BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-28
Company: DISCOVER BANK
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Around the XXXX of XX/XX/2023 I attempted to cash refund check after they closed my account. When it was denied due to a stop payment. I have left several messages to inquire why I have not received any explanation or return call after several messages left. After my first complaint it seems retaliatory in direct response to the complaint filed. They have my XXXX dollars for 5 months now with out my having access. That is a federal crime is it not theft and fraud. I've got no recourse to retrieve my money or fix the damage they have done to my credit. XXXX points for an account they never opened but reported closed and kept my money. I need direction o. How to proceed. Clearly I can only keep calling but at what point do I receive compensation for there having kept my money for the better part of the year and causing me great harm in my attempt to obtain a better credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: TX
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:
It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$23000.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: SC
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 sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX  XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, 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 am writing to file a dispute regarding the removal of old addresses and employers from my XXXX & Equifax credit report. According to consumer protection laws, I have the right to ensure that my credit report is accurate and up-to-date. 

I have noticed that my credit report still contains outdated addresses and employers, even though I have requested their removal multiple times. These addresses and employers are no longer associated with me and have not been for some time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I believe that XXXX & Equifax has violated the Fair Credit Reporting Act by not removing these outdated addresses and employers. According to the FCRA, credit reporting agencies must ensure that their reports are accurate and complete, and must investigate any disputes that are submitted to them. 

I am requesting that XXXX & Equifax immediately remove these outdated addresses and employers from my credit report, and provide me with written confirmation of their removal. I also request that XXXX & Equifax provide me with a free copy of my credit report to ensure that all other information is accurate and up-to-date. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XXXX bought our XXXX mortgage on XX/XX/XXXX of 2019. We refinanced our mortgage on XX/XX/XXXX of 2019. We have tried for 6 months to get our remaining escrow balance from both companies. I have complaint # XXXX open with CFPB against XXXX that details our attempt to recover our remaining escrow balance of {$1900.00}. At this point XXXX contact information is no longer valid and XXXX says they can't access our XXXX account. XXXX also has our current mortgage so they are confused about our current loan account # XXXX from XX/XX/XXXX of 2019 and the loan they purchased in bankruptcy from XXXX account # XXXX on XX/XX/XXXX of 2019. So we are getting the runaround. XXXX appears to be reverting us to a now dismantled company ( XXXX ) with full knowledge that they are no longer operating and that XXXX owned our XXXX mortgage on XX/XX/XXXX when we refinanced.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On XX/XX/2022 someone open an account with Barclays Bank ( carnival ) on XXXX i see the card on my credit report and report to this bank this credit card dont belong to me. I call on several times and they states they will close the account but still open. 

Who open the account paid the bill on XXXX and XXXX, so they might have the address for the person who open the account because somebody is paying the account, but since XXXX they are not paying the 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 explanation
Consumer complaint received 2019-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am writing to explain the circumstances of my chapter XXXX bankruptcy filing..Since credit bureaus wont hear me out I don't know the reason why, but they failed to cooperate..My husband had been laid off from work 7 months previously, which meant our financial situation was precarious. Mine was the only income in the household. I was just barely keeping up with the usual bills after the loss of my husband 's income. This led to our bankruptcy filing. .Things have improved since then..I have received annual raises and my husband have a job now.. Our credit history since the bankruptcy is relatively limited but all of our bill payments since the bankruptcy discharge have been on time.. CFPB reconsider, take care of my concern and fix the following accounts XXXX XXXX XXXX XXXX -- this account is reported twice the other trade line is in good standing..Its really confusing. Take off the other account which is XXXX XXXX XXXX XXXX..

fix also XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Chase closed my credit card account account. 

when they closed it they neglected to notify me that i have 30 days to use my cash back that i accumulated over the years and have amounted to XXXX 's of $ . 

i asked them multiple times to address the issue and return me my money and they said that its gone forever, which i believe isn't justified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Citi Card is engaged in fraudulent and deceptive pattern in charging fees and interest -- even after full payment is done way before the due date. While paying on-line, the following statement appears in their payment tab : A. " This is remaining amount owed to satisfy your last statement balance. '' {$41.00} Ex " 3. '' B. The last statement balance was {$63.00}. Ex " 2. '' C : If we do not pay statement balance of {$63.00}, Citi card charges fees and interest.

D : When we tried to pay {$63.00}, Citi Card stated : " That payment is too large. You can only pay your current statement balance plus 7.5 % which is {$44.00} '' See Ex " 3. '' C : See Ex " 1 '' for current balance.

Citi Card was told about this problem but they ignored everything in past. This is FRAUD ; and done with criminal intent to deceive. A class action suit is needed against Citi Card. 

We do not want any phone calls from Citi card. They must respond in writing by email. 

Submitted by XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: AZ
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 disputed fraudulent activity and equifax has let the dispute go past 30 days. Confirmation number XXXX Also, I have sent a picture of my photo ID and social security card with the inquiries listed that are not mine on XX/XX/2022 with no response! The inquires are : 1. First phase visa XX/XX/2022 XXXXXXXX XXXX  XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXXXX XX/XX/2022 They have failed to remove these inquires that were placed on my credit profile without my consent! 

Also, there is a account called XXXX XXXX that shows as a derogatory remark that is not mine and has been disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Been sending letters to the respective agencies but I never got any response about it. I felt I am being ignored and taken advantage. This isn't fair!

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 2023-08-28
Company: FIRST NATIONAL BANK OF OMAHA
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My savings account was restricted, and XXXX of the transfers I made was cancelled without any explanation. The bank warning stated that if the issue with the restircted account is not resolved within 90 days it will close the account. I tried to contact the bank but the bank does not have any phone service, only online chat and email. I sent a couple of emails and also tried chat but had not had any response. It has been over 5 days now. The bank does not have any willingness to resolve the issue but only wants to close the account. I don't understand this kind of customer service.

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 2022-09-14
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: Was not notified of investigation status or results

Complaint:
Been sending letters to the respective agencies but I never got any response about it. I felt I am being ignored and taken advantage. This isn't fair!

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 2021-10-30
Company: Experian Information Solutions Inc.
State: MA
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 noticed my credit report saying I owe XXXX money. So i called XXXX multiple times and they kept transfering me, ive probably been on the phone with them XXXX XXXX so far and never go directed to the right department to handle this. Most of the departments verified they cant find an account for me in the first place, my name is XXXX XXXX, birthday XXXX  and phone number has been XXXX for the past XXXX XXXX. I have never signed a contract with them or had an account with them in any form, including internet or whatever else they provide. I told many of theyre departments that this would have to be fraud if this report is even true. If they have a signature, id like they to match it to mine because I know I have never had an account with this. Please invesigate this buissnesss practices and require them to actually have my consent before charging me, like I said before, I have NEVER had an account with them or services with them in my whole life. I kept reaching out to them, and even disputed on experian and both have had no luck.

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 2017-10-04
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Have not responded to two debt validation letters I sent via certified mail in regards to providing proof of my original wet ink signature contract and not a photocopy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX - XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Two credit cards in my name I did not apply for. Bank of America on XX/XX/22 And another Bank of America card on XX/XX/22 Notified Bank of America on both cards.

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 2020-02-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Keep in mind I was a victim of fraud and identity theft, the Account is still being reported to my credit report and damaging my score daily, so the statute of this item has in no way expired.

At this point, I want an immediate deletion letter from Chase Bank.

I have a federal litigator who is ready to take this on contingency and he assures me based on the home financing opportunities I've lost, and several lines of credit I've been turned down for, that this case is worth over {$100000.00}. If this matter continues to take much more of my time, I'll simply turn it over to the federal litigator to pursue in Federal court. 

Back on the XXXX of XXXX, I sent you a frendly letter to dispute my account and Chase just ignored it, not even mark account as disputed in reports. 

Again I'm just asking for what's fair. My income is well over $ 100k a year, at this point it's a matter of principle not the money. 

I have enclosed an FTC report since 2015 and when they time made it I thought only that company had fraud relation, then I realize that there were multiple accounts fraud related and Chase is one of them. 

Best XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: Netspend Corporation
State: VA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
BRINKS XXXX ACCOUNT / NETSPEND CORPORATION On or about XX/XX/XXXX, I received a package in the mail to my home that contained a fully ready to use pre-paid debit card. The card was embossed with my name and a new account number. There were all the customary legal disclosures and activation instructions including a ACH instructions for me to send to my payroll company for direct deposit. 
Only issue, I didn't ask for the card nor did I authorize its issuance. I have never provided my personal information to Brinks XXXX XXXX. The company would not tell me where they got my information or how they used it to send me a card. The company said they often collect info from vendors and sometimes use it for marketing. 
This is a marketing tactic that is highly risky and deceptive

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 2023-06-06
Company: EQUIFAX, INC.
State: TN
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 submitting this Complaint to formally dispute the presence of unauthorized inquiries that are currently reporting on my credit file. I have reviewed my credit report and discovered the following inquiries that I did not authorize or have any knowledge of : XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX I have conducted a thorough review of my personal records, and I can affirm that I did not initiate or provide consent for these inquiries. As per the Fair Credit Reporting Act ( FCRA ) Section 611, I request an immediate investigation into these unauthorized inquiries and their removal from my credit file. These inquiries are not factual since I never authorized them. The FCRA requires Credit bureaus to follow up and investigate the inquiry in question or delete. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act sec 604 as well as a violation of my rights to privacy. I kindly request that you initiate a thorough investigation into these inquiries and provide me with a written response regarding the outcome of your investigation.

Company response to consumer: Closed with explanation