BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-12
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: Personal information incorrect

Complaint:
I looked up my credit report on Equifax and it said someone changed my name to XXXX XXXX This is wrong. My name is XXXX XXXX. I have not changed my name. Im worried someone else did this and could be possibly trying to use my social security and name. Please help me My phone number is XXXX XXXX XXXX XXXX Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I see my credit card increase every month I dont know the reason I have a limit of XXXX $ but I have to pay XXXX $ now why? I paid monthly payment during the day I dont expect to pay this much.im unemployment my credit score decreased.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX and XX/XX/XXXX BK OF AMER XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late 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 2019-02-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I recieved an email on XX/XX/2019 claiming that my account was overdrawn which is was not the balance was {$2.00} i know thats not alot of money but when your on SSD and check is about to be deposited funds are low. anyway I called the number on my screen that it gave me when I tried to access my account. The woman on the phone was rude and refused to tell me why all she kept saying was for privacy reasons we can not discuss why your account is restricted which means I have no access to my money. as for my social security check they are refusing me access to it for at least two business days which makes it tuesday XX/XX/XXXX! i dont understand why if they are gon na be closing my account why they are denying me access to my money!!!! I live off of my ssd check I pay my rent and oother bills with it there has to be laws or rules against it so now due to chase bank doing this I have gone into severe XXXX with XXXX  XXXX because due to chase holding my money for no reason I may not have a car nor place to stay!!!!!! Its my money not theres!!!! The women at the loss prevention for chase are rude and extremely disrespectful to there customers~~!!! I DO NOT OWE CHASE ANY FEES NOTHING MY ACCOUNT WAS NOT NEGATIVE!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: V and H Portfolio
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I previously disputed account on XX/XX/20, XX/XX/20, XX/XX/20 XX/XX/20 do to inaccuracies on credit report. XXXX XXXX XXXX {$2000.00}. They offered settlement but no verification of debt. Balance that the company is reported is inaccurate. Company will not remove from report or validate debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-24
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Citibank entered my Social Security number incorrectly when processing my application for a checking and savings account and their representatives had me send a W-9 form to correct the problem, first by fax, then by mail, and finally by email. They are now refusing to correct their records and are still listing my social security number on my checking and savings accounts with two digits reversed, instead of my correct social security number. I have called on numerous occasions over about two months and keep getting the runaround. One rep even disclosed to me the social security number and name of the person whos number was listed in error on my account. They now refused to honor a bonus offer on my account due to the fact that the number in error was tied to a person who already had a Citibank account. 

Many reps said they could fix this but it never gets done. This is a serious breach of security caused by Citibank. They had my correct SS number when they checked my Chexsystems credit report because the inquiry showed up on my report so I know they initially had the correct number. It is unconceivable that Citibank could let this happen.

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 2021-05-03
Company: EQUIFAX, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
I filed a dispute with XXXX  XXXX Bank ( USA XXXX Na over 30 days ago and they have yet to respond to my Affidavit Of Truth, which was sent to them via certified mail. Which they received on XX/XX/21 and they have failed to answer. I informed XXXX XXXX Bank ( USA ) Na that I am disputing their claim. Moreover I requested that XXXX XXXX XXXX ( USA ) Na supply me with copy of the contract with my authentic signature and their authentic signature which makes the contract legal. XXXX XXXXXXXX Bank ( USA XXXX Na never provided a copy of contract with my authentic signature or their authentic signature and continue to report this account to the credit reporting agency. This account should have been deleted off the CRA files. Further more the fair credit reporting act regulates how creditors handle consumers dispute. The statue states that when a consumer disputes any item the creditor should conduct a reasonable investigation within 30 days to determine if the challenge item is correct. After 30 days have expired if creditor have not completed the investigation the disputed item must be deleted. Finally XXXX  XXXX Bank ( USA ) Na failed to report the dispute to the CRA which is a violation of the FCRA section 623 and carries a fine. XXXX XXXX Bank ( USA ) NA has failed to show burden of proof 15 U.S. Code 1643 ( b ) Burden of proof In any action by a card issuer to enforce liability for the use of a credit card, the burden of proof is upon the card issuer to show that the use was authorized or, if the use was unauthorized, then the burden of proof is upon the card issuer to show that the conditions of liability for the unauthorized use of a credit card, as set forth in subsection ( a ), have been met. XXXX  XXXX Bank ( USA ) NA has failed to reply to the affidavit, its has been well over 30 days. I am asking that all negative remarks be removed from my credit file which XXXX XXXX Bank ( USA ) NA falsely created.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
The company is reporting an account XXXX XXXX XXXX that displays included in Bankruptcy but there's no open or active Bankruptcy reporting on the credit report! Accurate information must be included on all consumer reports or the file should be deleted immediately! I have previously disputed this account with Transunion on XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20 and XX/XX/20. The company has exceeded the 45 calendar and business day timeframe allotted for investigations. Therefore, I am demanding that this item is deleted effective immediately. I will proceed with legal action if the item isn't deleted within 5 business days from the date of this complaint! 

623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Accordingly, pursuant to the Fair Credit Reporting Act, please mail a copy of the full printed consumer report to my ONE mailing address that you have on file.

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 2019-02-28
Company: Credit Card Receivables Fund Incorporated
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I XXXX XXXX hereby submits a complaint against one of the largest national banks in America, XXXX , XXXX . I am just a middle class single mother of XXXX, trying to make a living. There have been times in my life when I struggled financially. Over ten years ago, I defaulted on a XXXX account, and over the years the collection aspects were negated and the credit charge off was even removed from my credit reports, as the 7-year timeline to maintain it had elapsed. Now XXXX has lowered itself to submit back-end debt service to debt buyers, even after debts are proved to be non-collectible. The credit trade line was officially charged off so long ago that XXXX deleted the account off of my credit reports. So now XXXX , XXXX . is selling off charged-off debts. This is a popular move since the XXXX XXXX XXXX XXXX XXXX XXXX decision in the U.S. Supreme Court of XXXX ( Decision Attached ). However, XXXX XXXX. is participation in a Ponzi- Scheme approach to not only obtain the taxable write-offs on defaulted debts, but to also double-dip into potentially draining what little capital could remain from a common American citizen. Here is how the scam works : XXXX XXXX. ASSIGNS DEFAUTED DEBT TO XXXX XXXX XXXX , XXXX XX/XX/XXXX BILL OF SALE AND ASSIGNMENT BY ELECTRONIC SIGNATURE XXXX XXXX XXXX , XXXX TRANSFERS OWNERSHIP THE VERY SAME DAY BY XXXX XXXX, XXXX. TO XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX ASSIGNS DEBT TO XXXX  XXXX   XXXX XXXX, XXXX ON XX/XX/XXXX BY XXXX XXXX, XXXX. 

XXXX XXXX XXXX XXXX, XXXX ASSIGNS DEBT TO XXXX XXXX, XXXX XX/XX/XXXX BY XXXX XXXX, INVENTORY MANAGER XXXX XXXX. should look into federal case decisions U.S. v. XXXX XXXX XXXX before it ever gets involved in selling off debts to what appears to be a Ponzi-Scheme on receivables, debts that can no longer be enforced, and selling to companies without proof of proper bonding and licensing to enforce defaulted debts in the state of California. This action is criminal in nature. The continuous transfers are a form of the title cleansing practices of real estate scammers, a practice quashed by actions with the U.S. Department of Justice. XXXX is proving that they will step to as low as a level as a national bank can go. Their actions are complicit within a criminal process to destroy average American consumers, and the Consumer Financial Protection Bureau, along with the Federal Trade Commission, the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, the banking department of the state of California, in addition to the Office of Attorney General, state of California will be involved in this complaint. Action must be taken to cease these types of activities by XXXX , XXXX . and the affiliated companies stating that they have obtained uncollectible debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is RPM? RECEIVABLES PERFORMANCE MANAGEMENT , LLC They are running a scam. I have no outstanding debts, my credit report is clean, I never recieved a letter, they wo n't tell me what they are calling for, hang up more than 50 % of the time, try to verify information before telling who they are or what they want, hang up if you do n't comply. There are hundreds of reports of the same behavior online, why are these people not in jail yet?!

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 2020-12-14
Company: Open Dealer Exchange, LLC
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, 700 CREDITXXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX  XXXX  XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: BSI Financial Holdings, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
BSI Financial is the mortgage servicer. They have collected property taxes into the escrow account, but not paid taxes due to our township for XXXX 2020. The township has sent us XXXX notices demanding the payment plus interest. 

I have contacted BSI financial, both by phone and in writing on XX/XX/XXXX and then in writing on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Re : Wells Fargo On XX/XX/2019 I paid {$80000.00} off the back of my mortgage. The receipt I received said it would post that day which it did not. Today I noticed that they took out next month 's mortgage payment, which I had already paid with an additional {$12.00} off the back and did not apply {$580.00} to the back as they were supposed to. They have admitted their error and said it would not be fixed until Monday XX/XX/2019. I asked that they get this done today with the same click in which they took money from my account without authorization. They are not allowed to take money from this account as I pay it myself. This is the same bank that opened a loan in our names without permission years ago.

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 2020-05-28
Company: Experian Information Solutions Inc.
State: FL
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 check My Credit and I notice that someone Has been Using My personal Information for their Benefit I believe it the same person which stole my Valuable Items, which I made a police Report for Attached with this report you will find my Police report. I did not authorize nor give anyone Consent for these Accounts to be Open. This is Fraud!!! please Help me Resolve this matter, this is very Stressful Thank You

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 2018-04-24
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened my American Express cards from last year XXXX and hit the sign-up bonus and got my points in XXXX. Several days later after getting the points, they took them back and told me it's under review, which took them 3 months until XXXX this year to give them back to me. I had talked to many agents and they didn't really solve the problem. Afterward, I got other AMEX cards and got other points in XXXX. And yesterday as I was trying to transfer my points to XXXX XXXX to book my flight, the system said my account and points are being reviewed again! It's been like this on and off for 7 months! I talked to many agents in the meantime and all they told me was to wait and there is nothing they can do! I feel like being fooled around. According to AMEX terms, the points will be issued in 8-12 weeks MAXIMUM after I hit the spending requirement. And now it's 7 months and I still can't use them!!! What is the point!? Even if they decided to review my new accounts, why would they also freeze the points I earned from my old credit cards from last year??? This is like a trick to me. I really need to book the flight and now they froze my account and points. And there are no fraudulent or suspicious activities happened on my account. I even pay the full amount each month to my cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: EQUIFAX, INC.
State: FL
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 check My Credit and I notice that someone Has been Using My personal Information for their Benefit I believe it the same person which stole my Valuable Items, which I made a police Report for Attached with this report you will find my Police report. I did not authorize nor give anyone Consent for these Accounts to be Open. This is Fraud!!! please Help me Resolve this matter, this is very Stressful Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: Midwest Recovery Systems
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Midwest Recovery Systems, XXXX, posted a trade line on credit reporting agencies for a debt not owed to XXXX. Midwest Recovery Systems, XXXX, did not send a letter to dispute this debt. This is a zombie debt not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: Experian Information Solutions 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:
I opened a credit card account with XXXX XXXX XXXX  about a year ago. They never once sent me a billing statement. I have had phone conversations with them almost monthly since the first billing cycle explaining that Im not receiving statements the represtaives I spoke with told me the late fees would be removed and that I wouldnt need to make another payment for two Months, yet I would receive a call the next month stating again my payment was past due. Again I explained that I have not received a statement and I made a payment on the phone with the representative who said the late fees would be waive and they would send me my statements. I have spoken with serveral supervisors who said they would 1 resolve the issue 2 remove my late fees and 3 remove the late payment remark from my credit report which has not been done. When I called back to speak with the supervisor who I spoke to in XX/XX/XXXX who had said he would correct the issues and then failed to contact me with the result, I was told by the XXXX XXXX  rep that they would not allow me to speak with him. recently I was finally able to get XXXX XXXX  corporate office to fax me all of my statements which showed a total of {$190.00} in fees that they have charged me and are now refusing to remove they are also refusing to remove the remarks on my credit report unless I pay the balance which includes {$190.00} in fees that should have been removed due to the fact that they never once sent me a bill. This practice is very unethical. I appreciate any help in resolving this 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 explanation
Consumer complaint received 2022-10-05
Company: ENCORE CAPITAL GROUP INC.
State: PA
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:
Midland Credit Management Accordance with the Federal Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that I have a right to privacy.

15 USC 1681 section 604 ( a ) section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ) Billing Error- A creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief