BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-28
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have asked them to please cease and desist contact as they are calling me up to 10 times a day regarding my past due balance. I have told them on several occasions that my husband has lost his job, and it is down to my income only. I have to choose to feed my family or pay the creditors and my family comes first. I can not have them calling me up to 10 times a day 7 days a week. It interrupts my work and any time I do have to get other things done. I am doing the best I can in this situation and calling me nonstop is not going to make me pay any faster. I have tried explaining it and they say well we can only stop calling for a few days until you give us money. I can't afford to give any money right now as I am barely hanging on and we are close to bankruptcy. I just need the calls to not be so excessive. 1 time a day is way more than enough. I know I owe money. Calling me constantly isn't going to make money appear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
It was in XXXX of XXXX XXXX XXXX XXXX sold my Line of Credit to Specialized Loan Servicing. 
At first it seemed ok but, when I tried to create an online account to make payments they also, told me ( and laughed at me ) my loan is in bankruptcy and I didnt know what I was talking about. So, I mailed them and their attorney copies of the plan. Then, after 2 months they finally acknowledge I am paying and sending regular statements, I find ... they have misapplied my payments beginning with XXXX, which was received by XXXX on XX/XX/XXXX, being that the loan was transferred on XX/XX/XXXX making the first payment due to SLS XXXX. 

After months of endless phone calls, faxes, emails, and documents being mailed ... being told over and over on recorded phone calls we see the error and we will get it fixed, nothing changes. Nothing! XXXX XXXX would not help! In XX/XX/XXXX, I called XXXX XXXX again and that is when XXXX told me about Boss Law. 


XXXX XXXX XXXX claims that service was transferred to XXXX on XX/XX/XXXX due for the XX/XX/XXXX payment. Also, that SLS is unable to comment on the servicing of the account that occurred with the prior servicer. Yet, they claim to know my payment was for XXXX when it was for XXXX! There is one reason they may claim an amount was due for XXXX of {$28.00} which XXXX did not receive until XX/XX/XXXX. But, that was forwarded to them, they have it in their records! 

Once they even tried to claim it was the XX/XX/XXXX payment that was late, since it was the same payment amount. 

Here is a simple history of what happened : XXXX - {$520.00} recd XX/XX/XXXX XXXX  XXXX - {$520.00} recd XX/XX/XXXX XXXX  + {$28.00} recd XX/XX/XXXX XXXX   = {$540.00} XXXX - loan transfer XX/XX/XXXX to SLS XXXX - {$530.00} recd XX/XX/XXXX SLS XXXX - {$530.00} recd XX/XX/XXXX SLS + {$48.00} recd XX/XX/XXXX SLS = {$580.00} XXXX - {$530.00} recd XX/XX/XXXX SLS XXXX - {$540.00} recd XX/XX/XXXX SLS XXXX - {$520.00} recd XX/XX/XXXX SLS XXXX - {$500.00} recd XX/XX/XXXX SLS The reason for payments being in 2 payments is because I didnt always know the current amount due. 

XXXX - {$500.00} recd XX/XX/XXXX SLS XXXX - {$500.00} recd XX/XX/XXXX SLS XXXX - {$490.00} recd XX/XX/XXXX SLS XXXX - {$480.00} recd XX/XX/XXXX SLS XXXX - {$440.00} recd XX/XX/XXXX SLS XXXX - {$450.00} recd XX/XX/XXXX SLS I will continue with this when I receive the statement for 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 explanation
Consumer complaint received 2021-10-21
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Last month ( XX/XX/2021 ) I submitted a complaint with the CFPB concerning a promotional fee problem connected with my Chase Bank Sapphire Reserve credit card ending in XXXX. Chase Bank responded in a very timely manner and I thought the problem had been resolved. Chase Bank did not live up to their " No Fee '' promotion on their " My Chase Plan '' zero fee promotion that ended on XX/XX/2021 for major purchases. I made a purchase of over {$6700.00} ( XX/XX/2021 ) that was within the framework of the zero fee promotional period. Today ( Thursday XX/XX/2021 ) I see on the Chase Bank website that I again was charged {$27.00} ( a monthly FEE ) for that major purchase. When I called to dispute the charge I was told that the " {$27.00} refunded last month was only a one-time conciliatory refund, NOT ongoing for the remaining 11 monthly payments. '' That was a contradiction to what I was told 3 weeks ago when Chase contacted me after hearing from the CFPB. Bottom line : Chase Bank has reneged on their No Fee promotion and has done a 180 on what I was told during a conversation with " my advocate '' almost 3 weeks ago. Shame on them!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-26
Company: HUNTINGTON NATIONAL BANK, THE
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have a checking & savings account with Huntington Bank. On XXXX XXXX XXXX  I had two identical fraudulent charges made using my checking account via XXXX. Both were for {$600.00} sent to a XXXX XXXX & a XXXX XXXX minutes apart. I notified Huntington immediately but was unable to speak to anyone until XX/XX/XXXX, due to the holiday. I was told the charges, totaling {$1200.00} total, would be investigated. I found it odd that they did not close down my account. Today on XX/XX/XXXX more than 3 weeks later, I received a letter telling me they ruled this was not fraud & gave no method to argue their findings ( only that I could request the documents they looked at ). While I only received this letter today, it is dated XX/XX/XXXX ( 7 days after the fraud occurred ) & post marked a week later ( on XX/XX/XXXX ). I tried to contact them several times during these XXXX weeks to get an update on the investigation, but was automatically put into a have a representative call me back answering service. I wasnt able to talk to an actual human during any point of their investigation only my initial call/report to a female representative who did not give me a case number or any information that I could use to reference that we had ever even talked. In the 3 weeks following, I continued to get alerts that my phone number was changed on my account ( including one within the XXXX hours of the fraudulent charges ) pointing to fraud/hackers. I changed my number, password & opted to use facial recognition for my account & notified Huntington about this & the possibility this was all linked & asked them how to proceed. I got no response from Huntington.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
There is a large number of inquiries on my report that do not belong to me and that I did not give consent for. I have contacted each company and they would not verify why my credit was ran. Most of these places are car dealerships, finance companies, and credit unions in which I did not authorize. I am sending a letter to the CEO 's of Transunion and XXXX next as I have not been able to get any results from representees. I have filed a complaint of identity theft with the FTC in which they gave me free credit monitoring since none of these accounts were opened. I attempted to file a police report, however, without the individual actually opening an account, they only took a written statement. Statement : XXXX which will be held on file if I notice anything come up on my credit report that is opened. 

Transunion : The follow inquiries are listed that I did not authorize : 1. XXXX  2. XXXX XXXX 3. XXXX 4. XXXX CA 5. XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX 8. XXXX 9. XXXX XXXX 10. XXXX 11. XXXX 12. XXXX XXXX 13. XXXX 14. XXXX ( again ) 15. XXXX XXXX  16. XXXX XXXX 17. XXXX XXXX 18. XXXX 19. XXXX XXXX 20. XXXX XXXX 21. XXXX XXXX 22. XXXX  XXXX  23. XXXX 24 . XXXX 25 . XXXX 26. XXXX XXXX  XXXX  27. XXXX XXXX 28. XXXX XXXX XXXX 29. XXXX XXXX 30. XXXX XXXX 31. XXXX XXXX 32. XXXX XXXX  33. XXXX XXXX 34. XXXX XXXX XXXX : I did not authorize any of these inquires for any reason. 
1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX & XXXX XXXX 8. XXXX 9. XXXX 10. XXXX  XXXX ( again ) 11. XXXX XXXX XXXX 12. XXXX XXXX 13. XXXX & XXXX XXXX 14. XXXX XXXX ( XXXX ) 15. XXXX XXXX XXXX 16. XXXX XXXX 17. XXXX ( again ) 18. XXXX XXXX 19. XXXX XXXX 20. XXXX XXXX XXXX XXXX 22. XXXX XXXX 23. XXXX XXXX 24. XXXX ( XX/XX/20 )

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 2023-08-28
Company: Westlake Services, LLC
State: CA
Product: Credit reporting 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:
I stayed around 10 days in a hotel close to XXXX, and at around third night, I left all my expired documents, credit cards etc to be destroyed since they are expired. But I just left for several hours for a small trip, the hotel maid either stole them or garbaged them. Later on I reported to Police, and whoever stole my documents immediately tried all my old credit cards, and at least 5 of them went through, not even counting those valuable stuff which are stolen. and after that, occasionally I got a fraud charge from my credit card. And some even happened on my newly applied cards or recently replaced cards. And they also applied some loans with my identity, on XX/XX/, I got at least 5 credit inquiries listed below which are fraudulent! I am trying to dispute them right now! 
XX/XX/2023 : 1. XXXX XXXX 2. XXXX XXXX XXXX 3 XXXX XXXX XXXX XXXX 4. XXXX XXXXXXXX XXXX XXXXXXXX 5 XXXX XXXX XXXX XX/XX/XXXX  Dormant Acount Activity Lender : XXXX Amount charged : {$520.00}

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 2020-04-14
Company: BBVA FINANCIAL CORPORATION
State: AL
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:
To whom it may concern, I have an XXXX XXXX Credit card issued by BBVA Compass ( BBVA ). I'm currently an XXXX and XXXX veteran getting a second degree in XXXX  in Washington DC who honestly went back home to Alabama during the COVID outbreak. When I went home I didn't update my address and failed to pay the {$110.00} balance on the credit card because I wasn't aware I owed the balance. I've had a banking account for 17 years with BBVA and a credit card account for at least 5 years. 

I've been in Alabama displaced from COVID for over a month and got an email stating there were changes to my credit score. The credit report stated I had a a delinquent account with BBVA. While I acknowledge I failed to pay this on time, it clearly would've been paid on time but for the fact I didn't see it. I requested that BBVA remove the negative credit report, but I was told BBVA was unable to remove it, but they could refund me my late fee. This is the first negative credit report I've ever had and I requested it removed after being a loyal BBVA customer for nearly 20 years with over 9 of those years banking with BBVA as a served as a XXXX in the XXXX XXXX. 

The Consumer Financial Protection Bureau ( CFPB ) issued a statement regarding COVID-19 's impact on the Fair Credit Reporting Act and in paragraph 3 of page 1 it states : " The Bureau intends to consider the circumstances that entities face as a result of the COVID-19 pandemic and entities good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. '' I respectfully request to remove the negative credit report from my credit report due to the fact I've never had a negative report ever and I was not aware I owed this because I left Washington DC at the beginning of the COVID-19 outbreak in early XXXX. Further, I've attempted to repay the late balance upon notice of the negative credit report. I've made good faith efforts to comply by updating my mail address so this will not occur. This is a tumultuous time and the CFPB would not have issued a policy statement on this matter if the CFPB did not think this was to occur. 

Thanks in advance. 


https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Uplift, Inc
State: IN
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:
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 XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, UPLIFT INC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 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 accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
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:
I have contacted TransUnion about the identity theft & their response is the information has been verified. This dates back to XX/XX/2022 2022

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 2023-07-17
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
Company: BMW Financial Services NA, LLC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing to dispute the following inaccurate information against BMW Financial Services. I have leased with BMW twice. The second lease I was eligible for early lease due to a promotional offer at the time. I started a new lease in XX/XX/2017 and was assured that since it was the beginning of my lease, my payment dates will not be affected. On my credit report they reported me for a late payment in XXXX when in fact that was inaccurate. I paid twice in XXXX and was early for XXXX payment. They had a glitch in their system and they failed to notify me. I notified XXXX and filed a dispute, but unfortunately they couldnt do anything and advised me to reach out to BMW. So I reached out to BMW and they mentioned it was a system glitch and also mentioned I was always on time with my payments. Because my account is closed and paid I full, they can not remove the late payment on my credit report. 

Enclosed are copies of my payment history and you will see that I made two payments in XXXX and in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I been trying to get a real bank account, but I have been unsuccessful and if I and successful the bank either close within a week or two saying they relooked at my information and decided to close without telling me a real reason. I believe thats against the law for misjudgment and you cant deny someone without giving them the real reason why.

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 2023-01-02
Company: Cedars Business Services, LLC
State: NC
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 NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT. I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act & XXXX XXXX XXXX. I am being XXXX XXXX my credit with no explanation on an erroneous, alleged collections information. CEDAR BUSINESS SERVICES has never proved this debt collections belong to me legally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: KEYCORP
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Account sold or transferred to another company

Complaint:
I have multiple credit cards and when I contact my credit card companies I have been notified there were multiple cards sent out under my Social Security number thats attached to my cards without my permission I am a victim of identity fraud I even contacted the federal commission I have been trying to get this to stop however it seems like every time I put a report in I discover something else is going on. Ive had credit cards stolen and used and linked to without my permission. Thats just also includes the investment I was using the app for XXXX and I requested a refund of my money and instead of the refunding it they diverted it to a different type of currency been an ongoing thing for several months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: EQUIFAX, INC.
State: DC
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 had a tenant and employee that committed fraud when they signed the agreement with XXXX XXXX, i did not sign the agreement, the agreement was signed illegally without my support and signature. I did note enter into the agreement the woman XXXX who signed the lease, signed up with XXXX XXXX not me. I need this removed from my credit it is killing my credit score. The agreement was not entered by me it was fraud i did not know about it until I applied for a loan and my credit score was getting hit by XXXX  for a debt i did not authorize, sign or even know about.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-02-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
A fraudulent account was opened in my name in XXXX XXXX XXXX XXXX. This was identity theft. I sent in previous documents reported to law enforcement and XXXX XXXXXXXX removed the account and then put the account back on my credit report. I contacted the fraud department on XX/XX/2023 and the representative confirmed that the account was removed and then put back on my credit report. This information was provided to me from the XXXX XXXX representative on a recorded line and Iwould like this fraudulent account removed.

Company response to consumer: Closed with explanation