BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-22
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I feel like I was racially discriminated against because of my credit score. I had a {$1000.00} store credit limit with Sears that was decreased to {$750.00} last year but today, XX/XX/XXXX, I received an alert to my email that said my limit was dropped again to {$250.00}. I paid my credit card limit off into the 30 % utilization rate on XX/XX/XXXX. I paid {$450.00} leaving it at a remain balance of {$58.00} shown on my statement. I paid my bill under this balance to be under the 30 % utilize because I am working on my credit. I called Sear today, XX/XX/XXXX paying the remain balance of {$58.00} leaving the balance at {$0.00}. Also, I have a Sears Mastercard that had a limit of {$500.00}. I had a balance of {$470.00} that I paid off XX/XX/XXXX. After i paid this balance off, Sears reported to my credit paid off but also lowered my limit on this card as well to {$250.00}. On XX/XX/XXXX i checked my credit Sears reported my balance of {$470.00} paid off but them lowering my limit too {$250.00} on this card as well didnt approve my credit score as it should. They said based on my credit shown on XXXX they lowered my limit and would send something in the mail. But I applied for 3 new lines of credit too help build my credit when I paid there debt off and now my credit score dropped because of there limit decrease.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Reference CFPB XXXX, XXXX  claimed ( kindly see attachment page XXXX  para 2 ) XXXX representatives did not receive a POA and therefore could not process the claim. ( Kindly see attachment 2 page 1 ) Showing when the check was issued and paid. No transactions could not be done without a POA if needed! ( I was XXXX at the time and my spouse had a general POA ) Requested Date : XX/XX/2013 Transaction ID : XXXX Issued Date : XX/XX/2013 Voucher ID : XXXX Kindly see attachment, payment history showing balance due. If XXXX  did not receive the check until XXXX  XXXX as stated, why XXXX  payment history ( same attachment ) show payment received in XX/XX/2013?

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 2018-06-17
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
i sent a personal check to the united states treasury for XXXX for taxes on XX/XX/XXXX. the  check came back in my bank statement so i assumed the united states treasury received. on XX/XX/XXXX i received a letter from the united states treasury stating they never received my check. i called them on the XX/XX/XXXX and gave them the check number ect. apparantly the check was fished out of a postal mailbox and cashed at XXXX XXXX XXXX on XX/XX/XXXX. my bank is pnc and that is where the money was drawn from. i went to the bank and they have a fraud claim in. i went to the police and they made a report. i went to the post office and they have a fraud claim in. i contacted the us treasury and sent them all this imformation. meanwhile i now owe the treasury more with taxes and penalties, i have not heard anything yet and am i out this money or will the bank make good for this.? i still have to pay the treasury department. any imformation you can give me will be helpfull.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/2020, at approximately XXXX PDT, I attempted to get a copy of my free credit annual report but discovered I was locked out from getting such reports from the 3 credit reporting agencies. The reason for this attempt was I have reason to believe someone has fraudulently taken out a loan on my residence and I wanted to see if any loans show on my credit reports and if so, how much was the loan. I then attempted calling all 3 credit agencies. I was then asked four computer-generated questions to verify my identity. Questions involved answering questions requiring I give exact dates involving past credit accounts and financial transactions. Note : I'm XXXX years old and have failing memory and had no exact recollection of these dates. I was therefore told " I could not be verified. '' I was refused any further information regarding any loans on my home. I need help getting this information to prevent losing my home, if in fact someone has fraudulently taken out a loan on my home.

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 2021-07-10
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
LexisNexis removed a bankruptcy from my credit report with them that was properly handled by means of the FCRA laws. The bankruptcy was deleted on XX/XX/2021. I have the paperwork and have verified the deletion with the LexisNexis customer service ; however, my credit reports have not be updated and it's almost been 60 days, 58 days exactly as of today. They customer center representatives have not been helpful and claimed that they had ; file an additional dispute with another agency which is irrelevant. They claimed that they filed another dispute on XX/XX/2021 and did not properly explain why my credit report was not updated. The bankruptcy is preventing me from getting my student loans, caused me to be denied for several apartments, and period is hurting my credit. I have also provided additional paperwork to LexisNexis that they have not honored. I will included it in the documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: AppFolio, Inc.
State: NV
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:
On XX/XX/XXXX, I applied to rent a house in XXXX XXXX, NV with XXXX XXXX. After paying the {$85.00} application fee, XXXX XXXX XXXX hired AppFolio to do a tenant screening on me. I know my XXXX XXXX XXXX is XXXX with XXXX and so I applied after XXXX XXXX informed me she was looking for XXXX or better. A couple days later, my application to rent was denied. I now realize this decision was based on false information being passed on as if it came directly from XXXX. I have a membership with XXXX and am in contact regularly with that credit bureau. I received a letter in early XXXX from XXXX XXXX showing the tenant screening details from AppFolio , IncXXXX with a fraudulent XXXX XXXX not matching the XXXX score being reported by XXXX as of the date their background check was done. This hypocracy must stop. Consumer 's credit info is being verified and misued everyday by so called tenant screening and we are left to deal with the fraud!! I submit my formal complaint against both XXXX XXXX XXXX and AppFolio for providing false consumer XXXX XXXX data about me, and applying this score data while passing it off as though it came directly from XXXX ( per XXXX 's letter enclosed ). I have attached copies of XXXX 's tenant screening letter and a screenshot of XXXX 's actual XXXX score on my as of XX/XX/2021 to expose the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Aspen National Financial, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XX/XX/XXXX we purchased a timeshare with XXXX XXXX in XXXX FL. In XX/XX/XXXXXXXX XXXX of XXXX transferred our property to XXXX XXXX in XXXX FL. We did not want that property. We did a quick claim deed with XXXX XXXX in XXXX, FL and we did not own this property any longer. XXXX was also involved in this matter - they house points and maintenance for the properties involved. XXXX was sent a copy of the quick-claim did from XXXX XXXX at the time it was entered into files at the courthouse, so that dues and maintenance monthly payments were stopped. After numerous calls to make sure that this was taken care of - I again sent it to them in XX/XX/XXXX. They state that this was not sufficient to stop the dues piling up and that I still owe dues on this property for the maintenance. When they contact me it is usually the same voice and he threatens me to take me to court and make my life a living XXXX. He has said I was trash and he would make sure that this never falls off of my credit. I have tried to explain to him the whole story and he states that they have the quick claim deed but that does not matter to him. 
I need help getting this removed from my credit ... I have nothing else bad on my credit and there is no explaining to XXXX. I do not owe any dues - I do not own the property. 
We followed the steps we were told to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Bank of America said they charged the account {$230.00} in fees because " the ... ACH debit was returned unpaid because your account had insufficient funds. '' The B of A claim ID for the claim I submitted for the wrongfully withdrawn funds and imposed fees is XXXX. B of A will now withdraw the {$230.00} in fees that were temporarily credited back to me, from the account again on XX/XX/2021. 

The problem is I did not authorize the ACH debits on that account and the wrongfully taken funds were therefore returned to the account by B of A ; at least for now. However, B of A insists on charging me fees because I did not have enough money in my account to pay the wrongfully withdrawn money! I should not be forced to pay fees because a third party wrongfully withdrew money from my account without my knowledge or permission.

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 2018-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
Hi, I've tried several times over the past few weeks to log into my account on both the Bank of America website and mobile app. My user name and password were correctly entered. Without fail, I receive the following error and am unable to log in : " Online Banking is not available to you at this time. Please call us at XXXX. '' I put off calling over this time because I work 60 hours a week and I expect long call times with them, as that's what I've experienced in the past. I'm calling today, Saturday XX/XX/2018. The automated recording apologizes for the " longer than usual wait times '' and thanks me for waiting, but it's currently been one hour and ten minutes and counting that I've been waiting. It seems BOA may be making it extremely difficult for me to log onto my account to pay my bill to force me into a late payment, which results in fees for them.

Unreal.

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 2021-07-10
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
LVNV Funding/Resurgent XXXX XXXX XXXX XXXX, SC XXXX Resurgent XXXX XXXX XXXX XXXX, MI XXXX LVNV Funding/ Resurgent Account Number : XXXX These are apparently the same company. They both filed two times on my credit report claiming I own " care. '' {$960.00} This action originally occurred in XX/XX/XXXX. They placed it with " collections ' on my credit report. They never complied with the law and validated any information and alleged debt with me. I continued to try and make contact with them via phone and via mail, with negative results. They will not communicate with me. In XX/XX/XXXX They placed this on my credit AGAIN via collections without my knowledge. They stated this account was opened in XXXX of XXXX. This is Clearly Not True. I have not opened any accounts for years. I am continuing tryin to make contact with both these " companies '' but fail every time. They will not communicate with me. When I asked them for validation, they never replied. They just took it upon themselves and placed it for collections on my credit report. This has been so frustrating to me. I have had all credit bureaus make contact with them and they claim these companies allegations were true. They are not. How can I fix this. They are making my credit report terrible and I do not owe what they are saying on my report. They are falsely claiming I opened this account in XX/XX/XXXX when originally they claim I opened this account XXXX. I need some help please. Thank you They are clearly scams to get money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
LVNV FUNDING LLC - Company has no legal contract with me. They have failed to validate the debt & have agreed to remove it in place of being sued. Please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: ProCollect, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit reports ( all 3 ) show a collection amount of {$1000.00} held by ProCollect. I contacted XXXX to tell them the account was not in my name, but in my daughters name. They investigated and said status remained the same. Since then my daughter received a letter from ProCollect offering to settle the account in full for {$320.00}. My daughter paid the full amount requested in the letter but the account still remains 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 explanation
Consumer complaint received 2018-11-21
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Date incident occurred : XX/XX/XXXX Date contacted Chase : XX/XX/XXXX Transaction Amounts : {$800.00}, {$500.00} I contacted Chase on the morning of XX/XX/XXXX when I noticed that my debit card was missing. I noticed that there was two new withdrawals ( {$800.00}, {$500.00} ) that I did not withdrawal. I reported the withdrawals to Chase that same morning. I told Chase that I had my card number written on my card because I have a babysitter that uses my card for my daughters needs while I work. Chase told me that they were going to reverse the money back into my account and investigate. Chase then contacted me a week later and told me that they were going to send me two papers that I needed to sign so they could further investigate the issue. I returned the papers and two days later I received a letter stating that my claim was denied. I contacted chase and asked them why and they continued to state that I still had my card when these transactions were made and that the person that used my card didnt put the pin in multiples of times ( WHEN I TOLD THEM MY PIN WAS ON MY CARD ) and they also said because a XXXX XXXX automatic payment came out of my account on XX/XX/XXXX. I continued to tell chase that I did not have my card and that the XXXX XXXX automatic payment was processed on XX/XX/XXXX. Chase then asked me if I had documentation like a work schedule that could prove that I did not make these transactions. I provided Chase with my work clock in/outs and dates. My work schedule said I was at work from XXXX the day of the incident. The fraudulent transactions were made in an area that is 2 hours away from where I live/work. One day after providing Chase with my work schedule they still stated that my claim was denied. Chase then sent me to the executive claims department in which a lady named XXXX said that she was going to look further into my claim and get back with me. XXXX never contacted me once I contacted XXXX numerous of times and left messages in order for her to call me back regarding my claim. XXXX contacted me back and told me that she looked at my claim and that my claim was still denied. I asked XXXX why and she said that the dates did not add up. I told them I was taking this to court in which Im in the process of doing so. I was without any money for two weeks. I could not buy gas, food or diapers for my daughter and my account is still in the negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: PlusFour, Inc
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Collection agency ( Plus Four ) unable to provide any supporting documentation for this debt. I have no knowledge of this debt or this account.

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 2018-06-17
Company: Bayview Solutions LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
He called from this number : XXXX and He started telling me, that I owed {$1000.00} to a credit account I had over 10 years ago, and this account was paid. The statute of limitations is up therefore He has no legal right to try and even attempt to collect a debt in New Jersey. He also said ; I opened a account with XXXX XXXX and that has nothing to do with what he's suppose to be trying to do. 

He also said ; I had 2 judgments on my report and I don't and He wanted me to send him the {$1000.00} ; He also said I was embarrassed, He was very threatening too.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My account at Bank of America on several occasions had money taken without my permission. On XX/XX/XXXX I filed a claim for {$2700.00}, on XX/XX/XXXX they put the money back into my account. On XX/XX/XXXX, after requesting to have my funds released I got the okay to go and get them. I go to a branch where I am greeted by a very unprofessional employee. The employee refused to give me my money and went so far as to have my account locked. I needed this money to pay my rent or I was going to be evicted, with XXXX kids and not s single place to take them. The next day I go to receive my money and again, after being told by more than one employee I could get my money, again they done the same thing. Because of Bank Of America I lost my home. My kids and I have been sleeping in a car for 4 days and still have nowhere to go.

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 2021-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
My information has been stolen by someone unknow and they have been using it to get credit on my name, i have been very responsible securing my personal information, i cant think how they got their hands on my information, as a person that barely used credit, i can not explain how it is destroying my name / credit rating. my goal for this is to have all debt that does not belong to me removed delete and block from reporting to credit ever again.

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 2020-07-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I spoke with XXXX XXXX, 5/3 executive office on XXXXto date she has not sent statements or balance in account and there are duplicate bank errors for fees and unknown charges that she is not credited.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: Experian Information Solutions 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft 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