BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-03
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
Took XXXX XXXX XXXX XXXX up on a 'same as cash ' no-interest credit offer last XXXX. Never rec 'd a statement from them [ they apparently had the wrong e-mail address and did not offer paper statements ] ; On XX/XX/2021, they called, screaming that my account was past due! I immediately paid them everything up to that point that they said I owed them. At that point, they instructed me to schedule a monthly ~ $ XXXX to reach them by the end of each month thereafter, which I did. What they didn't tell me was that they stealthily charged me an XXXX cent " trailing interest charge '' but failed to tell me about it. When they called me in early XXXX, screaming that I was " past due '' for the XXXX cents, as we were talking, the XXXX XXXX agreed at the absurdity of the situation and promptly reversed the XXXX cent charge that I never knew I even owed! All good, right? XXXX ... ..... 

When I checked my credit report [ which, prior to this fiasco was an XXXX perfect score ], I discovered that XXXX XXXX XXXX XXXX had reported that I was " 30 days late '' with my XXXX payment. this of course is false information. I have complained dozens of times to them- they keep apologizing and promising to correct it but they never do! I registered disputes with all three credit bureaus as well. They all told me that the only one in human history that can change this is XXXX XXXX XXXX themselves. Pls. help to get this removed from my credit reports as they simply are not able or willing to really do so.

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 2022-03-29
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I sent an int'l wire from my local Truist branch. The staff member used the wrong intermediary bank and I am too inexperienced to have noticed. The money is stuck at XXXX XXXX. I learned this when the receiver informed me the next week they did not receive the wire. Since then, I have visited the branch, made 7 phone calls, and sent 8 emails to either the branch manager or their client resolution specialist. The CRS has never responded to either VM or email - in three weeks. The branch manager told me the return of my money was in process and that she would confirm details within 24 hours - that was 9 days ago. They have had my XXXX for over a month now- they have dodged my efforts to get it back. I am in trouble now with cashflow, as I had to send a second wire.

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 2018-01-17
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
XX/XX/XXXX Called American Express to get an account number for Delta Gold Card. Account was closed in XX/XX/XXXX at my request due to annual fee and high interest rate. 
Joined a debt management program in XX/XX/XXXX and wanted to include the Delta Gold Card - American ExpressXXXX was told by consultant that card number could not be given over the phone and she would have a supervisor return my call. No call was received. 
Called again in the month of XXXX and was told I was given incorrect information and that the only way I could get the account number is if the account is reinstated and I would have to reapply. I did. Account was not reopen, not surprised because they knew I wanted to add it to a debt management program.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
This complaint is regarding Violation of verification and reporting of public information. Negative items ( bankruptcy ) on my credit report ( s ), where I personally contacted the US court house and verified that they do not verify or provide information to the to 3 party credit reporting agencies. How is it possible XXXX, XXXX, and Equifax are reporting a negative public record item? Your assistance is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX I attempted to make a purchase for $ XXXX at XXXX XXXX to which I was a card holder. Hence the word WAS. My XXXX XXXX account was open with a XXXX balance. When I got to the register to pay for my purchase with my {$100.00} open limit to buy to my knowledge, I was declined. Store associate ran my card three times. Each time it came back as declined. I was completed EMBARRASSED AND ANNOYED that my card kept declining because I knew I owed {$0.00}. 

I called customer service after using my normal bank card to make my purchase. The customer service representative said that : 1.In XX/XX/XXXX my credit bureau report was pulled and ONE of my accounts had changed ; therefore, XXXX XXXX *XXXX  XXXX  ) closed my account. She would not disclose which account it was. 

2. I asked, " did I owe XXXX XXXX ( XXXX XXXX  ) any money? '' I was told NO. My account had a XXXX balance. According to the customer service computer, I had a XXXX balance and an open amount of {$100.00} for purchase. 

3. I asked, " who gave XXXX XXXX  the right to just on a whim, run my credit report? '' She replied, we can do that! '' I told her XXXX XXXX ( XXXX XXXX  ) had NO right to run my credit report. It has caused my credit score to go down further, especially since I did not owe them any money. Nor since my other account that belongs to XXXX XXXX  was not past due either. 

This is the second time that XXXX XXXX ( XXXX XXXX  ) has done this to me and I am tired of it! It is an abuse of my personal information, and these actions will not help me in improving my credit score, if companies like this have the ability and the gaul to just run my credit when they feel like it. I was not notified that my credit report had been run, nor given a professional reason as to why this has occurred. 

I have returned the items back to XXXX XXXX and there were quite a few people returning their items this evening also. We can not allow companies to treat consumers such as myself like trash. 
XXXX XXXX  is showing unfair credit practices against consumers and they should not be allowed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We sent Chase the comprehensive contract on XX/XX/2021 which clearly indicated that the property has an apartment number and as such is a condo. 

Per our lock-in agreement signed on XX/XX/2021, the discount point is stated at 0.073 % and expiring on XX/XX/2021. Per the loan estimate package dated XX/XX/2021, we also note the same discount point and the same expiration date. And per the firm commitment issued on XX/XX/2021, the same discount point is mentioned. 

Friday XX/XX/2021 ( XXXX days before closing ) was the first time we noted that the higher discount rate 0.823 %. We signed this so we can close otherwise we would be in breach of contract ( end of time of the essence notice is XX/XX/2021 ). 

When questioned why our locked rate change when it clearly said expiring on our close date XX/XX/2021, Chase first told our attorney that it's due to the change in bank between XX/XX/2021 and closing date XX/XX/2021. It couldn't be because we went with a different lender as we did not sign any documents with Chase on XX/XX/2021 and the first signed document is dated XX/XX/2021. When confronted with this information, Chase change the explanation to the fact that it was a condo and not a single family home, which warranted a change in the discount rate. A condo is legally a single family home. The signed contract we sent over on XX/XX/2021 clearly indicated an apartment number. According to Chase, this pricing change and was immediately disclosed through the portal, which unless we logged on the portal, which we did not, would be completely oblivious to this change. 

I believe a best practice guide, which obligate bank to call/email customers as well as have customers re-sign the lock-in agreement should there be a change in pricing should be in effect to avoid this situation in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: EQUIFAX, INC.
State: MI
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'm on XXXX XXXX but for some reason you won't let me dispute the problems directly on the website but there are multiple issues 1. ) XXXX XXXX XXXX says I owe {$360.00} says original creditor is XXXX but I've never had a XXXX card as you can see there is no XXXX cards listed on my credit report I was a victim of identity theft a few years ago I don't know if this has anything to do with it or not but this account with this collection agency does not belong to me and if XXXX thinks that I owe money than they need to contact me I'm requesting this be removed from my credit report as soon as possible 2. ) There are two XXXX XXXX XXXX one says I owe {$2400.00} the second one says I owe {$6600.00} these were part of the identity theft that happened back in 2016 for the life of me I do not know why they're still being reported the accounts didn't belong to me whenever they were opened and they still don't belong to me they need to be removed from my credit report immediately unless you have some proof that they belong to me if you don't have any proof then remove them please as soon as possible 3. )  There is a closed XXXX XXXX XXXX account says that I owe {$5200.00} this was also part of the identity theft every other bank realizes that this account was not mine and it's been removed I do not know why it keeps getting reported so far at the bank has not been able to provide any evidence any signatures anything concrete that proves the account is mine everything they have is circumstantial doesn't really prove anything they have account statements well yes whoever the thief was was using the card of course you have account statements unless you have some proof I want this removed immediately even the police are aware that back in 2016 I was a victim of identity theft everybody was aware of it we're going on three years later and you still haven't fixed this I'm not going away until it gets fixed this account does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-01
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
An American Express collection person named XXXX  at XXXX has repeated called me XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - 3 times, XX/XX/XXXX - 2 times and XX/XX/XXXX - 3 times. He has also contacted phone numbers of relatives and people NOT related to me looking for me. He has called my grandmas XXXX  line, which I have never lived at and is very inappropriate when it is not a relative. He contacted my mother 3 times. He contacted my husbands uncle, who is NOT related to me. This is borderline harassment at this point. He can call me or my husband as many times. But reaching out to people who are not my relatives is unacceptable and totally violates my privacy. This should not be acceptable!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-01
Company: First Technology Federal Credit Union
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A little over a month ago I opened an account at first Tech Federal credit Union about three weeks after opening the account I deposited a large check in the amount of {$21000.00} in my checking account before making this deposit I verified with a customer service representative from first Tech Federal credit Union if it was OK for me to make this deposit I was instructed that the hold would be seven days for the check, Immediately after making is the deposit I was restricted from my account and a very vague letter was sent to me that the hold would be for 60 to 90 days with absolutely no reason provided other than account Was restricted for activity which is a very vague explanation and absolutely no other reason provided. I have tried to contact the department the placed this hold However all my attempts have had negative results they do not except incoming calls the department that placed the hold.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: EQUIFAX, INC.
State: MD
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 sent certified mail to XXXX, Equifax and XXXX to delete three derogatory items from my credit report. The dates, amounts and actions. 

Dates : XX/XX/17 & XX/X/17 Amounts : {$1200.00}, {$3500.00} & {$88000.00} Actions : The credit bureaus stated, Verified ( They did n't provide me with any info with who they verified with ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I was a victim of identity theft. it is an inquiry that is not mine. It is capital one bank on XX/XX/2021 2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03
Company: Bread Financial Holdings, Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
I had gotten an ( 350.00 ) store credit card from XXXX coat factory and I have been paying on this card only ( 350.00 in thier use ) I been praying them since ( XXXX or XXXX of this year 2021 and I just submitted a payment yesterday. So I decided to check my balance and I have payed this company at ( 180.00 on toward a 350.00 bill ) and I asked them why haven't my payments been going toward my monthly bills and they refused to tell me and told me they don't have too. That is a lie. I want my money or they must put it toward my bill. I only get items on this card no money so why isn't my payments deducted each payment date I am never late. I pay with my debit card. And they refused to sent my statement 's too my other address because they I never got a statement and I asked them why??? Now I see why because they been cheating Me and not applying my monthly payment to my bills.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-23
Company: BBVA FINANCIAL CORPORATION
State: IL
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:
BBVA has erroneously posted an auto loan under my social security number and has caused significant damage to my credit report. On XX/XX/XXXX I notified BBVA customer service that an erroneous entry on my credit report showed an auto loan that I did not have. After several phone calls to BBVA they promised a call back but never did. On XX/XX/XXXX I called BBVA offshore customer service ( in XXXX ) which they advised they had confirmed with the auto dealership where the loan was opened, and that the social security number was correct. I knew this was not true, so I asked the rep for the name of the dealership where the auto loan was opened. The BBVA rep gave me the information and I called the dealership and spoke to the finance manager. He confirmed the Social Security was miskeyed by BBVA. I then called back BBVA and advised them of my investigative findings. BBVA promised a call back and I never received one.  Last night the rep stated that I should just get a lawyer, which is a horrible response to solving this problem. I would like to file 1 ) complaint regarding the issue with incorrect SSN displaying on my credit report 2 ) I would like to file a complaint to your executive managers regarding the false investigation that was conducted on your part. 3 ) I would like to file a complaint to your executive managers regarding every representative who promised to call me back but did not. Per FCRA law the item must be removed from my credit report immediately. The customer service that I received from this bank is horrible. All calls are contracted out to a call center in XXXX, and their customer service skills are horrible. I am not even a customer and I am glad I am not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07
Company: Consumer Adjustment Company Incorporated
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Consumer Adjustment Co, placed a collection on my consumer credit report without following the proper procedures and they are in VIOLATION of the following federal laws : 15 USC 1692G-I never received an initial communication from this debt collection company about the alleged debt or the ORIGINAL CREDITOR. Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. Also, this company is NOT the original creditor for the alleged debt how can this debt be validated I have never had a contract or a wet signature with Consumer Adjustment Co. According to 15 USC 1692J-Consumer Adjustment Co is in violation of this law as well as the alleged debt that is currently reporting on my consumer credit report hasn't been validated by myself as the original creditor or the closed hospital the is reporting. ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. This is also a HIPPA violation for reporting an alleged debt without my consent or providing me the signed HIPPA notice

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been paying XXXX XXXX for almost a year. None of this money has gone to my student loans. They offered me forgiveness of my loan by paying them XXXX a month. My student loans increased, and XXXX just keeps taking money from me each month. It really seems like a scam. Please contact me about this matter. XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I tried to contact the bank first because somebody used the business card of our company to buy different items. As soon we noticed that some transactions happened in XXXX we went to the bank to block the debit card and to make a report. 

A couple of days ago the bank responded that they think we made the transaction. I have enough notes that we were in XXXX during the incident and all the transaction says something about XXXX. 

We want to resolve this issue because the amount is over {$3000.00} and we need the money to keep working. We just missed our sales monthly goal due to this incident because we did not had enough gas to keep driving and go to work with our employees.

Company response to consumer: Closed with monetary relief