BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-11
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: Investigation took more than 30 days

Complaint:
Today is now XX/XX/XXXX, on XX/XX/XXXX, I sent in a letter to Equifax regarding incorrect accounts, false personal information and unauthorized inquires I noticed on my credit report. It is my understanding under federal law an investigation is required and shall be conducted before the end of the 30-day period beginning on the date the agency receives the notice of dispute. Under the Fair Credit Report Act, I will again note that my letter was sent on XX/XX/XXXX. It has now been over 50 days for this reason alone by law all disputed items must be deleted from my credit report. I will add that these accounts are incorrect, inaccurate, and violate my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: INVESTORS BANK
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I had a checking account with Investors Bank ( Acct No. XXXX ). This account also had an Overdraft Line of Credit associated with it ( Acct No. XXXX ). I closed my checking account on XX/XX/XXXX. Unfortunately the Branch did not close the line of credit associated with it at the same time ( it had XXXX balance at the time ), and this overdraft account has been on the bank 's books and I continue to receive monthly statements nearly four years after closing. I stopped by the XXXX Branch of the Bank on XX/XX/XXXX and spoke to the Manager about this. He promised to have it closed, even though he could not do it on the spot in their systems. I have written to the bank on XX/XX/XXXX ( see attached letter ) asking them to stop sending me monthly statements associated with this account. The bank has neither closed the account nor given me an explanation for their inaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midland credit has called me 5 times before XXXX XXXX  today. Upon picking up she immediately threatened me by saying she was helping me avoid a lawsuit. I simply told them to stop calling and they deny calling as many times as they have. My phone records beg to differ. Each time they call, they call twice! 

The second part of threatening a lawsuit is a much bigger deal. That is not allowed and is highly unethical.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-15
Company: EQUIFAX, INC.
State: GA
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 hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and here on the website here. This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now. XXXX XXXX, XXXX XXXX XXXX I am doing this on my own behalf and really need someone to help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: HEARTLAND PAYMENT SYSTEMS INC
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Heartland ECSI is handling the servicing of my loan. My loan is in good standing and I'm paying it off ahead of schedule. I'm currently using automatic withdrawal and paying about 2 1/2 times the required payment amount each month. I should have the loan paid off about 5 or 6 years ahead of schedule. 

Using ACH as they call it meant that I was on paperless billing which was fine with me. I didn't need a monthly statement and all my account information was online. I preferred not getting statements because it kept the information out of my mailbox and away from identity thieves. 

This last month, I got a statement which was concerning especially since it indicated I owed a payment on the front page - I don't. The purpose of automatic withdrawal is that my payments get made for me. 

When I asked about this, they said they started issuing statements for ACH customers so 'they knew their payoff ' amount and they'd started doing this months ago. 

This is nonsense. 

First because the payoff amount has always been at the top of the screen when you login. Second because the statement is designed to make it look like you are no longer on ACH and owe a payment. It is designed to panic you. Third, statements didn't start arriving 'months ' ago. 

The bills themselves are also deceptive. They in now way indicate that ACH customers do not owe the bill or have made the payment. They are designed to get ACH customers to pay twice. 

And the company is completely unapologetic about and insists we were not 'enrolled ' in paperless billing and they didn't XXXX up. That this is 'our fault '

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: Factor Trust
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 REQUESTING A SECURITY FREEZE ALONG WITH BLOCK ON ALL ACCOUNTS. 

XXXX XXXX XXXX XXXX XXXX US DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX INQUIRES : XXXX  XXXX XX/XX/XXXX XXXX  XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My name is XXXX XXXX XXXX. I have been a Chase customer since XX/XX/XXXX. 
I have been a victim of identity theft and have discovered a variety of different fraudulent usage of my personal information and informed Chase of it many times during the last 6 months. 
After disputing charges that were unauthorized and/or not me, between XX/XX/XXXX-XX/XX/XXXX Chase Bank decided to restrict my access to my checking account, online, on the phone and at branches. I only knew because my card was declined and I called customer service. 
Chase CSR 's refused to tell me why the account was restricted and they declined to answer me, multiple times. They did say Chase is ending their relationship with me, or close my account.

I have money and direct deposit from the IRS coming in that account and I am on XXXX and low income. Now I cant afford to eat thanks to Chase Banks decision to block access to my funds. 
No warning, no reason, after I've complained about Reg z on disputed debit transactions, had charge-back credits reversed, not responding to my many requests for evidence and procedures on investigating my disputes and other issues.

More concerning is that I have gotten numerous communication with Chaseonline that responses back to me with DIFFERENT ACCOUNT NUMBERS.

I demand that Chase answer ALL of the above concerns of mine.
Your company refuses to talk to me and I have been wasting 10+ hours weekly for months asking for help and getting the run-around.

Good day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: WELLS FARGO & COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/20 I notice that I had i did not have my Wells Fargo bank card. I logged into my web account and noticed i had so unauthorized charges to my account. I immediately transferred the remaining funds and called the fraud line that was on the website. 
Amounts were XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX   XXXX  XXXX XXXX XXXX XXXX On XX/XX/XXXX I was advised by the bank that it was nothing they could do because the transactions were pending and XX/XX/XXXX they advised that they hold no liability.

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 2021-10-08
Company: EQUIFAX, INC.
State: GA
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:
My rights to privacy have been violated pursuant to 15 USC 1681 ( a ) ( 4 ). I did not give anyone written permission to furnish any accounts on my consumer credit report. According to 15 USC 1681b ( a ) ( 2 ). I initially demanded to have those accounts to be permanently removed but they did. They added remarks to the accounts I requested to be removed instead of deleting the accounts. I am demanding for the accounts to be removed and deleted from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: Experian Information Solutions 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:
FTC violation inaccurate information showing on credit. Violation FCRA.

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 2020-05-14
Company: U.S. BANCORP
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:
US Bank is reporting a credit card installment on all of my credit reports but this card is not mine! 

I have never lived in a city with a US Bank account and have never had a US Bank Credit Card. 

I have reached out to US Bank to verify this debt on three different occasions, WITH CERTIFIED MAIL, and US Bank has not responded. I assume this is because they have my credit file mixed with another person, because this account does not belong to me. 

I have also disputed this with XXXX and US Bank 'verifies the account ' even after communicating with them that I have had email fraud, identity fraud, and mail fraud. 

This account MUST be removed or I will be retaining an attorney and suing for all economic damages from my $ XXXX loan high interest, high insurance premiums, and higher interest charges on my installment accounts. 

This account is NOT mine and I work hard for my credit score.

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 2021-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I paid the settlement with XXXX XXXX. I was told that once it was paid it would show on my credit as paid and my score will go up. It show on my credit as loan paid -4 % and in bad debt standing. I called four times and the fourth time today the representative I spoke to today he was very nasty on the phone with bad customer service and he even hung the phone up on me. I received the letter I paid the settlement and the car title for the car.

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 2020-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a card approval. The account listed below is not mine. I sent in multiple letters that I attached here as proof. I haven't received any feedback about my complaints. I don't understand what is really happening? Your help is so much appreciated. 

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 2020-11-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
XXXX  XXXX reported to the credit bureau that my credit card was canceled by creditor. This was not because of anything I had done. All payments have been made as agreed. The XXXX  XXXX company filed for bankruptcy and then sold the company to another dealer. Im continuing to pay my bill as agreed and have not had demands for balance in full. I dont think the should besmirch my credit by stating account closed by creditor!! It should be shown another way, as to not make me the villain. Can you please help?

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 2021-08-07
Company: SCA Collections, Inc.
State: NC
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 have received two notifications from a credit monitoring service that I have a new account with SCA Collections and there have been two derogatory marks placed onto my credit score despite no information being received in any way from 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 2020-05-11
Company: Experian Information Solutions Inc.
State: CA
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:
The credit reporting company Experian recently ( XX/XX/XXXX ) sent me an email ( see screen shot [ attached below ] ) explicitly stating that I had credit card ( s ), a login ID for use of the website Experian.com, and the total credit-limit amount assigned to me for all my cards ( taken from my Experian credit report ). The total credit-limit amount was even stated in the title of the email. I don't even know ( or care, frankly ) if these types of emails are even encrypted. 

I don't mind being offered a new credit card, but I am extremely sensitive about emails containing personal information of this sort. This is mostly because I was a victim of identity theft a couple of years ago, which I believe was due to the XXXX XXXX  data breach. Identity thieves opened up four fraudulent bank accounts, a credit card, and an ATM debit card. One of the banks even printed paper checks which were sent to my home ( where I have had my physical mail stolen on several occasions ).

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 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
To whom it may concern I was looking at my XXXX XXXX. It's been a really long time since I looked I noticed a bunch of inquiries I know that I never authorized or signed anything for these companies to run my credit. I believe this to be some type of fraud as I never went to any of these places or even tried to do anything with my credit until I looked at XXXX XXXX   on XX/XX/XXXX and noticed all this. My friend told me to come to you guys directly. Attached are screen shots of the inquries I am being accused of. I did not apply for any XXXX cards on following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX. I would like all of these to kindly be removed. I am going to look into this more might have been my ex being spiteful. I honestly didn't do 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 explanation
Consumer complaint received 2017-09-18
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened an American Express Credit card for my business and made a {$40000.00} purchase the first month ( XXXX, 2017 ). I am supposed to get one point in the Memberships Rewards Program for every purchase made. These XXXX points were never credited. I checked today, to use the points to get airline tickets, and noted the lack. The company refused to instate the points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I started the process of opening a Direct Savings account with HSBC on XX/XX/2020. At that time, the advertised rate on the website was 2.05 % APY. see https : //www.us.hsbc.com/savings-accounts/ After a couple of weeks, the account was approved and I transferred my funds. I got my first statement at the end of the month, and saw that my actual rate was 2.00 % APY. Around the same time, I received an email notice that the rate would be dropping to 1.85 % APY on XX/XX/XXXX, around two weeks after I opened my account. 

I contact HSBC to request that I be given the advertised rate, and they denied my request but acknowledged my complaint. The terms on the website state that " APYs are variable and subject to change after opening. '' However, given the cost, both in time, and potential fees, it seems unethical and unfair for the bank to change the rates so soon after the account is opened, and by such a large amount ( a 10 % reduction in the rate!! ). 

Had I known that the rate would change so suddenly, I never would have gone through the time and effort of opening the account. 

Further, there is a charge for closing the account within 180 days of opening it : " Account Closing {$25.00} If your account is closed within 180 days of opening. '' Additionally, as of the writing of this report, the rate displayed on the HSBC Direct website is 2.00 %, but according to the email that I received, the actual rate that a new customer can expect is 1.85 %, which is apparently false advertising. If HSBC knows that they will be changing the rates in the coming weeks, they should be required to change their advertised rates to reflect what the customer will actually receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I had my Capital One bank checking and saving account at some period time. I kept on my account more than $ 100k. I closed my account few years ago. I dont owe anything to this bank. I hold my own money. I didnt take any loan, any line of credit. Everything was fine at that time. 
I have my venture credit card with the same bank for the last 4-5 years. No debts, no late payments, excellent credit score ( XXXX ) I get a lot of offers by mail offering to open again saving and checking account. 
Finally today I decided to do so. 
I was really surprised when my application was denied. 
I spoke to the bank representative XXXX on the phone. And he told me that it is what it is. And bank can decline me for any reason. 
I am really shocked since I never had any problems with opening accounts in any of the bank for the last 30 years. Each bank gladly opens accounts for me especially for large amounts. 
I recently complained about annual fee with my capital one venture card. It feels like as a revenge and consequently retaliation against me which seems highly inappropriate and not correct. 
I would like to find out what are the reasons to be declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
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:
Experian refuses to correct negative accounts listed on my credit report. they are in violation of the FCRA.

Company response to consumer: Closed with explanation