BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-01
Company: CHARLES SCHWAB CORPORATION, THE
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been a member of this bank for YEARS. I have been traveling and living the same lifestyle also FOR YEARS. For whatever reason, the service and access to my card has gotten worse and worse, and especailly awful in the last XXXX  months. This month alone i have had to call in at least XXXX to get 'fraud alerts ' to be subdued. My payments are constantly blocked. Every person I speak with apologizes and says its a visa thing. Nothing has been done. Nothing about my spending habits or lifestyle has changed. It has been relentless to try and just spend my own money. No one has answers. No one can help. I just have to keep calling over and over to get the fraud alerts to be subdued, and regain access to my card. I spend hundreds of thoudsands of dollars a year on this card and for some reason i get completely shut down when I try and buy food for {$20.00}. It is crippling. I am hoping this route will have some effect on this. I just want to spend my own money. Like I have been for years. XXXX calls this month just to get my card unlocked. No one does anything to make it better. This isn't a visa problem, this is a schwab problem. this is who manages my bank accounts and money. my card is cut off, compromised, needing a new one but wont expedite. I also promise for whatever XXXX answer the bank may have 'a new card ' is NOT the solution. I have had new cards. I have had the same card. I have had the same spending habits. a new card won't fix this. and changing my account to an international one won't either. They are just getting worse and worse with service and i have XXXX answers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-16
Company: AES/PHEAA
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:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all XXXX credit bureaus and they have ignored my verfied claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Simpson Law Firm, P.A.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Simpson Law Firm, a law firm who I do not know anything about has placed a lien on my mortgage title. I am in the process of refinancing my mortgage. You see my wife passed away on XXXX XXXX. She was halfway into her bankruptcy before she lost the battle with XXXX XXXX. I found out while refinancing our home to take advantage of the equity that has accumulated to help pay for my children college expenses and home improvements that this law firm has a {$5000.00} lien on a debt they said that my wife owed. They arbitrarily listed this on a document to my mortgage banker. They included my name as the spouse. Now they are trying to say that I am responsible for the debt. No one has called or reached out to notify me of this circumstance in almost a year. Furthermore, how can they try to put a lien on my house title without notifying me. This is not right. Please advise. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am writing to address an issue with my Synchrony Bank ( TJ Maxx ) account. My bill is due on the XXXX of each month, and I consistently paid between the XXXX and the XXXX and sometimes earlier. Despite receiving confirmations of my timely payments, my account was repeatedly marked as past due. However, when reviewing past statements it does not indicate repeated dishonored payments. 

Upon contacting TJ Maxx, I was informed that payments made the day before the due date could still be considered late due to a 48-hour posting delay in their system. However, this information is not available on their website. 

Because of this confusion, I was charged an extra {$100.00}, resulting in two payments for the month of XXXX. Although TJ Maxx reversed a {$38.00} late fee when I reached out, they subsequently closed my account. This situation has not only been confusing but has also unfairly impacted my credit score. 

I seek clarity and rectification on why a payment made a day before the stipulated due date is considered past due without transparent communication regarding the 48-hour posting delay.

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 2023-03-31
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: Account information incorrect

Complaint:
Previously I had an issue with unauthorized activity to my XXXX  account and during the dispute, the loan was charged off and added to my credit report. The charged off loan was settled and paid on XX/XX/ but it does not reflect accurately on my report and still shows as not paid.

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 2023-02-18
Company: Experian Information Solutions Inc.
State: NC
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$260.00} Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX AV XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 2021-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My Congressman/XXXX XXXX PA District XXXX, suggested that I write to this Agency. 
Hello, I have been a Bank Of America Credit Card Customer since XXXX. I have always paid my bill on time. Due to my Excellent Payment History, they ( BofA ) have periodically raised my Credit Limit steadily over the past 15 years. I have been a model customer. This VISA Credit Card was used primarily for Travel Expenses. 
In XXXX I paid off the remaining Balance and stopped using this Credit Card. The Pandemic eliminated my ability to Travel frequently, therefore the Account had a XXXX Account Balance. Again in GOOD STANDING and PAID OFF. 
Fast Forward to today, XXXX. I received an Email from Bank Of America stating that they have decided to CLOSE my ACCOUNT. No reason stated just closed the Account. I immediately reached out to Bank Of America Customer Service at XXXX XXXX XXXX XXXX XXXX and told the entire story to a young man. That Agent mid-call transferred me to someone else in the same department. That nice lady transferred me to her Supervisor XXXX who then transferred me to her Manager XXXX ( not sure if I spelled correctly ). None of these Agents could tell me why my account was closed after 15 years. XXXX was supposedly transferring me to LEGAL AFFAIRS ( at my request ) ; when instead I ended up with XXXX a very nice Credit Card Applications Rep in the Rhode Island Call Center. XXXX was delightful but could not answer my questions with any certainty. He did offer that my Lack of Credit Card usage ( during the Pandemic ) could be an indication as to why BofA Closed my account. XXXX should get a promotion because he is the only one at BofA that has a Clue. XXXX advised that I wait for a LETTER from the BofA Legal Department ( forthcoming ) that will explain their decision and the Appeals Process. 
My main concern is the effect this unprompted Account Closure will have on my Credit Score. I have spent the better part of 20 years repairing and building my Excellent Credit Rating. This Closure will undo all of my hard work.

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 2019-10-01
Company: Global Lending Services LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Ive never heard of this company nor did I authorize them to run my credit. I have not applied for anything! This company improperly obtained my credit without my authorization!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE 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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance : {$9100.00}.

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 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 2021-02-05
Company: BARCLAYS BANK DELAWARE
State: GA
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:
Barclay card In the United States will not resolve a dispute I filed. I am entitled to dispute my credit card statement under regulation E in the Graham-leahy act. The credit card company has no way to pragmatically file a dispute. The company is dismissive when you call in for a simple charge dispute. I have called on numerous occasions to dispute a charge and no one has been able to accommodate this request nor directed me how they comply with regulation E.

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 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am writing to bring to your attention an issue regarding inaccurate information on my credit report. On XX/XX/XXXX, I contacted TransUnion regarding the following incorrect information on my credit report. To date, I have not received any response from TransUnion. I am hereby providing the details of the inaccurate information and the required corrections : The following account is not mine : Creditor : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$720.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1300.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$660.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2000.00} Please remove it from 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
Consumer complaint received 2023-03-13
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On or about XX/XX/22, I received notice that Shellpoint had taken over my mortgage. 
On XX/XX/XXXX, I went to their website and established an account. When I logged in, my site said that my first payment was due on XX/XX/22 I saved that to my computer, as well as made a printed copy. I also took a picture of it on my phone. In XXXX, I again checked, noted that the due date was, indeed, still XX/XX/22 and again, took a picture with my phone. On XX/XX/XXXX, I received a notice that I was two months behind, not having paid XXXX and XXXX! I contacted them and explained that their own website listed my first payment as being due XX/XX/22 and that I was fully prepared to pay it on that date. They said THEY had made a mistake and I was now in arrears two months! I told them that I was XXXX XXXX XXXX and lived on SS and that my kids, who have their own families to care for, normally help me pay this and the money had gone for other essentials. Shellpoint 's answer was essentially, " Tough sh*t, pay up or we'll foreclose! '' I suggested putting these XXXX payments at the end of my mortgage and they would still get their money, since the mistake was totally their fault. HELP! - I see this as senior abuse!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Experian Information Solutions Inc.
State: OH
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:
On XX/XX/XXXX, I reached out to this consumer reporting agency by via phone call. I informed the representative who I spoke to that this agency is in violation of the FCRA ( Fair Credit Reporting Act ) - pursuant to 15 USC 1681 ( b ) - number ( 2 ). Which states " subjection to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. '' Representative did not comply with my instructions. I informed the representative that I will be forwarding over supporting documents in writing by via USPS Certified Mail on XX/XX/2021.

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 2023-03-02
Company: Io, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I reviewed my credit report and noticed a collection entry for Receivables Management Systems. XX/XX/2023, I sent a dispute letter requesting validation of the debt. Receivables Management Systems replied by letter, XX/XX/2023, which included a printout as " proof '' of the debt. Pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws, validation is competent evidence bearing my signature. Per the law, a printout does not " validate '' the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I called Equifax a little while ago to get it to release a freeze on my credit report. I have been denied service by XXXX XXXX because it can not get a copy of my credit report from Equifax. I called Equifaxs number XXXX and could not reach an agent ; instead I was subjected to lengthy, time-wasting, irrelevant, pre-recorded messages numerous times, and, despite me hitting XXXX  several times, I could not get a representative. After calling several times and hitting XXXX when prompted to get an agent, I was disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: CURO Intermediate Holdings
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted SpeedyCash on several occasions asking for information regarding the {$310.00} that is sitting on my credit. I have not applied for any type of loan or recieved any loan from this company. I have asked that information in writing be sent to me either via email or postal. I asked for the account information or even the bank name the money was deposited into. I was told the loan was done online! How can you verify someone online? Their customer service will NOT provide me with any information so that I can even dispute this properly, I keep getting the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I am writing to file a formal complaint regarding inaccurate accounts on my credit report that are still reported in despite of my previous request and kindly request your assistance in getting them to correct. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. The XXXX and Transunion credit bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of accounts resulting in significant harm to my financial standing and reputation. I never been late in paying and with this, I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. These accounts should be corrected : XXXX XXXX XXXX XXXX Balance : {$6100.00} ; XXXX XXXX XXXX XXXX Balance : {$6300.00}.

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 2023-02-18
Company: Experian Information Solutions Inc.
State: MD
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:
The following accounts on my Experian reports have factual information that conflicts with XXXX and XXXX reports : XXXX XXXX XXXX XXXXXXXX : ) Experian lists the account as 30 days late in XXXX XXXX XXXX and XXXX indicate always paid current,

Company response to consumer: Closed with explanation