BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-07
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX and XXXX federal credit union repossessed my car. The company is reporting incorrect and inaccurate account information to all three credit bureau. I never received a letter stating the company was coming to get the vehicle. I was only late 30 days before XXXX repo the car. On my credit report it shows that the car was repossessed in XXXX which is not true I was in the hospital with XXXX at the end of XX/XX/2021 my car was already gone. My car was repossessed on XX/XX/2021 for being 30 days late. 

the are reporting XXXX different account number for the car loan. XXXX account shows the repo and the other account shows the balance after the car was sold. 

account number ending XXXX XXXX is showing {$1800.00} account number ending XXXX XXXX is showing {$17.00} and is saying unsecured for a car auto. This is inaccurate both account number belong to the car loan.

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 2021-01-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
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:
For about ten days prior to XXXX, I was attempting to use my USAA VISA Signature card for both on-line and in person purchases. It was rejected several times so I used another credit card. I thought there may have been errors in entering the card information or system overload during the busy and was in a rush to complete my holiday shopping. I finally called USAA customer services when I received notice from another one of my vendors that my card had again been rejected. When I finally reached customer service, I was told that there was a fraud alert on my card. I then asked why I was not advised of this alert and was told that, according to their records, I had been called by USAA. When I replied that there was no evidence of any call because there was no voicemail on my land line phone and no record of any call or voicemail from USAA on my XXXX. Nor were there any texts or email alerting me of this situation on my phone, XXXX  or email account, all of which USAA has access to. When I explained the foregoing, they said I was mistaken that according to their records I had definitely been called, but they refused to give me the number they supposedly used to reach me.. I find this treatment unfair and unacceptable particularly in light of the fact that USAAs customer base is veterans and their families.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Forest Recovery Services LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I went to visit XXXX XXXX XXXX on XX/XX/2021. I had dental insurance by XXXX XXXX and I checked with them and my insurance would have pay the doctor if she called them. The insurance says nobody from her office contacted them XXXX XXXX 's office office was inadequate to contact my dental insurance and they sent my bill to collection without even sending me a bill ). So far, two errors by her office : 1. lack of knowledge to contact insurance, 2. sending a bill to insurance without sending me any notifications or calls. 

XXXX XXXX had a broken shoulder and was out of job, and the collection did not provide me a way to contact her. The numbers they gave me were wrong, until I found XXXX XXXX 's new office. I talked with the office manager 3 days ago but they have not replied back to me. I can send you the email thread of my email sent to " XXXX '' in which I ask them to call the insurance, even jointly with me, but they did not reply. I had contacted XXXX XXXX 's email at " XXXX '' so I can direct them about the insurance, but she did not reply. I am very tired of this whole process, and I am an American supported by ADA act of congress. The amount of emotional pressure they have put on me is tremendous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
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:
This information is not mine. I have sent letters and called to report this issue for over 4 months. I was informed that the information would be removed. It is still showing on my report. It does not belong to me. 

XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until 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 non-monetary relief
Consumer complaint received 2022-04-07
Company: EQUIFAX, INC.
State: NY
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:
What was the method of verification? This account is in violation with Metro2 compliance. I have yet to receive any notifications about the status since I started disputing these accounts in XXXX XXXX  I am having trouble trying to find date of last actively ( XXXX ) on these accounts : XXXX XXXX And XXXX, XXXX, XXXX XXXX XXXX XXXX 

I have made several attempts to have these accounts removed. I have no contractual obligations with any of these companies reporting on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Im unable to access my membership online and Im getting error messages and I would need a ticket to put in to fix the error on my Experian credit report account unable to see my credit score and dispute any items

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 2019-10-11
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
CRA has continually reported unauthorized inquiries on my credit pofile.

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 2022-04-07
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was at a Wyndham XXXX XXXX  presentation in XXXX  with my wife. The sales rep said they needed my social security # in order to see what type of time share package I would be eligible for. At no time did the two representatives that did the presentation said anything about me applying for a credit card. We spent 2-3 hours at the presentation and about a half hour after we left, I got an email stating I have been approved for a Wyndham credit card. I never authorized anyone to apply for a credit card in my name. I immediately called the credit card company, explained my situation and closed the card. I tried to contact the Wyndham XXXX XXXX presentation site, but was unable to find a way to call the location directly. I spoke to a sales rep who is unable or unwilling to find out who opened a credit card in my name without authority. 

Secondly, they also did a bait and switch on us. We were told we could sign up for their " XXXX XXXX '' and try out all the time share benefits as a time share owner without commitment. After signing some documents and handing our credit card and financial info over, we discovered the XXXX XXXX have limitations and DID NOT have the same benefits as a time share ownership. The Wyndham XXXX XXXX might have been a decent product, but the sales tactics are so manipulative and deceiving! We were told one thing and then given something 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 2019-10-11
Company: M&T BANK CORPORATION
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I send a payment to M & T bank check number XXXX. The check was post into the bank but not into my 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 monetary relief
Consumer complaint received 2017-10-02
Company: Ocwen Financial Corporation
State: DC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX XXXX XXXX XXXX has filed a foreclosure lawsuit against my property with Ocwen Loan Servicing LLC. Both Ocwen and XXXX XXXX in parity have conspired to commit fraud even responding through the Consumer Ombudsman office. XXXX XXXX the document custodian of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Pass through Certificates XXXX XXXX claims to be the owner, Lender and Beneficiary of the subject Loan. I contacted XXXX XXXX to verify the validity of the attached Limited Power of Attorney. XXXX XXXX VP of XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA called me back and upon asking himto verify the LPOA as XXXX is trying to collect on the DOT and forged note told me to sue them. XXXX 's attorneys at XXXX and XXXX XXXX, who have claimed that XXXX is the Lender and Beneficiary claimed that the Deed transfer occurred on XXXX from the originator the XXXX XXXX XXXX to XXXX XXXX. However since the trust is suing me the PSA nor the LPOA was attached and the XXXX XXXX was the broker, the loan was transferred the day of closing XXXX to New Century who sold it to XXXX XXXX XXXX. The title search from XXXX reveals that only the XXXX XXXX XXXX was listed and no subsequent fillings of transfers occurred until Ocwen and XXXX did an illegal substitution of Deed XXXX and appointment of Trustee between themselves. The letter dated XXXX from Ocwen to the OAG claim that XXXX XXXX is the custodian of the blank Note. This entire transaction and self appointing by the two entities fails as XXXX XXXX filed Chapter XXXX on XXXX XXXX, XXXX and could not have held onto or endorsed the Note Without Recourse in Blank to the Trust that closed on XXXX XXXX, XXXX. XXXX XXXX the document custodian of a long closed trust is foreclosing on properties with forged documents. WRONG company is NOT the answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been a Bank of America customer for over 25 years. I have several bank accounts including an IRA account with XXXX XXXX over {$170000.00} plus checking/savings accounts totally over {$25000.00} On XX/XX/2022, I walked into the bank and deposited XXXX checks from the City of XXXX ( {$5000.00} ) and XXXX XXXX XXXX ( {$12000.00} ) ( both government entities ) with a teller into my checking account at Bank of America in XXXX, CA. When I asked the teller if there would be a hold placed on these deposits, he stated that the funds would be available the next business day. I was told that there would be no hold placed on the funds.In fact, the funds were credited to my account and made availble the next business day. 

However, on XX/XX/2022, the bank withdrew and deducted XXXX of the deposits for {$12000.00} and placed a hold on the funds for XXXX business days. I received a letter from Bank of America ( attached ) confirming this deduction. These are not personal checks. They are checks from government entities and should be honored per federal law, I should have been able to withdraw or use the full amount on the next business day because I made the deposit in person to a bank employee. 

Today, I called Bank of America and spoke to an employee asking to resolve this matter and return the funds to my account. He stated that the check could not be valid and they needed days to verify the funds even though the check is drawn on an account with XXXX XXXX XXXX. I told him that this was unacceptable as I was told that the funds would be available so I could pay my bills. He said that was BofA 's policy and I then stated that I would file a complaint to try and get my funds released.

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 2022-01-05
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 and EQUIFAX- XXXX XXXX XXXX and XXXX inquiries RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 
( XXXX ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 
I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 
The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
{ dispute_item_and_explanation } under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I applied for business finance with a company for a {$30000.00} loan. They applied to multiple other companies without my consent and 11 inquiries were placed on my credit report. I communicated with the companies in question and requested a letter of deletion and receieved nothing. I also called the consumer services of the credit bureaus and I was told that the inquiries were matter of fact and that anyone with a reason can check my credit even if I have a standing security freeze on my reports. the following inquiries are listed below : XXXX/XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX , XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX , XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX-XXXX  XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX., XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXX XXXX, XXXX. XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXXXX/XX/XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On
XX/XX/XXXX 2017, Chase Bank NA sent me three separate letters saying that my three chase consumer credit cards ( all with balances of {$0.00} ) had been closed due to : 1 ) Rapid Increase in revolving balances 2 ) Too many accounts opened recently and 3 ) Too many requests for credit or / reviews of credit.
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They have refused to re-instate my cards, and what is more of a problem for me is that on one of my accounts the Chase XXXX XXXX Credit Card ending in XXXX they have refused to pro-rate a refund of the annual fee of {$450.00} which was paid in XX/XX/XXXX of this year, since I have barely gotten 6 months of use out of this card I do not see it as being fair that they refuse to provide me with a pro-rated refund of the annual fee OR to re-open that account so I can enjoy the card benefits for the full 12 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
A while back while attempting to raise my credit limit on my existing Bank of America accounts I was denied twice and sent a letter stating my accounts were not used enough. Since then I have prioritized using those accounts. XXXX attempted to open an new account that has popped up to me as a personally catered offer so that I can complete a balance transfer. I have been a customer with Bank of America for 10 years and have accepted a XXXX XXXX  member status. I also hold all my assets there and it is my primary wealth management institution. After filling out the application it was denied. I called the credit department and spoke with 3 different reps who told me they will not approve the application simply because the existing accounts are not used enough. I explained my situation to the rep with recently moving across country and having to pay off cards at other banks as well as told her that I have now been using those accounts since getting declined for limit increases. Additionally I mentioned I had a perfect credit score, no delinquencies, perfect payment record, and have been a long customer. I thought that transferring a balance in itself is activity. The rep did not want to hear me. I asked for a supervisor but instead was transferred to a dispute settlement person. After 20 minutes of hold he too was unable to approve the application and stated that they will not be extending any more credit to me than I alreafy have which is miniscule. I am a XXXX and make a significant income, pay all my bills, and am a perfect client. I feel I have been treated unfairly and disrespected today. Additionaly I now have an unnecessary inquiry on my credit report. I dont understand why they make personalized offers available to clients if after trying to use them you simply get declined.

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 2017-10-02
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
From the Equifax website I understand that my personal data was breached. I felt the best protection available to me is to freeze my credit reports. Today, XXXX XXXX XXXX I called Equifax at XXXX and entered my personal information. At the end of the process a message informed me that they were unable to freeze my report at this time and to refer me to their internet sight XXXX. Once again I entered my personal data. At the very end I was told that they could not process my request at this time. 

I feel that my financial situation is vulnerable and that Equifax, who created the situation in the first place, is not doing their part to help those affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: Westlake Services, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Westlake Financial is trying to collect on a debt that was paid off in a sale of the vehicle that I voluntary gave back due to them asking me a lemon. They are reporting this on my credit report and I am just now see it on my credit report four years later. It is pass the Statue of limitations for the State of California. 
The amount they are stating I owe is {$630.00} For 2012. For a XXXX XXXX XXXX.

Company response to consumer: Closed with explanation