trying to get validation of debt and i havent been provided with the results of validation of the debt. i submitted an ftc report and still no change. 
equifax XXXX XXXX  XXXX acct number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received a letter from XXXX XXXX XXXX. The letter indicated that I owe {$6400.00} to chase Manhattan Bank, which they are willing to settle it for half the amount. When I called them they wanted my social security number and date of birth to reveal any information to me. I didnt give any of those information, then i contacted chae bank which they informed me that I do not owe them any money. My credit is excellent and do not owe any credit company any past due. Please look into this company. I am afraid they hurt my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
This complaint is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited from such fraudulent accounts. 

If you assume or allege, I have received services, goods, or monies, please have a senior executive certify under the penalty of perjury, that I have obtained possession. All are being investigated by the FTC

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America stated that I had opened an account in XXXX I never did I was homeless in XXXX with no income. I just started receiving income via Social Security XXXX. In XXXX my account was compromised and now my balance is negative {$290.00} because they did a reversal credit stating that I was the one that made those transactions. Then XX/XX/XXXX I received an alert that XXXX XXXX had taken {$15.00} from my account I don't even have a XXXX XXXX account. The card that was used to take the money out of my account was the old debit card ending in XXXX that card was compromised and they issued me another card but yet they still are blaming me. Someone withdrew money from an ATM or somewhere and they're saying that I did it. I'm on a fix and come and prior to them meaning Bank of America I had XXXX XXXX I did not have Bank of America. I also had XXXX XXXX  and XXXX XXXX prior to XXXX XXXX. The people in the fraud department did not do no investigation. I had to get new health insurance I had to get a new phone I had to get a new email address and all because my account was compromised via XXXX XXXX and now it's happened again and Bank of America are accusing me. The guy that I spoke with at the fraud department stated it was denied and the credits were reversed because they said the card was in my possession but the card was not in my possession I clearly spoke to the representative and told them that and she was supposed to reopen the case she never did it's lie after lie after lie and I'm sick of it. XXXX XXXX did indeed refund me back my money. They apologize because they realize it was fraud.

Company response to consumer: Closed with monetary relief