BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-08
Company: Incomm Holdings Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I received a {$200.00} Vanilla Gift Card as a gift on XXXX XXXX. I had saved it and kept it in my dresser drawer until XX/XX/XXXX. On that day, I had planned to do some grocery shopping and called the XXXX number on the back of the card to make sure I didn't have to activate the card prior to use. 

To my surprise, the card had only {$6.00} and change remaining. A purchase for approximately {$190.00} had been processed on XXXX Knowing that I had not made the transaction, I immediately called Vanilla and reported that the card had been stolen. I filed a dispute for the transaction on that day, XX/XX/XXXX. I was told that in order to investigate my claim, I would have to fill out paperwork. However, knowing that federal Regulation E requires that the investigation commence upon my verbal notification that an error ( fraud ) had occurred, I was looking forward to a speedy resolution. The card was closed immediately leaving me with no access to even the {$6.00} that had not been stolen. I did, however, complete the required paperwork and returned it per Vanilla 's email instruction on XX/XX/XXXX. 

I heard nothing from them and, on XX/XX/XXXX, resubmitted the completed paperwork. Still no response, no communication whatsoever was received. Today, XX/XX/XXXX, I called to follow-up again and was told that since " they didn't receive my paperwork '' ( which I had submitted twice ), there was nothing that they could do and that they would get to it " when they can. '' I remain out the {$200.00} today and am having to jump through hoops to get back money that was stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On around XX/XX/XXXX I noticed this collection account from IC SYSTEMS INC on my creit report. I immediately questioned if this was my debt. I sent IC SYSTEMS INC a debt validation letter on XX/XX/XXXX this letter was received by IC SYSTEMS INC on XX/XX/XXXX @ XXXX XXXX CERTIFIED MAIL TRACKING # XXXX XXXX XXXX XXXX XXXX SIGNATURE WAS ALSO REQUIRED. Since the delivery of my debt validation letter to IC SYSTEMS INC, I HAVE NOT RECIEVED ANY VERIFICATION OF ANY SORT, showing that this debt belongs to me. THIS IS NOT MY DEBT!!! please investigate. Also, IC SYSTEMS HAS RED FLAGGED MY ACCOUNT XX/XX/XXXX 4 TIMES IN 1 MONTH ( XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ) 5 TIMES ALL TOGETHER. Please investigate as I am sure this has to be some type of violation on there behalf.

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 2018-07-04
Company: Capio Partners, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I originally settled accounts several years ago with XXXX XXXX XXXX XXXX XXXX Hospital. Recently they have sold accounts to XXXX XXXX, XXXX from XXXX, Texas. They are now trying to collect on old accounts that are settled and they continually try to use false dates and continually update the dates. I have tried several times through the credit reporting bureaus to dispute this especially because no one has provided me any strict proof of this debt and none of the debt was in XXXX XXXX XXXX name and I have no obligations to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX XXXX, XXXX, and BK OF AMER. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and BK OF AMER with no successful resolution. There was definitely an error on their part.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: COMMERCE BANK
State: IL
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 balance transfer

Complaint:
I first started a balance transfer transaction in XX/XX/XXXX in response to a solicitation from Commerce Bank that went nowhere. I have since tried half a dozen times more. After spending nearly 4 fruitless hours on the phone with various representatives, I was told my card was not valid, despite the fact that Commerce 's automatic system validated it. I was told a new card had been sent out XX/XX/XXXX, but none ever arrived. At no time did Commerce ever try to contact me, despite having all my contact information, to tell me what the problem was. I have since incurred over {$1500.00} in additional interest because of this fraudulent activity on the part of Commerce Bank and I expect to be reimbursed in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-02
Company: CITIBANK, N.A.
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 status incorrect

Complaint:
On XX/XX/2018 I received a obscure email notification with subject line Notice of decreased credit limit. This was unexpected and very surprising. When I requested further information from secure message online, the reply was : your request was forwarded to the appropriate department. Several days later still no information provided. 
I also sent a message to a social media rep who subsequently connected me with credit management department. They in turn stated that my report is showing some very compromising information that would prevent them from reinstating my credit limit. They refused to provide any specifics over the phone or a written letter in this regard. I have checked with all credit reporting company reports and haven't found any concerns, except small discrepancies, that would justify this type of action. 
As of now my credit reporting from CITI is further compromising my credit file as a result of this action. 
I have been a customer for many years and never been subjected to such actions. I find it very deceptive and questionable and hope you can investigate this further and help other customers from this type of business conduct from CITI.

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 2020-08-23
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: Account status incorrect

Complaint:
FILED FTC REPORT WITH COMPANIES AND THE CREDIT REPORTING AGENCIES THEY CLOSED THE ACCOUNTS BUT DID NOT REMOVE FROM CREDIT REPORTS THE ACCOUNTS ARE / US BKPT CT IL XXXX REFERENCE # XXXX US BKPT CT IL XXXX REFERENCE XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: EQUIFAX, INC.
State: OH
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 received a notice from XXXX XXXX, the loan servicer, that my loan was past due. I had believed the loan was deferred. The notice I received stated that the loan was late, but not yet 30 days past due. 

I contacted an account representative and she gave me information on getting back into a deferment. I explained to her that I did not want any late mark on my credit report. She stated that it was too late to get a deferment for that month and I could apply for one for subsequent months, but needed to make a payment for that month. I agreed to do so, and before the 30 day window made a payment in the amount that she had told me was due. She had assured me that if payment was received before the 30 day window passed, it would not result in being marked as late to credit reporting agencies. 

Despite my making the payment, they have reported that account as late to credit reporting agencies, resulting in serious damage to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Please refer to complaint # XXXX this is my response to the company because their representatives violated FDCPA and TCPA laws. Portfolio Recovery XXXX Associates contacted me many times during the month of XX/XX/2020. I advised numerous times for the company to quit calling and to communicate via US mail. They did not honor such request, and the representatives did not provide me with the address to send a cease and desist letter. The company states that they do not have record of the calls made to my phone number. The reason for this could be that I was called from a series of phone numbers, not just one phone number. The following are dates and phone numbers I that I was contacted by this company after advising that I did not want them to contact my cell phone, and to send information via US mail. I was told that they could not stop these calls until I verified who I am by giving them the last 4 of my Social Security Number ( which they provided XXXX, date of birth, address, and phone number. I was advised on XX/XX/2020, that the company would continue to call until they could verify who I am- this alone is harassment. This is blatant disregard for the law and harassing behavior from this company. This company contacted me each time with an auto dialer, which is a willful violation of the TCPA. On XX/XX/2020, the day that I filed my original complaint, I called the company and spoke to a woman who identified herself as an executive assistant. Once I advised the executive assistant that I was filing a complaint, the calls stopped, but why the harassment for over a month? This company has willingly and knowingly violated my rights under the TCPA and FDCPA and I am seeking compensation for emotional distress, harassment, calling with an auto dialer ( after being told not to ) not sending the information regarding the debt in the US mail, as I requested. I can also request a recordings of these calls because they will provide proof that I advised to contact me by US mail because I am not giving my personal information out to a complete stranger, but this company did, and you can tell if you listen to the phone calls, they provided the last 4 of my SSN and my address trying to confirm who I was. I should also mention that the representatives with this company never provided what business they were calling from, they always said their name and asked my name, last 4 of SSN, and address. 
XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2018-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
I find the idea of banks dictating Government policy through their lending and commerce practices to be wrong. These are the same banking institutions that received Billions in Tax-payer bailouts due to their own negligence. 
The banks were rewarded for their efforts to destroy the economy, while consumers were punished. Now they want to control the firearms industry through policy changes, an area they have no jurisdiction.

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 2020-07-27
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my 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 2020-08-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I do not recognize the following inquiries on my Experian credit report. 

XXXX  XXXX XXXX, inquiry date XX/XX/2020. This inquiry is unauthorized, a violation of FCRA rules XXXX XXXX  XXXX, inquiry date XX/XX/2020, This inquiry is unauthorized. A violation of FCRA rules. 

XXXX, inquiry on authorized, a violation of FCRA rules

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 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Credit bureaus have not responded to my letters that was sent 30+ days ago in regards to accuracies on my credit file

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 2018-07-04
Company: World Omni Financial Corp.
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: Old information reappears or never goes away

Complaint:
World Omni financial Corp transferred my XXXX XXXX account to recovery in XXXX. As a CHARGE OFF. But on XX/XX/XXXX updating account 4 years later on XX/XX/XXXX as date reported. This is inaccurate reporting. Should have been as originally reported in XXXX. I need the company to remove the XX/XX/XXXX as the date reported since it was in XXXX it was reported

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am very frustrated at Bank of America for the way that they have decided to terminate my longstanding credit accounts with excellent payment history. 

I opened up my first Bank of America credit card in College in the early 2000 's, and I manage this account for almost 20 years and built a credit limit of 20K+ with bank of america . Eventually I even opened up another credit card with Bank of America and also enjoyed my relationship with Bank of America. 

This summer, I had an unfortunate incident that compromised my bank account, which caused the automatic drafts scheduled with Bank of America to be returned. I did not become aware of this until the Bank of America account was over 30 days past due, and only when I saw the late pay report on my credit report. I immediately rectified the issue, paid the account off and felt terrible. The fraud that I was experiencing really took a toll on my time and resources that I spent months trying to control the fraud from getting worse. 

Plus, I had recently paid this account off IN FULL, and so I did not believe or have any reason to think I needed to worry about Bank of America since my balance was XXXX. This is what is really irritating, as somehow Bank of America calculated that I owed them {$1.00}, and tried to charge my account for that month. This payment was returned, so bank of america began to assess " return payment '' fees and late fees, this building this balance up to $ 100+ dollars. Then to add insult to injury, they reported me late on my credit report. I am shocked that they think this is OK, as it is an egregious case of abusive and deceptive consumer practices I have ever seen. 

I informed Bank of America on several occasions that I was a victim of Bank Fraud and was experiencing issues. They assured me that my account would be OK since I quickly paid them. Well, sadly, they lied. They closed my long standing 20k+ credit line, and reduced the credit limit on my second credit card, and then later closed that account as well. 

I urge Bank of America, look at the rest of my credit card accounts on my credit report, they all have an excellent payment history. I have never had an incident of this nature and I have never been late in over 25 years of managing my personal credit. This was truly a one off event, and the knee jerk reaction of Bank of America to close my account after such a long term history with them is extremely unfair, unjust, and frankly something that I question if my name did not give away my ethnicity if Bank of America would have treated this differently.

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 2020-08-22
Company: WELLS FARGO & COMPANY
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with WELLS FARGO, XXXX, and XXXX XXXX XXXXXXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, WELLS FARGO, XXXX, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.

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 2020-08-22
Company: CAVALRY INVESTMENTS, LLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with CAVALRY PORT ( Original Creditor : XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CAVALRY PORT ( Original Creditor : XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, and  XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: ADP, LLC
State: GA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
On Monday XX/XX/18 I ( XXXX XXXX ) tried to withdraw {$100.00} from XXXX in XXXX XXXX, Florida and after three attempts from the ATM, it did not disperse and money, but yet showed that the transaction was completed. I went inside the bank to inform the tell, and she said that there was nothing they could do except contact the card company. 
So I called the card company ( Global cash card ) and they said that the only thing I could do was to file a claim, which would take up to three weeks. I explained to XXXX at Global cash company that I was in XXXX XXXX on business and I would only be there for a few days and the {$100.00} was for food, but it did seem to matter. 

XXXX XXXX manager name is XXXX, his ph # XXXX XXXX XXXX Global Cash Card ph. # XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had a car on my credit report paid off. I did not file bankruptcy on the car. The company is refusing to show paid off. The put paid off through bankruptcy. I sent the letter to the credit bearu to show the car was paid off but they did not change the report. This is causing my score and car credit history to be low and im paying a higher interest rate.

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 2018-05-02
Company: Coinbase, Inc.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2018 coinbase locked my account out. Its now been 5 days and I have contacted them numerous times just to be given the run around. I have {$1600.00} i sent over to send to my bank and they decided to lock my account out to where i cant even send the bitcoins back to my original wallet. Please help as coinbase has scammed me!!!

Company response to consumer: Closed with explanation