BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-26
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
On XX/XX/XXXX My ex husband and I legel separated and I moved to a different city, I Have a lease agreement showing I move to a new city, When I left he was still living in the home we purchase in XXXX, he wanted the home. I went to the XXXX  XXXX XXXX and told them I was separated form him and asked them to remove me from the loan, they told me they could not, so I asked him if he was making the payments and he said he was, We finally divorce after 2 years and he got the house in the divorce and on the day of the divorce they took the deed out of my name and put it in his and I will show you from the tax office, I went back to the bank and asked them to remove my name and they told me they could not. again, so please can you help me, get this off my credit, I walked away from this because of abusive and I want to try to buy my daughter and my self a house, I want it off my credit and I want the loan taken out of my name please

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I applied and was approved for a Costco Citibank Visa card on XX/XX/XXXX. By XX/XX/XXXX I had not received the card and called Citibank. They told me the card had been delivered by USPS on XX/XX/XXXX which I didn't receive -- and they could provide no proof of delivery -- so they promised to send a new card by XXXX  arriving by XX/XX/XXXX. When that card didn't arrive I called Citibank customer service back who admitted a card was never XXXX 'd but would be sent by USPS arriving by XX/XX/XXXX. They claim due to an internal policy they are unable to XXXX  a card. Over one month and the account is not functional as the card was never received. Meanwhile Citibank has exploited my personal financial information, including my credit reporting, for a card that was never functional. Customer service offers no remedy or solution other than to refer to the terms and conditions.

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 2020-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are currently numerous accounts listed on my credit report that I have no knowledge of. This was a result of malpractice or an error.

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 2020-11-18
Company: Commonwealth Financial Systems, Inc.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Commonwealth Financial has violated my rights under the FDCPA by failing to respond to my debt validation requests within 30 days.Their initial contact with me was on XX/XX/XXXX by email with an attached validation notice. My validation request was sent certified mail ( Tracking # XXXX XXXX on XX/XX/XXXX and I did not receive of response by mail until mid XXXX. I attached the late response letter Commonwealth sent me dated XX/XX/XXXX ( I excluded the second page with all the personal medical data ) along with the tracking and return receipt information for the validation request as well as the initial email they sent my on XXXX. Its also kind of alarming this company had access to my medical information when I never signed a release for them to possess it. Would this be considered a HIPPA violation under the law? I was expecting to receive documentation directly from the doctors office not the collection agency. If requested I will send you the full letter as proof if required but I would prefer not disclose medical documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I received a text message alert to my phone asking did I authorize a XXXX transaction in the amount of {$3500.00} I replied NO. I then received a call from a Bank of America phone number, same customer service number on the back of my card. He went into great detail about a person having access to my personal information and the fraud department is starting an investigation. Immediately i was placed in a state of panic so I logged into my account to follow the protocol in which he stated to return the funds. I followed the steps Im which he claimed to be adding the funds back into my business account through XXXX making me add myself under my business name as a recipient and sending {$3500.00} when I went back to my account balance and noticed the funds were missing instead of deposited. I hung up before he instructed me to wipe out the rest of the funds! I contacted Bank of America and they started a dispute which I was told could take up to 45 days! I then contacted XXXX while the transaction was still processing. XXXX stayed they could not do anything and referred me back to my bank. I also contacted XXXX XXXX  where the money was sent. I explained everything to them and they stated the only thing they can do is wait to hear from Bank of Americas fraud department. I spent a total of three hours going back and forth being transferred around giving the scammer ample time to shut down this account and disappear. Finally I contacted Bank of America in tears because part of the funds they took was a loan I had just received from a small business funding company for covid relief and I was preparing to get things back going that weekend. I explained this since of urgency to Bank of America but ultimately they went on some length about the scammers privacy rights and blamed myself, the victim for initiating the transaction. We as consumers feel safe and secure with our banking facilities thats the reason we choose them as our financial institutions in the first place. I felt attacked when I had already essentially been robbed. My business, my credit, and my livelihood is on the line and all I received was fake apologies and left helpless to wait and hope the scammer returns the funds.

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 2020-12-07
Company: SYNCHRONY FINANCIAL
State: AZ
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:
i purchased a XXXXXX/XX/XXXX XXXX XXXX phone from the XXXXXX/XX/XXXXi am unable to activate this phone as XXXX XXXX  has a different email than the email i am using to sign into my goole account and XXXX fi will not tell me what email they have. i have attempted to return this phone as it is useless to me as i cannont activate it. XXXX store says we are closed due to the pandemic. also i have tried to return the phone through the google online store and i am unable to return the phone through the store as they are using a 5 year old email to send me the return label i do not have access to that email i contacted syncrony bank to dispute the charge and was told out of luck they cant help me. i should not have to pay for a phone i can not 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 explanation
Consumer complaint received 2021-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached 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 2021-08-09
Company: EQUIFAX, INC.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX XXXX i called XXXX XXXX XXXX XXXX and was unadded as an authorized user on a XXXX XXXX credit card account starting in XXXX. I have called Equifax multiple times and started a online dispute multiple times for almost 3 months now and the authorized user account that i have no responsibility over is still on my report XXXX  & XXXX  removed these accounts almost immediately and Equifax continues to leave this account on my report and its honestly frustrating and its really making me look bad on my credit report and the worse part is i have no control over the account because it does not belong to me im only a authorized user not the primary account holder. please help me get this off my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: Experian Information Solutions 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:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2020-11-18
Company: Medical Data Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Around XXXX XXXX this morning, I received a call from a local number that turned out to be XXXX XXXX XXXX. The person on the phone was rude, insisted I give her personal information and shared my birthday and zip code in an effort to get me to verify my identity. ( I didn't tell her this data, she told me and shared other info that should be private. ) Then the person said I had a debt of {$3000.00} and demanded that I take care of it. I told her this was involved in litigation ( from a car accident last year, ) and she demanded to know the date of the accident. I once again reminded her that I do not share personal data over the phone with strangers and she told me that the debt was from 3 separate incidents. She demanded again the date of the car accident. I told her again that I do not share info over the phone, and since she was escalating her demands, and her tone was threatening, I would be getting off the phone and I wished her a good day. She then threatened me with proceeding with further debt collection tactics at which point I hung up the phone. I feel shaken, and very upset. I don't mind working with people, but I will not be threatened over the phone by anyone.

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 2020-12-07
Company: JPMORGAN CHASE & CO.
State: KY
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:
I applied for a home refinance loan last week. I received the HUD disclosures today. The institution that we are refinancing with is XXXX XXXX XXXX XXXX. No issues with them. In the consolidated credit information ( from all three credit reporting agencies ), it was reported that I had a balance of {$5600.00} with JP Morgan Chase on a credit card. I called the bank and I was told I had to take that up with the credit bureaus and they had no further intention of doing anything about it. I spoke with XXXX  and XXXX. They both verified that their systems showed a XXXX  balance. I spoke with the folks at XXXX  and they refused to allow me to submit a dispute. So, I have issues with both JP Morgan Chase and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I had {$5200.00} stolen from my account without my knowledge via a fraudulent payment reversal that was not requested by me on my account where the refund was done to an outside account that I have no relation to ( see complaint XXXX ). It has now been two weeks and bank of america has provided me no update on the investigation nor refunded my money. Bank of America advertises a {$0.00} XXXX XXXX for all its credit and debit cards if fraud is reported immediately. In this case the fraud happened XX/XX/XXXX, and it was reported XX/XX/XXXX. It is now XX/XX/XXXX and I haven't received any updates or a refund. It appears this " {$0.00} Liability Guarantee '' is just false advertising and is widely being used by the bank to trick consumers into believing they are protected when in reality they are exposed to in cases where Bank of America acts in bad faith and negligently to allow fraud to happen.

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 2020-11-18
Company: CCS Financial Services, Inc.
State: MA
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:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX/XXXX  continues to report the account status of an account discharged in a chapter XXXX bankruptcy, every month on XXXX. A letter was sent to XXXX/XXXX  to ask them to stop, but in response, XXXX has now updated that status to current on EXPERIAN as well. Credit score dropped 26 points.

They must stop monthly reporting and updating the status fields status updated on and balance updated every month. This can be seen as an attempt to collect a debt that has been discharged in a bankruptcy, a violation on the FCRA.

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 2020-11-18
Company: Atlanticus Services Corporation
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX at approximately XXXX XXXX. I called Aspire Credit to report my card was stolen and that charges totaling {$330.00} was not authorized by me. I asked that the card be shut down. At XXXX. I filed a report with the police that my purse was stolen and obtained a case # I was told by a rep I needed to send in an Affidavit of fraud but it had to be mailed to me. I asked if it could be emailed, I was told no. On XX/XX/XXXX I got a notification that more charges were charged to the account. I called Aspire and the rep stated that I called in for a increase of credit? I advised I did not and that this account was reported stolen XX/XX/XXXX and I was waiting for the affidavit, why where there additional charges allowed on the acct? The rep did not have an answer, said that when I called on XX/XX/XXXX, that I was inquiring about balance?? Untrue. I found that {$220.00} was additionally charged to the card. I spoke to XXXX representative XXXX in the fraud dept. on XX/XX/XXXX. and asked about the affidavit and he said he could email it. I received it within minutes. I sent it back immediately. On XX/XX/XXXX I got notification of activity on the account and called in. The rep said the balance was XXXX. I advised that is impossible. They said I made a payment thru the IVR on XX/XX/XXXX for {$850.00} via check. I told them I did not make that payment. I asked why would I pay on charges I did not authorize? I then asked for a secret question be asked before giving out any info on this acct. XX/XX/XXXX the payment was reversed NSF and the rep told me that I am responsible that charge of {$29.00}??? I have since closed this card I have been checking on this account weekly and there has been no progress on the investigation and they never ask me the security question on my account. The balance is now over the limit. I have made a payment of {$120.00} XX/XX/XXXX on my portion of the account, which was {$500.00}. I feel that with everything that they asked of me and I have complied that enough time has passed to identify that I DID NOT make those charges and the account should be resolved with me only owing {$370.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Experian Information Solutions 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 am filing this report because today XX/XX/20 I applied for a XXXX  credit card and I was denied due to having an account in negative standing appearing on my credit report. The account is from this company ; XXXX XXXX XXXX. This account does not belong to me nor do I have any written/verbal contract with this company. I did not open an account with this company and I did not allow anyone else to open an account on my behalf. I did not benefit anything from this account such as money, goods, services or any other benefit and I did not make any payments towards this account. I have already filed a police report regarding this unauthorized account.

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 2021-04-28
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: Personal information incorrect

Complaint:
I sent 3 letters to the 3 Credit Bureaus.

One to each Bureau. 

XXXX  received the letter and has not removed names that are incorrect on my credit report. 

XXXX received letter and notified it would take longer than 30 days to review incorrect personal information on my credit report. 

TransUnion received letter and has not notified me of them regarding receiving letter to remove incorrect personal information. Letter sent as certified mail. 

All letters were sent as certified mail.

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 2021-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
They have XXXX XXXX XXXX XXXX reporting open on different dates on each of my credit reports, more inaccuracies hurting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX, Equifax, and XXXX are all reporting information that is incorrect. I have filed disputes but the information continues to be on my credit report. I have documentation that the information that they are reporting is not from the original source. The documentation that I am presenting comes directly from Bankruptcy federal court in XXXX Kentucky.

Company response to consumer: Closed with explanation