BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-04
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I am writing regarding my Commenity XXXX credit card. 

On XX/XX/XXXX, I paid off the complete balance on this card, which was {$63.00}. On XX/XX/XXXX, I received my new billing statement from this creditor. I was very amazed to see my new purchase charges are now {$310.00}!! The last time I used this card was early/mid XXXX, XXXX. I have not since, nor has anyone else, used my card. Understandably, I was upset, and called Commenity/XXXX as soon as I could, the next morning ; XX/XX/XXXX. I spoke with them and they canceled my card and opened a dispute. However, I was informed, the dispute could take 30-90 days. I am currently trying to purchase a home. My Mortgage Officer, as I just called him, can not give me the pre-approval letter I need for my home purchase until the dispute is resolved/closed. I can not afford to wait 30 days, let alone 60 or 90!!! I really need this resolved immediately and appreciate any assistance you can give. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: JPMORGAN CHASE & CO.
State: TX
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 have had a Southwest Credit card ( through Chase ) for over 7 years. Rarely do I keep a balance, never late or " maxed out ''. Recently, I added several authorized users ( which is allowed according to their policies ). I got a phone call from them to confirm that I authorized this and all seemed " good ''. A month later my accounts ( had an Amazon as well ) are closed. When asked why they closed my accounts they said that " too many '' accounts had been opened and the account was being used " incorrectly ''. I have " No balance '', the authorized users ( with the exception of one ) are under the age of 16, I have not recently opened any other accounts, they allowed me to add users, I have paid my bill consistently on time, I've had this account over 7 years ( in perfect standing ) and when calling to inquire I am put on hold multiple times, told to wait for the letter in the mail that will explain more as to why the account was closed and then, finally told that there isn't a manager available and someone will call me with in 24 hours. This closure was without notification has had a snowball effect. My credit is affected and embarrassment when attempting to make a purchase and the card is declined!!!! As of this writing no one has contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with renewal

Complaint:
Our 2 year CD expired XX/XX/2020 with branch closed due to corona virus. I called XXXX number and was assured bank default policy was to renew CD for the term of the expiring CD at the then current rate. I assumed the CD was renewed. At my next statement XX/XX/2020 I found out the CD was not renewed and placed in a regular savings account with minimum interest. I went to the branch manager to have the mistake corrected and he would not renew the CD for the rate in effect in XX/XX/2020 and make the interest payment retroactive to that date. He claimed the bank error could not be corrected, he could only open a new CD for the amount now in the account, without crediting for interest that should have posted since a XX/XX/2020 default renewal.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX the following accounts listed below has violated my rights. 

15 U.S.C. 1681b ( a ) ( XXXX ) states any consumer reporting agency may furnish a consumer report WITH the written instructions of the consumer to who it relates. 
15 U.S.C. 1681b ( a ) ( XXXX ) states a consumer reporting agency has to respect consumers rights to privacy. 
15 U.S.C. 1681c ( a ) ( XXXX ) ( XXXX ) states consumer reporting agency can not make any reports containing accounts placed for collection or charged to profit and loss. Any other information other than records of convicted crimes. 

Accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-05-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to the fair reporting act XXXX  account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602A states I have a right to privacy 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions

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 2020-07-19
Company: EQUIFAX, 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:
Credit bureau calculations when educational loan is paid off two months early. The score dropped 78 points. Im working hard, paying my bills, and watching my financial health. 
Consumers have the right to know the metric of the three major bureaus use. We have a right to know the triggers that have been set in their systems to increase or drop the consumer numbers. This data impacts everything. There should be more visibility into the process by consumers, transparency builds a great foundation and educates the people being judged correctly or incorrectly. 
I trust government oversight, as a public servant myself, I just want fair reporting and not be penalized for paying off accounts with firm begin and end dates. The system needs an overhaul.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Freedom Mortgage Company
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Freedom Mortgage XXXX # XXXX I received an insurance claim check on XX/XX/XXXX that was made out to both me and the mortgage company. I called Freedom Mortgage to see how to have them endorse it. 
Check # XXXX for {$4400.00} Check XXXX for {$9000.00} I was told to put the following atheization number on ( XXXX ) it and mail it to Freedome Mortgage XXXX XXXX Attn : Lost Draft Dept XXXX XXXX XXXX XXXX MI XXXX I was told it would take 3-6 business days to process it and it would be mailed back to me. 
On XX/XX/XXXX I had not received my check so I called and spoke with XXXX. I was told they had the check but it was not processed yet. At this point I had contractors scheduled to start XX/XX/XXXX and needed to pay them. I asked to have the checks overnighted. I was placed on hold, when XXXX came back he was unable to do this. I requested a call back from his supervisor. Was told it would be 24-48 hours for a call back. 

I had not received a call back, so I called Freedom Mortgage back. Spoke with XXXX this time and was told the check would be processed on XX/XX/XXXX. I asked for it to be overnighted again and to speak with a supervisor. Was told 24-24 for a call back. 

XX/XX/XXXX No call from a supervisor, Called back and spoke with XXXX. Told the check was not processed and that they had switched processing companies. Asked to speak with a supervisor, was told 24-72 hours for a call back. 

XX/XX/XXXX No call from supervisor, called back and spoke with XXXX Was told that the check were now " Under Review '' asked to speak with a supervisor. Was told 24-72 hours, but sent me to a voice mail XXXX XXXX? Left a voice mail explaining my frustration and needing a call back to expedite this matter. 

I really did believe this would be the easy part of process. Unfortunately, I have been given false, changing or useless information from the start. I just want the checks so I can pay the contractors. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: EQUIFAX, INC.
State: IA
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 MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT DONT THAT BELONG TO ME. ALSO WRONG OLD ADDRESSES THAT NEED TO BE DELETED, A LETTER OF EXPLANATION IS ENCLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: PNC Bank N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Good morning I am very disappointed with pnc and already closed my account by phone XXXX XXXX. 
I v called your bank in XXXX XXXX at XXXX LT in order to pay my credit card and took so long and I hung up the phone. 
I called again another number and I paid my card. 
Then I received a text message regarding fraud asking me to call the bank. 
Then Ive called your fraud department and I ve explained the situation and after several questions in order to check my self, they hold my account.All my answers met the questions include the code by phone. 
I understand that it is for my security but even I answered all questions your fraud department hold my account and asked me to go to in person to the bank. 
I am overseas, how come. 
I am here for 5 months and I v paid my bill BEFORE with no problems. 
S facing this situation I asked to closed my account and he closed it. 
How come your bank closed my account if the PNC was not sure about my self. 
Does Not make sense? 

I have XXXX and XXXX  XXXX XXXX and I never had this ridiculous situation. 

I request a full investigation regarding this matter. 
Your bank take so long in pick up calls and they are very rude. 

I have the app but every month did not work out in order to pay and I had to call the bank and they usually said : Sory, We are having problems with the app Too many sorry!!!!! 

Thank you XXXX XXXX XXXX XXXX XXXX   XXXX XXXX Fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
This morning, XX/XX/2020, at XXXX XXXX  I got an automated call from Bank of America, telling me, that they want to collect a debt I should have on my credit card with them. 

This is one of the dirty tricks Bank of America has developed to steal money from unsuspecting citizens. And who better than to do that from the elderly. 

I am XXXX years old. About two months ago I got a call from Bank of America with a lot of promises too good to be true. I fell for it. You see : doing business over the phone is bad, because you have no time to think things over. They " bank '' on that. 
They sent me a credit card, which I destroyed and did NOT activate. 

Nevertheless they claim now, that I have incurred a debt of {$93.00} on this card, which they want to collect. 

If this is not Highway Robbery, I dont know, what is. 

I request herewith Bank of America to stop to bother me ( they call me at least twice a day ), cancel the credit card and the so-called debt and to stop at all with their dirty tricks. Shame on them!

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 2020-07-17
Company: ID Analytics, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
SAGE STREAM I applied for a credit card for XXXX XXXX XXXX through XXXX XXXX on XX/XX/XXXX. 
I had a card with them for years, but canceled it in XX/XX/XXXX when XXXX and XXXX XXXX cards merged. I did not receive credit for clothes I returned, so I canceled my acct since they were having so many problems while they were merging cards. 

I applied for a new card on XX/XX/XXXX. They refused to give me one. I have EXCELLENT credit. I called XXXX and XXXX XXXX  and asked why, and they said they could not tell me. They told me to call Sage Stream. Sage Stream said they could not tell me either, but would send me a letter. 

The letter of XX/XX/XXXX said, " We are unable to approve this application at this time because the information provided by the credit reporting agency has indicated that the applicant is deceased. '' I was concerned I had fraud, so I got credit reports from XXXX, XXXX  and XXXX. Everything was correct and my FICO is still very good. 

Sage Stream said that I should contact XXXX regarding my consumer file. XXXX said that they did not see a deceased statement on my file. 

Sage Stream refuses to help correct this information, so I am placing a security freeze on my account. 

Who is Sage Stream and why are they creating so many problems for people? 

Please take action and help consumers. 

Thank you! 
XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: Consumer Portfolio Services, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a AUTOMATED robo call from company that claimed to be '' COMSUMER PORTFOLIO SERVICES ''. I HAVE NO DEBT! THIS IS SCAM COMPANY. AND IS JUST ONE OF SEVERAL SPAM AND SCAM CALLS THAT I RECEIVE. THIS FAKE DEBT COLLECTOR PHONE # is XXXX. THIS OCCURED TWICE ON XX/XX/2021 at XXXX ; XXXX XXXX. I HUNG UP KNOWING THAT I HAVE NO DEBTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 a 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 nine 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 2021-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I had a " soft pull '' of my credit done by a lender that I am considering for a mortgage. Upon reviewing the copy of my credit report I noted an issue noted by two of the major credit reporting agencies. The reports state that one of the " Key Factors that adversely affected my credit score '' is that there have been " Too many inquiries in last 12 months. '' Who is pulling my credit to cause this? I have not applied for credit cards, cars, etc. I am very concerned about identity theft as a result in addition to being miffed about my credit scores being affected. 
Please advise.

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 2019-09-04
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I want to see if I could negotiate my debt. I have an account from XXXX XXXX that was originally for {$2000.00}. Now I am in collections for {$4900.00}. I want to see if I can negotiate to settle this debt. Any information?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My situation may be unique. I was not harassed by the debt collector. I actually called them to discuss resolving the debt I owed. The man on the phone made an offer to settle this debt, and I asked if I would receive confirmation prior to giving him my bank information the debt will indeed be settled for this agreed upon amount He would not offer that reassurance. My concern was that I actually had some sort of agreement, not solely verbal. He said he would send it out only AFTER my bank information had been given. An email would have sufficed for me. He spoke with his supervisor who stated only AFTER would I be given a written agreement for the amount agreed. I was concerned I would have no evidence this would have been settled for the amount agreed upon and contacted further. I was not asking to have evidence of " Paid in Full ' sent prior to the funds being sent, but a written agreement, brief, and even emailed for my own assurance a settlement amount. The customer service rep I spoke with stated he gets calls from customers like me all day long ... and clearly frustrated. We all have to protect our own interest, why would this be so complicated? The man stated to call him back when I am ready to settle this debt. I was. I dont think this is an unreasonable request. Do I have any recourse? In addition, the representative stated this debt leaves his dept by Monday, so I was feeling a heavy rush. I don't know where the debt goes from there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2023, I noticed an ATM charge in the amount of {$180.00} that was charged to my debit card on XX/XX/2023 in XXXX XXXX, XXXX When the charge was made, I was in XXXX, XXXX. After returning to the XXXX, I called Capital One to file a fraud claim. Capital One provided a provisional credit, then sent an email on XX/XX/2023 stating the claim was denied due to the assertion about the debit card possession and transaction information and the credit would be removed on XX/XX/2023. 

After receiving the denial email, I called Capital One to assess the reasoning behind the denial and request documents with evidence used to research my claim. The agents I spoke with said the claim was denied because the card chip and pin were used. I let them know that I was not in XXXX XXXX at the time the charge was made, and I had my boarding pass as proof. I sent an email with my boarding pass on XX/XX/2023 to prove that I was not in XXXX XXXX. My flight went from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX ( XXXX ). 

Even though I provided my boarding passes as proof, Capital One still removed the provisional credit on XX/XX/2023. I called again that day to check whether my boarding pass was used to reopen the claim and inquire on why I had not received documents of their evidence. I resent my boarding pass and requested the documents once again. 

On XX/XX/2023, I received an email from Capital One card investigations with an attachment stating they were standing by the denial of my claim and provided a screenshot of an excel spreadsheet that was illegible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Experian Information Solutions Inc.
State: VA
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 ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. XXXX15 U.S.C. 1681s
-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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