BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My husband and I signed up to be mystery shoppers. We deposited two separate checks in the amounr of $XXXX each.  The bank released the checks and funds.  This was however a scam and gift cards were purchased and redeemed by the scammer.  We are asking that USAA our bank for over 20 years to be held accountable for releasing these funds from XXXX XXXX in the form of a cashiers check.  They are not protecting us, the consumer.  The scam has been reported to local authorities and the FTC so they are managing the scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX  XXXX {$510.00} XXXX  XXXX {$0.00}

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 2018-09-18
Company: JPMORGAN CHASE & CO.
State: CA
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:
My Chase credit card were suddenly all closed. I called the customer service to reinstate them, I was told that closed account could not be reopened and that I had to apply for new cards. After a while I applied for Chase credit card and my application was denied to to previous unsatisfactory relationship with Chase. At first I argued that I never had any missed or late payments with Chase, but then I was told that there were two accounts from 2004 that were opened in my name and were both charged off. The CS provided me with the Chase Recovery Services phone number. After speaking to an agent I received a letter from Chase that said that the account was opened fraudulently in my name and therefore they removed it from my Chase profile. After a year I applied again and received another letter that application was denied due to unsatisfactory relationship with Chase again. I called this time and was provided with the same number. I called and requested that all these fraudulent account were removed from my Chase profile. I was later told that an investigator was assigned to my case and was given his number with extention. 
I call the number and leave messages but no answer or call back. I am really worried because if I had previous relationship and that was unsatisfactory why I was approved for Chase cards and later my cards were closed. This means that this information was not there. Unfortunately it does not show in my credit report to dispute it, but exists internally with Chase under my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
I have had a recent credit check done, and Bank of America is still showing under my name for XXXX I have contacted the company in the past, also sent out letters and ID theft report, but it has not been removed off my credit. 

I am a XXXX XXXX XXXX XXXX XXXX working as A XXXX XXXX, and I am victim of Identity Theft, I would like to have BANK OF AMERICA REMOVED FROM MY CREDIT REPORT AS IT IS NOT VALID AND FALSE AND FRAUDULENT. 

I have provided proof to show that and attached it 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 explanation
Consumer complaint received 2018-09-18
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: Credit inquiries on your report that you don't recognize

Complaint:
I happened to checkout what was going on with my credit report. I noticed an inquiry, that does not belong to me. Please remove this from my credit report immediately as this is poor judgement with on my credit worthiness. 

Inquiry Date : XX/XX/2017 Business Type : Sales financing company Contact Information : XXXX XXXX XXXX XXXX, FL XXXX BYMAILONLY

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 2018-09-18
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX has received a default judgement against me without proper notification. Judgement was passed XX/XX/2018. I was not properly notified as address on file is incorrect. Midland has been reporting a debt to the credit bureau that has not been properly validated and it has been damaging my credit. The amount and company alleged to be owed is not listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
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:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and XXXX! I can not accept this!

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 2018-09-18
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
THIS IS NOT A DUPLICAT COMPLIANT. 
XX/XX/2018 CFPB Case No. XXXX ACCOUNT NUMBER : # XXXX XXXX XXXX # XXXX XXXX XXXX On XX/XX/XXXX, I spoke to the online manager of Citibank regarding the accounts listed above. I was told that the title of the accounts is under my name as primary account holders, and my children are secondary. For this reason, the accounts listed above are being disqualified to earn promotional bonuses. 
When I visited Citibank on XXXX on XX/XX/2018 to deposit a check, one of the tellers referred me for the checking promotions. I showed my interested then she referred me to the manager. I asked the manager how I could qualify to earn bonuses and meet the promotions requirements. Would my children qualify, being XXXX and XXXX and new to Citi bank? I was told that I wouldnt qualify since I have existing accounts with CitiBank but my children would. I returned to the branch on XX/XX/XXXX to open accounts and I provided my childrens social security numbers and transferred the NEW money from XXXX XXXX XXXX  to their new Citi bank accounts. The manager told me the bonuses would not allocate to the accounts until ended of XX/XX/XXXX. 
After waiting for seven months, the bonuses were not allocated to my childrens account. I contacted the online banking and I was told to contact the branch where I opened the accounts. The branch manager, XXXX told me that the accounts are custodian accounts which automatically are disqualified for the bonuses. I did not know that my childrens accounts were opened as custodian accounts and I have no knowledge that I am the primary account holders for my childrens accounts until online manager told me on XX/XX/XXXX. All I remember that I asked the branch manager make sure that they were using my childrens social security numbers for income tax for promotional bonuses and link their accounts to mine existing Citi Bank accounts for better management. After I opened accounts, I received transaction receipts and a Citibank post note written with my children 's account numbers. Nothing more related to my children 's accounts. 
After I compliant, XXXX offered me for XXXX Thank You points to settle this case. I rejected them because it was Citibanks mistakes which misled me. I am asking the bank to correct their mistakes and pay the accounts listed above back with the promotional bonuses of {$300.00}.

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 2020-09-06
Company: BANK OF THE WEST
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I think it's important to note that I've had a credit card with Bank of the West for seven months before this happened. 

I was solicited by Bank of the West to open a checking and savings account. Because of COVID, I used the online account opening process. My accounts were initially opened in about 3 hours, and I was going to go make my opening deposits in the branch the following day. 17 hours later ( thankfully, before I wasted time sitting in the drive-thru, or then I'd be really mad ), I received an email that my account ( s ) were being closed " based on a secondary review. '' Since the employee had no other data than what would show on a consumer report because there hadn't been any transactions, and I doubt the employee did it just because he felt like it, there was most assuredly a requirement to provide me with an adverse action notice stating the credit reporting agency that was used and the REASON as required by the FCRA. 

I've heard of customers that can't get any account, only a savings account, a savings and checking, but I've never heard of anyone with a positive credit account at a bank being denied a checking account. 

There's another story on here where a customer was told to drive to a  branch to get things fixed, and it wasn't. I was told something similar. " If you open the account in the branch, you might be able to get an account because they use different procedures. '' I called the branch, and was told, " Don't bother. It'll just get closed again. '' These people will shut you down, and it will be inconvenient, costly, or ruin your credit. I was lucky in the sense that it happened before I made my opening deposit. If they'd have done it afterwards, I'd have been in a world of hurt having to wait for them to take their time refunding my opening deposit.

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 2018-09-17
Company: Consumer Portfolio Services, Inc.
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:
i have never in my life had a repossession not only is this completely reporting incorrectly but I have attached a screenshot showing all of the incorrect information reporting on this account. 

1. High Credit XXXX : {$8600.00} XXXX : {$14000.00} XXXX : {$14000.00} How is that credit bureau have a different amount? This is inaccurate. 

2. Date of Last Active XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX I am not sure how each credit bureau can have a different date. This was one account, not three. This is inaccurate. 

3. Date of Last Payment XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX This clearly shows an error and another reason for this account to be deleted for its inaccuracies. 

4. Payment History XXXX : 30 days past due as of XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX ; 90 days past due as of XX/XX/XXXX ; Charged off as of XX/XX/XXXX XXXX  : 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; 60 days past due as of XX/XX/XXXX and XX/XX/XXXX ; 90 days past due as of XX/XX/XXXX ; ; Charge off from XX/XX/XXXX to XX/XX/XXXX. 
XXXX : No late payment history provided. 

As you can see, the late payments being reported to do not match up and make it seem like I have more late payments than I should which are deceiving. This needs to be removed immediately. 

5. Date opened XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX As you can see this neither matches and is another reason this needs to be deleted from my acct. 

6. Monthly payment and number of months are also all reporting inaccurately. 


The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. 

If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ) I have attached a screenshot of my credit report so you can clearly see how this account is being reported. 

I expect to receive a letter stating that this account will be removed from my credit report, or I will have to pursue further action. 

Respectfully submitted, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Accurate Background
State: CO
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:
ACCURATE BACKGROUND REPORTING AGENCY IS STATING THAT I WAS RELEASED FROM XXXX, ON XX/XX/XXXX, ON TWO DIFFERENT XXXX. THE INFORMATION IS INACCURATE. THE ACCURATE INFORMATION IS NOT REPORTABLE, BECAUSE OF COLORADO 'S 7-YEAR LAW/RULE. 

THE ACCURATE INFORMATION IS, I WAS RELEASED, FROM XXXX ON XXXX ON ONE XXXX, AND FROM STATE XXXX, ON XXXX WITH THE OTHER XXXX. THE SECOND XXXX WAS A XXXX  OF XXXX XXXX XXXX XXXX XXXX, THEREFORE, TO REPORT THAT I WAS RELEASED FROM XXXX, ON XX/XX/XXXX IS CONTRARY TO REASON, WHEN ACCURATE BACKGROUND REPORTING AGENCY IS REPORTING THAT MY XXXX DATE WAS THE DATE OF, XXXX ALSO, BEING INACCURATELY REPORTED IS, I WAS XXXX XXXX XXXX, INSTEAD OF STATE XXXX, ON THE SECOND XXXX 

THE ABOVE INFORMATION IS NOT REPORTABLE, BECAUSE OF COLORADO 'S 7-YEAR LAW : Colorado Consumer Credit Reporting Act 12-14.3-105.3 states that records of arrest, indictment, or conviction of a crime that, from the date of disposition, release, or parole, predate the report by more than seven years are not reportable. 

THEREFORE, THE ABOVE INFORMATION, ACCURATE OR INACCURATE, IS NOT REPORTABLE, TO THE COMPANY, FOR WHICH, I HAVE APPLIED. THE INFORMATION IS BEING UNLAWFULLY REPORTED, TO THE COMPANY, FOR WHICH, I HAVE APPLIED FOR EMPLOYMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due, in addition this account has been closed. Please keep in mind that it is impossible to past due on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: EQUIFAX, INC.
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:
I have been a victim of IDENTITY THEFT that resulted to 2 accounts being reported to my credit file, which I am not aware of. I reached out to the bureaus but still, these accounts reflect on my reports and are now affecting my job and livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: EQUIFAX, 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:
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 # and contacted the police department and obtained a police report # which 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 :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-08
Company: BARCLAYS BANK DELAWARE
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was called on my cell phone by XXXX XXXX XXXX on XX/XX/2018 at XXXX PM. The lady on the phone identified herself as XXXX ext number XXXX. She was collecting a debt that wasn't mine. She told me the individuals full name, Date of birth and address. I asked to speak with her manager and she passed me to XXXX XXXX. I informed him of what had taking place and he said he would look into it. I know this isn't your typical complaint. This is however how identity theft happens. I'm sure had I pressed XXXX a little harder I could've gotten at least the last 4 of that mans social security number. I didn't even have to try and she told me all this information. I'm floored that this could happen so easily. I dont ' need a call back I just want this to not happen to anyone else.

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 2018-09-17
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2018 I sent out a certified letter with proof of identification to EQUIFAX in regards to removing the unverified accounts XXXX  XXXX {$8400.00} XXXX XXXX XXXX XXXX XXXX - {$2700.00} Balance from my credit. the listed items are entirely inaccurate and incomplete & represents a very serious error in Equifax 's reporting, I asked to see Verifiable Proof ( a original Consumer Contract with my Signature on it ), in which They are required by federal law to verify FCRA ( Section 609 ( a ) ) They did not provide me with a proof of verification, they replied stating that they have verified the information without the proper document. On XX/XX/2018 I sent out a 2nd letter Stating that they have not removed the items that have not been verified which is required by law and they have had 30 days to investigate in which law requires removal of unverified accounts if unable to verify. As a gesture of my goodwill before litigation if needed, I will restate my dispute. The following information needs to be verified by the credit reporting agency, following failure to verify, deleted from the report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX i emailed customer care after speaking with the below mentioned representatives. Here is what occurred : I did a pay-by-phone for {$3900.00} to be applied to Escrow in XXXX. It was not applied per the bill dated XX/XX/XXXX. I contacted customer service, spoke with XXXX on XX/XX/XXXX @ XXXX MST. Her ID number is XXXX. XXXX was going to apply the amount to Escrow and call me back, XXXX never called me back nor did she make any changes to the account. On XX/XX/18 XXXX, ID # XXXX called and advised my mortgage payment was late and fees were applied. I told XXXX about my previous conversation with XXXX and the payment over the phone. He issued a ticket to apply the funds to Escrow since XXXX did not. 

I requested an email or letter confirming the matter has been handled and that Freedom Mortgage reversed any fees and they DID NOT issue a late-payment notification to the credit reporting agencies given all of this was by no fault of my own, XXXX confirmed this on a recorded line. I also advised XXXX that I need a follow-up phone call to speak with someone regarding the matter once it has been handled, either later today or tomorrow. I did not receive a letter confirming the events and the matter was closed. 

XXXX did not get the account issues resolved and it appears nothing was done. Because then I received another call from a different rep, his name was XXXX, ID # XXXX on XX/XX/XXXX at XXXX MST. We reviewed the account and its history, he apologized for the repeated mistakes. I issued a escrow payment that day to Freedom Mortgage in the amount of {$3900.00}. XXXX said he would call me Monday morning, XX/XX/XXXX with an update and that he would escalate the account to a manager as well. XXXX never followed up and I received letters from Freedom Mortgage stating my account was past due and that was reported to the credit agencies. 

Then XXXX ID # XXXX called me on XX/XX/2018 at XXXX to tell me my mortgage payment is going to increase. We reviewed the account history and discussed the issues. Resolution is still pending and Freedom Mortgage acknowledged receipt of my written complaint received via email on XX/XX/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