BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Bank of America allowed a breach of security on my XXXX credit card which lead to fradulent purchases on said card. After I reported the fradulent activities BOA closed out the account and issued a new card. 

I attempted to activate new card and BOA refused to activate said card based on questions they claimed were public records but had absolutely nothing to do with me or shared any relationship with me. I requested BOA to provide the source of where they were obtaining the wrong information so the consumer could correct and not be subjected to there methods and BOA refused to provide the source and refused to activate said credit card. 

I also asked BOA to use other information to provide security clearance to activate said card BOA refused. To date card is not activate. This is so insulting on many levels because the only way someone could have gotten a hold of my credit card number is thur BOA. I never used said card and card has never left my home safe. For BOA to now treat the customer in this matter is unfair deceptive business practice.

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 2021-05-27
Company: EQUIFAX, 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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Law Firm of Karl Frankovitch
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
XX/XX/2020 - Contacted via phone by XXXX, ( address unknown ) AZ ( XXXX ) in regards to consolidation and financial coaching. Was to receive a credit card with 0 % finance charge to apply. 

XX/XX/2020 - The Law Firm of Karl Frankovitch, XXXX XXXX XXXX XXXX, XXXX, NY XXXX ; XXXX XXXX ) : received charge of {$1900.00} to my credit card. 
No documentation of phone XXXX  conversation was ever received via e-mail, mail, contract or credit card. 
Services and credit card were never received. 
Contacted The Law Firm of Karl Frankovitch and this person told me to just pay the {$1900.00} or legal action and suits will take place costing me more than the due fee, so just pay it. 
{$1900.00} paid in full with no services rendered or credit card issued. 

XX/XX/2020 - Contacted The Law Firm of Karl Frankovitch for XXXX 's information. I was told that XXXX is no longer a client of theirs. They have no information on the company except the main Corp is out of AZ. Only a phone number was given ; XXXX. Called and sounded automated/fake ; left voice mail anyway. No call back yet. Can not find anything on web or XXXX  site for XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-16
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/XXXX penfed credit union added {$5300.00} to my auto loan for " premium insurance '' I've uploaded my insurance proof to the provider they told me too and they keep telling me they have not received it but I have the confirmation that it was uploaded and they will not remove the 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 2019-09-12
Company: Harvest Credit Management VII, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Good Morning I had an account with XXXX credit card through XXXX in XXXX DE back in 2006. They were paid off and my credit report was reporting a {$0.00} balance for all 3 bureaus. ( Please see attachments. ) Since then other companies such as XXXX XXXX and Harvest Credit Management has been harassing me. Harvest placed a judgement against me in XXXX XXXX District Court, it remained there and then it was discharged ( Please see attachments ) This account is almost 14 years old. The Credit Bureau suggested that I go to court and show the judge they all were reporting a {$0.00} Balance for this account after their investigations. I am in dire need of your help, I am XXXX XXXX years old, I have a job but now Harvest Credit Management has sent wage garnishment to my employer so they are threatening to do. How long can a person be harassed? almost 14 years. I have a check in which I paid them, a letter I sent to the Credit Bureau etc. ) Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: JPMORGAN CHASE & CO.
State: WA
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:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. i tried disputing it because i had paid it and it was their websites problem and not mine but they refused to remove it. Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-12
Company: MacDowell & Associates, Ltd.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I HAVE A GARNISHMENT AGAINST ME FOR AN APARTMENT I NEVER RESIDED AT. MACDOWELL & ASSOCIATES ARE GARNISHING MY WAGES FOR AN APARTMENT MY SISTER LIVED AT. THE APARTMENT CAUGHT ON FIRE DUE TO AN ELECTRICAL ISSUE. THEY BEEN CONTACTING MY SISTER ABOUT THE DEBT BUT SUEING ME IN COURT. THE ONLY TIME I AM FINDING OUT ABOUT THE DEBT IS THROUGH MY EMPLOYER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Account status incorrect

Complaint:
See attatched EXPERIAN CREDIT REPORT BY USAA. # XXXX XXXX XXXX XX/XX/XXXX Account Number does Not match. See circled USAA ( *Account XXXX ) Opened XX/XX/XXXX I DID NOT OPEN THIS FRAUDULENT ACCOUNT .See attatched 1099- C USAA CANCELLATION OF DEBT Account ( XXXX ) XX/XX/XXXX never closed. Two New Accounts opened Fraudulently WITHOUT " VERIFICATION '' OR AUTHORIZATION See attatched new account Mastercard Statement ( XXXX XXXX XXXX XXXX ) of XX/XX/XXXX {$100.00} balance. I DID NOT OPEN THIS CREDIT CARD. see attatched CREDIT CARD FRAUD CLAIM claim date XX/XX/XXXX {$470.00} card XXXX UNAUTHORIZED TRANSACTIONS OCCURRED. I DID NOT OPEN THIS CREDIT CARD VISA XXXX. SEE Attatched USAA CREDIT CARD I REFUSED NEVER ACTIVATED ( *Account XXXX ) I DID NOT OPEN THIS CREDITCARD ACCOUNT. 
AGAIN USAA ACCOUNT NUMBERS KEEP CHANGING ( a. XXXX, b. XXXX, c. XXXX, d. XXXX )??? ** KINDLY NOTE FOUR DIFFERENT ACCOUNT NUMBERS. I DID NOT APPLY FOR AUTHORIZE OR OPEN ANY CREDITCARD AFTER XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: EQUIFAX, INC.
State: AZ
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 student loans has reappeared on my credit report with a balance without a 5 day notice which is against the FCRA. These loans were paid in full and the credit bureaus has resubmitted them with balances without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 student loans has reappeared on my credit report with a balance without a 5 day notice which is against the FCRA. These loans were paid in full and the credit bureaus has resubmitted them with balances without my knowledge.

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 2020-11-04
Company: BBVA FINANCIAL CORPORATION
State: WA
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:
There was a purchase out of XXXX made on XX/XX/2020. I called BBVA mid XXXX ( per their notes ) and stated the card was used without my knowledge and they issued a new card with a new card number. They have since dinged my credit, lowered my available credit on the card ( causing utilization issues ) and have sent many, many, collection notices. I called today ( XX/XX/2020 ) and they told me they closed the dispute because " I lost the card and am responsible '' for the charge. I have the card in my possession and never did I claim to have lost it. I have already disputed the card on all three credit reports and have had a fraud consumer statement put into place. They told me they can not open another dispute but can " file a complaint '' with my " new '' information I am providing. That resolution is unacceptable and I refuse to pay for a fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax keeps referring to me as a XXXX  and I have submitted numerous amounts of documentation to prove I am not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-23
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have called 3 separate times to set up Income Based Repayment plans. each time I'm told they will send the required paperwork and then it never comes. After 3 unsuccessful attempts to receive the info I finally did get paperwork. I filled out required forms submitted them and received confermation that I qualify for the {$0.00} a month repayment plan and that any money I pay a month will be applied to the principal. within a week of receiving this info the company proceeded to send me a bill for the old payment of {$120.00} per month. I made a few months payments thinking that the money would be applied to the principal when I saw that is was not I stopped making the payment. they are now threatening to send me to a collection agency and bang my credit score. I should not have to call for a 4th time and spend 40 min waiting on the line only to get a rep who will lie to me yet again saying things will be taken care of. There is a class action lawsuit against this company for doing the same thing to numerous clients. I was willing to make payments of {$50.00} a month and was told that I have to pay the full amount they request unless I qualified for the income based repayment. so I did and I qualified and I'm still getting these bills and threatening letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: Experian Information Solutions Inc.
State: AZ
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 student loans has reappeared on my credit report with a balance without a 5 day notice which is against the FCRA. These loans were paid in full and the credit bureaus has resubmitted them with balances without my knowledge.

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 2018-05-03
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I called jp morgan chase to file a claim against these unauthorized transaction and after review they denied the claim due to cause : mentioned i used this merchant inn the past Merchant : XXXX XXXX  XXXX XXXX XXXX transaction date:XX/XX/XXXX amount:XXXX dispute claim date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
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:
Hello i went to the bank to get a home loan and when my credit was pulled i noticed many fraudulent accounts. this is stoping me from obtaining a home and obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Early in the month of XXXX I received an offer to apply for a branded visa card from Chase a Mariott Visa Platinum. The application was subsequently denied on XX/XX/XXXX for the following reason " Your credit repot reflects a bankruptcy '' and this information was apparently obtained from XXXX. Well I don't have a bankruptcy on any credit report and just like it happened with XXXX XXXX last XXXX it appears both banking giants have and use internal historical information which may be illegal to use. My credit score per Chase denial letter is at XXXX and they go on to state a mirad of made up jargon to cover where they actually got this supposed bankruptcy from. If the FCRA is crystal clear on what credit can be denied and from what sources is obtained then how is it that Chase is able to do this. It seems they are flying above the law. XXXX XXXX in their denial did the same thing even going as far as claiming they had pulled the credit report from someone else with my same name last name, social security # and address match. I have contacted all three major credit reporting companies and none have of the information for which Chase has denied me. XXXX XXXX did go out of their way when I threatened them with informing the government and did issue a credit card with a some what low credit line just to cover their backs. 
In the end it seems banking giants are keeping internal records about individuals in order to circumvent the law. This not only seems illegal but is also offensive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
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:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : {$4300.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/2015 ( 4 yrs, 7 mos ) Account status Open Type -- Responsibility Joint Remarks Dispute resolved ; customer disagrees Original creditor name 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 2021-07-16
Company: EQUIFAX, INC.
State: IL
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:
Hi, I went online in XX/XX/2021 to get my annual Equifax credit report. At this time, their system said it " encountered an error '' with no explanation given and that I had to call them. I called them and was given the run around that I needed to verify my identity by mail. I never received identity verification mail so I called them again in XX/XX/2021 and they did manage to solve the error when trying to get an XXXX. However, the system gave a new error instead that it was unable to provide the report online and only by mail. This took 5 weeks to receive which is XXXX. and the letter I got in XX/XX/2021 only said " Our records show that you have already received your annual credit report from Equifax ''. I have never received an annual credit report from Equifax, not within the past year nor ever actually. I would call them again but at this point I think it's clear they're being abusive. It is unlawful to withhold my credit report like this. 

Please let me know what steps to take.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: WESTERN UNION COMPANY, THE
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
I would like to bring your attention to a serious issue I have with Western Union wires that first took place on the XXXX of XX/XX/2020 to a FRAUD SCAM Broker : XXXX XXXX XXXX. 

I have been victimized by a multilayered scam operation orchestrated by XXXX XXXX XXXX - the XXXX. 

The funds were transferred utilizing Western Unions services in the total amount of XXXX EUR! I would also like to point out that on the XXXX of XX/XX/2020 - I filed a dispute with Western Union. 

My money was not in use for any actions ; it was simply transferred to the owners wallet account. Since I did not purchase anything and I did not invest in anything, my money was not in use for anything, and it was simply pocketed by the beneficiary account holders. 

With the worsening situation of the COVID-19 in XXXX, I am very worried, as these scammers have affected my well-being and my hard-earned money. I have financial hardship and I am finding it difficult to meet my obligations. I need to get back all the money that XXXX XXXX   XXXX has taken from me. 

These types of scam operations are ruining people 's lives. Nobody has acknowledged me as a victim. All my savings were stolen, depleted due to the Western Unions unlawful conduct. Western Union has not acknowledged me as a victim. It seems like the bank and the scammer think that what happened to me was OK and I should take all the responsibility for being scammed. 

All I wanted was to be able to afford to put a deposit down on a home for my family. I was vulnerable, alone, and had never made an investment in my life until I was defrauded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
XXXX XXXX  has been making harassing collection calls when payment is not due as of yet, due date is XX/XX/XXXX in the amount of XXXX. The account was under a hardship program prior and removed due to a returned payment in the amount of XXXX. This payment was scheduled to be drawn from a closed account which was not known to me, payments are currently scheduled to be drawn from my current account ending in XXXX. I was under the impression the payment would be drawn from this account as well, it was returned because the account drawn from was closed. I request calls stop and account added back on to hardship program.

Company response to consumer: Closed with non-monetary relief