BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-06
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
on XX/XX/2020 - I received a US Bank Reliacard for unemployment benefits in the mail. I still work and have never filed for unemployment benefits. I've reported this to XXXX  and to XXXX. I tried calling US Bank to no avail. I've also reported this to the Colorado Dept. of Labor and Employment, Unemployment Insurance division.

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 2022-10-26
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have contacted all XXXX credit bureaus via phone and mail over the past XXXX years to try and establish my credit report, which doesn't seem to exist. I have sent information by mail to establish my identity ( 2020 ), but I still can not access my credit report in any bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have contacted all XXXX credit bureaus via phone and mail over the past 3 years to try and establish my credit report, which doesn't seem to exist. I have sent information by mail to establish my identity ( 2020 ), but I still can not access my credit report in any bureau.

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 2023-05-25
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, this Creditor has violated my rights. Under 15 USC 1681 Section 602, it states that I have the right to privacy. 15 USC 1681 Section 604 A - Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card account under an open-end consumer 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 2022-12-30
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:
This is my SEVERAL Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX, SC XXXX XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XX/XX/2017 my data was breached and the last two years have been terrible. Now Bank of America has charged My accounts for fraud charges and added countless fees. My credit and financial security are being affected

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 2020-11-25
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We had to put the house in forbearance in XXXX of this year. The covid=19 impact started in XXXX, when XXXX and I 's employer started to cutting back the amount of hours we could work. In XXXX, more hours were cut. XXXX and I were stretched beyond our means. So I strarted researching solutions. We were afraid to go into forbearance at first, we heard horrible stories about peoples homes being taken just as soon as the forbearance plan ended. In XXXX we had no choice, he was working 30 hours a week, I was at 20. This begins the challenge with LoanCare. They promptly allowed us forbearance, through a canned email. I tried several times to contact a live person to get details, no one answers the calls or the emails outside of the automated response ( we received your email and are working to get it into the right department ) This is the only type of email I have ever received from LoanCare. There is never any instruction on whats coming next, what I should have ready just nothing. I need ed to speak to a LoanCare representative in XXXX, I knew that forbearance was coming to an end. I called multiple times a day, left several emails every day. Still no response. So to cover our home I had to request anothe months forbearance, because I had no idea what was going to happen next, I still have no idea whats coming our way. Today I received another email, stating that I had documents to esign. There was no document to sign, A few minutes ago another canned email warning me that that this document was going to expire and needed a signature. At no time since LoanCare bought our loan from XXXX  ( awesome company, communicative, returned phone calls and emails with a 24 hour period consistently ) have I heard a live voice, or received a personalized letter from that company. Its a scary, stressful and daunting thought knowing that I am tied to a company for 3o years and that when an emergency comes up I will not be able to get direction or help from this company. The last time I cheched online it stated my next payment would be due XX/XX/XXXX. Today it say that payment is due on the first. Kind of short notice. I'm not sure I can come up with the entire payment with such little warning. To me it seems that LoanCare is going to do things in an unethical manner, and I have no idea what to do.

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 2019-03-04
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX CARD 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 2018-05-01
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
OnXX/XX/2018, Chase Bank send me letters informing that Chase decide to close my checking and saving accounts, and the process is not reversible. Chase didn't provide any more information and reasons for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: SYNCHRONY FINANCIAL
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: Investigation took more than 30 days

Complaint:
This company has been reporting unverified and inaccurate information about me to the credit bureaus. 
I have formally requested a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay them the alleged amount and they have failed to provide such verification ( As per FTC opinion letter from Attorney XXXX XXXX XXXX, they have been made aware that a printout of a bill or itemized document does not constitute verification ). 

In addition, I have formally disputed this derogatory account with this company and they have failed to place the required " notice of dispute '' disclosure within the required 30-day period and did not furnish the credit bureaus with the required disclosure, within the period required by law. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period and I am now considering small claims action against them for their violations as well as for defamation and negligent enablement of identity fraud.

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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is a violation of my privacy.

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 2021-05-07
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX We missed our first payment XX/XX/XXXX to Mr. Cooper mortgage . we enrolled in Illinois hardest hit program which helps homeowners who are behind or struggling with their mortgage. by XX/XX/XXXX or balance was {$6200.00}. We were approved. And received payments. On XX/XX/XXXX we received 5 payments, four payments of {$1500.00} and one payment of {$5400.00}. Totaling {$11000.00}. On XX/XX/XXXX we received two more payments one for the amount of {$1600.00} and one for {$800.00} totaling {$2400.00} with a grand total of {$14000.00} minus the {$6200.00} balance owed leaves a overpayment of {$7800.00}. We have never received a statement of a zero balance even after we were up to date on our payments. On XX/XX/XXXX we received a statement reflecting we owe a balance of XXXX we are still waiting for them to apply the {$7800.00} that we are owed. We have tried on several occasions, dozens of phone calls to resolve this. Even after showing them the statements that they provided us showing they received the payments, they still are forcing us to prove they received the payments by asking for a statement from Illinois hardest hit program.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: KEYCORP
State: IL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2021 I attempted to log into my unemployment card ( KeyLink ) account. I was denied access and couldn't change my username, password or pin number. I called the number on the back of my card and she stated that someone changed my pin on XX/XX/2021 and there were 13 fraudulent charges between XX/XX/2021 and XX/XX/2021. They totaled {$6300.00}. Someone was using a web transfer and transferred money to another account everyday for 2 weeks. There were 11 fraudulent charges at {$500.00} each, 1 fraudulent charge of {$490.00} and 1 more fraudulent charge of {$300.00}. The company has denied my claim stating that no errors have occurred. They won't give me any detailed information regarding where this money went other than it was a web transfer to another account. I received a letter Bank Card Services PrePaid Debit Disputes with a routing number and the last for digits of an account number they claim is linked to the cardholder, which I assume is me. Again no further details. Please help me recover this money as I haven't worked in over a year due to the pandemic and really needed that money to help provide for my family. Today, XX/XX/2021 I sent Bank Card Services PrePaid Debit Disputes a fax with a hand written statement explaining what was going on and to please re-review/reopen the claim considering I never authorized these 13 transactions over a 14 day period. I've never authorized any funds to be transferred to another account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-27
Company: Experian Information Solutions Inc.
State: FL
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 have a XXXX XXXX XXXX XXXX XXXX without a personal guarantee. Due to covid-19, I have been unable to pay the bill. We are a XXXX XXXX XXXX XXXX XXXX with 98 reduction in sales since XX/XX/2020. The XXXX XXXX is reporting late to my personal credit report, resulting in my credit report dropping 80 points. My card has never been late prior and the fact that i can not pay is not my fault. It is completely due to the cessation of XXXX XXXX and suspension of all XXXX XXXX XXXX. They should not be reporting this XXXX  account to my personal account and it should be removed.

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 2022-08-08
Company: Reliant Capital Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I submitted an FDCPA Debt Validation request pursuant to 15 USC 1692g ( b ) to Reliant Capital Soluctions, LLC ( " Reliant Capital '' ) regarding a debt alleged to be owed by XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In my initial debt dispute I disputed the {$930.00} total being alleged and requested that all supporting documents be provided to affirmatively demonstrate that I owed XXXX {$930.00} and how they reached that total. 

In response, Reliant Capital sent my a letter dated XX/XX/XXXX, which claims that I owed XXXX {$1200.00}, with no explanation as to why Reliant Capital was claiming more owed than what XXXX claimed less than a month earlier. 

Attached to Reliant Capital 's XX/XX/XXXX letter were print outs from XXXX, starting from XX/XX/XXXX to XX/XX/XXXX. Each print out claims to be a cumulative total of the amounts owed. 

XXXX claims I owe {$1500.00} XXXX claims I owe {$1600.00} XXXX claims I owe {$2000.00} XXXX claims I owe {$0.00} XXXX claims I owe {$0.00} This is consistent with my understanding that XXXX has been paid all moneys owed to it. The documents provided in response to my debt dispute fail to establish the {$930.00} claimed by XXXX on XX/XX/XXXX or the {$1200.00} being claimed by Reliant Capital on XX/XX/XXXX. 

I believe that Reliant Capital has violated 15 USC 1692e by providing false and misleading information, claiming that I owe an amount in excess of the amounts claimed by the party they are collecting a debt on behalf of, and further by providing documentation which they allege support the alleged debt they are seeking to collect - when that evidence actually establishes a {$0.00} balance.

Reliant Capital has failed to substantively answer my Debt Validation Request, and in fact provided evidence that there is a {$0.00} balance, and yet they claimed I owe {$1200.00}. I've submitted a second debt validation request on XX/XX/XXXX, advising of the same. 

Further, beyond documents being provided showing a XXXX balance, the debt they allege to be collecting are from XXXX and are barred by statutes of limitations in the state of Ohio. Reliant Capital has further violated CFPB regulations and the FDCPA by pursuing a time barred debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-07
Company: WELLS FARGO & COMPANY
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:
At the end of XXXX my previous debit card expired. I have lived in XXXX for many years and have received four debit cards here through XXXX. When the new card didnt arrive I made calls and sent e-mails inquiring about the card and was told that the reply might be slow. That was perfectly understandable because the covid emergency had just begun. Finally in XXXX of this year 2021 the new card was sent to my home address here in XXXXWhen I tried to activate the card on line my old pin number which has never changed was not accepted. Previously the new cards were activated with the same old pin number. This time it wasnt accepted for some reason. When I reported that they told me the card was activated but when I tried to use it at an ATM it wasnt accepted. Since XXXX I have constantly called and e-mailed the bank for a resolution of the problem but with no results. Renewing a debit card should be very routine.

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 2023-03-22
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: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or delete these items immediately : 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 explanation
Consumer complaint received 2021-05-07
Company: AES/PHEAA
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 an issues with XXXX  TXXXX  XXXX XXXX  and FedLoanserving. 

1 {$200.00} payment on XXXXand it was reported as a {$50.00} payment to credit bureaus. Balance at the time was {$2800.00} balance now shows {$2700.00}. 

2 {$91.00} was made on XX/XX/2021 and they have yet to report to any credit bureaus. 

3. I submitted a dispute on XX/XX/2021. The dispute is now closed. Fedloan is still reporting incorrect information, balance {$2700.00}. The balance is now {$2500.00} 4XXXX XXXX  stated to me in a letter from consumer complaints it's the credit bureaus decreasing FICO because they have no control over that all they did was report payments and remarks. XXXX XXXX & XXXX are the reasons why my FICO continued to fall. My FICO went down over 145 over a 4 month period, with NO 30 day late fees and under 30 % debt especially after I paid off the account and closed the account. XXXX XXXX would add remarks and remove remarks and my FICO fell each time, from

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-28
Company: Innovis
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Tried to place a freeze with XXXX and Innovis and they are mailing me my PIN in 3 days. XXXX, XXXX, XXXX give it to you immediately online. My area has rampant mail theft and common mail mix-ups. On the likely chance I do not receive this mail, I will not be able to unfreeze my credit with them, and a random stranger could do it instead. It is very insecure.

Company response to consumer: Closed with explanation