BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-20
Company: DISCOVER BANK
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
DISCOVER closed my account, personal credit card, after 10 years of use with no serious delinquency and no explanation ; I made payments on time except for a couple of times years ago.There was no suspicious activity or complaints from my end. 
They said they were going through a 'verification process ' and wanted all my personal banking info with statements for the last 3 months and tax info, mind you this is with me making all my payments ON TIME AND NOT ASKING FOR ANY KIND OF CREDIT INCREASE OR LOAN OR MORTGAGE. There was no suspicious activity or complaints from my end. I gave them my tax info and verification of bank with my home residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Moria Development, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We tried to obtain a forbearance with Peoples Mortgage in XXXX and there is a was a long wait. By the time the forbearance was approved a late charge in the amount of {$73.00} was assessed. I'm requesting this be waived as a first time courtesy. My husband lost his job with XXXX XXXX on XX/XX/XXXX. That is predatory that a company is assessing late charges on loans that can not be paid due to COVID and job losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
While reviewing my credit report there are hard inquiries that I do not recognize. 

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 2023-08-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check of more then {$5100.00} made out to my father into my account not before asking in the branch if I can do so they told me that if its endorsed by both parties it will work but they placed a freeze on my account when I called in to see what I can do I have been asked to provide a phone number that they can call my father to verify it I have provided all phone numbers he is using but they told me that this phone numbers are not verified I asked them what is a verified number they told me that they are using a tool that's gathering info from public records to see if a phone number is associated with this parson so I asked them to search for his name they ware not able to find a phone number for him so they told me that they are not able to verify it even when I offered them that I can have him walk in to a branch and they told me they have no option for me to verify this check in other words someone that is not on the database they are using has no way to be verified and see beck the money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Maximus Education, LLC dba Aidvantage
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Aidvantage is saying I have a student loan payment due on XX/XX/2022. I got this email today, XXXXand the amount for an IDR is ridiculous. XXXX? I cant pay that!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: OK
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:
It has come to my attention that pursuant to the Fair Credit Reporting Act, Experian, XXXX, and XXXX has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681a : States I have the right to privacy 15 U.S.C. 1681b : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 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 the information is inaccurate.

Since I haven't authorized any business or consumer reporting agency to report on my consumer report I am now exercising my right to opt out of any and all authorization I the federally PROTECTED consumer may have given whether it be written, unwritten, verbal and nonverbal pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

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 2020-04-30
Company: Medical Data Systems, Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have received threatening phone calls that I owe {$4200.00} and to pay or will report on my credit bureau negatively. 
I contacted the company that it is Identity theft.

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 2020-04-30
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem adding money

Complaint:
I am locked out of account and I call several times a day stay on hold for hrs get disconnected. When someone does answer they can't help me. I have a replacement card that isn't working and I need to get in my account. Start ed calling 2 weeks from today and no results

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 2020-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
On XX/XX/2020 I submitted Disputes for unknown and inaccurate accounts on my credit report. I was a victim of XXXX Data Breach. I want to Delete all the unknown and inaccurate accounts or I will file a litigation.

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 2019-03-08
Company: EQUIFAX, 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:
I recently received a copy of my credit report where I disputed a collection account with XXXX XXXX XXXX XXXX XXXX   the credit bureau stated they had verified the information as accurate however I received a copy of the itemized billing and signed contract today and their are several issues which require the item to be removed from my credit file 1. The name of the collection company on credit file is XXXX XXXX XXXX however the name on the letter of validation has XXXX XXXX XXXX 2. I also received the same paperwork from another collection company name of XXXX XXXX 3. One set of paperwork have the name and signature for service as XXXX XXXX the other has the name as XXXX XXXX but signature page as XXXX XXXX it is clear this paperwork has been tampered with and or altered 4. Why is two different companies attempting to collect on the same bill it clearly the same account number on all paperwork 5. The signature page doesnt give the collection company any rights to contact or collect from me I do not have a signed contract with them 6.since the original hospital contract states XXXX XXXX and XXXX XXXX ... ..They are in breech of the contract by assigning it to a collection company 6. Also the billing information provided is in violation of the HIPPA policy as the lab work testing and information should remain  private Im currently a patient of XXXX XXXX XXXX were I have a established repayment plan on any and all outstanding hospital bills please see attached ledger of my account with them were it clearly shows a zero balance on the before mentioned collection item account number

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Block, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My account with cashapp was breached and my money was stolen despite the fact that i notified their team of suspicious activity and took steps such as changing my ohone number, email and other personal information so that they wouldnt be able to access my account again. Despite this, less than 24 hours later my account was breached again and they took all of my money.

The only information they have been able to give me to this point was that they were looking into and that i need to wait. 
They refused to connect me with anyone who can gibe me any actual information pertinent to the investigation claiming that they dont have phones that a call can be transferred to or that i would just be receiving the same answer. 
On top of this my money was deposited into an acxount held by XXXX XXXX  which, from what i can tell, is not an actual bank that regular people are able to open accounts with which leads me to believe that someone within their company/organization are responsible for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: U.S. BANCORP
State: WI
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 opened a US Bank checking account XX/XX/22. And when it was approved, I received notification of application for the US Bank XXXX XXXX XXXX credit card. I never applied for a credit card and never wanted another US Bank credit card, only a checking account. How a new credit card application was filed is beyond me. A hard credit inquiry on file on XX/XX/22 is fraudulent and not caused by me, XXXX XXXX. I called instantly on the same day the moment I saw it for US Bank to stop the application and cancel anything related to the credit card application. On XX/XX/22 XXXX XXXX XXXX representative of the US Bank at XXXX XXXX XXXX contacted me, letting me know that he apologized for the experience and advised me to send in a request to US bank to remove it, but it was denied.

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 2018-05-06
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
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:
Reported account 30 days past due when they agreed to change due date from XX/XX/XXXX to XX/XX/XXXXof month. Payment was not at any time past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am a XXXX XXXX XXXX who assisted in XXXX during the Covid-19 crisis. I had called Nordstroms  prior to my leaving to explain I could not afford the payments and needing a payment plan. The XXXX dollar payment plan they offered I could not pay. I returned from XXXX and called to pay my entire XXXX bill in full. I had saved up to pay this debt off from my paycheck. I received pushback from a store employee in the credit department stating the late fees of XXXX dollars would not be forgiven despite the Cares Act President Trump signed. 
I was then transferred to a supervisor stating, you had to call us to get that credit! I told him I was kind of busy saving lives with people who were dying ... he stated, Im sorry you still owe the money I cant help you. 
I need assistance, they need to accept my full payment of my XXXX bill and take this off my credit bureau report. 
I am very upset that after all we as Americans have been through this is how XXXX XXXX  are treated! 
Much Respect, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-02
Company: Checkr, Inc
State: FL
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: Public record information inaccurate

Complaint:
Due to an inaccurate background check conducted by the company Checkr, I'm currently unable to perform XXXX deliveries. This situation has had a severe impact on my life, as I rely on these deliveries to make a living and cover my essential expenses. 

The impact of this unjust assessment by Checkr has extended far beyond their intentions, as it has caused an intricate web of financial stress and emotional strain. Each day that Im unable to undertake these deliveries is another day I wrestle with mounting bills and the haunting uncertainty of how I will manage to make it through. My dreams, aspirations, and even basic necessities have been placed on hold, a victim of circumstances beyond my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX {$0.00} Closed 2 late payments This account does not belong to me please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: EQUIFAX, INC.
State: MI
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 many issues with the closed " XXXX XXXX XXXX Mastercard '' aka XXXX XXXX XXXX on all my credit Reports showing closed that reduced my credit score. 1..This card was a sears card and was transferred over to a shop your way mastercard from XX/XX/XXXX.when XXXX closed and went bankrupted. 2..I never asked for or applied for a shop your way card.When I called XXXX to ask to show proof or mail copies that i applied for this card, they said they cant provide that information to me. 3..After many disputes with CFPB, XXXX, equifax , XXXX , etc. , requsting to remove the tradeline on all credit reports, they sent a letter ( s ) dated XX/XX/XXXX citing " On XX/XX/XXXX, the XXXX Mastercard account ending in XXXX was converted to the Shop Your Way Mastercard account ending in XXXX. A Change in Terms notification was sent to you in XX/XX/XXXX, which communicated this transition. This was a business decision and there was no opt out option for our customers. Please accept this letter as confirmation that this was a change in the account number and available purchasing options, but it is not considered a new line of credit ''. 4..According to CFPB laws/rules and the FCRA act that protect consumers, I have the right to opt out of any change in terms.XXXX claims that was a buisness decision and there was no " opt out option ''. 5..XXXX claims they sent me the new terms but they didnt.They only produced the new terms when i disputed false information on my credit reports.When i called them to produce paperwork initially, again, they said they couldnt produce any information. 6..Because XXXX lying behavior.they claim they arent affliated with XX/XX/XXXX but indeed they are.Please see attached dispute responses from XXXX. 7..XXXX and XXXX credit card is/was XXXX and so is Shop Your Way mastercard. 8..On XXXX XXXX, i called citbank reference number XXXX, and XXXX cited '' We reviewed the call from XX/XX/XXXX, and confirmed that the agent provided incorrect information regarding the account closure. We have provided feedback to the agents manager. We regret any inconvenience this may have caused. Our goal is to serve our customers by providing superior service and products, and one of the best ways to achieve this goal is to receive feedback from our customers ''. 9..XXXX closed my account that i did not ask for 10..XXXX is lying This is reporting on all credit reports asXX/XX/XXXX Therefore, I did not request this credit card or ask for this credit card.I did not have the option of opting out per FCRA act.I did call and request information that XX/XX/XXXX would not produce. Im requesting that all information be thoroughly be investigated and not seen as a duplicate complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: EQUIFAX, INC.
State: WA
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/19 I requested a credit increase from my XXXX Credit Card. When I filled out the request from them, it did not state they would be pulling my credit report. A hard inquiry was made today, XX/XX/19, from CBNA/XXXX on my credit report. I did not authorize them to do this. I would not have made the credit increase request if I would have known it would give me a hard inquiry!

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 2020-05-30
Company: GOLDMAN SACHS BANK USA
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
In XX/XX/2020, I decided to close my Apple Card account after a dispute over charged services that were not rendered. Goldman Sachs decided to side with the company over me and I informed them I wanted to close my account. They stated they would close my account ( I have record of all communications as this is done through text message ) and I thought everything was done as my balance was paid in full. I lost access to my account and believed it to be closed. 

In XX/XX/2020, I'm alerted to a transaction that was flagged by my bank from Goldman Sachs for an amount of {$39.00}. The transaction was blocked and I contacted Goldman Sachs to find out what was going on. They informed me that the account was never closed and could not explain why they decided to make an unauthorized attempt to remove funds from my bank account 2+ months after the account was supposedly closed. They explained that this time the account is closed for good and did not mention an outstanding balance. 

To this day, I have been receiving emails from Goldman Sachs in regards to an outstanding balance and I'm done dealing with this situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-19
Company: Experian Information Solutions Inc.
State: CA
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:
According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-21
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Letter was sent by JEFFERSON CAPITAL calming a debt of XXXX  XXXX XXXX checking account. I dont have an account with XXXX  XXXX XXXX .... I called XXXX  XXXX XXXX to verify that nothing was opened under my information and nothing was found .... this a company trying to collect a debt that doesnt exist

Company response to consumer: Closed with explanation