BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
The Bank of America has decided to close my account without giving me an appropriate response. I spoke to the Bank 's account closing department and they pointed to a customer agreement and they said they took a business decision to close the account and they are not required to provide any reason to me. 

I am operating this account as a joint holder along with my husband since XX/XX/1999. I have been the bank 's customer for over 20 years. I work with a reputed organization and earn annually $ XXXX. I also have a brokerage account with the bank 's brokerage arm ( XXXX XXXX ) with net funds invested over $ 300K. 

There was not a single incident of violation reported on my account from my side in last 20 years. I am a law-abiding permanent resident of the USA. Such an abrupt closing of my account without citing any reason makes me feel the bank has discriminated against me. 

Please look in to this as soon as possible. 

Thanks, XXXX XXXX

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 2020-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Remove 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 2018-06-11
Company: AMERICAN EXPRESS COMPANY
State: FL
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 have XXXX  in points with American Express.I called them to ask what I had to do to get reimbursed for airfare.They told me to just charge it to my card and then call them back for credit.At the time I was told that my points would easily cover the airfare of $ XXXXMy airfare was booked through a travel agent/ tour operator called XXXX.I called Amex and it was very difficult to get to the right person and was told that because XXXX included my airfare in with the tour package I could not get credit as the amount was over what my points would cover.So I had XXXX reissue the airfare amount as a separate charge.So today XX/XX/18 I recalled Amex to get credit.After a few very tedious conversations I was told that my points would not cover even the {$6700.00} which I was told a few months ago it would.First of all they do not clearly disclose the value of these points.Searching on the internet it said the points are worth 1.8 % which would give me about {$10000.00} in value.I was told by Amex that the XXXX points would not even cover the $ XXXX.The reason is they discriminate against how you purchase the airfare by valuing reservations made by Amex more then other agencies.So the Amex user is disadvantaged by using a travel service other then Amex when it comes to rewards points.Of course this was not disclosed to me when I initially called them to ask for guidance.Amex has a complicated set of poorly disclosed rules set up to restrict rewards redemptions.Just a horrible customer experience for anyone.One would think that a 40+ year customer who has charged millions of dollars would get better treatment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-13
Company: Experian Information Solutions Inc.
State: NY
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:
To whom it XXXX concern, This is my third time submitting a complaint that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. I did not approve it to reflect on my credit report. I believe I am a victim of identity theft. I have a security lock on my credit report and was not informed or alerted of this unauthorized items for {$870.00} I have reported the theft of my identity theft to Federal Trade Commission 's, please review the enclosed copies of the Federal Trade Commission 's identity theft Affidavit in regard to this incident ( ftc report # ). In addition I have attached pdf document reflecting all items that were found to be unauthorized by any such.

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 2021-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 no knowledge of this account and i have not transacted any business with this creditor. i have disputed this information in the past but XXXX  and Transunion in collaboration with XXXX XXXX XXXX XXXX are disregard any rights i may have and continue to report this fraudulent debt. This debt is associated inaccurate personal information that has been previously removed from my consumer credit profile.

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 2019-05-22
Company: EQUIFAX, 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:
Have reported this server so times. I do not have a credit with this company nor a credit line or lending agreement for it to be reporting and this shouldnt be reported due to the fact, they only have a bill to verify not a legal binding document

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I called Care Credit by synchrony bank. I called in because I have a STELLAR payment history. I ran into an issue this month and called in to get relief for one month to get my account updated. I spoke with a very rude rep who said her name is XXXX and her manager is XXXX. When I asked for help with late fees and payment she told me my ONLY OPTION IS TO CLOSE MY ACCOUNT. She did not offer anything else except to close my account. I am absolutely shocked that synchrony bank would treat their good customers in that way. I have a perfect payment history and just ran into an unexpected expense and XXXX said there is no options for clients. If I do take one option that they offer, my account will be closed. This does not see right that a big company does not offer one month of help. I want the CFPB to know what they are doing. They threaten and do not offer any type of relief even for a month

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 2020-08-23
Company: JPMORGAN CHASE & CO.
State: UT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My bank account has a user that is using credentials we both didnt create nor still have access to. XXXX and XXXX should NOT STILL BE ON THE ACCOUNT since I have not had either that email or number in several years

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am accusing Equifax of fraud. Equifax has deliberately removed three XXXX  student loan accounts that were in good standing and closed in XX/XX/XXXX. These accounts were to be on the credit report until XX/XX/XXXX, thus Equifax violated its own regulations. Also, Equifax fails to give an explanation for the deletion. In addition, Equifax reports payment history information in a misleading manner, such as high balance amount running from year to year or a series of years without change. A credit reporting representative admitted that the early removal of satisfactory accounts negatively impacts a consumer 's credit score. I have been trying to resolve my disputes with the agency since XX/XX/XXXX to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I'm unaware of balance due to this company, I never had any relationship with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On Saturday, XX/XX/XXXX, my card was declined at a business I go to regularly for a purchase less than {$20.00}. I knew my credit available for the card was several thousand dollars and when I returned home, it was confirmed. I had over {$15000.00} available credit. I called the credit card company, Bank of America, to inquire about it. I was told a data breach " at a business I may shop at '' had occurred and they had sent out a replacement card to me on XX/XX/XXXX and should have received it by XX/XX/XXXX. That is a separate issue with BOA as they should have my current address. Anyway, when I inquired as to what business had the data breach, I was informed that because of privacy laws, they could not tell me. Is this true? Can a data breach occur at a business without letting consumers know that a data breach had occurred? There were no bad charges on my card and I used that credit card for purchases 11 times AFTER XX/XX/XXXX. As a consumer, this doesn't seem right that we are not allowed to know the name of a business we use has had a data breach.

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 2021-08-13
Company: JPMORGAN CHASE & CO.
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
Beginning on XX/XX/XXXX I attempted to be qualified for a car lease. This lease was never followed through and due to my lack of credit history and it being so young, I was denied. Since this date I have had a hard inquiry on my credit, reporting as a hard inquiry. A year later, on XX/XX/XXXX, I attempted to become qualified to get a loan and buy a car. After being denied again I had plans that this was going to be my forever car so I applied to many more companies that offered auto loans and went through other dealerships. A total of nine companies denied me any line of credit to support me in making payments on my first car. This included a total of three automotive centers, four finance centers and three banks that I applied to seek a loan in turn I was denied. After my tenth try through XXXX  on XX/XX/XXXX I decided to let my credit gain some more time to age. Although I had a good score and never missed a payment, the issue was that my credit was barely two years old. I have ten total hard inquiries on my credit due to hopes of getting my first car which followed through to be unsuccessful and remain on my credit with no help of advancements to get the car through any company listed as a hard inquiry on my credit. As of XX/XX/XXXX I contacted XXXX  and XXXX  to dispute the hard inquiries and was given similar instructions by each credit bureau. This was to contact the dealerships or companies that I applied for a loan through and ask them to fix my hard inquiry list. I contacted two companies, one automotive and one finance company. This resulted in their answer being to contact CFPB to file a dispute as it is out of their hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was told XXXX ( XXXX ) that my account ending in XXXX is scheduled to be closed on XX/XX/XXXX. I did not know this until trying to make a purchase. I have had this card for several years and I have other accounts with capital one. I have called recently prior to this and was never told it would be closed if I had not used it. Please do not close my card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6800.00}, {$500.00}, {$15000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

2. XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$500.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: Innovis
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Our mortgage for XXXX XXXX is not being reported on our credit report and is adversely affecting our credit scores and causing us to receive higher interest rates on credit cards and car loans. We have previously reported the issue with CFPB complaint number XXXX and this problem needs to be fixed. According to XXXX XXXX customer service they are reporting to the following credit reporting agencies : XXXX, Innovis, XXXX and XXXX XXXX but our mortgage is not on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: HW Holding, Inc
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXXan email came to me demanding I pay {$3900.00} and this is absurd. I do not owe this and I've been working on my credit for 5 years and this is not mine nor do I owe this to anybody.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: Equitable Acceptance Corp
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
XX/XX/XXXX till now which is XX/XX/XXXX they are taking out XXXX a month to help me pay my school loans. Which they aren't I have talk to my school loans and they have said if I paid someone to help which it would be a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: ENCORE CAPITAL GROUP INC.
State: IL
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/XXXX Midland Credit Management XXXX has added a derogatory remark on my credit report in the amount of {$1600.00} per XXXX XXXX, Upon further research, this account was transferred/sold to them by XXXX, XXXX on XXXX, XXXX XXXX and I'm no longer responsible for this account. Debtor 's creditor did not verify this collection. Also there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature dose not validate the debt and anybody can send a bill and say it's mines. According to the FCRA Midland Credit Management XXXX.has violated my rights as a consumer and I'M requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Bull City Financial Solutions, Inc
State: CT
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 no knowledge of this account and i have not transacted any business with this creditor. i have disputed this information in the past but XXXX  in collaboration with Bull City Financial Solutions are disregarding any rights i may have and continue to report this fraudulent debt. This debt is associated inaccurate personal information that has been previously removed from my consumer credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Statement balance of {$5000.00} was due on XX/XX/2018. On XX/XX/XXXX, I paid the the statement balance off in full, well before the due date. On XX/XX/XXXX, I received a statement indicating I owed {$39.00} in interest charges. There was no cash balance on my account therefore should not have been charged finance charges on the account. I contacted Capital One via chat and was not they did not have the option to waive the charges. The first CSR stated " The amount in question is interest that is owed on unpaid balance from the time between when Capital One calculates the balance due and sends a statement, to the time the balance is paid and we process the payment '' I was then transferred to a " Supervisor '' when I was not willing to accept their response. 
The supervisor stated he also did not have an " option '' to waive the charges. 
Adding insult to injury the statement indicated to avoid finance charges on my next statement on new purchases I should pay {$4800.00} as an Interest Saver payment. 
The information is conflicting and not clearly outlined. If I was to pay more than those two amounts quoted on their statement, it should be included. I am requesting the charges removed from my account, in addition to any other credits they are able to provide for their lack of consistency.As such a largely recognized company they should be a bit more clear and willing to do more for their customers in good standings.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
i was o the pandemic XXXX XXXX XXXX XXXX XXXX XXXX and on the end of the period they just file those XXXX mouth as of late payment and bcus of it, today i am losing o lot of money bcus its been efect my XXXX XXXX, and on top of it they elso charge me all this late fee of top of {$9800.00}, what do i need to do to get all this demage fix it?

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 2018-12-31
Company: EQUIFAX, INC.
State: MS
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 am once again requesting to have fraudulent accounts removed from my report. I requested prior that these items that do not belong to me be removed from my credit report. I have attached FTC report XXXX as proof this is FRAUD. Please remove XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX/XXXX. I also want the following unauthorized inquiries from XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX removed. I am not working with any type of repair clinic. I am just asking again of fraudulent information be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-11
Company: Southern Management Systems Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Have me owing XXXX to an apartment complex where I never lived I never lived there or ever gave anyone permission to use my name to live there. Please provide me with information on this because I will file a police report against this company. And also sue them for putting false information on my credit report which is against the law.

Company response to consumer: Closed with explanation