BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-13
Company: U.S. BANCORP
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I serve as the XXXX for a 501 ( c ) 3 organization which holds a checking account and credit card with US Bank. I was attempting to activate the card and was informed that I am not listed on the account, despite transferring accounts into my name two years ago. 

All billing for the accounts is mailed to my personal residence. 
I can view all account information including bills, transfer and pay accounts, etc. through my online account access. 

US Bank refuses to inform me who their listed account holder is, or how I would obtain this information. But did tell me I could go to the branch if I wanted. I did inform him I appear on the XXXX  Report filed with the Corporation filings at the Iowa Secretary of State and could provide that documentation. I was told this was insufficient and that documents from a website can not be examined. He was unable to tell me if someone in another division would be available to review the documents. 

The supervisor XXXX ( Case reference XXXX XX/XX/21 XXXX informed me that he had no other option for me and contact with Office Of The President was my only option.

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 2017-10-27
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: Account information incorrect

Complaint:
XXXX XXXX XXXX offers free XXXX XXXX monitoring through Trans Union. 
Scores. XXXX XXXX : XXXX XXXX A drop of XXXX points. I use all my credit cards every month also paying my balance is off in full every month demonstrating responsible financial behavior I sent a copy of Trans Unions explanation why the XXXX XXXX dropped so much which does not apply to me. I enclosed a photo copy of the XXXX XXXX XXXX fico score chart and copies of bank statements reflecting Usage and payments of credit cards

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 2020-04-25
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:
( XXXX true Identity theft ) Im a member of the equifax data breach & have filed my claims accordingly i have been attempting to clear credit report of these fraudulent items. 
My personal information was exposed in a data breach. i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help Equifax : CONFIRMATION NUMBER : XXXX XXXX  Report Number : XXXX Report Number : XXXX Date Generated : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$3800.00} ( XXXX ) XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$3600.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX  XXXX XXXX XXXX XX/XX/XXXX {$10000.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX  XXXX XXXX XXXX XX/XX/XXXX {$1700.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$670.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$750.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XX/XX/XXXX {$15000.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX  XXXX {$13000.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX  XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
XX/XX/2020 XXXX Stimulus check amount : {$1200.00} Was depositing my check at a Bank of America ATM and the machine ate my check and didn't deposit it in my account. I contacted the bank, giving them the ATM machine number and was told it could take a 45-50 days for a resolution without any guarantee that the {$1200.00} would be credited into my account in the meantime.

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 2022-03-31
Company: Franklin Collection Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Our Condo HOA provided TV via XXXX as part of our association dues. So I used XXXX for my internet service needs for a couple years at a flat rate of XXXX XXXX  month. XXXX lost the contract with the association, In an effort to retain business, kept the flat rate of {$40.00} for internet services, as each unit paid that themselves. This continued for many months until XX/XX/2020. My XXXX bill went from {$40.00} to {$58.00} but it was already hooked up and working so I remained a customer. In XX/XX/2020 the rate jumped to {$180.00}? I called XXXX assuming there was a mistake for the rate to increase almost five times? Nope. So I cancelled. XXXX stated that I COULDN'T CANCEL? They stated that I had to give 30 days notice from my billing date, meaning I was responsible for this new rate now for almost 7 weeks. I pushed back and said I was cancelling IMMEDIATELY ( obviously - who pays 5 times more for the same service? ) as I was not under any type of agreement or contract. I stated I would pay them the pro-rated share for the less than 10 days of service at the agreed upon rate, but they refused to send me a corrected bill. I cancelled their services in my mind that day, and I returned their equipment. I had XXXX XXXX services installed the next day through their Internet Essentials Program for low income households receiving Medicaid and Food Stamps, and have XXXX to this day. XXXX can not BACK DATE charges and can't continue to bill me for services not rendered, especially since I had no contract. I do owe XXXX appr. {$19.00} and will pay it once they send me a corrected final bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XXXX XXXX I tried to obtain a copy of my free credit report from Equifax. They said that online delivery was unavailable and gave me instructions to request my report by mail. I mailed the proper paperwork on XXXX XXXX through certified mail. It has been more than 30 days and I have not received any response from Equifax. Previously I have tried to add a fraud alert as well and have received no response regarding that either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-27
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX Mortgage incorrectly reported my loan being late 30 days, after contacting XXXX Mortgage they provided me a letter to aid me in correcting the report quickly. XXXX XXXX and XXXX corrected the error and Experian is still not correcting it. I have called Experian 3 times and when requesting to speak to a manager have been told that no one is available, and even been argued with and refused to allow me to speak to a manager. 

It has been over 30 days since I submitted the complaint and still nothing has been done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: EQUIFAX, INC.
State: NC
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:
Still reporting wrong that I still owes XXXX account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I paid my Macys credit card bill in full on XX/XX/XXXX. I did not personally make any charges, either online or in person, between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I received a statement in the mail from Macys showing and outstanding balance due of {$1100.00}. These charges were made in XX/XX/XXXX, in XXXX XXXX XXXX and XXXX, NJ. Both of those locations are 3 + hours away from my home. Neither my husband nor I were in XXXX or XXXX, NJ on the dates that these charges were made, nor did we make ANY charges to our Macys account in XX/XX/XXXX. I have the actual, physical credit card still in my possession, so someone stole the NUMBER and not the CARD itself. On XX/XX/XXXX, I called Macys and CANCELLED THE ACCOUNT and requested a Statement of Fraud affidavit, which they said they would send via email. I then learned that additional fraudulent charges had been made between the statement closing date of XX/XX/XXXX and XX/XX/XXXX. The total amount of fraudulent charges made against my account before I closed it was : {$2100.00}. I have made a report to the New York State Police, and also filed a fraud / identity theft affidavit with the Federal Trade Commission. I am writing to the card issuer, XXXX XXXX XXXX XXXX, to dispute the charges as well.

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 2017-10-27
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is to follow up with my previous complaint that I filed for Bayview Servicing. Bayview servicing put me on worse financial situation. Bayview scheduled a sale date on my home when did n't help me to put me on a payment plan to keep my home. I had to borrow hard loan money with high rate and pay the back payments to Bayview because I want to keep my home. Now, financially I am in deeper debts and higher monthly payment, I am in worse financial situation. I do n't know how long my family and I can survive.I did file for XXXX XXXX to find a remedy but it was a temporary solution. As I learned within last few years, there are different plan to help homeowners to keep their home. Bayview or its investor can lower my rate and or extend the time to reduce the monthly payment, they do n't do it. Selling my home does n't do any good for us. Bayview offers to sell my home but I spent our life saving as down payment and for last few years I paid principal and interest to make equity on my home which can be our future asset, by selling my home all of my down payment and principal payments that I made will get disappear - I do n't get anything back. Where and how I am going to go with family of 8 people. Bayview claims that they conditionally pre-approved me for liquidation options as : sell the property, Pre-foreclosure XXXX, or XXXX. All of these options are in favor of Bayview. If my property has equity on it then I do n't need to be pre approved for the above options because it can be just a regular sale of my home. I borrowed hard loan money to prevent my home auction but this drains my family food and medication resource down to pay the high payments to Bayview and private lenders. I want to keep my home just because of family situation that I have and said for many times in my hardship letter that I sent to Bayview and asking for help to do it. I know there is a way for Bayview and or its investor to work it out with me to lower my monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
ON XX/XX/22 I received an unsolicited Chime XXXX  debit card ending in card # XXXX. I called Chime who told me to submit an email which I did. I received an acknowledgement of the email but nothing about the fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
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:
On my Bank of America credit card, I was charged a {$23.00} late fee in XX/XX/2021 because auto pay was not set up. Auto pay was not set up because i use their mobile app and it is impossible to set up auto pay on the mobile app as they could not walk me through how to do it on the app. I then call to ask them to waive the fee because i have perfect payment history and explained to them i couldn't set up auto pay on the app. They refused to waive the fee. 

Bank of America is purposely making it difficult to enroll in auto pay so they can earn money from late fees.

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 2022-03-31
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX. I have previously opened 2 different cases for this account, the first with XXXX XXXX with case # XXXX, then one with person they say it was sold to which is a violation of my rights because they don't have a contract with me and should not have my information at all, XXXX XXXX  with case # XXXX. 

I am writing because if you look at case # XXXX they have said the account does not belong to them and they can't remove this account. then if you look at case # XXXX they clearly state that they are no longer the creditor on the account and it was sold to XXXX XXXX 

No one wants to state claim to this account, what I am asking CFPB to do is since neither one wants to claim the account and remove it since I have filed a Identity Theft Affidavit for this account. I am asking CFPB to enforce my rights and have EXPERIAN XXXX XXXX remove this account from my file due to IDENTITY THEFT and my AFFIDAVIT has been attached. 

My information to locate my files with both is below XXXX XXXX XXXX XX/XX/1985 XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 non-monetary relief
Consumer complaint received 2021-05-13
Company: EQUIFAX, INC.
State: WI
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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Just pulled up my credit report and still a lot of negative accounts on my name. Why you keep posting this information, its not mine. I m sure that someone have my personal information. I dont understand how I can delete those accounts.

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 2022-03-31
Company: Healthcare Receivables Group, Inc.
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: Reporting company used your report improperly

Complaint:
Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TNXXXX  ( XXXX ) XXXX HEALTHCARE RECEIVABLES Original creditor : XXXX XXXX {$1900.00} Balance updated XX/XX/XXXX Account number XXXX Collection opened XX/XX/XXXX Account type Collection

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Medical-Commercial Audit Inc
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-30
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Requested onXX/XX/XXXX that my insurance be removed from escrow account. Provided written documentation that I had changed insurance companies, provided new insurance company name and policy number. XXXX statement included insurance in escrow, so I paid in full. XX/XX/XXXX requested update and responded to a XXXX  appraisal stating property only worth XXXX with a XXXX appraisal showing XXXX value. Received XXXX mortgage statement still requesting the insurance payment included in escrow, though I also received a letter on XX/XX/XXXX from Loancare LLC acknowledging my new insurance and stating it is my responsibility to arrange for refund from previous insurance company.

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 2022-03-31
Company: Experian Information Solutions Inc.
State: AL
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future 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 non-monetary relief
Consumer complaint received 2022-03-31
Company: EQUIFAX, INC.
State: AL
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation