BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-04
Company: ALLY FINANCIAL INC.
State: NC
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/, I noticed an unauthorized charge on my credit card for {$120.00}. I immediately notified my company Ollo. They cancelled the card and advised they would send a new one. On XX/XX/XXXX they reversed the unauthorized charge, but I did not receive my new card for approximately 2 months. During that waiting period they continued billing me for late charges as well as interest charges. I strongly believe it was unethical to continue charging these fees for a card I did not have access to. Nor did I appreciate the excessive phone calls, which were sometimes three calls a day. This is harassment. As of this date, the harassing calls and fees continue to mount. I would like an apology as well as a refund for all fees that are still occurring.

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 2023-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Bank of America has sent me information identifying that XXXX XXXX Banking accounts were opened in my name. First occurrence was receiving emails in XXXX XXXX  that the accounts were successfully opened, then email notifications that the email address as been changed. Then I received mail a few weeks later with the banking information. I went to a local Bank of America branch ( located at XXXX XXXX XXXX XXXX XXXX, SC XXXX ) and spoke with someone there about getting those accounts reported as fraud and closed. I am still receiving statements as if the accounts are still open. There were a total of 2 accounts opened in my name, with my SS number, even with my credit being locked/frozen with the top 3 credit bureaus ( have been locked since XXXX ). All accounts show a {$0.00} balance and when I spoke to the employee at the BoA branch, she made this comment ; " you're like the 10th person to come in here this week about this. '' I'm honestly surprised there has not been more information released about these fraudulent accounts being opened. I also am not a Bank of America customer.

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 2023-07-07
Company: Paypal Holdings, Inc
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Invoice Number : 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 {$450.00} Payment method Online Payment Status Processed XXXXXXXX XXXX Paypal, Inc All rights reserved Paypal XXXX XXXX XXXX XXXX XXXX XXXX Paypal XXXX United States XXXX 
I called them and they tried to get my information. Some one is scamming using my email and paypal accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: VYSTAR CREDIT UNION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am Having an issue with Vystar credit union, I had went into the bank and had my account setup to send money to my savings with an external automatic transfer every month so that my savings account would pay my credit card bill automatically and in the process my account which has always paid my balance in full was hit with my card having a XXXX dollar balance which for having every payment on time for the last few years of the account had dropped my credit score from a XXXX to a XXXX after putting a late payment on my record. This is my first late payment and the problem was with the automatic billing but I do take responsibility for the problem as I didn't check in on the account until it was too late. I was looking for forgiveness on my credit score.

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 2021-10-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had made a complaint to your department about a problem I was having with JPMorgan Chase Bank in XX/XX/2021. I did get a response from the bank who wanted me to submit a form and current Letters of Trusteeship. I emailed the documents to the abandoned property department at JPMorgan Chase Bank and as of this date XX/XX/2021 I have not heard from the bank about this matter. 

I am the Trustee of the XXXX XXXX Trust at JPMorgan Chase Bank their case number is XXXX. It has been almost year since I first contacted the bank about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and BLOCKED. 

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 2022-07-22
Company: Experian Information Solutions Inc.
State: MN
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have acopy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being " reported correctly? Who verified these accounts? You have NOT provided me a copy ofANY original documentation ( aconsumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as requiredunder Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT all information which can not be verified. Section616 and Section 617 provide me with a remedy that Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provideme with any verifiable proof. So, my question comes up again, WHO VERIFIED THESEACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please correct the accounts, orinaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXX XXXX .... Late dates XXXX, XXXX XXXX XXXX XXXX .... XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ...., Late XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late dates 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 2018-05-07
Company: EQUIFAX, 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 have requested a full validation of bankruptcies Appearing on my credit file to the credit reporting agencies according to the Law, but they had not complained and these unverified item still damaging my credit worthiness. 
They need to delete unverified items according to FCRA section 609. 
Please help me to clean this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : 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 2022-07-22
Company: Experian Information Solutions Inc.
State: MN
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law.. Please remove/block the following items as they are fraudulent & were opened without my consent or knowledge. 

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 2022-08-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do a verification on my credit report to make sure everything was accurate. All three credit bureaus said that they did complete an investigation and stated that everything was accurate. I completed a thorough research myself and found improper inaccuracies on the credit report even after the credit bureaus did the thorough research. 

Account Name Account Number Company Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXXt # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, and 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Mr. Cooper Group Inc.
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
My loan is set up for automatic payments from my checking account. On XX/XX/XXXX, when my payment was due, Mr. Cooper shut down their systems due to a cyber attack. They have been uncommunicative other than non-answer information on their website. Their messaging system to ask questions or file complaints is no longer accepting any messages. I originally asked them if I was paying interest on a higher balance than would have been the case if my payment had been processed on time. They have not answered. Since this was not my fault, I feel that Mr. Cooper should date my payment made to XX/XX/XXXX and charge me interest on the balance that would have been accurate on that date had they processed my payment as they should have. They are now showing that my payment is scheduled for XX/XX/2023 and that no payment was made for XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
TOTAL DECEPTIVE TRUTH IN LENDING STATEMENTS. USAA FRAUD CREDITS ARE HIDDEN INTERNALLY TO FRAUD CONSUMERS. See attatched XX/XX/2019 statement. OTHER CREDITS {$2.00}, XXXX. Kindly Note at bottom statement CREDITS XXXX $ XXXX XXXX  $ XXXX XXXX XXXX $ XXXX XXXX $ XXXX XXXX NEXT PAGE see top next page CREDITS XXXX $ XXXX XXXX XXXX XXXX *** $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEXT WE HAVE A TOTAL LINE OF THE ABOVE AMOUNTS that is incorrect ( TOTAL CREDITS APPLIED {$910.00} ) All amounts ARE NOT INCLUDED IN THIS FIGURE TOTALING THEM. ( all amounts above listed below the ** ) ARE ( NOT ) INCLUDED. Kindly Note NONE OF THE ADJUSTMENT CREDITS ( usaa temporary fraud credits ) ARE PROVIDED BY USAA. " DECEPTIVELY MADE TO APPEAR USAA CREDITS WERE PROVIDED WHEN THEY WERE NOT. '' These figures really total {$2.00}, XXXX MISSING USAA CREDITS OF {$1.00}, XXXX. With no explanation. All hidden internally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
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: Reporting company used your report improperly

Complaint:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 
XXXX XXXX As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).

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 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, unauthorized inquiries are being reported to my personal credit file. The XXXX, XXXX, and TransUnion Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i and 605b, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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 non-monetary relief
Consumer complaint received 2022-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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:
I am simply trying to change the statement due date on my XXXX XXXX Bank of America credit card. There is NO WAY TO CONTACT CUSTOMER SERVICE!! 
The messaging system when I sign in online has no way to create an outgoing message for help. When you call the number on the back of the card, they have you wait for an hour and then transfer you to someone who can complete this VERY SIMPLE TASK! When they transfer you, they just kick you back into the original system and you have to do the whole thing over again. 

PROVIDE A WAY TO MESSAGE CUSTOMER SERVICE WHEN YOU LOG IN TO YOUR ACCOUNT. 

Provide a way to change your statement date 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 non-monetary relief
Consumer complaint received 2023-03-14
Company: PDQ Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a complaint on XX/XX/2020 regarding a debt that PDQ says I had with them. I sent PDQ Services requesting proper validation of debt. I have not received proper proof that I am indeed the party they are asking to pay this debt and there is some contractual obligation, which is binding on me to pay this debt. I didn't have any knowledge of this debt and they are collecting on something I never agreed to ever pay. I have sent the XXXX another compliant about there predatory practices. Delete this account immediately from my transunion credit report because XXXX and XXXX  has done so or I will file a lawsuit because they are still violating the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove/block the following items as they are fraudulent & were opened without my consent or knowledge. 

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