BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Summary : My Bank of America VISA card, my name, my partial home address, and a fake signature, were used by a hacker on XX/XX/XXXX to purchase a laptop computer for {$2400.00} from XXXX XXXX XXXX XXXX in XXXX. Shipped XXXX, it was made to appear that the item had been ordered by and delivered to me, and signed for by me. Even after many conversations with B of A Fraud Dept., and submitting a detailed affidavit/statement, B of A is still denying my claim, stating " No fraud has occurred, '' and refusing to cover the {$2400.00} loss. the latest letter of denial from them was dated XX/XX/XXXX. 

Detailed Explanation : On XX/XX/XXXX, a hacker, having obtained my Bank of America VISA card number and also my name and ( incomplete ) home address, ordered a laptop computer from XXXX XXXX in XXXX, and charged the amount of {$2400.00} to my VISA card. I had not ordered the item, and I did not receive or sign for the item. We obtained tracking information from XXXX, and it listed my name and an incomplete home address as the recipient, and that it was mailed via XXXX. The tracking information indicated that the item had been delivered to a similar address as mine, but contained a fake signature. 

I first learned about this when the {$2400.00} charge appeared on my VISA statement of XX/XX/XXXX to XX/XX/XXXX. At first, B of A assured me that the loss would be covered. ( letter of XX/XX/XXXX ). Later, on XX/XX/XXXX, we received a letter stating, " After a review of the details you provided, we have determined that no fraud has occurred, '' and added that we would be responsible for the full {$2400.00} charge. 
We asked for a clarification of this decision, and the B of A Fraud Department then recommended that we submit a fraud affidavit ; after many requests, they finally provided the affidavit form to me. I faxed the completed form to the B of A Fraud Dept., along with documents from XXXX showing that the signature in the tracking information was clearly not my signature, and the address was clearly not my complete address. 
The latest letter of denial from the B of A Fraud Department was dated XXXX XXXX, XXXX. 
This was a complex crime, and B of A does not seem to understand how is was that we did not receive the merchandise and did not sign for it. We have been B of A customers for nearly 50 years, and we don't believe we should be treated this way by 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 2023-04-17
Company: Experian Information Solutions Inc.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I submitted An investigation With XXXX XXXX And Experian for the Account XXXX Credit Card with account XXXX # XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX the investigation was not even completed and the account is still on my credit it id a fraud account and should be removed inmediately. 
Please kindly assist with this matter.

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 2021-07-19
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I need help!! Contact me! I am currently in Forbearance. I have over XXXX in equity and I cant get XXXX to take care of my family and get out of the mess. You see on our case and many others these stupid lending rules are hindering our ability to help ourselves. You see because of the XXXX Virginia XXXX XXXX in violation of Federal LAW!!! Suddenly and with no notice whats so ever stop paying for no reason. They have screwed over XXXX of us in Virginia. My credit score has gone down over 100 points and I want to save my family because I used money to help save lives. 

So in my case its like the government instead of helping they know I have so much equity they cant even back a XXXX loan so I CAN HELP MYSELF!!!! 

Here is my offer and they force me to play the Credit Score Game I need XXXX grand only 18 months I will pay 25 % interest. 

By doing this on a private lending this will not show up on a credit report and will play the credit score game and my score will be over XXXX!!!!! I will pay XXXX dollars a month during these 18 months and at the 16 month apply for a XXXX heloc and then this will be approved because I will still have over XXXX in equity. 

See my credentials - I see this because this is the only way to take care of my family and continue to save lives. XXXX the XXXX dollars for 18 months does not go into paying down the principle it is a good faith payment. Any XXXX XXXX takers???? 


Just like the politicians who refuse to let the police do their jobs. They allow over XXXX deaths a year they refuse to let me do my job. 


The Greatest Threat To Public Safety Is The Belief Is That Somebody Else Will Do It! 
XXXX XXXX XXXX Why does our own government wants to prevent this from being fixed? 


https : /XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Bank of America performed a hard inquiry on my credit report for a card I never applied for. I immediately put a freeze on my credit reports. I then reached out to their company and they asked for proof that this took place. I sent them the proof they asked for and received a letter stating there was basically nothing they could do about it.

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 2023-02-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I went to Experian and signed up for a 7-day free trial that would expire on XX/XX/2023. However, on XX/XX/2023, Experian went into my account and illegally took out {$27.00}. When I became aware of this transaction, I immediately contacted my bank to dispute the unauthorized charge, then I called Experian. After, several attempts and calling multiple numbers, no one answered. Experian assures me that nothing was charged to my account, but XXXX XXXX XXXX XXXX said that they did take out {$27.00}. I will be attaching my statement proving their wrongdoing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
( 1 ) ABUSIVE DEFERRED-INTEREST ACTS OR PRACTICES : In or about XX/XX/XXXX, I began disputing how payments in excess of the minimum payments due were being applied to balances on the deferred-interest promotions. Excess payments were made beginning in XX/XX/XXXX through XX/XX/XXXX, but excess payments were not paid towards expiring promotional deferred-interest promotions, causing late fees and interest to be added to the balance. ( 2 ) UNFAIR BILLING DISPUTE PRACTICES : When I disputed the mishandling of refunds and excess payments, PayPal did not acknowledge or respond to my account disputes for over 2 months when promotional periods were expiring, charged late fees and interests during the dispute period, and sent negative reports to the major credit bureaus without responding to billing and payment disputes. As a part of my dispute, I requested for PayPal to forward billing statements from XX/XX/XXXX to XX/XX/XXXX. PayPal only provided statements from XX/XX/XXXX to present. PayPal did not accurately apply refunds for returned merchandise directly to merchants to reduce the deferred-interest and payments, causing double billing charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: AMERICAN HONDA FINANCE CORP
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
We paid off the loan through Honda Finance online through the Honda finance website using money in our XXXX XXXX XXXXXXXX checking account on XX/XX/XXXX for approximately {$12000.00}. We plan to title the car over to my son. The funds cleared my checking account by XX/XX/XXXX and the loan on the Honda Finance account shows a zero balance. on XX/XX/XXXX I checked with the Arizona XXXX and the lean we still showing on the title. I called XXXX XXXX and they confirmed a zero balance but refused to send a lean release before 10 days after the payoff unless I sent documentation of all of the transactions in my checking account to them. I do not believe I should be require to disclose all of the data in by checking account statement for the loan payoff and other transactions to obtain a lean release on my car 7 days after it was paid off and after they received the money an my loan balance is zero. I sent a copy of my checking account activity statement showing just the transaction for payoff but they deemed that not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX XXXX # XXXX XXXX XXXX # XXXX Has violated my rights 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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 16811s - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer 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
Consumer complaint received 2022-05-26
Company: FC HoldCo LLC
State: SC
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:
There was an inquiry made on all 3 of my credit reports ( XXXX, XXXX, XXXX ), on XX/XX/2021, that I did not authorize or have knowledge of. I have never even heard of the company. I contacted Flagship Credit and they refused to look into it or even dispute it. I am requesting to have this inquiry removed from 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 2019-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2022-10-17
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 belongs to someone else

Complaint:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions I

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I wire transferred {$2600.00} ( + {$25.00} banking fee ) on XXXX XXXX at XXXX XXXX PST from Coinbase to XXXX XXXX and it still has not arrived a month later. I have emailed their various customer support emails, called their bank, and called Coinbase. I called Coinbase three different times, I was on extended hold, and then they hung up on me. I reached out to them multiple times through XXXX also. 

Coinbase has failed me as a customer and I 'm seeking Government help to find my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2019-12-19
Company: EQUIFAX, INC.
State: SC
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 DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT AND HAVE CAUSED TREMENDOUS DAMAGE TO MY CREDIT.. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED EXTREME HARDSHIP, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. PLEASE HAVE THOSE ACCOUNTS REMOVE AND PURGED OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have a store credit card through XXXX. back in XX/XX/2023 I contracted XXXX and missed a lot of work. I also misse y payment due to being so sick! I called XXXX at the end of XXXX and asked them to make a payment plan to catch up and was given dates and authorizations over the phone for several dates for my card payment to be directly taken from my account! To bring it up to date. They assessed one payment and the reported to the credit bureau that I was over 30 days late to Transunion. Which resulted in lowering my credit limit and my credit score and I was not notified even through letter that any of this was taking place. The person on the phone made it seem they were sympathetic that I was going through the after math of XXXX and they were enrolling me in a program to get caught up and all the whole they were plotting against me to decrease my credit limit ; increase my utilization, and lower my score! I have had this card for over 6-7 years and NEVER had a late payment on my credit report! However before last year the store card was through XXXX! I did not start having issues until my card was transferred to XXXX! When I called the company to dispute and try to rectify the problem the rep and their supervisor said they cant see the screen past a certain point. They said they could see that my card had a payment plan but did not see why they didnt go through. There were funds on my account to pay. And if it didnt have funds or for throughly they would had contacted me through phone or mail! Both the rep and the supervisor stated there was nothing they could do!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-19
Company: JP RECOVERY SERVICES, INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I filed an FTC complaint about one year ago with no change in receiving frequent recorded calls from : JP Recovery Services , Inc. at XXXX as recently as XXXX XXXX on XX/XX/19. Recorded Message states that a return call is requested regarding debt collection and should be made to : XXXX XXXX. I do not owe any $ $ and have NEVER returned this call. This has been going on for over 6 years. These numbers do not match the business I found online which has a contact number XXXX. I have never contacted the online numbers provided on their website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of Identity theft. I have accounts on my credit report that I have no knowledge of and I need to have them removed immediately.

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 2021-12-14
Company: U.S. BANCORP
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I opened a Home Equity Line of Credit with USBank in 2019. At the time, I was pleased with the process of opening the account as USBank told me that I would be charged a low interest rate and that there would be no costs at closing and no costs to terminate the account. 

Fast forward a few years, I am currently moving and have to close my HELOC to close on my property. I called USBank to pay off my balance and close the account. At that time, they told me I would subject to a {$500.00} closing fee. As soon as I heard that, I disputed this fact while they told me it was in my contract. I informed them that I led to believe this would not be the case. I asked them to pull the transcript of the call from 2019 to confirm what I had in my notes from the original opening call. After XXXX calls with USBank, they refused to honor my request and told me that I was not able to receive any further information regarding the sales process or their sales tactics. I am at a loss and am heartbroken that such a large institution would be so brazen with their deception and double talk

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