BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a complaint against Bank of America. 
I have been a customer of the bank for 15 years. 
We have 2 credit cards with the bank, both on auto pay. 
Credit card ending in XXXX had a payment of {$320.00} which was auto deducted on the XXXX of the month. 
On XX/XX/30 I had called to have the payment reduction to the minimum payment of {$210.00}. 
The agent on the phone did all the necessary changes. 
Now I am getting a bill of {$460.00} for XXXX. 
Because their system did not process the autopay on XXXX I am now tacked with a late fee. 
The agent on XX/XX/30 did not mention the need to make a payment as he indicated that {$210.00} will be deducted on XXXX. 
This is a scam, to squeeze every little bit from the customer. I have been auto paying my bill for months. Not charging a month and Then tacking in a fee. 
Please investigate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-08
Company: KEYCORP
State: TX
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:
I received a letter from XXXX XXXX ( a dept collection company ) on X/X/2017 informing me that they were the legal owner of a dept I owed from more than 20 years ago. I called the agency to gather more info and the collector went on to tell me they had access to FBI files and he could give me the name of my neighbor if he wanted. He also said they we 're going to file a judgement and the debt would be on my credit report for 6 years. I do not believe I owe this debt and the practices used during the phone call were very threatening. I am also worried that this company obtained my personal information for fraudulent purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
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:
I just check my credit through experian 's website and i noticed a few fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, XXXX  and transunion, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX  stating that my information was on the dark web. I was also affected by the XXXX  breach. I have attached the identity theft report along with my social and drivers license.

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 2020-01-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On Saturday, XX/XX/XXXX, I attempted to access my XXXX account with USAA as a routine checking of funds. ( My wife had already accessed her XXXX account at the same institution without problems. ) I was prevented from accessing my account online until I answered several questions. They included questions about the amount of my net worth, my annual income and whether I was a foreign agent. 

I called the customer service at USAA immediately to find out why my access was prevented online to my account. A representative informed me that a division of USAA ( called MOET ) required me to answer those questions or they would close my account. I protested that I did not necessarily want USAA to have direct knowledge of my net worth or annual income. Because it was a Saturday, she suggested I call back on Monday to discuss the situation with a MOET employee. My access to my account was withheld. 

On Monday, I called USAA again and spoke with a representative of the MOET division. She stated the Patriot Act required that they ask those questions. She further stated the Federal government required all banking institutions to do this. I protested that no other banking institution I dealt with had asked for this information. I asked to speak with someone else, but she stated no supervisors were available due to the holiday ( XXXX XXXX ). She stated if I did not complete the questions that my account would be closed. I had my wife talk with her as well and she told her the same thing. We told her we were retired XXXX   XXXX  and all the money in the accounts came from our paychecks while XXXX  XXXX. We were not foreign agents of any kind. Eventually, my wife told her we would answer the questions, but the answers may or not be true. ( We did answer truthfully that we are not foreign agents. ) We both believe that USAA violated our rights by conducting what amounted to an unlawful search and seizure of our information. They held my account hostage to this.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
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:
On XXXX of 2020, Portfolio Recovery Associates added a derogatory mark on my credit report per XXXX XXXX, Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, Portfolio Recovery Associates 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 2019-02-06
Company: JPMORGAN CHASE & CO.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Judgement in NY against XXXX XXXX for {$1400.00} by XXXX XXXX XXXX, XXXX in XX/XX/2013. 

I believe that this violates CFPB Admistratuve PrAlso, the judgement from XX/XX/2013 below showed up on your title report. Please confirm if this has already been paid off and if so, provide documentation that it has. If it hasnt paid off, it will need to be paid off or eliminated before we can close. 

Also, the judgement from XX/XX/2013 below showed up on your title report. Please confirm if this has already been paid off and if so, provide documentation that it has. If it hasnt paid off, it will need to be paid off or eliminated before we can proceed This came up during a refi and not in a credit report this week during a title search. I have no knowledge if this judgement and have had several where this judgement never appeared. 

Please remove and or show proof of service. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I attached some screenshot of the report that might be your guide that there are discrepancies on my accounts because of the inaccurate details in the other bureau. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I attached some screenshot of the report that might be your guide that there are discrepancies on my accounts because of the inaccurate details in the other bureau. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : 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 explanation
Consumer complaint received 2021-01-19
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:
I have been fighting with XXXX for almost two years concerning an unauthorized credit account opened in my name. I have filed and sent the company and respective credit bureaus copies of police reports, FTC identity theft affidavits, multiple letters, and proof of my identity. The items were initially removed from my credit report, then XXXX certified to the credit agencies that they are holding me responsible for this debt. Shortly thereafter, it was added back to my reports. I feel as if I am being revictimized by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: LendUp Loans LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I called LendUp and explained that my account is still open but being reported as closed on my credit report. I was asked to take a pic of the account showing its closed. I took one picture because its been reported to all credit reporting agency. They told me it would be a couple days and should be resolved and it still remains on my credit report dropping my scores because its listed as closed. They reported it closed because there was a .89 transaction made on the account last month that was not by me. So instead of calling, emailing, texting or evening faxing they decided to report my account as closed. The first time I called about the problem their attitude was terrible and they transferred me to the fraud department. They put me on hold and then hung up the phone and never called back. The fraud department operator was very rude and nasty to me. Terrible customer service and the company communication is the worst I have ever experience or seen in my life. LendUp could care less what it did to my credit report they just keep claiming it will be fixed. After 4 phone calls to the company its still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: EQUIFAX, INC.
State: OK
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:
This account is showing an inaccurate closing date of XX/XX/2021. Ive tried to file a dispute and nothing has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
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: Investigation took more than 30 days

Complaint:
Your company has been performing malpratice and is breaking the law Frivolously. it has been a grossly amount of poor performance in handling my investigation with so much negligence that has caused me finaicial injury and harmed me from being able to obtain any credit or auto loan and several other things. Several Laws have been broken Under The Fair Credit Reproting Act made to protect consumers like myself it has been a nightmare trying to get this matter resolved and my Character hasbeen Deframed slandered and ridiculed I am traumatized with this outcome and it has been extremely overwhelming.

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 2017-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The address that is showing is not mine as well as the phone numbers showing is not mine .... My correct address is XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Ga XXXX and my correct phone number is XXXX which is not correctly reflected in this report ... I also noticed my middle name is spelled incorrectly please correct it with the information that is on my drivers license which is correct XXXX XXXX XXXX. I have tried unsuccessfully to get this information updated through the online system that they use.

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 2021-05-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just check my credit through XXXX  's website and i noticed a few fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, equifax and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX stating that my information was on the dark web. I was also affected by the equifax breach. I have attached the identity theft report along with my social and drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit by FIRST INVESTORS FINANCIAL SERVICES , INC . I was notified of this transgression of my rights, specifically 15 USC 1601 The Truth in Lending Act, by FIRST INVESTORS FINANCIAL SERVICES , INC. on 10/25/2021 via U.S. mail. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by FIRST INVESTORS FINANCIAL SERVICES , INC. adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to { {$5000.00} }. FIRST INVESTORS FINANCIAL SERVICES , INC. is now civilly liable to pay me for the damages. My credit card was charged and I did not benefit from the transaction at all. Registered Agent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN 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 2022-04-04
Company: EQUIFAX, INC.
State: NJ
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: JPMORGAN CHASE & CO.
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

I'm not swayed that XXXX Credit Bureaus are efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on JPMCB CARD. Per XXXX, reporting must be XXXX XXXX accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
For the last 2 months I have received emails about a prepaid card from XXXX with the last 4 digits Card ending in XXXX. I do not now nor have I ever had this card. 

I have gone to every link on the email to try to reach someone and all I get are recorded messages. I went to their contract us section and the give XXXX numbers for American Express ( XXXX ) and XXXX but both the phone numbers are recorded messages. I have listed to all the messages and not one of them ever allows me to talk to a person. One mentions XXXX XXXX bank then goes on to mention what sounds like " XXXX '' money and then a little later talks about XXXX. 

I have tried to get an address for them but have yet to get one. 

I need to get this account closed and out of my name as it is fraudulent and not mine. I did not apply for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Freedom Mortgage Company
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to losing my job during the pandemic, I have reached out to my mortgage servicer 3 times for help through loss mitigation. Prior to losing my job, I was never late with a mortgage payment. After finding employment at the end of XXXX, I experienced a decrease in my annual income so I reached out to my servicer for help. They closed my case twice due to my account being current. My mortgage was being paid thru a program called Hardest Hit Alabama. I applied for assistance when I was unemployed so my account was current until XX/XX/XXXX. I had to file bankruptcy in XXXX of XXXX BUT NOT ON MY MORTGAGE. IT WAS CURRENT. I only filed on my revolving debt in order to be able to afford my mortgage payments. Again in XX/XX/XXXX I reached out for help thru loss mitigation but my servicer closed my case due to my account being current. I was not able to make my mortgage payments when my assistance with HHA was up in XX/XX/XXXX. I reached out to my servicer again and have gotten the run around since XX/XX/XXXX. My bankruptcy was discharged in XX/XX/XXXX and I have had a 3rd loss mitigation application in for review since XX/XX/XXXX. As of today, XX/XX/XXXX, the status of my mortgage account says " active loss mitigation '' but an attorney has looks to have initiated foreclosure proceedings. My servicer has never once mentioned foreclosure to me and not once have they tried to contact me. I have contacted them many, many times for information and I am getting the run around. I have proof of everything written in this statement.

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 2020-04-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS THAT ARE REPORTING LATE PAYMENT HISTORY WHICH ARE IN ERROR. I HAVE NEVER BEEN LATE ON ANY OF THESE ACCOUNTS, SO PLEASE AMEND TO SHOW NEVER LATE. 
I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, AND XXXX, BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED SIX 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. THERE ARE FIVE 30 DAY VIOLATIONS COMMITTED BY YOUR AGENCY THUS FAR AND IN DIRECT VIOLATION OF THE FCRA. PLEASE AMEND THE BELOW ACCOUNTS TO HAVE THE LATE PAYMENT HISTORY SO SHOW, PAID AS AGREED/NEVER LATE

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 2020-04-24
Company: HANCOCK WHITNEY BANK
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
So, i contact my bank Hancock & Whitney on XX/XX/2020. I was charged double bounce. For one check. fees in the amount 36 same transaction. I was also charged monthly fee also XXXX dollars. This account my child support direct deposit because other parent is unemployed at this time. I am not receiving payment. Pandemic is that happening. I call and talk customer service. I was told nothing he could do help me about these fees. I would like back XXXX. It absolutely isnt time bank advanced customer. I deposit money in hold for 6 days so charge another bounce fee. This absolutely awful.

Company response to consumer: Closed with explanation