BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-02
Company: JPMORGAN CHASE & CO.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was on a dating app and this person talked sweet and suggested investing to help my situation financially being a single mom with a son. He walked me through from my bank account funds through a lot of wire transfers to XXXX, XXXX, Uphold then the funds were transfer to XXXX  XXXX to a fake platform called XXXX Options. I thought I could withdraw my funds anytime but when I asked for withdrawal. I was told to pay this extremely high personal income tax payment upfront before touching any of my funds. I then called XXXX and found out my account does not exist in their system. The scammer is now asking for more money or else my identity will be sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Mortgage
Sub-product: FHA mortgage
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:
Bank of America continues to report inaccurate information on my credit report regarding payment history for a mortgage account that is no longer with them. This information has been challenge via dispute and they have yet to remedy the situation. I am aware this is a violation of my rights via FCRA and I request your assistance regarding this matter. 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 2023-03-06
Company: Kriya Capital, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was told by an XXXX XXXX XXXX sales rep that I had good cell coverage at my home address. I was also told that by bundling my XXXX XXXX XXXX cell phone plan and XXXX XXXX XXXX  I would receive a discounted bundled rate. It was a cheaper plan so I signed up. When I returned home with the cell phones they did not have service at my home address. To be clear, the cell phones did not work at my house. Within 24 hours I canceled my plan with XXXX XXXX XXXX and reversed everything. Apparently when they bundled my XXXX XXXX plan it couldn't be reversed so I had to cancel that and start all over. No one at XXXX XXXX XXXX has been able to resolve this so it looks like I canceled my XXXX XXXX contract prematurely and they are trying to charge me a contract cancellation fee for misinformation their salesperson gave me from the very beginning. Now the collection amount has increased because they have turned it over to Credence Resource Management, a collection/harassment agency, and it has negatively affected my credit. I do not owe this money. I don't understand why I have to keep going through this every time they put this on my credit report. It was their mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-26
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I recently saw on my credit report that I was 120 days late as of XX/XX/2020! I'm not sure how this could have happened as I pay my card off every month and was not informed of these " late '' payments.

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 2021-10-06
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 I submitted a dispute with Equifax about a bankrupcty on my report, I received a letter from them stated that they verified the bankruptcy through XXXX company on XX/XX/2021. So they how could not have been verified from XXXX because I had disputed the bankruptcy with XXXX and they have deleted it from my profile on XX/XX/2021. I sent Equifax the letter that I received from XXXX that show proof that they have removed the bankruptcy from my file and Equifax refuse to delete it from my credit report. So Equifax is reporting false information on my report. I called on XX/XX/2021 talked with one of their agents name XXXX who ID number is XXXX and he told me that there is nothing that they could do because they verified it with XXXX, so I asked if he can send me proof that XXXX say that I have a bankruptcy, and he said that he can not and I said then you must remove it because you are reporting false informantion. I would like to have this bankruptcy remove immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: NJ
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 sent a letter on ( XX/XX/XXXX ) to remove the inaccurate items that is UNKNOWN to me to bureaus. I came across the law today and according to the Per FCRA you are required to update any accounts or information not later than 4 business days after the ( XX/XX/XXXX ). 

XXXX XXXX  Date of inquiry : XX/XX/XXXX ERASE IT FROM MY REPORT. 
XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX CARD Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a collection account from JEFFERSON CAPITAL SY on my credit report. They are reporting unvalidated information on my credit report and are saying I owe them money. I am requesting that the unvalidated information is blocked and removed from my credit report immediately and I want a copy of such deletion request sent to me. 15 US Code 1681a ( 2 ) states that any consumer reporting may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. You are in violation block and remove unless debt is validated. The amount of the account is for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I agreed to make the full payment if the credit card removed the delinquency from my report when I was informed they rejected the original payment I made by the payment due date. I submitted FULL payment but now the company is refusing to removed the delinquency 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 explanation
Consumer complaint received 2021-10-06
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/2021 I accidentally paid Best Buy, Citibank Credit, {$120.00} via a bill payer application. I call Citibank and explained the error in XXXX and again in XXXX, in addition to receiving 2 statements indicating a credit on the account. 

On both calls the representative confirmed that there was a credit on the account, and that the account was actually closed due to inactivity. They stated on both occasions that a check would be issued within 5 to 7 business days. 

It has now been over 2 months and they have yet to issue a check.

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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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, XXXX ( account ending in # XXXX ) listed on my consumer report has violated my rights as described below : 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 state 's a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1666B states a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2021-12-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I havent received any response through the cfbp from bank of america. I have requested documents regarding the status of my opened and closed accounts. Bank of thieves still has not settled my claim.

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 2021-11-02
Company: LJ Ross Associates
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
LJ Ross and associates flagged my account for collections and didnt ever disclose any information to me, they didnt validify the debt, and didnt even disclose where the debt is from or who it is even from. The only reason I know their name, is because they attempted to take negative action against my credit without calling, contacting, or confirming the debt with me verbally, or by documentation. in the past I have had debt collection amounts verified as not being owed because of billing errors or being incorrectly charged, etc. on numerous occasions.so the fact that they didnt even contact me or inform me that I can dispute it, and then reporting it on my credit report in an attempt to hurt my credit, is not only distasteful and unprofessional, but completely against acting as a fair debt collection agency.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: Synovus Bank
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went through a hard time in my life, I had my auntie pass away unexpectedly from XXXX so naturally, I was spending the bulk of my money on my family. I left the payments lapse on this account with First Progress but, when I was able I paid the card off in full. I have repeatedly called them and sent numerous goodwill letters to try to get to update the late payment history on this card because it affects my chances of getting jobs or even a home. And honestly if it's easier why not just delete it the account is paid. They consistently tell me that it's not up to them, the bureaus have to do this on there own. They don't have much empathy either, just take the money and were not helping you. The First Progress Card has been paid, I would like them to update the payment history or just remove the card please so my score can increase and I can move forward with helping my family properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: EQUIFAX, INC.
State: ND
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:
Attached is a copy of the US Dept of Treasury document dated XX/XX/2019 showing my child support payments were applied to the delinquent debt owed. These payments were made to the XXXX XXXX XXXX XXXX XXXX in XXXX, Florida. 

Equifax ; XXXX and XXXX - are reporting incorrectly that the following accounts are in collections - partial account numbers : XXXX ; XXXX ; XXXX ; and XXXX. I have contacted the three bureaus regarding this incorrect reporting, but have not been able to get the issue resolved. This is a violation of the Fair Credit Reporting Act and this incorrect information is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, Walmart switched from XXXX XXXX  to Capital One for their credit card services, and I was notified of this switch well in advance via the Walmart app 's credit card services. My account and information transferred correctly ; however, I had attempted to use my Walmart Credit Card to make an in-store purchase on XX/XX/XXXX, and the card was declined. I used my card on XX/XX/XXXX for {$37.00}, so I thought it was weird that the card declined only a few days later when my limit is {$100.00}. I checked the Capital One app to see if my card was disabled or if I may have received a new Walmart card that I needed to activate. My account gave me an error message, stating " this credit card account is currently restricted. '' I had called to XX/XX/XXXX to see why there was an issue with the card and why my account is restricted. I was told that my account had been closed by Capital One, but the representative told me that he could not see the reason for this account closure, nor could he reopen the account. I waited a week to see if I received a new card for this account, and again, I called to see why my account was closed and how to dispute this action. I was told that Capital One closed the account due to " returned payments '' and that the representatives could not do anything about this, but my billing statements and payment screen on the Capital One app correctly reflects the charges and payments I made to this account. On XX/XX/XXXX, I received a letter from Capital One at my permanent address dated for XX/XX/XXXX. This letter explained that my account was closed " because of activity on this account or another account that is not consistent with our expectations for account usage and violations of the Capital One Customer Agreement. '' However, I never signed or agreed to any Capital One services, nor did I agree to the transferring of my Walmart XXXX Credit Card account to  Capital One. Thus, I was not made aware of any Capital One Customer Agreement that I could have violated, and Capital One is not explaining what I had done that was not consistent with the customer agreement. According to the records that I am able to see, I have made payments on time and received rewards for my purchases that I am not able to redeem since my account is closed. I have not received or been given access to a billing statement that reflects charges and payments made after XX/XX/XXXX. Because of the actions of Capital One, my credit score has been negatively impacted by the closure of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
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:
I have notice two accounts on my credit report that does not belong to me : 1XXXXXXXX XXXX  Account # XXXX 2. ( Original Creditor : XXXX XXXX ) Account # XXXX I am a victim of identify theft and I have filed a FTC report and XXXX complaint as well as a direct dispute with the credit bureaus to put them on notice of these inaccurate accounts.

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 2022-12-01
Company: Experian Information Solutions Inc.
State: IL
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 have contacted the three credit bureaus several times about them incorrectly reporting my student loans as in repayment. I do not owe on my student loans as of yet so it should not be showing balances like they are up for payment which is lowering my credit score. Additionally my 5 charged off collection accounts are showing as open with a balance because I DISPUTED them and now they are showing with current balances as of XX/XX/2022 when these accounts are 4 years old.

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 2017-12-14
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I closed a HELOC with US Bank on XXXX XXXX, XXXX. Prior to the closing, I requested an initial draw of {$27000.00}. Prior to the closing I was advised that the funds would be sent to me after the rescission period expired. At the closing, the mobile notary had as part of the closing package a form from US Bank confirming the loan disbursement request. 

On or about 10 days later, I called US Bank to inquire as to the status of the check and to express my concern over being charged interest on a disbursement that I had not received. I was advised to continue to wait as " the check was in the mail. '' On XXXX XXXX, XXXX, I again called the bank to inquire on the status of the check. Once again I was told to wait as the " the check was in the mail '' although I expressed concern over having received other documents from US Bank including a billing statement without having yet received the funds. I agreed to continue to wait. On XXXX XXXX, XXXX I once again called the bank. This time I was connected to a representative who told me that the issue needed to be investigated further and that she would follow up with me by email. On XXXX XXXX, XXXX I was advised that the funds were actually sent to the title company via wire and that I should get the funds from them. 

First, I feel deceived by the bank. During this entire time the bank has collected interest on a balance they claim I received. If the money was sent to the title company and I would have been properly advised of the same on my first call, then this could have been resolved with minimal interest charges.

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 2023-01-25
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Welsfargo held my direct deposit XXXX weeks for no reason. It caused me to be evicted from my apartment. I could not get another checking account after this action also.

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 2021-09-17
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian and XXXX are violating 15 usc 1681e ( b ) by not accurately reporting the information to my consumer file!!!! Its their job as a reporting agency to accurately validate and verify all information before reporting the data to my consumer file!!! Experian and XXXX have failed to do so!!!!! Experian and XXXX are violating 15 usc 1692d ( 4 ). XXXX has provided a letter stating that they do not own this debt nor do they have a financial interest in this debt ; therefore, this must be removed immediately! They are also violating 15 usc 1692g by not properly validating this debt before reporting this information to my consumer report! XXXX has also stated that XXXX is the only bureau that has removed the incorrect information by stating that Experian and XXXX are the only bureaus that are still reporting this erroneous information!!!! XXXX and Experian are furnishing false information which violates 15 usc 1692e punishable pursuant 15 usc 1692k and pursuant 15 usc 1681n ( 1 ) ( B ) they both are punishable in the amount of XXXX. I have also included my identification to show that I XXXX XXXX XXXX XXXX am the person submitting this complaint!!! And above all other things XXXX and Experian are violating my right to privacy pursuant 15 usc 1681a ( 4 ) and they do not have permissible purpose pursuant 1681b ( 2 )!

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