BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Around XXXX XXXX, I received a fraud alert from VISA with three charges on it. Two were legitimate, one was not. The charge was for {$320.00} to XXXX cell phone service. I did not order the service and didn't want it. Within a day or so, XXXX delivered a package from XXXX which contained a phone. I did not activate the phone. I tried contacting XXXX online but could get not help. The same for phone calls. I was never able to talk to a person with either. I called the local store. They told me they could not help me, I needed to talk to the main office and gave me a phone number. Again, I was unable to talk to a person. I could not find out what they wanted done with their phone. 
VISA withdrew the charge. Last week I got a letter from VISA saying the charge had been reinstated. I called to complain, explaining I did not authorize the charge, I don't even know what the charge is for, and that XXXX would not talk to me. So, they agreed to do a re-evaluation. 
In the meantime, I again tried to get in touch with XXXX online and by phone to no avail. The local store gave me a couple of numbers to call. Again, all I got was computer generated voices. So, I went to the store located here. They said they could not help me and tried calling the same numbers they gave me and could not get through. Finally, they tried a third number and got an agent to talk to me. He told me the phone had to be returned within 5 days of receipt ( which I did not know ) and the only suggestion he made was to sell the phone to someone or use it. 
Today, I received a letter from VISA stating that since XXXX showed that I received the phone they had to let the charge stand and would not look into it any further. I have never denied that I received the phone. That is not the issue. I did not order it, I don't want it, and neither XXXX nor VISA are willing to take the phone back and remove the charge.

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 2018-01-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I received a letter from Chase entitled " Important Changes to Your Account Terms '', specifically as it pertains to a credit card of mine ending in XXXX. It states that my new Purchase APR will climb by 6.99 % to 11.24 % as ofX/XX/18. It also stated that if I have issue with this rate change and want to " Reject '' these changes I should contact Chase by mail at Cardmember Services, XXXX. XXXX XXXX, XXXX, DE, XXXX. I did write a letter to state that I had been a faithful Credit Card customer for more than 15 years. In that time I stated that I had never been late, had always paid on time ... however, I have never had my APR remain the same or diminished. I have spoken to several representatives who continue to give me the party line which states that my account is constantly reviewed. I never know when it is reviewed either annually or otherwise. As I mentioned earlier I have never had the APR diminished or remain the same. I was also insulted after writing a letter to Cardmember Services that I received a form letter from XXXX XXXX, Customer Service Specialist in which he did not address any of my reasons or thoughts for wanting the Credit Card APR to remain the same or to have it decrease. I find that there is no incentive for Chase on this particular card to a faithful credit card customer and am deeply disappointed in their reaction to my pleas.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I'm just trying to get a credit freeze on my report. I went to the Experian page, gave them all the info they asked for. Was told that it wasn't correct. I then went to their page to upload my ID. It was We can not accerpt this as it is a JPG file. We require a TIFF file. 
Fine. I convert it to TIFF and upload it.

Your session has timed out and the page has expired. Please return to the front page and start over.

We can not accept this as it is a color image. We require a Black and White image. 
Your session has timed out and the page has expired. Please return to the front page and start over. 
Could have said that. 
I load it into XXXX and convert it to Black and White. 
Your session has timed out and the page has expired. Please return to the front page and start over. 
We can not accept this as it is a color image. We require a Black and White image.

UGHHH. I take a new picture of the ID, making sure it's in Black and White. 
Your session has timed out and the page has expired. Please return to the front page and start over. 
We can not accept this as it is a color image. We require a Black and White image. 

They're making people jump through so many hoops just to get what is supposed to be a free service.

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 2018-01-13
Company: WELLS FARGO & COMPANY
State: TN
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:
Applied for the card did n't know that they would run a hard inquiry on my credit report.

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 2018-01-13
Company: Vital Solutions, Inc.
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Was contacted in writing on XXXX/XXXX/XXXX by XXXX XXXX XXXX XXXX XXXX  regarding a debt with XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX referenced a correct account number for an account that I held with XXXX XXXX, and referenced an outstanding debt of XXXX. I have written confirmation from XXXX XXXX XXXX that my auto loan was paid in full effective XXXX XXXX - it appears that XXXX XXXX XXXX XXXX XXXX gained the information about my automotive loan through a review of my credit file via the XXXX XXXX XXXX XXXX ( found via a review of my credit reports completed on XXXX/XXXX/XXXX ). 

I have written a notification to dispute the validity of this debt, and will be sending it via certified mail within the next 1-2 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Disputing Fraudulent Credit Inquiries Inquiries : XXXX XXXX  XXXX Inquiry date : XX/XX/2022 XXXX XXXX Inquiry date : XX/XX/2022

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 2018-11-14
Company: Experian Information Solutions Inc.
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 am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account doesn't belong to me..I asked for evidence to prove the account is mine but Experian did not provide..This error has greatly lowered my credit score..CFPB amp up and delete the accounts : XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX ( Original Creditor : 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 2018-11-14
Company: United PanAm Financial Corp.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Experian Information Solutions Inc.
State: DE
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:
XXXX Who services my loan has put 12 missed payments on my credit report although I only missed 2 payments a year and a half ago. I only make one payment a month to them and do not understand how 12 late payments can be on my report, they refuse to take them off and I have called both the credit bureaus and Navient to try to fix the issue but have no luck.

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 2021-04-14
Company: EQUIFAX, INC.
State: DE
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:
XXXX Who services my loan has put 12 missed payments on my credit report although I only missed 2 payments a year and a half ago. I only make one payment a month to them and do not understand how 12 late payments can be on my report, they refuse to take them off and I have called both the credit bureaus and Navient to try to fix the issue but have no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I previously paid off this collection for an old rental payment of {$1200.00}. Once I spoke with the collections agency and it was paid, I requested the collections to remove delinquency from my credit report and the representative told me that they could not remove it. I confirmed that although the collection was paid in full that it could not be removed and the representative told me they are not able to remove the delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: First Credit Services Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have made several attempts since XX/XX/XXXX to cancel my membership due to a XXXX illness. I have sent them all of the information they requested to get this done under these special circumstances and they ignored me, the Indiana Attorney General ( for 2 months ), and refuses to give me something in writing stating that my account has been closed. I asked them to call the collections agency they hired so that the inaccurate reporting can be removed and they said that " it's nothing they can do ''. I asked to speak with XXXX but he seems to be a ghost and is never available to speak to anyone, according to the manager XXXX. FIrst she tells me that " Ppl normally pay {$50.00} to get out of collections but you situation is totally different so you don't have to worry about that. '' She told me this on XX/XX/XXXX. Today, XX/XX/XXXX, she says that I do have to pay the {$50.00} since I told them not to charge my account instead of having it frozen..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: The CBE Group, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Im receiving 4+ calls a day from various numbers from the same company. When I answer, there is no one on the other line sometimes for at least a minute and after Ive said hello many times, then I hear a click and someone asks for me. I answered again today and they didnt identify themselves but I said to stop calling me. I called back to see what the recorded message says and it says CBE group. They never leave a voicemail, and continue calling back to back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I use XXXX to buy cryptocurrency and every time I make a purchase XXXX tells me that TD Bank blocked the transaction. I 've tried purchasing Litecoin 4 times already for the amount of {$200.00} each time and it 's blocked every single time by TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Bread Financial Holdings, Inc.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I Paid our account in full on XX/XX/2021. - {$470.00}, but a " minimum interest charge '' was applied as the payment was processing, so the bank carried that {$2.00} over to the next cycle, leaving me unaware of a balance even being due. So they then tacked a late fee onto the account, along with another {$2.00} minimum interest charge. And then reported us as 30 Days Late to the credit bureaus. 

The missed payment was during the XXXX shut down while we were dealing with related health complications. 

I've paid the balance due in full, which includes 3 months worth of late fees and 3 months worth of minimum interest charges. We are now out the money and have been left with a 30 day late mark, right in the middle a national pandemic, and while we are right in the middle of underwriting to close on our home, which is located in a completely different state.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: PNC Bank N.A.
State: OH
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 hold a mortgage through PNC Bank, as well as a checking account and a home equity line of credit. My original mortgage was opened in XXXX of XXXX, although I have refinanced it twice ( both times with PNC ). Because of the mortgage account, PNC offered a free checking account ( and in fact, they require you to have it along with the mortgage ). 

On at least three occasions ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), PNC has assessed a $ 15 monthly fee to my account even though this was not in accordance with the terms of the account. Two of these three charges overdrew the account. PNC has admitted the error was theirs each time and reversed the charges, including the additional overdraft fees. 

I am writing because this practice is unacceptable and puts an undue strain on customers. I should not need to police my unwanted checking account to make sure the bank is complying with their own policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter to XXXX XXXX on Tuesday, XX/XX/XXXX asking to verify a debt for XXXXUSD that is being reported on my XXXX credit report. 
They did not respond to me within the allotted thirty days. However, it appears that the debt was then sold to a third party collection agency- XXXX XXXX XXXX XXXX XXXX . 
Now, XXXX XXXX XXXX is reporting I owe XXXXUSD as well as XXXX  reporting that I owe XXXXUSD for the same account. 
I contacted XXXX on Friday, XX/XX/XXXX and tried find a resolution to this problem and no one notified me that I could make a formal dispute. They told me to contact the CFPB if I was having problems. 
I contacted the CFPB afterwards and was only told by them that I had a right to make a formal dispute through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Financial Recoveries, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
they say these accounts is accurate after dispute but fail to validate so please validate these account.

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 2018-09-04
Company: LEXISNEXIS
State: GA
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: Information is incorrect

Complaint:
LexisNexus is reporting the wrong information about my property loss history. I have try twice with them to correct the problem. My insurance XXXX confirmed to them that those losses was not homeowners related rather a electronic repairs. With all that LexisNexus is keeping this information on my property report that is not allowing me get affordable homeowners insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: EQUIFAX, INC.
State: MS
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:
INQUIRIES / Hard pulls/Negative Also without my permission from XXXX XXXX on XXXX XXXX and Equifax XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
INQUIRIES / Hard pulls/Negative Also without my permission from XXXX XXXX XXXX Trans union and 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 2022-01-11
Company: DISCOVER BANK
State: GA
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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below account deleted from my consumer report. 
DISCOVER FIN SVCS LLC Credit Card with account # XXXX with a balance of {$1300.00}. 
I demand the reporting company cease and desist pursuant to federal law. The reporting of these account ( s ) is/are violations of 15 USC 1692 c ( c ), The Fair Credit Reporting Act [ 15 USC 1692 c ( c ) ] ( c ) CEASING COMMUNICATIONIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 

The reporting company is in violation of the federal law under the FCRA. The reporting company does not have permissible purpose to report the account information above pursuant to 15 USC 1681 b. I demand this account be deleted from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19
Company: Experian Information Solutions Inc.
State: LA
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 sent a dispute letter via certified on XX/XX/XXXX, to XXXX, XXXX and Experian asking to investigate the reporting or validate the debt of these accounts I have listed. Its been over 30 days and I have not received a response. This is violating my FTC rights. 
XXXX XXXX XXXX XXXX XXXXxxx XXXX XXXX XXXX XXXX XXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXX XXXX XXXX XXXXXXXXXXX XXXX XXXX XXXX 1XXXXXXXX XXXX XXXX XXXX XXXXXXXX

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