BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-27
Company: CITIBANK, N.A.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Voice mail left for me today, XX/XX/XXXX @ XXXX XXXX  CST. Voice mail clearly threatens legal action via a civil claim for a debt. This company has called me multiple times and I explain each time : 1. Not my debt 2. If it were my debt, it is outside of judgement time period 3. It is illegal for them to continue to call me and threaten me. 

At XXXX XXXX  CST today, XX/XX/XXXX, I returned call and spoke with Ms. XXXX. She said debt was for a Citi card. I explained I did not have one. During call she said debt was from XX/XX/XXXX. She said she would refer it to their attorney and they would come after me and then hung up on me!

This is NOT my debt AND there is no signed contract by me for the debt.

Based on your own time tables, this debt is OUTSIDE of the statute of limitations for legal actions and judgement in the State of Iowa.

It is a violation of the FDCPA to threaten a consumer falsely.

Whatever contract this is is NOT valid, and it is NOT enforceable.

Try to take me to court ... I will counter and the only funds paid will be from you to me.

DO NOT CALL ME.

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 2023-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I get charge a monthly fee every month for XXXX since I opened an account they said they would charge me if I couldnt get atleast XXXX a month into bank account which I have always done

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-21
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/21 I met up with someone to purchase a product in the amount of {$200.00} with XXXX, which always goes through almost instantly. This payment was authorized for that day, not the following day. The person claims they didn't receive the first payment. So I went a head and did another XXXX payment which went through immediately. The next day it shows 2 payments went through.

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 2018-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX  and Transunion are violating my rights as a consumer by ignoring my disputes. I have been fighting these credit errors for a year now and sent in several disputes regarding a bankruptcy that is not mine and items/old accounts that have been paid but not removed nor updated. I've called and questioned there verification methods for the bankruptcy and the representatives can never give an explanation. I've spoken to reps at Transunion several times and they tell me " ok mame we'll remove the bankruptcy '' but when my report updates the following 30 days its still there. My credit score has hardly budged in months and my credit report does not even have as many delinquent accounts as other consumers I know and there scores are higher than mine.

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 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2021-07-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Hello, I feel very strongly that my Complaint fall under Sperry and Hutchison Ruling. My problem started in XX/XX/2018. However, I did not look at my Statement for a Year, which, when I did, I then notice 2 APR..1 for 13.24 % and another for 14.99 %. I called Chase Customer Services ... I ask why am I Paying 2 APR, they informed me that The Part Of The Credit Card Company had been Sold/Brought Out. And I was gon na be paying the Amount owed on the Original Purchases and a new APR on all new Purchases. I told them this was Immoral and very Unethical, as I had not asked for a Credit Increase Or A Second Card, because the 2 APR was equivalent to 2 Credit Cards. I called 3 times abt this matter. I was upset at what happened to me, but I did not think I had any recourse but to accept what had been done. Then about a Month ago I heard some one talking about Federal Trade Commission and for the first time I felt I had the opportunity to see justice done or at the very least to address my concern and see justice applied.

I appreciate that you will do a through, Just and Fair Investigation into my Claim against JP Morgan/Chase Bank Credit Card..Chase Freedom. 
I look forward to hearing from you regarding my Complaint. You may reach me XXXX if you should have any questions. 
Respectfully Yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23
Company: Paypal Holdings, Inc
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
On XX/XX/XXXX 3 charges {$100.00} each were posted to my account.

I reported charges as unauthorized.

My claim was denied without any reasons stated.

When I request a charge, an e-mail is sent to me within minutes.

This time no e-mail messages were sent, this indicates an inside job.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-12
Company: ARS National Services, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was making regular payments to ARS National Service for a debt collection on a XXXX XXXX Credit Card. ARS lost the account and XXXX XXXX hired a new collection agency, XXXX XXXX XXXX   per their letter dated XX/XX/XXXX. The balance due according to XXXX was short by {$200.00} for the last two payments made to ARS National Service for the XXXX  XXXX account on check # XXXX dated XX/XX/XXXX and check # XXXX dated XX/XX/XXXX. Both checks cleared my account, which should have brought my balance down to {$5400.00}. I wrote a letter to XXXX on XX/XX/XXXX, informing them of this error. They never responded. I wrote a second letter XX/XX/XXXX and copied XXXX XXXX. I included copies of my canceled checks XXXX and XXXX. On XX/XX/XXXX XXXX XXXX sent a letter requesting that I call them. On XX/XX/XXXX they only acknowledged payment up to XX/XX/XXXX, but make no mention of the two subsequent payments on check # XXXX and # XXXX paid to ARS National Service. On XX/XX/XXXX, XXXX XXXX sent a letter requesting that I contact them via phone. They called me on XX/XX/XXXX per the attached copy of my cell phone detail for the incoming call. During the course of the conversation, XXXX XXXX acknowledged that ARS had received and cashed checks # XXXX and # XXXX in XXXX and XXXX respectively. They told me that ARS had refunded me but I informed them that I HAD NEVER RECEIVED A REFUND FROM ARS. XXXX XXXX then proceeded to tell me that I had to " DISPROVE '' that I received a refund by submitting a copy of my bank statements for the two months in questions. HIPAA laws not withstanding, I refused and asked that XXXX XXXX or ARS provide proof of refund via copies of THEIR canceled checks just like I did to prove payment ( which of course they can't provide because I NEVER received a refund. ) XXXX XXXX recorded this conversation for " quality control purposes '' and if two party consent is needed, I hereby give my consent via this claim for CFBP to retrieve an audio copy of the conversation. I can also provided a notarized affidavit attesting to what was said during this call bertween XXXX XXXX and me. XXXX XXXX followed up with a letter the same day, XX/XX/XXXX, reiterating that my balance was for {$200.00} more than my payments reflect. I don't know if there is a sweetheart deal or going away present that XXXX XXXX gave to ARS via my XXXX and XX/XX/XXXX payments. All I know is that ARS needs to forward the two payments to XXXX XXXX or issue a refund for {$200.00} to me. I have set aside {$800.00} for payments from XX/XX/XXXX to XX/XX/XXXX and am willing to escrow this amount with a government agency until the issue of the theft of my payments is resolved. I have attached all pertinent documents by date order.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Experian Information Solutions Inc.
State: WI
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:
Accounts not mine, sent a Identity affidavit.

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 2018-12-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
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 customer service

Complaint:
hsbc sends me letters stating they have sent me a check for the balance on my closed credit card, i never received any check

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
After reviewing my credit report I noticed several negative items on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Hello, I had two late payments on my Capital One Buy Power Card back in XX/XX/XXXX when I was going through some financial difficulty. I made the payments as fast as I could, within 60 days. These two late  payments are now hurting my credit when I apply for a mortgage. I called the company and spoke with a manager but they are being unreasonable and will not help me with a goodwill adjustment on my credit report. I have made on-time payments ever since XX/XX/XXXX and I recently paid my balance in full. Please help me remove these two late payments from XX/XX/XXXX and XX/XX/XXXX. 

Thank you! 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Aspen Yo LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX of XXXX my loan was with the company XXXX. During that time I was approved for a Forbearance program that would allow me to not make any payments for 180 days ( Document enclosed ). In XXXX of XXXX I started making my payments again ( Document enclosed ). I continued making my regular payments with the understanding from XXXX XXXX that forbearance balance would be added to the end of my loan. Since that time my loan was sold to Gregory Funding. They insisted they picked up my loan in XX/XX/XXXX it was delinquent and due for all subsequent installments even though I was in the forbearance program. For the past 5 months I have been trying to get re-fiance with XXXX XXXX. This process has been held because besides the amount of the loan of {$310000.00}, Gregory Funding is demanding an additional {$11000.00} for the forbearance balance and additional fees. XXXX XXXX specifically stated I would be charged any fees while i was in the forbearance program. Now Gregory Funding sent me a letter stating this " Mystery '' fee is due to when my loan was owned by XXXX in XXXX. My loan has been sold 4 times since than and this " mystery '' has never been mentioned by any of the other companies that owed the loan. I have researched Gregory Funding and there has been numerous complaints to the XXXX XXXX XXXX with customers complaining about this same situation once Gregory Funding got a hold of their loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 been battling with both of these accounts. I have reached out to the companies but i cant get anywhere with them. The following two accounts are not mines, and to the best of my knowlege i am a victim of identity thief.

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 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
TransUnion 's recent breach of contract should entitle us to freeze our credit for free. I can not believe they are trying to sell us their products and services when they clearly are legally and morally at fault for this. Credit freezes in this event should be free of charge.

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 2020-02-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello. I have repeatedly looked into a debt that a company is telling me I have. While I am currently working to resolve a debt I have with them ; another debt has popped up on my credit report for {$290.00}, and it is not my debt. I have only had one account with this company that I know of. I have tried to dispute through XXXX XXXX and have called the company as well. This has really affected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
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 fraud alerts or security freezes

Complaint:
I no have any account with 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 2020-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Disputed several times for verification of late payments from XXXX XXXX have not sent any proof to my disputes.

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 2022-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a letter in the mail from Bank of America indicating that an account had been opened in my name along with a debit card to activate. I am a victim of identity theft. I tried to resolve this with 3 different BOA reps on XX/XX/XXXX via XXXX. They make it virtually impossible to get a human being on the line. I was told by the first woman that an application had been filed on XXXX using my name, SS # and birth date. She appeared to want to help but put me on hold twice and then disconnected. Same thing happened with the second man I finally spoke to. Put me on hold after taking all my info and then disconnected. Drove to a local BOA branch and no human works there - only kiosks that have you push a red button and wait for a clock to count down to have someone appear on the screen except all that happened was the clock started over. Left in disgust. Called again and spoke to man # 3 - same drill. Asked him to take my home number down in case we got disconnected which of course we did. Now 2 days later still have not had a call back. Thoroughly unacceptable and I want resolution of this matter. I am attaching what I received and blacked out my name, fraudulent account number, address, etc. per the instruction on this site.

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 2022-07-20
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
in XXXX of 2021 an account was set up in error with Binance.US because of a scam. I deposited accidentally money into the account, I was able to cancel two transactions i the amount of {$3000.00} however there is still a {$190.00} credit in account that I've attempted to withdraw since XX/XX/2021. I've corresponded with Binance.Us via emal -- XXXX email messages and XXXX videos sent ( with same informtion ) as per instructions. The videos for some reason can not be heard by Binance I'm tired of fooling with support. I want to withdraw my funds so that I can be finished each time I send a new video and information support tells not a good format. I'm not sending another one. Apparently there is no supervisor to override the system. 
I've proven myself over and over, we are talking about {$190.00} good grief refund my money close the stupid account and get out of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This complaint is about XXXX XXXX. When they call numerous times a day, their phone number comes across as " Restricted ''. When I reject the phone call, they immediately call again, sometimes multiple times in a row. I have asked them to quit calling me and to send me correspondence through the mail, and they have failed. I have asked multiple times. The amount of times they call a day I would consider harassment. It is completely over the top. 

Here 's the call log : XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX- XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX I have more history if you would like, just let me know.

Company response to consumer: Closed with non-monetary relief