BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-25
Company: Bread Financial Holdings, Inc.
State: CA
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:
Victoria 's Secret has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. 
I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by Victoria 's Secret before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or Victoria 's Secret to furnish any late payments to my consumer report. It is my belief that due to Victoria 's Seceret business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XXXX I reported 2 charges that were not mine. My bank originally filed my claim wrong, the. Had to re file. I was told in XXXX that I would get a provisional credit, I have yet to receive. 2 months into the investigation they freeze my account questioning a mobile deposit I made in XXXX. Please see my attached time line.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Final update regarding the following complaints : XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | On XX/XX/2021, the Financial Non-Depository Examiner from the Office of the Commissioner of Financial Regulation in the Maryland Department of Labor confirmed that I do NOT owe the deficiency balance reported by XXXX XXXX, XXXX. The deficiency balance reported by XXXX XXXX XXXX XXXX is disallowed under the power vested to the Commissioner by Md. Code, Com. 12-1021 ( j ) ( 3 ) [ 2021 ]. I demand that the credit bureaus retroactively scrub any and all negative data from my credit reports and deny any additional negative reporting regarding this case. Lastly, I am concerned that the CFPB is seemingly a mere soundboard about as effective as a crowd-sourced review website. This process took far too long despite the irrefutable evidence I presented. If I didn't possess advanced legal knowledge as someone who sat for the bar exam during this ordeal, I am not sure I would have been treated fairly in the end. I am seriously worried that laypersons are extremely vulnerable to unfair credit reporting practices with very few resources available offering sufficient recourses. How many people had claims similar to this that were meritorious but were only recorded and not resolved because agencies and credit bureaus took the word of the creditor over the debtor even when the debtor was unfairly treated? Here, the creditor only had to create documents to support their defense - of course, it will be biased - so, why accept them for their face value? A deficiency balance is not valid simply because the creditor says so. I hope Congress and state legislatures use this case as an example to strengthen consumer protections and to improve the efficiency of this federal bureau. Thank you. Enclosures.

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 2022-01-09
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XXXX XXXX Ford credit offices. Was informed that XXXX XXXX XXXX, my ex husband had paid off the debt in full. That they did not have any record of it going to collections. 

Was expecting a letter from them with this detail per my request within XXXX business days. Never received it. 

Have written 4 letters since to debt collection address on file and disputed with each bureau to only have the debt somehow magically owed in XXXX and XXXX. I have never received a letter or any information of this debt. 

Called back to the XXXX office on XX/XX/XXXX to again be told they have no record. Again I requested a letter stating as such in which I have not received. 
Called the 3 bureaus to open disputes as their reports are inaccurately reporting a debt that dies not exist only for all 3 to ignore my proof and keep the account on. 

At this point XXXX and the bureaus are reporting an illegitimate debt that neither they nor FORD CREDIT can give evidence that I owe.i have no account number as the one in the report does not match any of their records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-20
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted the each credit bureau Experian, XXXX, and XXXX to resolve identity theft dispute but XXXX sent letter stating they would not process my dispute after I sent identity theft report and police report and dispute letter. XXXX stated they could not find a credit report under my ssn XXXX and has two or third fraudulent credit profiles under my name. Experian received and accepted but did not remove fraudulent accounts. 

Here are the accounts below that were opened fraudulent. 

Bankruptcy Chapter XXXX discharge Reference XXXX Amount {$0.00} XXXX  / XXXX Balance {$2700.00} XXXX / XXXX- Balance {$0.00} Dept of Education/ XXXX - Balance {$6800.00} XXXX - Balance {$1200.00}

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 2021-10-22
Company: World Omni Financial Corp.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/2021 I the consumer and natural person was violated and had my property seized and stolen from me by and unauthorized third party by the name of XXXX XXXX. I have never had any prior business or interactions with this company nor have I ever gave this company consent to take possession of my private property. I am in fact the entitlement holder for the property and I demand I be returned. This company received an order from XXXX XXXX XXXX to take my property due to non payment but it is a fact that this vehicle was paid of pursuant to 16 cfr 433.1, 16 cfr 433.2, and 16 cfr 433.3. This vehicle was 100 % paid off from XXXX XXXX  XXXX XX/XX/2021. After it was paid off, the dealer sold this contract to XXXX XXXX XXXX XXXX. This notice is for XXXX XXXX and XXXX XXXX XXXX. XXXX XXXXy request a copy of the alleged agreement between this company and look at page 3 section 2 ( c ) It states " This secures payment of all you owe on this contract ''. Also there was a cease and desist placed on this on vehicle XX/XX/2021 at XXXX ( the recording will be attached ) Notice to agent is Notice to principle, Notice to principle is notice to Agent This is a formal notice This is a Cease and Desist I am the consumer pursuant to federal law 15 usc 1692D I am the administrator, and executor. You all have violated 15 usc 1692B ( 2 ), 15 usc 1692C, 15 usc 1692D ( 1 ), 15 usc 1692D, 15 usc 1692E, 15 usc 1692F, and most importantly 15 usc 1692G ( c ) I am the consumer of the united states and I dont owe anyone anything and this is written notice that I refuse to pay any and all debts until you all provide me with federal laws that state that I am responsible for paying any debt and written disclosure that I gave you stating that I want to do business with either of you, ( contracts that where purchased do not suffice as written agreements between XXXX  XXXX  or XXXX XXXX XXXX XXXX ). 
Return my property to me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: Torres Credit Services, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get calls several times a day from Torres credit services. Number XXXX. No one speaks when I answer or they only say hello. When I call the number I am put on hold and then sent to voicemail. The repeated calls on a daily basis are disruptive to my household and constitute harassment. Please help. I do not have any outstanding debt. This is clearly a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: FISERV INC.
State: IL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/11 I was charged a pending charge after I already paid the charge amount in full. The pending charge is still on my account 2 weeks after I have made several calls and had the company who the charge was to fax a removal form. Money Network told me XXXX XXXX had to fax a letter stating that the pending charges could be removed that XXXX XXXX was not going to be charging them because the order was already paid in full. I have made several attempts with Money Network and they lie to me and keep increasing the so called date the pending charge will be removed. Every time I call Money Network employees are in a hurry to get me off the phone and when they tell me they are going to transfer me to the escalations department the phone always hangs up. The amount that Money Network owes me is {$170.00}. I have attached a snip of my account. On XX/XX/11 at XXXX I was charged {$26.00} and {$140.00} which adds up to {$170.00}, which is what I purchased paid in full. After that I was also charge {$170.00} in a pending charge after the full purchase amount was already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: TN
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:
I was not notified of any results from the credit bureaus. On XX/XX/2022 I sent in letters requesting verification on some incorrect items that's reporting to my credit. These negative items are holding me back from opportunities I can have to improve my financial situation. I'm already on a social security-based income. Please help me solve my issue.

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 2017-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband XXXX XXXX a little over a year ago. He was listed as the borrower on a 2nd mortgage with Bank of America. I was never listed on any loan documents but he did add my name to the deed years later. The house is currently underwater and my real estate agent is trying to help me resolve the issues and short sale the property. Because I was added to the deed, I understand that I might have tax liability for the property if it is foreclosed, so I chose to sale instead. Bank of America is requiring me to send them financial information so they can do a loan modification and make me responsible for a loan that I cant afford. Even if they modified the 2nd loan, I cant afford the 1st. I moved out of the property because I could no longer afford to live there. They are claming that new CFPB regulations require this process but I do n't think I should have to send a debtor ( that I dont have a debt with ) my financial information for them to review and then potentially report negative information on me for not being able to afford it. My husband made a lot more than I did and now that hes XXXX I had to leave my home. Bank of America is taking advantage of my misfortune. FYI- the first loan has agreed to the short sale after completing a streamline process that did not require me to send any of my personal financial information.

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 2022-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. 
Tel XXXX Acct : XXXX On XX/XX/XXXX, I rented a car with XXXX for XXXX total of 5 days, until XX/XX/XXXX. 
I proceeded to pick up the car on the previous mentioned date and returned the car on the contract date XX/XX/XXXX. 

Unfortunately, when I proceeded to return the car at the airport XXXX XXXX of XXXX York XX/XX/XXXX, there was not XXXX representative available to take the car keys, for this reason I proceeded to leave the keys inside the car as instructed by the Gate keeper/Airport parking representative. 
I then boarded my plane back home XXXX Florida, on XX/XX/XXXX, ( please find attached the ticket for evidence ) and forgot about the rental car. 

On XX/XX/XXXX, when I check my card, I saw new charges on my Capital One credit card from XXXX, I thought it was taxes and fees which is normal for my previous experiences, however, the next day more charges appeared on my card. I proceeded to call XXXX to questions the charges and the representative told me they were having system issues and couldnt tell me why I was still been charged. 

Finally, after all pending transactions posted from XXXX 10 days after, I call them again, only to find out that they never received the parked car at their parking lot at the airport, and they were charging me for it, just like I did never return the car, which is totally XXXX XXXX since I did return the car. 

I will be more than happy to pay for the XXXX period that we agreed on, however I felt like is abusive, unfair, and and misleading the fact that they give clients the wrong information and make it very difficult to get confirmation o returned due to the poor staffing. 

Also after reporting this issue to Capital one bank and and them conducting an investigation, they refer me back to the merchant, violating all the XXXX purchase protection agreement that we are bounded with. 

Next step will be to seek legal advice if this matter is not resolved I will be more than happy to pay for the XXXX period that we agreed on, however I felt like is abusive, unfair, and and misleading the fact that they give clients the wrong information and make it very difficult to get confirmation o returned due to the poor staffing. promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: JPMORGAN CHASE & CO.
State: CA
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:
I opened a credit card account ( Chase Sapphire Reserve ) in XXXX XXXX with Chase bank. On XX/XX/XXXX I called to request the bank waive my annual fee pursuant to the Military Lending Act that went into effect on XX/XX/XXXX as an XXXX military member. They refused to do so unless they were forced to through a credit bureau review initiated by me closing and opening a new account or opening a new card on that account. Their request to have me open a new account in order for them to comply with a law represents undue financial obligation and credit score impact when they should simply comply with the law and apply it to my account to waive the annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: PNC Bank N.A.
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I bought a new coop unit in XXXX. I have repeatedly asked PNC Bank to set me up for paper statements and they have yet to do so two months later. My mortgage loan is # XXXX. All I need is for them to mail me paper statements to the property address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: TX
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:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2017-11-05
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
Hi, At the beginning of XXXX my XXXX XXXX XXXX bank, where all of my savings are held, was compromised. As a security precaution, XXXX XXXX, froze my funds and created all new bank accounts. This process started XXXX XXXX and my funds were released XXXX XXXX. 

During this time, my American Express account came due on XXXX XXXX, but because my funds were frozen I was unable to pay. As soon as my funds were unfrozen I paid my account in full on XXXX XXXX. 

Because of this two day delay, American Express charged me interest of {$220.00}, XXXX on XXXX XXXX and XXXX on XXXX XXXX. When I contacted American Express in XXXX XXXX to explain the situation along with mentioning that I 've always paid my bill in full since opening the account in XXXX, American Express stated they could n't refund my interest charges. 

I 'm writing to the CFPB in an attempt to get these charges reverse, understanding that if I had access to my funds I would have paid the amount in full. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: General Motors Financial Company, Inc.
State: NC
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:
On XXXX XXXX XXXX, the company placed an inquiry on my credit report with XXXX. I have requested documentation from both the company and from XXXX to support their permissible purpose in accessing my credit file. Neither has complied. The company simply sent a letter verifying that it had, in fact, accessed my file on the date mentioned. Pursuant to Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ] Paragraph a, Subsection 2 a CRA can only furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. As I have not given specific written consent for this company to access my credit file, this inquiry should have already been removed. The refusal of the company and the CRA to do so puts both in a state of willful non-compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I purchased tickets through a seller on XXXX. His name is XXXX XXXX ( phone number XXXX ). He had me XXXX pay his wife XXXX XXXX ( phone number XXXX ) {$250.00} on XX/XX/2022. He claims he never got the funds. I felt like it might be a scam so I immediately contacted Chase and they could not stop the payment. They could only confirm that XXXX did get the funds. Chase said there is no way for me to get the money back. XXXX said he would send the money back, but now all communication with him has ended. I have filed reports with XXXX, fbi, and internet crime complaint center.

Company response to consumer: Closed with explanation