BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America closed our bank account with no warning. Now they refuse to give us our money till everything is done. That date is XXXX. We have no money and my husband gets paid once a month. Stressed out to say the least

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 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 disputed these student loans with the credit bureaus and XXXX. These student loans have late payments attached to them that are inaccurate. The student loans have been being marked as late during the pandemic when there has been no payments due during the pandemic. I have been disputing this with the bureaus and XXXX for three months and it has been coming back verified with no explanation. XXXX knows that there has been no payments due during the pandemic they refuse to resolve the issue and this is causing detriment to my financial state. 
These accounts are also reporting inaccurately and differently across all three bureaus.

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 2019-08-15
Company: JPMORGAN CHASE & CO.
State: UT
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:
On XX/XX/XXXX, Chase closed my credit card accounts unexpectedly. I tried to use the cards for ordinary purchases that day and the next, without success. I soon received a letter stating that my cards were closed for 2 reasons : sudden increase in spending, and accounts not used as intended. Reason number 1 is no less than fraudulent- I have been a Chase cardholder for almost 10 years with perfect payment history. I have used the card fro large auto repairs, remodels, and vacations. My recent spending has been no different. The second reason is unfairly vague. In speaking with customer service, the representative rudely and vaguely stated that the Bank " frowns on '' the use of my credit line for Authorized users in credit repair business activities. He could not tell me that my activity was against my cardholder agreement, but stated that by his review, the accounts would remain closed. The explanation provided by the letter is unfairly vague and his decision referred to no literal infraction of our agreement. I feel that the account closures are unlawful. I have been an exemplary customer and I have an 800+ credit rating. The Bank 's actions do me harm in closing 2 of my lengthiest credit lines in my credit profile. I will be seeking legal advice regarding recourse for damages and credit lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Messerli & Kramer P.A.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, This is XXXX I had an unpaid XXXX credit card I tried to work out with XXXX unfortunately Messeri and Krammer got my unpaid credit and they garnished my wage I never refuse to pay but, I asked for an affordable monthly payment to they refuse to negotiate with me i won't be able to survive by losing 25 % of my income every week I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
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:
My name is XXXX XXXX XXXX and aim a XXXX. I moved from XXXX XXXX to XXXX in the early XX/XX/XXXX. Later that year, i meet a guy by the name of XXXX XXXX. XXXX was a inspiring XXXX that wanted to get into the music industry. He's been rapping at an early age. When i meet him he was about XXXX. He mentioned that he knows the music industry very well and have major connect with big names in XXXX. He mentioned, he has two music promotion companies, beside just rapping. His promotion company promote artist work, which the artist pay for. He mentioned that, i should invested money in his talent and that we can take it to XXXX to get a major record deal. The music industry was something that i was passionate about, since i was young. The idea felt interesting. We later flew to LA and he introduced me to one of his major connect in XXXX name XXXX XXXX. XXXX mentioned that he's a major player in the music industry. XXXX showed me pictures and videos of him and every artist that you can think of. I seen him with pictures with XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX . I believed him. He mentioned that he can develop XXXX to a major artist and get him sign to XXXX XXXX XXXX for {>= $1,000,000}. He mentioned he can develop XXXX and another artist name XXXX XXXX to major artist caliber and get them sign for {>= $1,000,000}. A few months on another trip to LA, XXXX brought us to meet XXXX XXXX at XXXX XXXX XXXX office. XXXX was the XXXX XXXX XXXX at XXXX XXXX XXXX. XXXX, confirm to what XXXX was telling me. XXXX and XXXX mentioned i had to invest {$150000.00} to develop these two artist. They mentioned each artist will cost {$75000.00} each to develop. A few months, i agree to make the deal. I gave XXXX and XXXX access to my business account. The access was for up to {$150000.00}. These guys went swimming in my hard earn money. They went to exclusive star studded parties, driving around foreign cars, eating at the finest restaurant, wearing clothes and jewelry brand, i can't even pronounce. They scam me out of over {>= $1,000,000} from XXXX. The worst part is clowning me and torturing my family and i. I'm left with nothing. I lost my business, house and wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Discover raised my APR several times in the last year without notification and without cause. It was originally 12.99 % and is currently at 17.49 %. When I reached out to Discover, I was told that notification is provided in the XXXX XXXX XXXX and that Discover doesnt directly notify the customer of such changes. The conversation took place on their app via chat ; snapshots can be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My employment certification hasn't been updated, processed, or corrected since XX/XX/XXXX though I have submitted the PSLF form several times and been asked to resubmit due to missing information ( that was not missing ). The last time I submitted this form was XX/XX/XXXX. I have called and been told that no employment would be certified until repayment starts which is false since that has already happened and nowhere in Fed Loan Servicing 's literature is such a claim stated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope you are doing well as I write this. I'm writing to express my worry about the recent late payments made to my credit card company. I sincerely ask for your help in reviewing my account and appreciate your quick attention to this subject.

Over the past few months, I have experienced unforeseen financial challenges that have impacted my ability to make timely payments on my credit card. I take full responsibility for the late payments and understand the negative consequences they may have on my credit history. I value my relationship with the Credit Card Company and have been a loyal customer for years. 

CAPITAL ONE XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or a CAPITAL ONE customer service representative. 

I am reaching out to request your understanding and consideration in removing the late payment entries from my credit report. I assure you that this situation is temporary, and I am actively working to improve my financial stability. I have taken steps to address the challenges I faced, and I am committed to ensuring that my payments are made on time moving forward. Thank you for your understanding and cooperation. I look forward to hearing from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Please be advised that this is my THIRD WRITTEN REQUEST asking you to remove the unverified accounts listed below that remains with your company as owed, in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed owed to your company. 

Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. Before account was handed over from asset acceptance Ive requested for account XXXX to provide accurate documentation of validation of debt that Ive failed to receive, as well as this information was requested with your collection representative XXXX XXXX along with account XXXX. I was informed that this information doesnt need to be provided because a judgement was already in place. As a consumer it is my right to receive validation of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: Zenith Financial Network Inc
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I keep getting calls from a Zenith Debt Management. They tell me to log into the Website to view my balance and make a payment but I don't know if they have a legitime claim to the debt or if they were working on behalf of my creditor. There is no place to dispute it, and when I close the page for that lack of information I get texts from them asking me why I didn't. 

At one point I told them I wasn't sure if the debt was legitimate, and they told me that because I verified my info to view the debt it was. Now because I couldn't verify the debt they're threatening legal action against me.

Company response to consumer: Untimely response
Consumer complaint received 2022-12-12
Company: EQUIFAX, 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'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$710.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

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 was writing to inform you that there are still items are my credit report that are not mine XXXX, XXXX XXXX XXXX and XXXX XXXXXXXX. Please help me to get these items removed from my credit report .I have already contacted my local police and the FTC . I'm 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 2023-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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 am a victim of identity theft. The some information listed on my credit report does not relate to the request I have made on my behalf so those items should be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient is a rate reduction offering to lower interest in loans. XXXX Ive asked countless times, Can anything else be done to lower my payments? they say No repeatedly, when that is not the truth. I found out about the rate reduction option through several articles online. An option for an interest rate reduction should be disclosed when people ask.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: CCS Financial Services, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter from Credit Collection Services out of XXXX VA, about a medical debt. The creditor was XXXX XXXX XXXX. It had my correct and rather new address. The bill date didnt make sense to me because i havent had lab work done in a year or so. Also, the Dr that ordered the test, ive never heard of nor been to see before. I called CCS and they said it might not be the doctor you saw but could have been a doctor in the office that makes the orders which sounded fishy. He also said i had already paid them twice for lesser amounts and gave me the dates ( which i don't remember ) So i told them i would look into it more, and if i felt i did indeed owe them the money i would pay online. 

I then spoke with XXXX XXXX for a full half an hour as they tried to track me down as a patient. ( side note : there's not a XXXX  lab within XXXX miles of me, and once i tracked down the Dr who ordered the test was located about XXXX miles from me ). After speaking with XXXX, they told me to rip up the letter i received from CCS as this was not money i owed and i wasnt even in their system to begin with. 

So i called back CCS, and they wanted payment once again, and when i told them i spoke with XXXX and they couldn't even find me in their system as a patient, they told me they would remove my phone number ( whatever that means ). When i asked if it would affect my credit negatively, the lady just repeated that she would remove my phone number from her system and ended the phone call. 

Considering they don't even have the correct person, I am curious how they got my new address and phone number to begin with.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Sent a dispute on XX/XX/2019 requesting validation and hearing regarding a letter I received from PHEAA threatening garnishment. I received a response back on XX/XX/2019 with proof that the debt is not as much as being reported on all three credit bureaus. PHEAA is reporting my balance as {$55000.00} I received a statement only showing {$29000.00} and that amount I do not feel I owe. No printout of interest, no breakdown of classes I had taken showing why my balances are {$29000.00}. My credit report is not accurate, and I requested correction a fair hearing to make the adjustments as necessary. ( This account is for the Puerto Rico division only ). 

Also, in my letter I sent a request to no longer contact me by phone and I'm getting constant phone calls still by personal. Violation of Cease and desist as given in my last letter. 

Please see attached letters to this file. 

POA on file for my acting agent, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXn New York 1XXXX Email : XXXX Date : XX/XX/2023 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: CAVALRY INVESTMENTS, LLC
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 keep getting collection letters and calls after sending identity theft affidavit & police report disputing this item as identity theft/fraud. Letters have been sent to XXXX, XXXX and Cavalry ...

Cavalry now seems to have sold the debt to another collection agency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Please note that Chase Auto Finance has reported me late and delinquent in XX/XX/2018 which is inaccurate and false. I have always maintained my account current and in good standing for the extent of my lease. When my lease expired in XX/XX/2018, I  extended my lease. In doing so, Chase created a chain reaction of misapplying payments and therefore reporting me as late and delinquent when that is not the case. As soon as this was brought to my attention, in XX/XX/2018 I reached out to Chase to try to resolve the issue and I have been attempting to do so with them since but the matter is still unresolved. I am kindly asking that the Late/delinquency reported in XX/XX/2018 be removed as it is inaccurate and negatively impacting my credit rating significantly. Attached is a history of payments which clearly shows the appropriate amount of payments were made in the appropriate amount of payment cycles. If there were any issues, they are due to Chase 's payment application discrepancy and/or billing notice disruption at time of lease extension. For all these reasons, it is unfair for me to bear the brunt of the repercussions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: EQUIFAX, 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:
there is no sufficient information to support Equifax 's claim. I have no financial obligation to these companies. I disputed this information last month but not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX  XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX  ) XXXX, XXXX/XXXX  ( Original Creditor : XXXX  ) XXXX, XXXX/XXXX ( Original Creditor : XXXX  ) XXXX, XXXX/XXXX  ( Original Creditor : XXXX  ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX  ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX   XXXX XXXX ) XXXX , XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX,

Company response to consumer: Closed with explanation