BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-13
Company: Credit Karma, LLC
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I logged into check my Credit Karma Score and found out that somehow a Credit Karma savings account was opened in my name that I did not open. I contacted Credit Karma about the account and told them I didn't open the account. They kept asking if I wanted to close my account as if I opened it. I told them each time I wanted the account deleted as I never signed up for it. They asked me if I wanted to close my account again and again. It's not my account. I did not sign up for it. There has never been any activity on the account from what I can see. No bank accounts linked nor any transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My underage son was reported to the Credit Collection Services by XXXX XXXX XXXX for the Covid19 testing performed by the school. The laboratory is in my insurance network and was fully paid with zero patient responsibility. I can provide all paperwork that I owe {$0.00}. The collection agency sent a bill to my XXXX XXXX XXXX son to collect the difference between what the lab charged the insurance company and what the insurance paid under the contract. XXXX and the lab confirmed that responsibility is zero dollars, but the lab still sent the balance to the collectors, which is against their own contract with the insurance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My account was closed and I was put on a payment plan to pay off my balance - so I am forced to do everything over the phone because I do not have an online account. I need to update my payment method but every time I call, I get disconnected immediately. The rep either answers and says they are pulling up my info, then hangs up. Or it connects and there is silence until the call ends. Their inability to provide phone support is preventing me from paying my monthly bill.

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 2022-08-16
Company: EQUIFAX, INC.
State: VA
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:
n accordance with the Fair Credit Reporting act 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: PNC Bank 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: Information is missing that should be on the report

Complaint:
On XX/XX/22 I put in a complaint with CFPB reference number XXXX. I heard back from a representative at PNC who stated that as a one time courtesy they would put my mortgage back on my credit report. This has not happened yet. I would like for PNC to put it back because it was unfairly taken off per my previous complaint.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
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:
Transunion and XXXX XXXX has intentionally, knowingly and recklessly harmed me financially by repeatedly failing to properly and lawfully update my personal consumer report according to specific laws written by the Consumer Protection Financial Bureau. The law is clear and direct and should be understood by all parties involved in furnishing, publishing, and updating my personal consumer report. This is one of multiple disputes sent to XXXX, XXXX, TransUnion, and several unethical and unlicensed data furnishing companies urging all parties to adhere to the law and adjust my personal report correctly. But due to a gross lack of due diligence on behalf of XXXX, XXXX, TransUnion and their related subsidiary entities - unlicensed unethical, and misleading random data furnishes has had an unmetered free run at attacking and financially hurting me. I have received multiple responses from XXXX, XXXX and TransUnion stating that they review and/or investigate. Solely and firmly leaning on the LAW, and based on my results anyone with a trained eye can tell that the three bureaus did absolutely nothing pertaining to investigation or reinvestigation on my behalf, and have failed me as a consumer. If the law is broken all willing participating parties should be held accountable for any fraudulent acts, not excluding Credit Slander and Defamation of Credit. Please refer to Congressional law 15 USC 6802 ( a ) ( b ) ( c ) ( d )

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 2023-06-06
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX, XXXX, and Experian failed to comply with the rules under 15 U.S. Code ss 1681c-2 Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 Business days after the date of receipt. 

I submitted an ftc report as well as a letter disputing the fraudulent items thats on my consumer report, as well as my id, bank statement, and utility bill. I demand that the following items are deleted and blocked immediately : 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 EXPERIAN 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 explanation
Consumer complaint received 2023-08-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Up until COVID, I was always on time with my mortgage. Once Covid hit, I got behind and they allowed me to do forbearance, not knowing it would for XXXX : take away my ability to pay online, making it harder to pay since I could only do it by phone and they wouldn't let me set up reoccuring payments by phone, and none of my banks have their information to sent it directly to them so I could set up auto pay. XXXX : End up hurting my credit the way it did. 

They also had a company come out and redo my loan for me, at my house and didn't give me much information to go on. 

After signing the paperwork, I thought everything was good with my current mortgage company, but apparently not, and I am now in foreclosure proceedings, with an auction date of XX/XX/2023. 

There is also a check for approximately {$450.00} out there that was sent back to me for a partial payment. I have not cashed it, have asked about it and no one has given me any information on it. I also filed this with a dispute in the amount owed to the mortgage companies attorneys, email sent XX/XX/2023 that was supposed to stop all proceedings until this was investigated, I have not heard a reply from them pertaining to this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: IL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX 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 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 explanation
Consumer complaint received 2022-11-06
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by XXXX under the Fair Credit Reporting Act ( FCRA ). 
Account Names has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. Accounts above illegally obtained personal and private information and sold it to other reporting agencies, including XXXX and XXXX did not grant Account Name permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders. 
As the consumer and natural person, I am invoking a specified remedy and making the following demands : XXXX XXXX XXXX  reporting of the account filings above. 
-Remove reporting of the account name filings above from all consumer reporting agencies you may be sharing too. 
-Attached is my FTC report since this is considered fraud and is against the law Ignoring this XXXX and XXXX will be evidence that the infringements were willing, deceptive, and in violation of the FCRA

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 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following accounts, inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission : 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: Capital Asset Recovery INC DBA Jacobson and Wright
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Jacobson and Wright ( XXXX XXXX XXXX XXXX  ) left several voicemails on my father 's phone disclosing who they are, I had an account with them and that they were going to take legal action against me unless I called them back. Even after I called them and gave them my correct number they called my father 's number again and left the same message. When I finally got a hold of them I spoke to someone named XXXX and they threatened to pursue litigation against me unless I set up a payment plan with them. Before I paid anything I asked them to send me a proof of the debt, the contract I signed and their right to collect on the debt, and they refused to send me that and claimed they already had and went on to say since I was refusing to pay at that exact moment they were going to pursue litigation against me and continued to refuse to send me the docs that I asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I opened a business account with Citizens bank a few years back and put about {$1000.00} into the account for spending on business expenses. The purpose of the account was to show I wasn't using personal funds when it comes time for taxes. It was never to pay people or send money to others because my business operations does not require me to ever do that. In fact, all my years of operation, I have never had to send funds to another person or bank account from my own business. 

I didn't use the funds because I never needed to spend the money and the account became dormant from inactivity. In addition, I can not access the account despite my efforts to do so online which means I was not monitoring the monthly statements. 

I went to a local bank / teller to close the business account only to discover about {$120.00} is missing due to various fees. I ask what happened ( since I still can not see the statements ) and they said I signed up for a service called XXXX which I had never heard of. The teller also had never heard of it. The XXXX XXXX at that bank location ( XXXXXXXX XXXX XXXX  also never came across anyone who had ever been charged for " XXXX '' service. Everyone I spoke to at the branch agreed it sounded strange and understood why I would have no need for this service. 

Citizens bank phone Customer support claims I electronically signed up for this service back in XX/XX/2022 which I do not have a memory or a record of doing. I never would have wanted this service because it works the same way as XXXX which was already a tool for money transfer built into their online banking portal... therefore, I have no use for XXXX in any situation. Citizens bank only stopped charging me for it because they stopped using it as a bank. I was also never notified that my subscription to XXXX was cancelled. 

Upon reading about XXXX online, no where on the internet does anyone say they subscribed to it on a monthly basis and were charged for it on a monthly basis. I found an entirely different model for XXXX pricing. 

Out of the approximately {$120.00} in fees I was charged, they are telling me they can not refund it all and are providing no advice or path forward. They are saying they can't provide proof that I signed up for this service. They are saying they can't refund the fees in full because of annual " limits '' to refunding per account. If they can't show a record of me signing up, I don't see how it's legal for them to keep my money. If they have done this to many dormant business accounts, this sounds like a class action lawsuit waiting to happen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-21
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TD BANK N.A. is improperly and illegally reporting a collection on my credit report under acct # XXXX. 

This is affecting my credit score and ability to apply for new credit.

Please remove it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Frontline Asset Strategies, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Frontline Asset Strategies has called my number daily looking for an individual that is not connected to this phone number. I tell them they have the wrong number and they have continued to call even though I told them not to call again. Yesterday I was asked if I knew the person they are trying to contact. They are harassing me for what reason? I am not the person they want to talk to. Furthermore they do not identify themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
ExperianXXXX did not warn me of security risk which happened on XX/XX/2023. Someone changed my password and username. I was not notified about this change. I tried to call and log in. The account has been changed and my information is at risk. The person or whomever changed the email address.

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 2021-01-12
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:
My name is XXXX XXXX XXXX XXXX am writing to delete the following information off my file. The items I need deleted are listed in the report. I am a XXXX of XXXX XXXX and did not make the charge. I ask the items to be deleted to correct my credit report. I reported the XXXX  of my iXXXX to the Federal Trade Commission and I also have enclosed enclosed copies of the Commissions Identity Theft Affidavit. Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My closing date for my billing cycle at Bank of America is on the XXXX of every month. I made the payment on the XXXX of XXXX and the payment has not been reflected on my account, as of XX/XX/XXXX. I also made a payment transaction on the XXXX of XXXX. I was told by a representative that it would be reflected as a transaction on my XXXX statement, however it did not reflect on my XXXX statement as a payment payment until XX/XX/XXXX, which is the next billing cycle.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-27
Company: JPMORGAN CHASE & CO.
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am JP Morgan Chase customer for over 15 years and has banked at the same bank for XXXX years ( it was WAMU before Chase ). 

I deposited {$54000.00} check in person on XX/XX/XXXX at local Chase branch. 

The receipt provided had a statement that stated that according to their information the other account did nor have sufficient funds. That was a blatant lie. Chase put 7 business day hold on the deposit. 

I thought this is standard process and check will be released as soon as funds clear from my other ban account. BOTH BANKS ARE IN SAME TOWN WHERE I LIVE AND ARE LOCATED WITHING XXXX MILES. 

Hold was not lifted NOR my check was presented for payment to my bank. ACH should not take any time. 

I called chase bank and Chase rep. in my presence verified that check has cleared, however hold was NOT removed.

Company response to consumer: Closed with explanation