BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-29
Company: DISCOVER BANK
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I initiated a wire transfer for down payment closing costs on my home at XXXX on XX/XX/29 with Discover Bank. I checked that this wire was for closing costs and I did not expect to have any more wire transfers in the future. I called to verbally authorize the transfer, confirmed that it was for a real estate closing, and was asked to upload my Drivers License and a bill or W2 to validate my address. I submitted those documents at XXXX, at XXXX I get an email from Discover that there was unusual activity in my account and they have frozen the account. I call Discover - was on the phone with them for 162 minutes, got hung up on twice from two different supervisors. They told me it was a " business decision '' to close my account, and they need to investigate the funds which will take 60 days. Then they will mail me a check IF they determine the funds are legitimate. I have banked with Discover for 5 years, never any issues. I have NO idea why my account was flagged, closed, and funds frozen. I was relying on those funds for my down payment, and now do not have access to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? 

there is no full account number, how is this listed with no account number? 

whe was last activity of the acount? 

if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points please remove I have been sick with covid for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy you can not charge off a card and still report it as over the limit, do you see the problem with this account? 




XX/XX/2022 XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Experian XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ChargeOff ) Alert from : Experian XX/XX/2022 XXXX XXXX XXXX - XXXX XXXX XXXX ( ChargeOff ) Alert from : Experian XX/XX/20XXXX XXXX XXXX XXXX  - XXXX XX/XX/2022 EXPERIAN BUSINESS CRED - Business Loan Inquiry Alert from : Experian XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX ( 120 Days Delinquent ) Alert from : Experian XX/XX/2022 XXXX XXXX XXXX - XXXX Code XXXX ( 120 Days Delinquent ) Alert from : Experian XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX Line Closed by Credit Grantor Alert from : Experian XX/XX/2022 XXXX XXXX XXXX  - XXXX XX/XX/2022 XX/XX/2022 XXXX XXXX XXXX  - XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXX DelinquentAccount XXXX XXXX XXXX XXXX  ( Revolving ) Accounts - Summary XXXX XXXX Experian Last Updated XXXX, XXXX XXXXXXXX XXXX  XXXX, XXXX Payment Status Charge-off Charged off as bad debt Unpaid balance reported as a loss by credit grantor Worst Delinquency 120+ days past due None Reported Charge Off/Other Derog Balance {$1600.00} {$1600.00} {$1600.00} Credit Limit {$1100.00} {$1100.00} {$1100.00} Credit Utilization 145 % 145 % 145 %

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 2018-05-03
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Called jp morgan chase to file a dispute regarding an unauthorized transaction and after review they explained they couldn't refund me sue to my card being in my position i explained that this purchase is unauthorized and i don't know who this vendor is. 

vendor : XXXX XXXX il transaction date:XX/XX/XXXX amount XXXX claim date :XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-29
Company: EQUIFAX, INC.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 
XXXX {$480.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( XXXX ) credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update or repaired the account ASAP!!!. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2020-05-30
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
RENTED AN APARTMENT IN XXXX OHIO WEST OF XXXX.EVERYTHING WAS FINE FOR ABOUT FOUR OR FIVE MONTHS.THEN A WOMEN WHO LIVED FIVE OR SIX UNITS DOWN FROM ME PASSED AWAY.WHEN THEY FOUND HER, THE APARTMENT WAS ROACH INFECTED.INSTEAD OF TAKING CARE OF THE PROBLEM, THE APARTMENT COMPLEX DID NOTHING.THEY LET THE ROACHES  SPREAD.EVERYONE IN THAT ROW OF UNITS HAD ROACHES INCLUDING ME.I INFORMED THE APARTMENT MANAGER ABOUT THE PROBLEM, HE DID NOTHING.I DID NOT WANT TO MOVE SO TRIED TO GET RID OF THEM MYSELF, SET OFF A COUPLE SMOKE BOMBS.THIS DID NOT WORK, SO I HAD TO MOVE, IT WAS JUST AWFUL COULD NOT LIVE THERE ANYMORE. 
NOW THEY ARE SAYING I DAMAGED THE THE APARTMENT, FROM THE SMOKE BOMBS I  GUESS.I DID NO DAMAGE TO THAT APARTMENT, I WAS A GOOD TENANT, I JUST WANTED THEM TO GET RID OF THE ROACHES.IF THEY WOULD HAVE DONE THAT I WOULD STILL BE LIVING THERE.

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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 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 2019-11-13
Company: Westlake Services, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Already took it off my XXXX  but will not take it off my XXXX   the loan is from 2009 originally

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 
XXXX {$480.00}

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 explanation
Consumer complaint received 2020-05-29
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I sold childhood toys and sports jerseys on XXXX. I started selling on XX/XX/XXXX and have been active until they locked my account about 5 days ago. I was asked by PayPal to provide tracking numbers for sold items along with a copy of my ID. All of which were provided for my account and should have left my account in good standing. On XX/XX/XXXX, I was notified via email that my account was permanently locked and I could no longer do business with PayPal. My balance from selling on XXXX that is locked in PayPal is at {$1700.00}. I am unable to access that money in any way. I have contacted PayPal the only way they are available right now which is through a live chat on their website. I have spoke to 3 different representatives. All of which were rude, vague and unwilling to help me in any way. I contacted XXXX to see if they could tell me what was going on as I am very confused as to what went wrong in the first place. XXXX told me that it should have been an easy fix on PayPal 's end as there is nothing fraudulent on my account. I am not asking for my account to be unlocked so that I can continue to do business with PayPal, but unlocked so that I am able to transfer my money that was all honestly earned. I have proof of sales for every dollar in that PayPal account. If that proof is needed, I can gladly send it. 
Thank you in advance for taking a look into this for me. I look forward to a reply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
REF CFPB XXXX. Both XXXX  XXXX  and Fifth-Third Bank " the company '' response in the above complaint/case failed to answer and resolve the original complaint/question regarding XXXX XXXX  and/or the company having jurisdiction and/or authority in withholding insurance proceeds received in regards to a recent damage claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: Experian Information Solutions Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am a XXXX XXXX, XXXX XXXX XXXX XXXX veteran. Although my student loans have been forgiven through XXXX, the loan servicer for the Department of Education has notified the credit reporting agencies that my student loans are delinquent and have been " Assigned to the government ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04
Company: Bread Financial Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Several accounts were opened with XXXX XXXX using my information and ID. Even though I have submitted documentation that these accounts ( XXXX XXXXXXXX, XXXX XXXX, XXXX Visa ) are fraudulent, XXXX XXXX   continues to contact me for payment. On a half dozen times each, theyve contacted my parents ( both at work and on their mobile numbers ), two of my brothers and they have contacted me at work five times even though I have told them to stop because I can not receive calls at work. They called twice today, XX/XX/XXXX. The first time I spoke to them, I told them never fi call me at work again. They said if I didnt, theyd garnish my wages even though that requires a court order. XXXX has been involved in countless lawsuits over this behavior, yet it continues. The second call of the day was a voicemail. And these accounts arent even mine!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-09
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
on XXXX/XXXX/19 at XXXX XXXX  I received an email regarding my costco visa card that said " THANKS FOR CONTACTING US ' I did not contact them! 

Then the y told me me " heres a summary of the recent customer service call regarding your costco anywhere visa. '' THERE WAS NO CALL! 

The email went on to say that .... 

" A card on the account has been reported lost or stolen. '' THE CARD WAS NOT REPORTED LOST OR STOLEN! 
THE IS/WAS IN MY WALLET ON MY DESK 10 FEET AWAY FROM ME. 

When I called customer service all they did was apologize. 

" We're sorry sir it appears we canceled your card because of a security concern. '' THAT SECURITY CONCERN WAS ME TRYING TO USE MY CARD. 
THEY NEVER SPOKE WITH ME THEY JUST UNILATERALLY CANCELED THE CARD FOR NO REASON.

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 2018-05-03
Company: Dovenmuehle Mortgage, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We were trying for a year and a half to have the Lender and the investor to review our short sale request. We submit and offer that is Fair Market price but this Lender and special a woman by the name XXXX XXXX  from XXXX XXXX was doing everything in her power to delay the process despite of our daily inquires. We had to file for Bk twice already in order to postpone the upending foreclosure. We were denied by this woman to know the name of the actual investor of the mortgage loan. And when we called XXXX  we were entangled in the lender 's net with no one there to answer our questions.

The Deed of Trust we signed when we purchase the property allows to apply for a loss mitigation and XXXX XXXX is denying this right. XXXX  is a subcontractor, just the servicer of the loan only, not the actual lender itself.

We need the Investor to see our short sale offer and make a decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
OnXX/XX/2019I called the lender to inquire about a miscellaneous charge for {$21.00} on my XX/XX/2019 statement. The due date is on the XXXX. I pay extra towards principal every month. The company does not offer a grace period. Payments not received on the XXXX are assessed a late fee that approximates the fee in question. 

I made 2 payments that were reported on the statement in question. First payment for {$250.00} was received by the lender on XX/XX/2019. Second payment for {$240.00} posted on XX/XX/2019. On XX/XX/2019 there is a miscellaneous charge that the lender could not justify. Said they will request an audit and it will take 4 business days. 

I am current on my bill and have been for the majority of the time that I've had this account. My payment is {$420.00} and I pay at least {$500.00} per month. 

This company is a predator and were I not diligent about reviewing my bills, they would have gotten away with assessing this charge against a customer who pays as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX XXXX  with account number displayed as XXXX on my Trans Union report, shown as XXXX on my XXXX report, and alleged as XXXX on my XXXX report. 

Account name : XXXX XXXX  with account number displayed as XXXX on my Trans Union report, shown as XXXX on my XXXX report, and alleged as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report XXXX 

Account name : XXXXXXXX XXXX with account number displayed as XXXX on my Trans Union report, shown as XXXX on my XXXX report, and alleged as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report XXXX 

Account name : XXXX XXXX with account number displayed as XXXX on my Trans Union report, shown as XXXX XXXX XXXX * * on my XXXX report, and alleged as XXXX XXXX XXXX * * on my XXXX report. 

Account name : XXXX with account number displayed as XXXX on my Trans Union report, shown as XXXX on my XXXX report, and alleged as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report XXXX 

Account name : XXXX with account number displayed as XXXX on my Trans Union report, shown as XXXX on my XXXX report, and alleged as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-07-28
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have no relationship with Comenity Bank. 

Their automated caller is ringing my phone which increasing frequency from 5 different numbers. The recording says the status of a Wayfare account has changed and asks if this is ( person ) Press 1 if yes and Press 2 if no. If I press 2 the system hangs up. I don't know the person they are asking for and have never had a Wayfare card, or an account at Comenity Bank. 

The calls are increasing frequency '' XX/XX/XXXX 1 call XX/XX/XXXX 2 calls XX/XX/XXXX 1 call XX/XX/XXXX 1 call XX/XX/XXXX 4 calls XX/XX/XXXX 4 calls Numbers used XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The system won't give me the option of talking to a person. The increasing frequency is abusive and unfair. The use of multiple numbers is designed to defeat call blocking.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-28
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: Was not notified of investigation status or results

Complaint:
Hello, I have sent two letters to Experian regarding innaccurate information with my two forms of Identification. One letter on XX/XX/2020 and one letter on XX/XX/2020. They are in violation of the fair credit reporting act 611 ( a ). They are violating my rights because they are saying I'm not the one who sent the information just because I know the law.

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 2022-11-06
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against 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