BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
My name is XXXX XXXX XXXX my Address is XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX phone # XXXX the las 4 digit of the credit card is XXXX I applied for above credit card and there was a balance transfer promotion of 3 % so I took advantage and transfer {$5000.00} and the bank changed me {$150.00} upfront which is normal I always do that with them for the past 10 years I always called an agent when doing balance transfer but this time because of the pandemic is very hard to reach an agent so I did it online which also did it in XXXX XXXX without problem, after three months keep payment and balance almost looks the same so I checked my statements from three and I saw the keep charging me interest which thats was not the deal so I reached out to them and the said it was direct deposit which I never did that so please I need a help to dispute this which is about {$230.00} with in 3 months because of this I have to get another loan to pay {$4000.00} to the account last week which is disappointing and painful and stressful.so please I need your help 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 monetary relief
Consumer complaint received 2022-01-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX Chase locked up my checking account. I had my XXXX money in there for my family around 3950.00 I was not able to get money out or purchase anything with my debit card. I called chase that night after 3 hours on hold I was told from there fraud department that I was not allowed to bank with them and they would send me my money back in 10 days. Not only did they lock up my checking account but my XXXX credit card through Chase is locked up and I can't see anything on my app my balances can't make a payments nothing they are going to ruin my credit. Well I call back the next day after 2 hours on hold I was told it was something to do from a XXXX incident with Chase. I banked with Chase from XXXX to XXXX I was kicked out in XXXX I was selling a boat somebody sent me a check I showed the check to the teller and she called the bank and confirmed it was a good check I deposited the check somehow it worked in reverse I called the bank as soon as I found out they stopped it the next day it happened again it worked in reverse somehow I called the bank they locked my account they said they would get back to me and the next day they got back to me and said I can no longer bank with them so they sent me my money back in XXXX so in XXXX of XXXX XXXX offered me a credit card I got approved for the credit card that is offered by Chase bank also they were sending me promotions through Chase bank to open up a checking account again I did three or four months went by everything 's been fine the day before XXXX they locked up my account they will not tell me why or give me any reasons. I have done nothing wrong they put immense amount of stress on me they are ruining my credit I can't make my payments please help me thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-29
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
In XX/XX/XXXX, my then fiance and I got a home loan from XXXX. It was a 7 year, interest only loan, with escrow for taxes, homeowners insurance. XXXX XXXX XXXX took over the loan in XX/XX/XXXX, I think. The paperwork only had my name on the loan. I brought the original court stamped documents to The mortgage department of XXXX XXXX XXXX. They refused to correct their mistake. Fast forward XX/XX/XXXX.  My fiance and I broke up. I hired an attorney because my now x who was still living in the home refused to agree to sell the home. And split the equity. We went to mediation, where, upon my moving out, I would get {$20000.00} and he would attain his own mortgage within 6 months. I had put a $ XXXX down payment on the home, but agreed to the $ XXXX just to get away from him. In XX/XX/XXXX, the loan converted to an arm. Homeowners insurance with Florida XXXX was part of escrow. Each year, from XX/XX/XXXX to  XX/XX/XXXX, the annual homeowners premium increased and XXXX XXXX XXXX never increased the escrow. I requested an annual annalysis. Instead, after they paid the shortfall for the insurance, XXXX XXXX XXXX began reporting the mortgage payments as " late ''. That continued to be reported on my credit until XX/XX/XXXX, when the home was sold by his family XXXX year after his death. Oh yes, and 1.  They never told me he died, and 2. They stopped paying the mortgage after he died. In XX/XX/XXXX, his son paid the back mortgage. XX/XX/XXXX, the home was sold, for a profit. I received an additional $ XXXX. Here is the rub. In public records, it shows the mortgage was satisfied. In both of our names. By XXXX   XXXX XXXX. I am trying to fix this misjustice. My credit is under XXXX. 3 years of late payments on a mortgage!. My lawyer couldnt help me, except I paid two lawyers over $ XXXX to help prevent these issues. My x should have done what he aggreed to, get his own loan. He honestly could have bought the property outright. XXXX XXXX XXXX should be responsible for this. I paid a 7 year interest only loan. Over $ XXXX. With the arm, and with the escrow agreement, they were obligated to increase my escrow so there would not be a shortfall. Please tell me what can I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, OH XXXX AXXXX XXXX  Opened : XX/XX/XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$470.00} XXXX  XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
A few months ago I noticed a charge on my XXXX card that was not authorized by me and it was done on my XXXX card from my cellular phone towards XXXX, a travel booking website. I have been having fraudulent issues which XXXX is aware of because I had to close all of my authozied user cards recently and reverse foreign transactions. When I noticed this travel booking I diputed it with XXXX but was not successful and was told I had to call my credit card company. Someone has hacked my emails, credit cards and telephone and was making nonchalent purchses to see if the card was working and open and then they would go ring it up at various webistes and stores. I am not sure what the fraud is or was but a lot of my crads have been compromised and all of my emails had to have new passwords set up. Our building has had endless mail theft and brake ins and my XXXX XXXX XXXX bills were also stolen, leading me to believe my cellphone was compromised and apps used on other devices tgatbused my login for XXXX. Who ever this is they have damaged my life for the past 8 months and XXXX is WELL aware of this and yet they have denied my refund! I am truly appaled at their horrible lack of sensitivity to my stress and ashamed that between the thousands I spend and pay back montgly they are refusing to believe me when I say my XXXX, mail and emails have been hacked as have my authorized user cards and apparently mine as well. We have police reports which I am happy to send but must obtain from our Homeowners associateion which can take weeks to mail out. Im just shocked at how awful XXXX and XXXX  are treating me! If my {$370.00} is not refunded I am prepared with all documents and prooof to sue XXXX and XXXX immeidtaley. Shame on them for all the stress they are putting me through I deserve far more! I am a loyal and great cutsomer and have fallen into the hands of thieves and they could care less. Also, the documents and evidence they have mailed me from XXXX are terrible and not legible at all! I have attached everything to this complaint. Please reprimand XXXX and XXXX and investigate their unfair and scandlous actions against me. I cant imagine thinking I have to pay this!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: Credit Bureau Collection Services, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of XXXX, I received a letter in the mail from CBCS stating that I owed a {$4300.00} bill for XXXX XXXX of XXXX. I immediately called to dispute the claim. I let them know that the bill could not possibly have been mine because I left XXXX when I was XXXX years old when I moved to XXXX to attend school. I have also spent the past few years abroad, and in fact XX/XX/XXXX was the first time I opened up a utility bill account under my name in the United States. I also let them know that I am currently disputing another fraudulent account that was taken out under my name while I was living in XXXX XXXX in form XXXX-XXXX. They said that they would send me paperwork to fill out so I could file the account as fraudulent. In XXXX, after a month of not receiving anything, I called them again. They said that they had " mis-written my address '' ( although they had been sending me letters to collect the amount they claimed I owed ), and that they would send me the packet so I could file it as fraud. A month later, today, XX/XX/XXXX, they sent me a letter saying I still owed the full amount. I tried to call the number that they listed in their letter ( XXXX ), but it was just infomercials, with another number to call at the end ( XXXX ). This number also just lead me to more infomercials and when I refused the " free trip '' offer, it hung up. I called their offices, which were closed and left a voice mail. I strongly believe that this company is giving misleading information and faulty numbers in order to drag out the 30 day period they claim to give in order to legally come after me, even though this is a fraudulent charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-29
Company: Monterey Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have reported this before on this site and it continues to be closed without them answering my questions. Monterey financial has violated the fdcpa! They have given me the wrong amount twice over the phone and the calls are recorded. I have ask for an agreement to be made on settling this account and they refuse to accommodate at all even though they have lied. They are reporting missed payments and threatened me multiple times that if I dont give them money immediately that they will send me to collections. These threat were given to me after I told them that I read the contract myself and I know that I dont owe them XXXX   dollars and I actually owed XXXX. They have responded saying they never told me XXXX even though the last time I spoke to them they said that the people gave me the wrong amount by accident. I dont want them to send me the dates I signed a contract or lies that they never told me that, what I want is for someone to contact me about finally ending all of this once and for all

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: EQUIFAX, 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:
XXXX XXXX - This account is not mine. They have been billing me and I made payments because I do not want to mess up my credit. I have called them numerous times to demand validation of the said account and get the account closed but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I have requested multiple times for verification of the said account which is reporting on my credit. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation as this inaccurate account is being reported in my credit records and is hurting my financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX  made the statement in their response dated XX/XX/2020 that " You received benefit from this transaction " which is a false statement. I never received any benefits from XXXX XXXX in any form. The company XXXX XXXX was shutdown by the Federal Trade Commission.

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 2019-06-12
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
XX/XX/19 a personal loan, account # XXXX from the american express national bank for {$14000.00} was sent to a XXXX XXXX  account that had closed earlier. the funds were returned to American Express and a new loan was to be issued. being a member for 31 years, never a problem before Then XXXX broke loose! my amex account has been suspended for non payment of this loan. credit rating severely impacted Because ... a third party involved in processing payments and refunds lost track of {$14000.00}!! 
American Express accepts blame for something that should never have occurred, BUT say it will take 7-10 days to clear my name, and possibly my credit score won't return to previous level. 
this is another online banking sham, ask XXXX XXXX, they are the pro 's

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Transunion is the only bureau reporting a couple erroneous collections that are not valid. THese were all paid by my insurance company and should have never been on credit. 

2 are for XXXX XXXX XXXX & XXXX & XXXX XXXX - XXXX I have previously disputed and filed complaints and nothing has been 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 explanation
Consumer complaint received 2018-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The following XXXX XXXX XXXX credit card account/Card : XXXX through the XXXX XXXX XXXX  is lost/stolen, has fraudulent transactions on the account and the account dont belong to me. The account is fraudulent and i never applied for this account. The account is fraudulent and unauthorized.

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 2019-03-29
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: Information belongs to someone else

Complaint:
I reached out to you guys on last year regarding some items on my credit that were not mine. There are still a some items that are not mine and needs to be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reached out to the FTC and local police regarding this. I am doing this on my own 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 2018-08-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
There was an accident reported that I was at fault. It was a hit and run. I avoided hitting another by hitting the curb instead no way to avoid. 

I was applying for a job and they did a background check and denied me the position because of that.

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 2021-09-22
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Tuesday XX/XX/XXXX : My wife receives notification of a Chase Fraud alert for a {$460.00} charge at XXXXXXXX XXXX in XXXX  and {$210.00} at XXXX XXXX ( She was on vacation in XXXX, I was at our home in XXXX XXXX  ). Her purse was stolen out of our car at the XXXX in XXXX XXXX and the criminal had our credit cards and her ID. Law enforcement was engaged and police report XXXX. While police and wife were engaging in XXXX, I was at the local chase bank here in XXXX, XXXX  closing accounts and getting cards reissued ( 2 hours in the local branch with my XXXX XXXX XXXX daughter ). The associate also had chase fraud on the phone. I was sharing information about the case with chase fraud/associate that my wife was providing to the law enforcement. ( Sheriffs name, camera footage from the hotel where purse was stolen, etc. ). During this time, the thief tried charging an addition {$1200.00} at a XXXX which was denied by chase fraud. 
I have engaged XXXX XXXX who is the VP of the branch bank in arizona at XXXX XXXX XXXX location . He knows me and knows that I was in the bank that day dealing with this. 
To date XXXX : Chase has denied to refund these charges even though I have asked for 3 reviews ; I have provided the police report number, asked them to pull cameras or audio details from the day it happened, asked them to consult their VP of the local branch to confirm my identity and the incident ... ..all to no avail. We had an HSA card from a different bank that was stolen and used and this was taken care of in 7 days with no issues. Not sure why the largest bank in the US does not offer the same security.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX is the worst business ever. 
they put negative information about my account, that i am late 30 days i wasn't aware of the information. and i did a mistake for not noticing but they failed to inform me that there will be any negative on my report, they failed to contact me, through email, phone or mail this is my rights under FCRA, SCRA, i am XXXX XXXX XXXX " Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. '' and " You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment - or to take another adverse action against you - must tell you, and must give you the name, address, and phone number of the agency that provided the information. " they say they try to contact me many times, which never happen and they refuse to show me any email or mail letter to confirm they reached me or even phone log, i only received one letter to tell me i have negative payment going to the report i asked to show anything to verify they reached me personally, they refuse. 

my only problem, is their own collection department : -do n't care that i am SCRA -refuse to show that their information is verified -add more information without my consent on my report ( 30 days late, and note that i didn't like their investigation ) -delayed my process -never answer question -refuse to understand that sometimes accidents happen -acting like their system is 100 % error proof and no way that accident happen and i wasn't informed -refuse to work with any negotiation -refuse to minimize damage -failed to inform me with any issues so what is their job exactly?

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