BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-28
Company: JPMORGAN CHASE & CO.
State: PA
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:
Dear Sir or Madam : Please note that my Case Amazon Visa Card, since 2019, always had a credit limit block, until last week, without notice. I callled Chase bank and they stated, " As a courtesy to our customers during Covid, we lifted the credit limit block, '' which led me to go severly over the credit limit. Its to the point where I don't know how I am going to make the payment,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-13
Company: Bread Financial Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am suffering financial hardship and having difficulty paying my bill to Comenity Bank that holds the account on my Big Lots credit account. 
Comenity Bank does not observe rule under the FDCPA of calling 7 times within a 7 day period, or once within 7 days if they have spoken with me. 
I have record in my phone of at least 4-5 phone attempts PER DAY. Today, XX/XX/23 they have made 2 attempts within a 19 minute period. 
I also recall within the last week that I spoke with someone and asked for the repeated calls to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20
Company: EQUIFAX, INC.
State: VA
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:
This is my fourth attempt. My next step is to hire. Frca attorney, the law is for all medical bills under XXXX be remove from consumers credit report. It clearly stated on Equifax website. Remove all medical bills off my credit report immediately. 

The law. 

Two-thirds of medical collections on credit reports will no longer be reported. Starting in 2023, medical collections tradelines less than {$500.00} will no longer be reported on consumer credit reports. Medical bills under {$500.00} are significantly more likely to remain on a credit report for longer than medical bills over {$500.00}. For patients and families who have only relatively small outstanding medical bills, the {$500.00} threshold could mean a large reduction in coercive credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: EQUIFAX, INC.
State: DE
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: General Motors Financial Company, 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:
Per USC title 15 1681 [ N ] any reporting of my personal credit without expressed consent is a violation of the law cease and decist all reporting and inquiries without expressed written consent from me the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: ALLY FINANCIAL INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I keep getting a denial of can't verify identity. However, no one tells me what documents to submit in order to verify my identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have been making extra payments to my account to go to the principal amount and Ally kept the money towards future payments. I called after the first time that they did not allocate the additional monies I sent to principal and they said " they do not do that '' - it could only be held for future payments. I checked with other people who told me that if I asked for it to go to principal that it should and I called again and they said they needed my request, in writing. I wrote them an email through their online system and again they said they do not do it that way. I wrote again and asked for an accounting of my accounts and they said they do not do that. My wife then called them ( with my permission which I gave them on the phone ) and she kept escalating it until she got someone who said they would send out an accounting of monies paid throughout the time we have been paying - since XX/XX/XXXX. On the payment history, it says " unpaid balance '' {$8100.00}, but then it states below that the remaining unpaid balance is {$8500.00}. My monthly scheduled payment is {$290.00}. They STILL have not re- adjusted or re-ammortized - in the account online - it states that they have taken the recent additional payments towards future payments and that my next payment of {$180.00} is due on XX/XX/XXXX. I also believe they do not ammortize their loans properly. I have had many loans over the years and have never seen one that the interest rate and principal " fluctuate '' instead of going up and down as on an ammortization schedule.

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 2021-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
on XX/XX/2021, i sent letters to transunion and XXXX  about the inaccurate items as well as the unauthorized inquiries reporting on my credit report.i sent it off usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX.these negative items are stopping me from getting a home and car, plus added stress causing me to go to the doctor more for medication

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 2018-04-11
Company: WELLS FARGO & COMPANY
State: WI
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:
There is an inquiry on my credit report from Wells Fargo, I called to dispute and was told they received the application drom XXXX XXXX. I called Lending tree and they said they don't work with Wells Fargo and that was an error. I just want it removed as I did not give permission for Wells Fargo to do a credit inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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 2022-07-12
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am pleased to see some improvements on my report and some of the accounts which I have disputed were removed. However, there are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 
XXXX XXXX Balance Owed : {$0.00} NC XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$23000.00} XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
State: OH
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:
My personal information was exposed in various data breaches and someone has successful opened up accounts and applied for good, services, and money without my consent. All accounts and inquiries included were unauthorized and I need them removed immediately. I'm looking to apply for a mortgage and these unauthorized accounts are ruining my reputation with the banking system.

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 2020-01-21
Company: Experian Information Solutions Inc.
State: VT
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: Problem with personal statement of dispute

Complaint:
Opened credit account with XXXX in XX/XX/2019. Registered on their website and set up autopay. Charged gas purchases in XXXX to XXXX. In XX/XX/2019 received notice from Experian that credit score had been reduced due to delinquent XXXX account. Attempted to log on to XXXX website and could not without re-registering, which seemed peculiar. Found all the information I had entered to start autopay was there ( see attachment ). I contacted XXXX about two things : 1 ) why hadn't autopay retired any account balance and 2 ) if autopay, in spite of my efforts, was not set up why didn't XXXX notify me of a balance due before notifying Experian? I sent several messages via XXXX 's website about the above and was informed that autopay never got set up. I called XXXX customer service and asked why XXXX hadn't notified me before Experian. The person I spoke with said it is not their policy to notify if a balance is due - at least that is my interpretation of what I was told. Something about " concerns about privacy. '' I think it is reasonable for XXXX to let Experian know that I was not informed about the balance due. Needless to say I have recently re-set up XXXX autopay to forestall the above repeating. My account currently is paid up.

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 2018-10-03
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
After logging complaints to your agency about not being able to access my account at TD Bank and having that issue resolved, TD Bank is now continuing to block me out of my account because I'd mentioned to management in writing that my bankcard has been functioning perfectly at unfamiliar ATM 's for almost a year which contradicts their position that my account had been red flagged due to me using ATM 's that were not used to my banking history. In short, because I've proven that their claims of me not having the correct ID or combination of ID 's to access my account for security reasons and identity theft wasn't a credible stance since the bankcard was never blocked while I'd used it at several unfamiliar ATM 's moving forward, the bank has now blocked the card after not blocking it before for almost a year since I've moved back to my old borough in the XXXX in XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Comenity bank is calling XXXX or more times a day, every day, from early to late. The caller has been HARASSING me for weeks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I was previously with My great Lakes on an XXXX  XXXX  and my loan was transferred to Nelnet this year. I applied for the XXXX plan in XXXX and XXXX the government website it said based on my income and debt my payment plan would be XXXX. Nelnet said they received the application in XXXX and would send me updates every 10 days. I have received no updates. I have emailed XXXX and tried calling XXXX and have gotten no response. I also can not see the repayment plan they've applied to my account anywhere and have received no correspondence via phone, email, or mail on the status of my XXXX plan or even what plan they have me on. Also rather than going down my repayment amount on the website has gone up when it should be XXXX based on my application on the government website. They are trying to hold me liable to payment despite not telling me what payment plan I'm even registered as or updating me on the processing of my payment plan application. 

I applied for the XXXX plan on the gov website on XX/XX/23 and received confirmation it was received on XX/XX/23 from nelnet and that they'd be in touch every XXXX business days to update and I've gotten no updates or information at all on my payment plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I set up and verified an account with Coinbase via the XXXX app over a month ago. Today I transferred {$300.00} and purchased {$100.00} each of 3 crypto currencies on their platform. They prompted me to add two factor authentication. I attempted to do so with XXXX but was ultimately unable to log in on my XXXX. I had logged in on my computer using a text msg to my phone, but then even my computer asked for a code from XXXX, which did not work. In the end I have no way of logging into this account. Their customer service is NONEXISTENT! I chatted twice with two representatives who do not seem to understand XXXX. XXXX said they could escalate my case, but I have no idea when or if anyone will get back to me. In order to log in without a code from that malfunctioning XXXX  app, I was required to upload my photo with the front and back of my drivers license, and they said it will take until late afternoon two days from now, XX/XX/XXXX for them to manually approve this to allow sign in. Note : my log in email for Coinbase is XXXX, not the email attached to my CFPB account. Telephone number is the same for both, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: IL
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:
Bankruptcy- account # XXXX, XXXX # XXXX Bankruptcy- account # XXXX, case # XXXX i pulled my credit report and seeing my bankruptcys on my credit reports and not understanding why when the court house doesnt share information to credit bureaus 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Genesis Debt collection agency is attempting to collect a debt that is not mine. Ive filed a police report and disputed the identity fraud. XXXX XXXX then photoshopped an ID, sent it to someone who they believed were representing me, & then blamed the photoshop on me and notified me they were telling the police. 

If I am contacted back via email, I can forward that email with the photoshopped ID to you all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: TX
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 sent in prior disputes with XXXX, XXXX, and Equifax. They are failing to respond to my request by investigating my request within a timely manner as outlined in the FCRA section 611 ( a ) ( 1 ) subsections A, B, and C. They have no reason to assume the request was not from me considering all the information required to validate and initiate a request was included. I expect them to investigate and complete their investigation procedures within 30 days of my initial retrieval of my request as according to the Fair Credit Reporting Act section 611 ( a ) Reinvestigations of Disputed Information ; which requires them to conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30-day period beginning on the date in which they received the notice of dispute from consumer. I expect to receive notice of any notice of determination within 30 business days after today as outlined in the FCRA section 611 ( 3 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
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:
I have reported to Equifax and other credit reporting agencies that I did not authorize these inquiries 1 ) DateXXXX XXXX XXXX  Company : XXXX XXXXXXXX XXXX 2 ) DateXXXX XXXX, XXXX Company : XXXX - XXXX XXXX ) DateXXXX XXXX, XXXX Company : XXXX XXXX  XXXX XXXX and Equifax told me they will stay on my credit for 2 years

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2020 I became very sick from XXXX issues, and I was out of work for nearly 7-weeks. I was late for the XX/XX/2020 mortgage payment by a few days, but that was due to my inability to work. Finally I recovered to 100 % strength, and I have been on time with every payment since. I could have requested a deferment for 6-months, but instead I decided to fight my illness. I respectfully request for Citizens One Home Loans to forgive my one time late payment for my difficulty last year. I could have requested the deferment but did not, and I believe that I should be entitled this one time courtesy. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation