BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-27
Company: Experian Information Solutions Inc.
State: NY
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:
Experian is reporting incorrect informations on my credit report. when i ask for investigation, they tell me the informations was verified as accurate. but when i ask for proof of the investigation they refuse to provide any. i want proof that the informations reporting on my credit report are mine or accurate otherwise they have to delete them immediately. the items are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy chapter XXXX XXXX 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 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, my TransUnion credit score increased by XXXX points. However, on XX/XX/XXXX, it dropped by XXXX points. Notably, there were no new factors mentioned during this period.

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 2023-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
A {$4500.00} counterfeit check was deposited at a Bank Of America California branch into my account, they had mistakenly credited my account and I have used the credited funds accordingly as it was a payment, the funds were withdrawn from my account after BOA realized this check was counterfeit, I had made every attempt possible to gather as much information as I can possibly can in order to better assist them on their investigation, today XX/XX/2023 almost 90 business days since the date I originally filed my claim which was XX/XX/2023 I received a letter from BOA stating that I did not suffer any loss

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 2023-07-28
Company: GOLDMAN SACHS BANK USA
State: KS
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I deposited approximately XXXX into the savings account during the first few weeks of XX/XX/2023. Upon attempting to withdraw XXXX during the last week of XXXX the bank froze my account. I contacted them over the phone. The bank asked me to verify information via USPS which I did. After receiving the documents they said I would have access to my funds within 7-10 business days. They have a very difficult system for taking calls which causes extremely long wait and transfers. I have since contacted them over XXXX times and each time I am given very little information about where my funds are or why my account was frozen. Its almost as if they are purposely wasting time to delay return of funds. After many calls I was told my account would be force closed for fraud although no exact explanation for this was given. And that my funds would be returned to the original funding source again ( for the XXXX time ) within XXXX business days. I asked the representative exactly what day that would be. The representative who claimed to be a Supervisor stated that would be XX/XX/XXXX XXXX I called the bank on XX/XX/2023 and after many transfers and holds I was asked to allow another XXXX business days to let them research my account. On XX/XX/2023 I called again and was told my funds had gone to Unclaimed Property and the account would need to be reopened in order for my funds to be returned and this would take another XXXX business days. I informed the bank I would report them to the FDIC they took the report number. The FDIC asked me to contact Federal Reserve the XXXX asked me to report to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: NATIONS DIRECT MORTGAGE, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of 2020, I applied for a loan modification due to problems with income. Then COVID 19 hit. I thought this lender would continue to work on my file, which they stated they are. It is now 11 months, and I have not received ANYTHING about my loan modification. I am under COVID 19 plan, however, this is due to the fact my home is in foreclosure, and I need to have some type of protection. 
In the mean time my balance keeps increasing. You can not get through to them on the telephone. It is up to the bank to hire adequate staffing for clients. You will only get a machine, and then it states a recording and hangs up on you. 
I have no answer on my loan modification request sent in XXXX of 2020. My loan is in foreclosure. I have no way to contact or communicate with them. They changed their portal and my user id/log in does not work, and of course, impossible to speak with someone. 
Finally, I sent them an email, and am waiting for a reply. I doubt I will get one. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: JPMORGAN CHASE & CO.
State: MN
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: Card was charged for something you did not purchase with the card

Complaint:
I discovered unauthorized/fraudulent transactions on my Chase Bank credit card account and immediately contacted Chase Bank, upon receipt of my statement on XX/XX/XXXX, to report the fraud. The unauthorized charges are : XX/XX/XXXX XXXX  {$100.00} XX/XX/XXXX XXXX XXXX   {$22.00} XX/XX/XXXX XXXX XXXX {$60.00} XX/XX/XXXX XXXX {$28.00} XX/XX/XXXX XXXX XXXX {$640.00} XX/XX/XXXX XXXX XXXX {$63.00} XX/XX/XXXX XXXX XXXX {$37.00} XX/XX/XXXX XXXX XXXX {$33.00} XX/XX/XXXX XXXX XXXX {$970.00} XX/XX/XXXX XXXX {$36.00} Chase promptly removed the charges from my account after I reported the fraud. My credit card was with me at all times and I destroyed the card when I was informed by Chase that a new account will be created and a new card will be mailed to me. Chase Bank informed me that I was not responsible for fraudulent charges. At the time, I considered the matter closed and put it behind me. 

I received a letter in the mail from Chase Bank 's fraud department on XX/XX/XXXX. According to the letter, Chase Bank is holding me responsible for the fraudulent charges. They are stating that a physical card was used at these locations. They are telling me that this is my fault. I did not authorize these charges. I do not shop at these locations. I have never authorized anyone to use my card. The card has always been in my wallet. There is no possibility that someone could have stolen my card and racked up these charges and then gave my card back to me. I provided these details to Chase Bank and XXXX in the Fraud Department said that there was nothing further that Chase Bank could do for me. 

I reported the fraud to my local police department on XX/XX/XXXX. My police department has provided me with a case number and is requesting video surveillance from the store locations where the fraudulent activity took place.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Several XXXX serviced accounts went delinquent XX/XX/XXXX and stayed delinquent until XX/XX/XXXX. 

As of XX/XX/XXXX these should no longer have been reported as delinquent due to the statute of limitations. 

I disputed this information several times with the CRA and XXXX then changed the information to make it appear more recent. 

This is classic case of an unfair and deceptive trade practice. I have applied for a loan and if my interest rate is directly affected due to this false information, I will sustain an financial injury to which I will be owed damages. 

This must be removed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I contacted my mortgage company about my PMI insurance and was told to submit a request to take it off. I did that then received a letter stating that the balance was not at 30 % of what I owed so they would not take it off but if I would send some money, {$150.00}, they would consider it. I did not do that cause I'm under 30 % and they are still charging me. They claim to have an appraisal but claimed to not be able to find it. I want the PMI off of my loan. When we did the refinance in 2014, I was told it would drop automatically but never and that's why I called them. I feel like it should have already come off. What can I do, I don't feel like I should have to pay to try to remove it. 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 2023-07-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I am writing in regard to an alleged account that originally reported as delinquent in XX/XX/2016. So allegedly the other account was reported delinquent in 2016 yet Portfolio Recovery is illegally reporting this debt and threatened to sue me having an illegal adverse effect on my name and background. The amount of threatening and harassing calls I receive from them is insane. Not only is it not my debt, but this is a really old debt per their records. Additionally, they are reporting to reporting agencies, consumer agencies and credit bureaus despite this illegal/erroneous debt being over 7 years delinquent. 

There seems to be on-going illegal patterns and practices and intentional systematic old debt collector activity that Portfolio Recovery Services engages in. They obtain erroneous/fake old debt list from creditors, change the date of delinquency or date of open of the debt then begin harassing and threatening consumers to pay. They have robo-calls call several times a day threatening to take legal action and harassing consumers. They illegally change the date on the debt so they can harass, threaten and attempt to collect for longer periods of time. This is illegal and they should be investigated for patterns and practices of abuse. 




FEDERAL VIOLATIONS The Federal Credit Reporting Act ( FCRA ) provides that adverse information can not be reported on a background check longer than 7 years from delinquency date, even when unethical debt purchasers purchase debts. Such purchasers of debts can not make up dates and start delinquency dates years from the original delinquency dates. Such debt collection practices are illegal and will be reported to Consumer Financial Protection Bureau ( CFPB ) for the agency to investigate patterns of illegal practices /class action litigation. They are violating my XXXX Rights by reporting erroneous, outdated adverse information on my background preventing me from obtaining employment. 


CALIFORNIA VIOLATIONS The new California Law requires that : All debt XXXX and debt buyers operating in California are required to apply for a license with the Department. A license is required to do operate, do business, and collect debt in the XXXX of California. 
The statute of limitations on debt in California is ( 4 ) four years, as stated in the state 's Code of Civil Procedure 337, with the clock starting to tick as soon as you miss a payment. 


They are trying to collect {$11000.00} of money not owed to them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Pending civil unlimited discrimination case against Capital one against a XXXX  person, withholding ALL my credit card accounts and 360 checking account which is under a separate complaint herein. 

As XXXX XXXX aka XXXX XXXX is one and the same and has informed Capital One of this and provided documentation. 

Each and every call will be recorded as XXXX  is a 2-party state thou I am presently in XXXX  attending XXXX XXXX, thus a 1 party state, but I don't have to let you know and i record each contact to show the pattern of abuse by Capital one. 

Below are a list of my credit card accounts Capital One is illegal withholding as I have had them for years and they allege fraud which is a discrimination against a protected class of persons in XXXX  leading to harm against my reputation as a XXXX XXXX  and previous XXXX XXXX XXXX XXXX XXXX who is familure with credit card fraud. 

Thus, we suggest you tread carefully here, as we are filing a XXXX tort case for discrimination, IIED, negligence, etc. 

Under XXXX XXXX : Captial One debit Card : XXXX XXXX XXXX XXXX Capital One Savior Card XXXX line : XXXX XXXX XXXX XXXX XXXX line Capital One XXXX XXXX line : XXXX XXXX XXXX XXXX Under XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX line XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX line Capital One Savior : XXXX XXXX XXXX XXXX XXXX line Called Capital one today at XXXX hours talked to XXXX  this day, XX/XX/2023, refused to talk to me due to recorded line. count 2 negligence as Capital One can record but a victim can not? negligence on the part of Capital One. 

Again, for the forth or fith time, copy of my legal name change and ID provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-07-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
USAA decided to close my accounts and prevent access to {$8000.00} demand deposit for 60 days. This results from some wire transfers I made which they determined were sent to a scammer. This is not for them to determine. All the funds deposited into my account were legitimate coming from government deposits from VA and SSA, a loan from XXXXXXXX XXXX XXXX, disbursement from an IRA and sale of an automobile to a dealer. The wire transfers were to a domestic corporation. for legitimate investment as far as I knew. It was not money laundering or any other illegal transaction. USAA had a breach in XX/XX/XXXX lasting until XX/XX/XXXX. They did not report this to any of their depositers. It appears that {$7500.00} is missing from the wire transfers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Someone impersonated my boss and emailed my company email address as my boss, they used my boss 's email address and emailed me from that email address. They then texted me and told me to purchase several gift cards. I double checked with my boss and realized it was a scam but by then I had purchased {$4500.00} worth of gift cards from XXXX and XXXX. XXXX said to contact credit card and debit card company. XXXX was able to lock 17 out of the 18 cards. XXXX XXXX canceled the charge immediately. Capital One said they could not do anything. Capital One refused to cancel the charges and provide help on the issue. Capital One clearly provides no protection for their users. I filed a police report, I filed a complaint with the FTC and I filed a complaint with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Under the XXXX Covid-19 protection plan they state that any late payments will not be reported. I took this information from their website. On my home equity line of credit they are showing my home equity line of credit worst payment status as 30/60/90 days late when it should say current and in the times section 1 for over 30 days. it states below it should read as deferred. payment history is also stating a late payment in XXXX of XXXX. What's the point of going into this program if they will report late payments on your credit report? Need this changed based on the info below available on their website. 
During the assistance period, well report any delayed payments as deferred, not late or missed. You can get information on your credit score by going to XXXX Mortgage Deferment ( Opens Overlay ) or by calling XXXX at XXXX. Your payment history, including payments delayed under this assistance program, may impact your eligibility for future 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 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I've tried several times to have inaccurate information deleted from my credit report, but to no avail. The accounts referenced in the complaint are not mine. After submitting more documentation to prove my identity, I requested that the credit bureaus investigate and update my reports with the correct information, but they have yet to react. Not only are the accounts inaccurate, but they also report on each report in a different way. Account numbers and balances are not only unfamiliar, but they also do not adhere to the standards governing accurate and consistent reporting. Please help 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 explanation
Consumer complaint received 2023-08-06
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Requested lower payments and automatically denied. And regional acceptance has been calling non stop each day even Sundays and ignoring the request of not being contacted like that. Even requested the vehicle be picked up with voluntary surrender. But they just keep ignoring any requests. And was trying to quote the FDCPA and was told by them were not allowed to quote the act because im not a lawyer. They also have wrong contract date recorded compared to what the contract that was given to us.

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 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief