BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
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:
So I had previously filed a complaint against Bank of America for arbitrarily lowering my credit limit from {$7000.00} to {$4000.00} and reporting late payments to the credit bureaus even though I had in fact made monthly payments ( XXXX ). Surprise, surprise when a bank investigates themselves, they don't seem to find any wrongdoing! 

As a follow up to this in XXXX, I paid off the majority of my balance, leaving me with approximately {$400.00} of my {$4000.00} limit. 

Though I probably shouldn't be surprised at this point, this audacious institution committed another egregious act against my credit report XXXX on my birthday ), and lowered my credit limit from {$4000.00}, to {$500.00}, taking my reported usage from 10 % to 90 %! So let 's review! 

XXXX. Consumer illustrates ability to pay off over 80 percent of balance in spite of previous damage done to credit report done by Bank of America 2. Consumer is 'rewarded ' by having credit limit reduced and as a result, reported usage skyrockets from 10 % to 90 % When will the consumer finance protection bureau finally step in and take action against this shameless institution?!

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 2023-11-28
Company: Experian Information Solutions Inc.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX  XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/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 explanation
Consumer complaint received 2018-10-20
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Upon pulling of my Lexis Nexus report, by a mortgage lender, they noticed a State Tax Lien. Ive spoken with my county circuit clerks office and looked online repeatedly for this incorrect tax lien and they have no record of it. So again, I went to the XXXX County Circuit clerks office website today and seen again, no such record. They are hindering my ability to purchase a home for something that it being reported on my credit file incorrect. I have attached a picture of the XXXX County Circuit clerks website where it says no information found with the case number!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: WAKEFIELD & ASSOCIATES, INC.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX my son was born at the XXXX XXXX XXXX XXXX owned by XXXX XXXX. I am an employee of XXXX XXXX and chose this facility for my wife to deliver to make sure our insurance covers everything. When our baby was born a pediatrician came in to see the baby, we were not given a disclaimer that this Pediatrician is from XXXX XXXX XXXX '' and was not covered by our insurance. It also does not make sense to have an out of network doctor at a in network hospital. We were not given the choice to choose an in network pediatrician. The lack of transparency from total pediatrician and then having the nerve to transfer the amount they think I owe is shady. I received a couple of letters from them directly and today on XXXX XXXX I received a letter from Wakefield and Associates on behalf of XXXX XXXX XXXX. Considering all the circumstances I do not think I am liable for this debt as I did not signed to receive out of network services nor did I opted for their physician. I would request them to close this account and cease all communication with me.

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 2023-11-28
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

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 2017-12-06
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been dealing with Bayview Loan Servicing. Nothing but lies and false information. First I tried to a loan modification. I was turned down for a the modification. So I decided to do a short sale. I was told not enough time. As the paperwork was turned in 63 days a head of the sales date. 

Also a BPO was ordered with the value coming in XXXX higher then any comparable sales in the area. My house is more of a lot value then anything. Bayview refuses to work with me. All I get is lip service. As CA does not have dual tracking.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a copy of my credit report and found the following items to be in error : 1. Validate Account XXXX XXXX Account Number : XXXX Please ensure that all information is accurate XXXX. Validate Account XXXX Account Number : XXXX Please ensure that all information is accurate XXXX. Validate Account XXXX  Account Number : XXXX Please ensure that all information is accurate By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Pro Com Services of Illinois, Inc.
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:
There are currently 2 accounts from this creditor for the amounts of {$180.00} & {$86.00}. 
I do not show any information differentiating the accounts, meaning one of these is a duplicate. 
Furthermore, written notification for verification of who and how this alleged debt was verified to this debt collector has been sent on the following dates : XX/XX/2022 & XX/XX/2022, with no response each time. On both occasions, a 30 day investigation period was given. This company has not been in compliance of the FCRA laws during this investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
JPMCB CARD SERVICES Reported : XXXX XXXX, 2022 Balance Credit limit {$20000.00} Improper use of my credit report. Fraudulent In accordance with the fair credit reporting act, this creditor, JPMCB CARD SERVICES has violated my rights Under section 15 U.S.C. 1681 section 602, states I have the right to privacy.

15 U.S.C. 1582 section 604A state to consumer reporting agencies a creditor can not purchase and furnish account information without my instructions 15 USC 1666 B states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose It is my request that this account be removed from my credit bureau of XXXX and any other credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: Experian Information Solutions Inc.
State: MD
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:
In accordance with the Fair Credit Reporting act XXXX  inquiry by 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 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 have violated my rights and inquiries are preventing my self and my family from purchasing my home and obtaining finance. 

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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S.C 1681n. Civil liability for willful noncompliance ( a ) ( 1 ) ( A ) ( B ) and ( b ) Civil liability for knowing noncompliance 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 2023-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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 belongs to someone else

Complaint:
I XXXX XXXX am a victim of identity theft my information was used illegal by primary physician office I was sent letter of the lawsuit that I was effected and a part of class action suit and didn't recieve any money but not interested in the money more so my credit that was effected and still reporting on my credit report I filed for identity theft thru identity theft.gov also reach out to each company in XXXX and still the problem arising on my report and hindering me from my credit .based on Law 15 us code 1681c-2 a consumer reporting agency shall block the report of any information on the file of a consumer that the consumer identifies as information that results from an alleged identity theft no later than 4 business days after the date of receipt. If has been 30days ans you are in violation of the law because I am a victim of identity theft!!! Please delete these items as soon as possible! These accounta should not be furnished on my consumer report as they are in violation!!! Under 15 us code 1681b permissible purposes of consumer reports ( A ) in general subject to subsection of any consumer reporting agency may furnish A consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN Institution of the consumer to whom it relates. I never gave any consumer reporting agency written consent to report anything on my consumer report which violets my rights as a federal protected consumer. No consent is identity theft. As a consumer I Am demanding the deletion of these accounts listed IMMEDIATELY. Accounts as follows : 1.XXXX XXXX 2.XXXX  XXXX 3. XXXX XXXX 4.XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX  ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX, and 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 a account without my written instructions.

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 2023-02-04
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been a Chase customer for a long time, with a checking and savings and also the credit card in question. I believe my apr was somewhere in between 8-10 %, which I will never be able to get such a low interest rate like that again, so it's especially upsetting that this card was closed by Chase. A bit of backstory is necessary here in order to understand why this occurred : I have been on SSI for approximately 24 years and a financial review was done on my case and they falsely attributed more money than I actually had and they stopped my payments. Long story short, although it's been 9 months and I've furnished all the information they've requested, they still have not returned me to pay status, nor have they paid me while waiting on appeal which they were supposed to, so I have had no money and my automatic payment to my XXXX card bounced in my Chase checking account, even though I called XXXX ahead of time and asked them to take me off of auto pay and which they agreed to do, somehow it went through anyway. So this set off a chain reaction whereby I had a negative {$150.00} balance in that checking. Also the unpaid XXXX card combined with that must have lowered my credit score enough to trigger an automatic closing of my Chase card when it was time for a review. I had just paid a total of {$600.00} on that card ( borrowed from my Mom ) so that i could use the card to pay my rent. They didn't care! They were absolutely cold-blooded when I called them in tears and inquired why this was happening. I had never even been late with a payment ... .yes i carried a high balance, but just a couple of years ago I paid off {$3000.00} of my balance, so I have made progress at times. I had no idea that they could just close one 's card when the account was in good standing! Needless to say it caused me extreme hardship since I was unable to pay my rent, and I was already extremely stressed over losing my SSI benefits, which was what caused me to be in this dilemma in the first place. Now XXXX card has closed my account as well, and my APR on that was 10 % so I am really dismayed and depressed over losing it as well. Now I have no credit cards whatsoever, and there's no way I will ever sign up for the offers i get in the mail these days ... ... .APR of 29 % and the like. If anyone can help me with what I feel was an unfair and unwarranted closure of my Chase credit card, I would so appreciate it. Also, Chase also closed my checking and savings accounts as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Me and my wife installed solar and financed with a company called XXXX. As part of the process they offered us a credit union account with PenFed. We declined, nver filled out the paperwork to enroll in this credit union. We then received information about our bank account under just my name not my wife 's name from PenFed, I called and declined the account that we never signed up for, they said they can't close it, we would have to have XXXX close it, I called XXXX they said they have nothing to do with the account being open. I have called and emailed PenFed Credit Union many times, now they won't respond to my emails, and last week recieved a Welcome to PenFed folder for my new account, they also send me a {$5.00} check which I am sure to get me to deposit the check as a way to solidify agreeing to this account. I want this account closed and it's impossible to get them to do it. I have read their reviews on line and they seem to be a scam of a bank that has very bad reviews. How can I get them to close this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: ResidentCollect, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a joint collection account, it does not belong to me, it belongs to my old roomate The collection company is called Innovative Recovery Inc and they opened the account on XX/XX/2020 They claim i owe {$170.00} But i called the original creditor and they said the balance was {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: EQUIFAX, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
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:
In 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 TransUnion XXXX Date Last Active : 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 2020-12-12
Company: Square Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
Cash app States that you can cancel a payment or if you have a disputes they will investigate I had disputed a charge on my cash app account I didn't recognize the name on the transaction nor did I receive a text for said transaction I ask them for help with identifying the individual and all I got were automated responses And so after their failure to respond or give me any type of information regarding my request I reached out to my bank and dispute the charge. And I inform them that I had spoken to cash app and ask for their help and they failed to provide it and I also let them know that I did not receive a text for that particular transaction like I do the rest of my transactions. 
( Please note this is not the 1st time I had to reach to my bank regarding a Cash app issue and each time I did I would eventually get an email asking me to verify my account ) Shortly thereafter after I receive a request from cash app to verify my account and when asked why I need to verify my account I got no answer I did try to verify my account using my debit card they want the head on file and they keep telling me they're were unable to verify my account even though my card was scanned in on their app and sent by email. and now they have closed out my account and are refusing to reopen or offer any assistance. 

please note that email associated with my Cash App account is a XXXX  account

Company response to consumer: Closed with explanation