BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I have 3 items on my credit 1 from a company called XXXX. Who claims I had a cell phone that I never purchased and never knew about. After supplying proof over the past 7 years and nothing has been removed from my credit. 
Also after opting out of XXXX reporting, XXXX lowered my credit score using old inaccurate information to punish me for opting out to lower my credit score by XXXX points. 
Also my score has been going up despite those items on my credit report prior to me opting out of the reporting practice of XXXX. 
I feel its an abuse of power and retaliation for my opting out of all prescreening and other marketing information being sent to me every day. Before I opted out of XXXX, my score was XXXX. Immediately after opting out, my score was lowered to XXXX. 
My credit score was just over the past 12 months has gone up while and despite those items being on my credit for years. Also my credit had already been adversely affected twice from those same items, so how many times can they drop my score for the same items. If I was penalized once for those item by dropping my score years ago. Why are they dropping my credit score again since I already was penalized for those inaccurate reporting? 
I feel its unfair reporting and retaliation for my opting out of there reporting system.

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 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I noticed inquires for things I didnt apply for.

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: ALLY FINANCIAL INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have unauthorized " INQUIRES '' on my credit report and I wrote to the creditor 's explaining to them that I did not authorize these inquires and that I am a victim of ID theft. The creditor 's never contacted me back and never removed the information from my credit.

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 2017-12-27
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have tried several times to get the 3 credit bureau 's to get a bankruptcy off of my credit report, to no avail. I 've also tried to get XXXX XXXX updated on all three reports because it 's being reported incorrectly. XXXX is being reported twice as a primary and as a co-signer. I am the only signer on that loan and it was included in the bankruptcy.

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 2022-03-30
Company: Global Lending Services LLC
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have called Global Lending Services for over 6 MONTHS requesting assistance due to a financial hardship from XXXX, a XXXX in my immediate family, & a decrease in income/work hours ( which now has become a permanent job loss & I have applied for unemployment ). EVERY time I was DENIED any type of help! Although I knew it was confidential/private, due to HIPPA I offered to provide documentation of all times I was XXXX XXXX XXXX XXXX XXXX results, and also the XXXXXXXX XXXX XXXX XXXX of my family member. I was still denied any assistance or help and they call me 3-4 times a week HARASSING me about paying! 
I borrowed money and made a payment in XX/XX/2022 ( to try to refrain from being 90 days late ). On yesterday, I woke up and they had repoed my car!! Because the month of XXXX had not ended, I thought I had until XX/XX/2022 to make a payment & was hoping to receive my income tax refund or unemployment on of before this date. 
I had to borrow money AGAIN from friends & family ( almost {$2000.00} + XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent debt collector XXXX XXXX XXXX XXXX a letter and a copy of my identity theft report, the letter and identity theft report to XXXX XXXX XXXX XXXX was dated on XX/XX/21, and all documents was received by XXXX XXXX XXXX XXXX on XX/XX/21 at XXXX Est. 
It's been 30 days that the debt collector has not responded. Included in this file is a letter to TransUnion dated on XX/XX/21 and a letter to XXXX XXXX XXXX XXXX dated on XX/XX/21 and certified mail receipt to XXXX XXXX XXXX XXXX dated XX/XX/21.

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 2017-12-27
Company: Creditrepair.com, Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
i was told that credit repair would be able to remove all of my negative items within 9 month and it has been much longer than that. i was not told i had to get stuff notarized in the beginning of me joining.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-10
Company: EQUIFAX, INC.
State: NM
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:
XXXX, Equifax and XXXX XXXX are not responding to any of my requests to investigate, verify and remove numerous fraudulent, unauthorized inquiries from my credit reports that were not made by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: Experian Information Solutions Inc.
State: CT
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 submitted several complaints to this company about my report and incorrect information reported. I called numerous times to have my billing address updated and the company failed to update the correct information. The company has marked my account late in XXXX, XXXX, XXXX, XXXX, XXXX XXXX and as of recently in XXXX and XXXX of XXXX. The company failed to put correct billing address on statements when acct was first originated. This company leaves consumers no choice but to bring these matters to court because they 're unwilling to fix errors on credit reports. The company had also promised to contact their back office to reset my payment due to their error and this was never done but the company marked my account late once again. The company closed my account due to my complaints and then stated that the customer requested it. I requested for the balance to be removed from my account from the damage this company continue to do to my credit and their refusal to fix legitimate concerns and account closed and removed from my report. This company has cost me monies and has retaliated against me for exercising my rights.

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 2017-10-30
Company: EQUIFAX, INC.
State: CT
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 submitted several complaints to this company about my report and incorrect information reported. I called numerous times to have my billing address updated and the company failed to update the correct information. The company has marked my account late in XXXX, XXXX, XXXX, XXXX, XXXX XXXX and as of recently in XXXX and XXXX of XXXX. The company failed to put correct billing address on statements when acct was first originated. This company leaves consumers no choice but to bring these matters to court because they 're unwilling to fix errors on credit reports. The company had also promised to contact their back office to reset my payment due to their error and this was never done but the company marked my account late once again. The company closed my account due to my complaints and then stated that the customer requested it. I requested for the balance to be removed from my account from the damage this company continue to do to my credit and their refusal to fix legitimate concerns and account closed and removed from my report. This company has cost me monies and has retaliated against me for exercising my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: CITIBANK, N.A.
State: CA
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:
In XX/XX/XXXX I purchased an at home XXXX  service and products. Shortly after purchasing the service for over {$2000.00}, the company ( XXXX XXXX ). failed to live up to the service they sold and the products were faulty. In XXXX of XXXX I filed a charge back with Citi Card, and for 3 months they investigated based off of my brief complaint and did not ask me to provide any additional information until XX/XX/XXXX. Once they received my additional information, they assured me that Citi was on my side. On phone calls and in letters, they described to me that Candid was in the wrong and should issue me a refund. While Citibank found my request valid, they said that they could not reclaim my payment to Candid and that I would have to pursue another avenue such as hiring a lawyer or filing a XXXX  claim. However, Citibank has contradicted itself many times in our interactions : for example, they stated that if the merchant admitted their wrongdoing and offered me any form of a refund, then this would constitute a chargeback and dismissal of the bill. I showed Citibank this in writing, but they still denied my request. Despite finding that the merchant was at fault, Citi told me that they were not going to be able to return my funds, and that I would need to pursue other options. 

Furthermore, Citibanks service throughout this process was highly irresponsible. In order to move my claim along, I had to call frequently and correct their account of the events. Citi also told me contradictory information on many occasions, and assured me that this case would be resolved in my favor. Despite speaking with a supervisor, they told me there was nothing more for them to do. When I requested to speak to another supervisor or superior, I was simply told no.

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 2019-06-27
Company: KLS Financial Services, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
KLS has reported a medical bill on my report for {$75.00}. According to the Fair Debt Collection Practices Act, I am supposed to receive a notice of my right to dispute, prior to this collection agency reporting this bill on my report. I never had a chance to protest the validity of this debt ( which I would have ), prior to its appearance and damage done to my credit profile. This is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 submitted several complaints to this company about my report and incorrect information reported. I called numerous times to have my billing address updated and the company failed to update the correct information. The company has marked my account late in XXXX, XXXX, XXXX, XXXX, XXXX XXXX and as of recently in XXXX and XXXX of XXXX. The company failed to put correct billing address on statements when acct was first originated. This company leaves consumers no choice but to bring these matters to court because they 're unwilling to fix errors on credit reports. The company had also promised to contact their back office to reset my payment due to their error and this was never done but the company marked my account late once again. The company closed my account due to my complaints and then stated that the customer requested it. I requested for the balance to be removed from my account from the damage this company continue to do to my credit and their refusal to fix legitimate concerns and account closed and removed from my report. This company has cost me monies and has retaliated against me for exercising my rights.

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 2021-11-07
Company: JPMORGAN CHASE & CO.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Cardmember Service Attn : Billing Inquiries Customer Service XXXX XXXX XXXX XXXX, DE XXXX Re : Notice of disputed charge to Account No. [ XXXX ] Dear [ Contact Person or Billing Inquiries Division ] : I am writing to dispute a charge {$440.00} to my credit account on XX/XX/2021 The charge is in error because I cancelled the card, indicated that I no longer desired to hold Southwest Rapid Rewards Card, and pay the annual fee.

I have spoken with Customer Service on numerous occasions. I explained that I am no longer employed due to COVID-19, and that I am not able to financially pay continuous interest charges on a card that I no longer want. 

No individual in CUSTOMER SERVICE had/has offered any solutions or empathy to my financial situation. I have requested on multiple occasions that all charges are removed. However, I have been repeatedly been told erroneous information in a condescending method. 

I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement -which should be a balance of {$0.00} It is truly overwhelming that in consideration of the current economy, my personal circumstances, that this continues to be handed in an avaricious manner. Also, your standards fail to acknowledge the current hardships created by COVID-19. This is a poor example of customer service.

Furthermore, Id like to point out that my current credit cards are paid in a timely manner. I will never recommend Southwest Rapid Rewards Chase card to a colleague. 


Please correct the error on my account promptly. 

Sincerely, XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX Go to consumerfinance.gov/complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My Wells Fargo savings account and checking account were setup to automatically transfer funds from my savings account into my checking account in the case of an overdraft of my checking account in order to prevent overdraft fees.

( overdraft fee {$35.00} ) The bank changed my savings account to an everyday checking account which could not transfer funds to prevent overdraft charges.

Because of this change from savings to checking ( without my consent ), I was charged over {$400.00} in overdraft fees on my original checking account. ( now having two checking accounts ).

I contacted the bank via phone call to ask the bank about the issue and they claimed their actions were to prevent withdrawal fees from my savings account.

( Withdrawal fee {$15.00} ) The change to how my accounts were set up ended up costing a total of {$450.00}.

The bank claimed to have no record of the overdraft fees on my account although they are shown in my monthly statements.

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 2021-11-07
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Suntrust holds my Subsidized and Unsubsidized Federal loans- they have not been refinanced, they are simply being serviced by Suntrust . The principal is greatly more than the original principal amount now. I was looking forward to some relief from the CARES ACT with 0 % interest so that we could work hard and restore our family 's emergency fund that has been depleted due to significant cuts in pay due to being unable to generate volume at the office due to covid19 restrictions and precautions. We have spent the entire period of CARES ACT 0 % with continued payments and interest accrual. It seems that a loophole of the CARES Act is that private servicers of federal loans are not required to provide any relief at all. Is it possible to have the amount of the accrued interest credited retroactively to my account? Please advise. Thank you for your attention.

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 2019-04-02
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I spoke to XXXX XXXX EVP and Director of Customer Relations today. My first concern is I do not believe PNC Bank is fully disclosing the fees associated with their Performance Select Checking because it says on page three " Performance Select Checking No charge of PNC Exclusive Checks. '' I was told by XXXX SVP of Customer Relations it is only the Master Account that receives free checks. The fact that it is only the Master Account is a material fact and there is no reference on the fee disclosure that it is only for the Master Account. I have spent at least 4 hours on the phone to get my accounts switched to Performance Select Checking as I meet their requirements and receive my free checks. They finally agreed to provide the checks and said they were going to investigate. 

I requested that I should get free checks for the life of my accounts since I spent 4 hours on the phone and complained about the lack of full disclosure. XXXX refused. 

My second concern is that I believe I have been retaliated against and discriminated against as I have complained in the past and XXXX told me that I had complained before. 

It should be known that PNC Bank flags customers accounts if they complain and this information is visible to anyone servicing the accounts. Therefore if you complain your account is labeled a complainer. It should be mentioned the additional harassment occurred by XXXX XXXX EVP when she said the regulators require it. It was not until I pressed to confirm that the regulators require PNC Bank to track complaints by customer name and account number that she back tracked and said that was just part of PNC Banks robust customer complaint tracking. XXXX XXXX tried to use the regulators as justification for labeling customers as complainer and intimidate me the customer, which complete harassment. I believe if you complain you are labeled and receive poor customer service so they can get customers to leave and avoid reporting to the regulators. This is validated by my treatment and the fact that I have been on the phone for 4 hours to simply get switched into account I clearly qualify for.

Company response to consumer: Closed with explanation