BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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 customer service

Complaint:
I opened a joint account with my husband over 15 years ago with Bank of America. Subsequently, I developed a  XXXX  that makes it very painful for me to use a voice telephone. As I am not deaf or speech impaired, I do not have a relay service nor equipment to use one. Further, use of a relay service compromises privacy in unacceptable ways. I have previously complained here regarding BoA 's chat portal, where they first said they could n't help me because it " was n't secure, '' then backtracked on that and found other excuses not to use the portal for assistance.     Despite my opening the account, my husband was listed as primary cardholder, a fact I was not aware of until I tried to get information on transactions several years ago. I attempted to resolve this through use of online chat, but was unsuccessful as BoA refused to discuss the matter or afford solutions using a medium I could communicate with. I requested they escalate to their general counsel and/or  XXXX  coordinator, but nothing ever happened.     This week, I attempted to bring my credit card feed into my accounting program. I found myself unable to either view the credit card information online, or bring over the feed, likely due to not being the primary cardholder despite my opening the account. As BoA now advertised help via  XXXX , I tried that and asked how I could get help either via chat, email, fax,  XXXX ,  XXXX , or any other online means.     Unfortunately, the person answering my query on  XXXX  said BoA had taken down chat, and help would not be available using any of those means. My only recourse is to physically go to a branch. My  XXXX  makes it difficult for me to go to a branch, my work from home job usually encompasses the hours most branches are open, and I feel I should not be penalized for having a  XXXX  by a company that offers its services to the general public.     I fully expect Bank of America to treat  XXXX  customers with the same level of customer service afforded to other customers. This is, indeed, the law. They refuse to offer me any type of reasonable accommodation whatsoever.

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 2023-11-30
Company: EQUIFAX, INC.
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:
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27
Company: Experian Information Solutions Inc.
State: GA
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 disputed this bankruptcy on my credit file several times. I asked how was the information on my bankruptcy verified. The credit bureaus Experian and XXXX responded that they verified these bankruptcies with the court. I sent the court a letter asking how do they verify information with the credit bureaus. They responded and said that they dont not verify information with the credit bureaus or any entity for that matter. The courts response is also included in this 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 2023-08-29
Company: DISCOVER BANK
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To DISCOVER CARD in reference to your response from CFPB Hello, I would like to respond to some of these claim in your response : On XX/XX/, you spoke with a Discover representative regarding account activity. We note you shared intentions to buy gift cards for someone, the representative advised you of the possible scam, and you shared intention to use the entirety of your credit line along with questions involving frequency of verifying account activity. 
Response : I did purchase gift cards but there is no record of me stating that I would want to use the entirety of the credit line for this. In terms of the transactions with the other merchants, I have no idea what that is. There is no way that my balance of XXXX is accurate. I did purchase a few gift cards but in no way does it add up to that balance. I received the bank statements from you and it does not reflect. Also, the merchants that I am disputing are not related to these gift cards. 

On XX/XX/, you withdrew your fraud claims, taking financial responsibility for the transactions previously disputed as fraud. Notice of this action was sent to you and a copy of the letter has been enclosed. Subsequently the account was debited, reapplying the transactions to the account balance Response : Yes, this is accurate because I opened up an identity theft case and I was advised by a legal team to say that. However, I called a few months later and said that I wanted to reopen this investigation. Note, you already added all the correct provisional credit back into my account before I requested this case to be closed because you determined that it was fraudulent. After I knew that I was not going to be in any legal trouble and there was nothing that would happen : I wanted to reopen the case and I requested multiple times but you kept saying that I was now responsible for the transactions after you credited the account and determined it was fraud which is absurd and wrong. 

I did not authorize these transactions and I should not be responsible for this balance. I will continue to fight this and can provide you with whatever necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: EQUIFAX, INC.
State: NC
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:
The Credit Bureaus stated that my XXXX account was properly investigated, but how is that possible if the Creditor Remarks say my card was lost or stolen. They also unlawfully reported my payment history in these months and years XX/XX/2015, XX/XX/2015, XX/XX/2015, XX/XX/2015, XX/XX/2015, XX/XX/2015, XX/XX/2015, and XX/XX/2015 each of these dates is a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing and transportation for myself and my child! This is grounds for removal. They also violated my rights under 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: TRUIST FINANCIAL CORPORATION
State: TX
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:
XXXX offered to take my joint loan application with my wife. Collectively we earn over XXXX per year and have over XXXX in assets. We sent in the application in XXXX and they said they needed proof of income via tax returns, even though I'd shown IRS transcripts and other official documents. I took the time to re-apply XX/XX/XXXX or so, then they decline again but WITHOUT even looking at tax returns. I'd taken the time to do the taxes per their request. I then called a manager and she said I could redo for a lower amount because these people didn't even counter offer. So I redid again at a lower amount, then they FINALLY ask to see the Tax Returns. Then again, they DECLINE based on a blanket statement of the same generic, uneducated XXXX reasons outlined prior, as if they don't know how to read. Perhaps they don't know how to read that we have XXXX in assets of what we want for the loan. I am appalled that they can pretend to offer high dollar loans, but they offer such XXXX analysis and are scared to offer money, and they don't counter.

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 2023-08-29
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Went to check my Citibank checking savings account to find it blocked. No notice of any type sent to me warning of blocking. XXXX reps and after several hours of holding times could not explain why and no answer or contact from Citibank. Sorry for inconvenience is the only comment. XXXX  years customer flawless relationship XXXX FICA treated like a criminal. Citibank is in trouble of some type check it out. Thank you 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 2023-01-25
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:
I am grateful for the removal of some of the fraudulent accounts and information being reported on my Credit File, however, there are still a lot of Fraudulent information being reported on my Credit File wihout the proper verification of the disputed items. I am submitting this CFPB Complaint to request to you once more to remove the disputed accounts and information off of my Crediet File as soon as possible. I am a victim of identity theft, my identity was stolen and used to open these accounts wihout my knowledge nor consent. I see a lot of videos on the internet that identity theft have become rampant. I have read that under the Fiar Credit Reporting Act section 605b, you are required by Federal law to remove any accounts and information that do not elong to the consumer. I am requesting of you to please remove the following accounts and information off of my Credit File : 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 : {$4800.00} XXXX  XXXX Balance : {$9400.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Please send me any documents you may ifnd along the way of your investigation claiming that the disputed items belong to me and are verified. If you can not provide nor find any documents ti support the claims that the disputed items belong to me, immediate removal of the disputed items will be greatly appreciated.

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 2023-11-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
At the end of XXXX, ( XX/XX/XXXX ) in good faith, a CHASE FREEDOM card was applied for. On XX/XX/XXXX, a denial letter was furnished electronically, which depicted the reasons for the denial as follows : Serious delinquency, public record, or collection item Balances on revolving accounts are too high compared to credit limits Proportion of loan balances to loan amounts is too high Too few accounts are currently paid as agreed Regardless of denial, I have a RIGHT to credit, and withholding access to my securities is securities fraud and a direct violation of the Equal Credit Opportunity Act and the Consumer Credit Protection Act, as I am the true originator of the credit and the creditor as defined in 15 USC 1602 ( g ). 

The reconsideration line was contacted ( XX/XX/XXXXXXXX  ), a series of questions ( income, taxable income, and questions about my credit report ) were asked and the same denial reason came back. 

The call was escalated to a mid-level manager ( Manager XXXX  ), who argued that the consumers are NOT the creditors. When asked which laws manager XXXX followed to determine that the consumers were not the creditors, she stated she followed Chase 's policies and by-laws. 

Chase, is bound and must follow laws of commerce, USC, SEC Exchange, etc., or there will be legal implications. 

Manager XXXX stated that it was okay and that she could do nothing else besides file a complaint. Another manager above her was requested but ( as of the complaint ), no contact was made. 

CHASE denied my application, and based on discriminatory and inaccurate information furnished on the " credit report '' obtained from XXXX and violated my consumer rights. A request was also made, if the credit is going to be denied to retract ALL information from the application to prevent fraudulent securitization, and that request was also denied. 

Based on the aforementioned, Chase has violated my consumer rights and is liable for the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The Credit bureaus stated XXXX XXXX, Account # XXXX was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 
They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well.

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 2018-10-27
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
SYNCB/WALMAR XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX I have contacted both SYNCB/WALMAR and the credit bureaus 3 times for a signatured validation of this account and they have still not provided the validity of the account. They just state that its verified. The last communication was the following letter. To Whom It May Concern : This letter is regarding account # xxxx as reported on my credit report, which you claim my account was charged off {$590.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend  yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am unable to use the website it has said technical difficulties for 2 months now. Im unable to view any freezes, reports, information etc. Also unable to view my credit report using 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 2017-05-05
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Found a private loan company on the internet in  XXXX   XXXX , NV The name or company is  XXXX   XXXX   XXXX . I reached out to the loan officer,  XXXX   XXXX  Did not think anything suspicious because the number was a Nevada number. We had conversation for a few days and led to a promissory not signed by both. The loan amount was  XXXX  for a refinance. The origination and  Doc  fee was {$1300.00} I received bank account info to Chase bank with acct # and routing number. Account name also. The note was signed by  XXXX  on  XXXX   XXXX  and signed by me on the  XXXX ,  XXXX  days later.. I have not heard anything from the loan company other than they said the bank wanted 1 % of the loan for closing. This was not a bank loan, it was a personal loan through this investment company.  XXXX   XXXX   XXXX   XXXX . I have filed a complaint with the fraud and claims dept. at my bank which is   XXXX   XXXX   XXXX  .     I 'm asking for help to try to get my fee back.   XXXX   XXXX   XXXX   said that they will file with  XXXX  but, if the account holder does n't want to transfer the monies back or does n't respond, there is nothing do be done! Is n't this illegal?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-30
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: Credit inquiries on your report that you don't recognize

Complaint:
Creditor Name : XXXX XXXX Date : XX/XX/23 Action : When contacting Transunion to remove inquiry they said to contact the creditor which I did. The creditor would not assist me in the removal of the inquiry so I am filing a complaint with the CFPB.

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 2023-01-24
Company: Experian Information Solutions 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 information incorrect

Complaint:
XXXX XXXX Account : XXXX We are requesting under the Fair Credit Reporting Act ( FCRA ) to have errors and imcompletions corrected in our credit reporting. These same errors were previously disputed, but were never corrected. These errors and incompletions were previousy disputed, but no action was taking to correct them. 
Please correct according to the providers documents, and if no correction, provide to us copies from the original loan documents that supports otherwise. 
From the CFPB : " Both the credit bureau and the business that supplied the information to a credit bureau have to correct information that's wrong or incomplete in your report '' Please update the credit reporting for my Lendmark Finanacial account with the following : 1, Correct he balance from XXXX to what is showing on the XXXX Statement XX/XX/XXXX to the listed balance on the statement. Amount {$10000.00} - see attached 2, Correct the imcomplete payment reporting to show XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX -- {$430.00}, {$350.00}, {$350.00}, {$350.00}, {$350.00}, {$350.00}, {$350.00}, {$350.00} consectitively 3, Correct the first month payment as recorded in the agreement ( see attachment - XX/XX/XXXX ) 4, Remove all entries for XXXX and XXXX. There are no payment obligation for those two months. The XXXX and XXXX payment entries caused credit score to drop drastically, because there were two scheduled payment entries, and no payments were entered. 
There is an {$450.00} balance diference that triggers a drastic decrease in credit scoring **** PLEASE RESPOND TO OUR REQUEST USING THIS SAME SYSTEM - CFPB ****

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