BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-25
Company: U.S. BANCORP
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for a credit card which offered a {$100.00} statement credit after I spent {$500.00} within 90 days. In a footnote to the statement credit offer it says that I should " allow 6-8 weeks for your {$100.00} to be credited. '' I applied on XX/XX/XXXX. I spent over {$500.00} within the 90 days. I then waited about 5 weeks. When I contacted the company via email they said that the offer was not flagged on my account and since it had been over 120 days from the opening of the account, they could not now override it. ( That is a " catch-22 ''. ) I waited until XX/XX/XXXX so I would have allowed the maximum time of 8 weeks for the offer fulfillment, hoping it would happen automatically. Since it had not, I contacted them by phone. I was helped by a couple of nice people ( XXXX and XXXX ).  But when I got to XXXX, I was appalled that he blamed me for waiting too long to contact them. 

The offer code on the form I received was XXXX. I applied 10 days before the expiration date for the offer ( XX/XX/XXXX). The printed marketing offer which I received in the mail on XX/XX/XXXX has a form code XXXX and/or XX/XX/XXXX

I am looking for the {$100.00} statement 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 2023-09-05
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is still showing late payments on ACCOUNT/S. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: EQUIFAX, INC.
State: FL
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 first reached out to bank XXXX, XXXX XXXX, after he sent letter threatening to charge me late fees despite the financial hardship I was experiencing due to covid lockdowns and a sudden onset of congestive XXXX XXXX and XXXX XXXX later discovered was causing the congestive XXXX XXXX. I made many good faith attempts to settle alleged debt with other means. With no luck there, I then asked the bank to validate the alleged debt with an accounting ledger to ensure the alleged debt was actually lawful as I protected by the Federal Government as a XXXX. The bank then reported the charge off and so called late payments to XXXX, Equifax and XXXX. They also hired debt XXXX not once, twice but 3 times to harass and threaten me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Mitchell Bluhm and Associates at XXXX XXXX XXXX ( hereafter XXXX ) are knowingly reporting a medical collection amount ( {$920.00} ) to the three credit bureaus in error. I reached out to the creditor XXXX to resolve this matter and also provided supporting documents through XXXX of proof of payments and the medical bill total is less than {$500.00}. The Creditor continues to report to the bureaus in error as the amount owed is {$920.00}, resulting in a false derogatory mark on my credit report. The medical bill is less than {$500.00}, which means it needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: TX
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 my letters off on XXXX XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 

According to the FRCA the term Investigate Consumer Reports.

Means a consumer report or portion thereof in which information on a consumers character general reputation personal characteristics or motive living is obtained personal interviews were neighbors friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such item of information.

They stated my accounts was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting a 100 % accurate and according to the FRCA 15 USC 1681 everything has to be a 100 % accuracy I have I've the credit report showing the inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: BBVA FINANCIAL CORPORATION
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:
My credit card was stolen in XXXX XXXX and fraudulent purchases were made on my account. I reported the theft and unauthorized charges to BBVA and was told they would open a dispute into those charges and take them off of my account. Months went by and I received no response, resolution, or deletion of charges from my account. Instead, BBVA hit me with Late Fees, and Interest Charges despite my having reported the fraud and offering a police report. 

XXXX XXXX I followed up on the dispute given I had still seen the charges on my account and subsequently charges that were added, as well as a negative impact on my credit. A representative assured me that he would file a new dispute on my behalf for this and that unlike last time, the process would be expedited. 

We are now in XX/XX/XXXX and that has not been done. BBVA has not only charged me for 4 months worth of late payments and interest charges, they also closed my account without communication and are illegally withholding my security deposit for my account. I have spoken to multiple agents who confirm BBVA made a " mistake '' in charges and the closure of my account yet refuse to rectify the issues in real time and maintain there's a network of different " departments '' who need to process the solution.

I have opened a total of 7-8 cases with BBVA and have stayed on the phone with customer service for hours on end attempting to get answers and resolutions to their deceitful actions. I have been consistently hung up on, placed on excessively long wait times, denied access and communication to upper management, executives, corporate, and escalations.

I have been robbed. My credit has been ruined, and BBVA has chosen to hide behind a network of non communication.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-04
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not mine- I was a victim of identity theft 5+ years back, this might have been a result of this. However, this should have already been reported as theft, and it just appeared as a collections on my Credit Report after YEARS. Collection agency has not responded to my Debt Validation, and therefore can not validate the debt. Please have this removed as soon as possible, thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had a Bank of America from XXXX until XXXX and had to close my account due to overdrafts fees. They charged me several overdrafts fees for funds I had in the bank and when I bought 3 or 4 items then I withdrew a large amount 3 days after I purchased my items they took out the large amount first then charged me 3 or 4 times an overdraft fee several times. Bank of America did that several times while I had an account with them and that is why I switched to another bank in XXXX, I was not allowed to get a checking account due to my history at Bank of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 first reached out to bank XXXX, XXXX XXXX, after he sent letter threatening to charge me late fees despite the financial hardship I was experiencing due to covid lockdowns and a sudden onset of XXXX  XXXX XXXX and XXXX XXXX later discovered was causing the XXXX XXXX XXXX. I made many good faith attempts to settle alleged debt with other means. With no luck there, I then asked the bank to validate the alleged debt with an accounting ledger to ensure the alleged debt was actually lawful as I protected by the Federal Government as a XXXX. The bank then reported the charge off and so called late payments to TransUnion, XXXX and XXXX. They also hired debt XXXX not once, twice but 3 times to harass and threaten me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2019, I mailed the attached documents to TransUnion, LLC. and asked that they provide an original, signed contract from The Key car company. 
If they couldn't provide me the information, I demanded they remove the item under FCRA 609 ( a ) ( 1 ) ( A ). They returned my investigation results as the account being verified without providing me the original, signed contract.

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 2020-04-25
Company: EQUIFAX, INC.
State: NV
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:
Submitted a dispute for hard inquiries from XXXX XXXX dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. These inquiries are not connected to open accounts. These inquiries were unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2021-11-13
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage forbearance ended on XX/XX/XXXX. 

I made my XXXX XXXX payment. 

On XXXX XXXX I contacted Freedom Mortgage loss mitigation with a PDF letter that arrived with them also as a verified tracking letter on XXXX XXXX. 

I informed them that, since my mortgage is a XXXX XXXX, I want the balance added to the end of the loan, as provided for in the CARES Act. 

I sent them money to bring my escrow account up to date. 

The company refuses to acknowledge that I have the right to add the forbearance balance to the end of the loan. They have not responded to the substance of the letter. 

Instead, I am receiving letters that show {$17000.00} past due. I am receiving RoboCalls where the caller asks for my social security number. When I call to talk to someone, which I have done a dozen times, I am on hold for 45 minutes before I hang up. 

I want Freedom Mortgage to acknowledge that eligible and qualify for the CARES Act deferral. 

I want that in writing and I want the harassment to end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: MN
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:
Equifax, XXXX, XXXX are reporting this XXXX credit card with an outdated balance and payment information as this has not been reported for 3 months. Please update the balance as provided by XXXX. XXXX  statement provided. 

This incorrect reporting is in violation of the FCRA as the payments were made and the proof of this has been provided to the three credit bureaus Equifax, XXXX, and XXXX. The following documentation is provided from the original creditor of the payment and therefore Equifax, XXXX, and XXXX credit reporting agencies are in violation of 15 U.S.C 1681s and 15 U.S.C 1681n as they failed to accurately validate this information.

15 U.S. Code 1681s - Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance - any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} Proper evidence has been supplied from XXXX and these credit bureaus continue to display inaccurate information. Please remove these late notifications immediately and send a letter to me confirming the removal. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: WELLS FARGO & COMPANY
State: NV
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 balance transfer

Complaint:
Wells Fargo issued a secure card in XXXX and took {$1000.00} deposit - After good management they made the acct unsecure and issued refund of the {$1000.00} ( see attached noted ) stating refund would be deposited into CHECKING ACCT " within 30 days '' - it never happened- the next month an unquiry was made and I was told it was send as a check. 
- 6 weeks later after an inquiry... they cancelled the check ( lost? ) - they gain claimed they issued " another direct deposit into my checking '' ( no record of pending deposits whatsoever for ANY deposits were found ) ) - stated 3 weeks later " That deposit was rejected stating " acct 'closed ' " ( it never was I use it every day ) XXXX checking wells fargo - They said a new check was issued but cant confirm it - They again claim the check was cancelled. Some say it was never issued Some say " its on the way '' - after 6 weeks, no check came - Now I have to hire a notary and 2 witnesses to say i never got the ( cancelled ) check - some say they tried direct deposit, some say no, i need to go through a lengthy investigation - case # XXXX was third inquiry with not resolve whatsoever - Every inquiry ends with a completely different explanation... there has been no clear status for months last call XX/XX/XXXX XXXX Department advocacy `` an affidavit must be filed to cancel the check '' " any other way i can get my money? '' " no '' she transferred me to mortgage department call before that was complete opposite facts call before that was complete opposite facts its been about 6 months with no resolve after 3 cases and no callback my accts have all been pristine with no overdrafts, late payments or problems whatsoever im bedridden with XXXX XXXX  XXXX XXXX and can not hire care without my money this issue has now become medically urgent i cant cancell accts or go to bank .... im completely XXXX and home alone

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 2018-02-08
Company: DISCOVER BANK
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX, I was in debt. In XXXX Discover credit card services wanted a minimum payment due of {$190.00} with a 29 % interest rate. As a single mother, homeowner I could not manage. I asked Discover to work with me reasonably. They did not want to offer anything more than the above. They called day and night and were relentless for months. Then I started to receive communications from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX They asked that I pay over {$9000.00} to them. I only had a credit limit of {$6000.00} with Discover. I was bombarded with documentation from them and finally, I would receive communication I was being sued. I went to court numerous times without an attorney and was made to feel very XXXX. The last time I went to court I was basically bullied into a payment agreement with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. if I was to receive a partial amount of my mortgage money that they in fact executed and levied. It caused me and my bills to spiral out of control I found myself facing foreclosure due to the loss of money becoming late and then behind in my mortgage payment due. I was completely devastated. XX/XX/XXXX the same thing has happened my entire direct deposit was levied and executed by XXXX XXXX XXXX, XXXX. They are making my life a living nightmare. They got awarded a judgment order for over {$9000.00} by default and I was never given the notice or opportunity to defend myself. This firm is so shady I have found countless complaints about them. FACTS that they have been sued for violating the Fair Debt Collection Practices Act more than once, XXXX XXXX a long time attorney of the firm has been suspended 4 times for failure to pay the client security fund fee.In an article online I found their firm brought more than 8000 small claims to court in XX/XX/XXXX! There are tens of thousands of people who have been bullied by this firms predators. I will give an abundance of information to the CFPB and pray you help me so I can help others.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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