BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are reporting incorrectly that I am 60 120 days past due on the SECURITY partial account numbers XXXX. This account reports a {$0.00} balance and {$0.00} past due. ( Please see pages 14 17 of the attached credit report. ) This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2021-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I had noticed fraudulent charges in XX/XX/XXXX, related to the CA EDD fraud that has inflicted the system both on XXXX and BoA sides. XXXX then requested BoA to freeze several accounts due to the fraudulent actors in order to verify the ID of benefit recipients. 

In XX/XX/XXXX my ID had finally been verified by XXXX. I had contacted BoA for the status on my account and they had instructed me to call back to XXXX, and provided me with no other information. I've called both XXXX and confirmed with my state senator 's office that my ID has been verified and all actions need to be with BoA. I have relayed this to BoA as well, and submitted furthermore unfreeze requests with BoA, the last being in XX/XX/XXXX. After speaking with several representatives, I had then learned about the unfreeze requests and I'm told to wait an uncertain amount of time for the requests to process. It has been approximately 3 months since my first request. 

Each and every further call I am told to wait and only call back to verify the status of my account, or receive a letter in the mail. Due to this issue with no timeframe and deadline, I have been forced into financial strains with no foreseeable resolution due to BoA 's inaction or insufficient service, believed to be contracted by the state of CA. BoA claims to have increased capacity to help assist with these issues but XXXX has processed requests faster than BoA.

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 2019-01-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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:
Dear CFPB Investigator, How are you? 

The report I like to make today is the concern of the potential criminal employee from the XXXX Police Department officer name : XXXX XXXX and her debt collection company name : XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX VA XXXX Potetial Criminal Activities are : Cyber Crime Law - Computer Criminals target people online for various financial scams, which have become so prevalent that many of these crimes go unreported - Harassment and Stalking - Activities relating to material constituting medical malpractice - Procedural laws refer to government agencies and their authority to get electronic data from internet providers, third parties and computing devices Crimes against property - Larceny - Embezzelment I am working on a report for FBI at XXXX, and if you need further assistance please contact me, and thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-22
Company: CITIBANK, N.A.
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
our card was used and we filed a police report and the lady at citi denied our claim she violated our rights under the FCBA and now where out the money that was used plus XXXX in personal time she has the united travel docs to prove that we wernt even in the country

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 2020-12-23
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: Information belongs to someone else

Complaint:
I was a victim of Fraud someone was using my name and personal information to open up an account in Ohio I have never done any business with the following companies : XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX please remove these account from my credit report and sent me an updated credit report. This is the 2nd time I have filed a complaint on this issue. I would also like the fraudulent addresses removed from my credit file as well. My current and only address is XXXX XXXX XXXX XXXX FL  XXXX, My SSXXXX My DOB is XXXX, please delete/remove any other address from my credit report Never lived at XXXX XXXX XXXX, OH  XXXX XXXX XXXX XXXX XXXX , OH XXXX, XXXX XXXX XXXX TX  XXXX, XXXX XXXX XXXX XXXX XXXXXXXX OH  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 2021-06-10
Company: EQUIFAX, INC.
State: TX
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:
This was paid off in XXXX by the insurance company. I was advised updates were submitted to the bureaus. Still shows open. This needs to be closed and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have sent 3 secure msgs and called Comenity Bank yesterday ( XXXX ) about the XXXX $ charge and they refuse to refund it because they say it's been paid. I've never heard of such a thing. I had problems making payments because of their system. I have also informed XXXX & XXXX regarding the service their bank of choice is giving. I may decide just to cease using the card because of the hassle of using it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-01
Company: JPMORGAN CHASE & CO.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I was supposed to receive a credit card bonus of XXXX miles through my chase XXXX card for spending a minimum {$2000.00}. The last transaction had been approved but was still pending. I reached out to chase customer service through secure messages and was told when the transaction posted I would receive the bonus. Then on XX/XX/XXXX I reached out to chase customer service to confirm I would receive the bonus about my pending sale. They then got back to me and said they would not honor the bonus because the transaction was pending after the date required to spend which was XX/XX/XXXX. I was lied to and I was not able to attempt to spend money through a different retailer because they informed me of this AFTER the deadline. This was also after telling me I had met the spending requirement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Transunion is reporting incorrectly that I am 60 - 90 days past due on the XXXX XXXX partial account number XXXX. This account reports a {$0.00} balance and {$0.00} past due. ( Please see pages 11 13 of the attached credit report. ) This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2020-12-23
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:
I was a victim of Fraud someone was using my name and personal information to open up an account in Ohio I have never done any business with the following companies : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX please remove these account from my credit report and sent me an updated credit report. This is the 2nd time I have filed a complaint on this issue. I would also like the fraudulent addresses removed from my credit file as well. My current and only address is XXXX XXXX XXXX  XXXX XXXX XXXX, My SSXXXX My DOB is XXXX, please delete/remove any other address from my credit report Never lived at XXXX XXXX XXXX, OH  XXXX XXXX XXXX XXXX XXXX , OH XXXX, XXXX XXXX XXXX TX  XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX OH XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: Continental Finance Company, LLC
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The credit card company was sold and changed owners, and also switched payment platforms. 

I was on auto-pay and the company never notified me of the changes that were going to be made and caused a late payment. 

I have been trying to speak with someone but everyone I get on the phone tells me that they will not help me. 

Terrible company and worse 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 explanation
Consumer complaint received 2019-05-14
Company: SYNCHRONY FINANCIAL
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 was recently notified that there was a hard inquiry on my credit report from Syncb/ppc ( XXXX, MD ). I learned that this is related to my PayPal Account, which I created a month ago only for an XXXX purchase. I was told that a credit account was established under my name. I never initiated a credit account and believe this is likely a fraud situation. Paypal said they would look into it, but I never heard back.

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 2020-02-20
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 pulled my credit for the time in 8 years and I have many derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX  XXXX {$190.00} XXXX XXXX XXXX {$330.00} XXXX   XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$3300.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$76.00} US DEPT ED XXXX {$6900.00} DPT ED/XXXX XXXX {$6000.00} DPT ED/XXXX XXXX {$3500.00} DPT ED/ XXXX XXXX {$1700.00} DPT ED/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 2019-01-24
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Stated I have an escrow shortage of {$190.00} when I am 100 % XXXX XXXX in Texas not paying property taxes and insurance was payed up. Still taking property taxes into escrow when they should not be. Will not return my calls or emails. Continue to say that they will be doing an escrow analysis on my account a couple days after I call. Escrow refund of {$5400.00} was told to look out for it in mail and haven't received it a week later.

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 2018-03-01
Company: NAM National Arbitration and Mediation
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Keep getting calls from unknown number for a process server named XXXX XXXX, that she is going to be serving me papers and I need to call XXXX regarding account XXXX. I called that number and I talked to a person named XXXX and he stated he is with a company named XXXX. Told me I had an outstanding payday loan with XXXX XXXX XXXX. I do not recall ever having a payday loan with this company. Explained that I would need a Validation of Debt Letter sent to me via US Mail and if this was done I would have no problems paying this. Also explained that I have paid my debts and have proof of all debts I have paid. He told me this company is no longer willing to give me any more time and good luck in court. Then hung up on me.

Company response to consumer: Untimely response
Consumer complaint received 2018-03-01
Company: Convergent Resources, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice from XXXX XXXX concerning a bill of {$400.00} that I supposedly owed to XXXX XXXX. I do not have an account with XXXX XXXX. When I contacted my local XXXX XXXX store in XXXX XXXX Indiana they told me that I had no outstanding debt. I do not understand why this company is sending me this letter I do not owe any money. I feel like this is A fraudulent letter.

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 2020-02-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Creditor Information PORTFOLIO RECOVERY ASSOCIATES {$570.00} XX/XX/2017 I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX   and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
A representative of American Express Legal Department has been calling me in reference to a case, to pressure me to pay the balance owed by a business LLC. The last time this same representative called me was today, XX/XX/2020 from number XXXX at XXXX pacific time. This specific representative is using communication that I find to be harassing in nature, as he repeatedly asked about my husband 's financial assistance to this matter ( my husband is not connected with this account ) and also repeatedly asked about the financial amount I may or may not receive jointly in a tax return from the government. Actually, the first person who ever mentioned me using a tax return to settle this balance was this AMEX representative. I specifically told him that I do not have the lump sum payment for this settlement and that this money ( tax return ) was not only mine to take ( if received at all ). I actually told him that specifically during a previous phone call. I also do not appreciate him asking about my husband 's contribution to paying this debt. While I may have mentioned in a previous call that I was not earning income at the time and my husband was helping me financially, I never brought my spouse up during this phone call today, and I do not appreciate this rep. badgering me about my husband 's assistance and whether or not he could help me. 

Lastly this representative had a very loud tone, one that talked over me, and intimidated me. He even said that the only reason I was able to get an accepted settlement offer for a a different AMEX card balance ( owed by another LLC I operated ), is because the judge ordered me to pay it. This is false information. I never received a judgement from the court for any debt. I also never spoke with a judge specifically regarding any legal requirement ( of myself or LLC ) to pay that balance. I made that financial settlement out of good faith with the attorney representing that case, peacefully, out of court and through email. 

This AMEX legal rep. is abusing his power, and using intimidation and harassment to force me to agree to terms that I can not financially commit to. Of course my natural reaction has been anger, and I yelled back on the phone this last time. However, it was initiated by him and I do not appreciate my husband name, or our joint tax return, being utilized in a harassing manor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: AMERICAN EXPRESS COMPANY
State: MD
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:
American Express cancelled my credit account because of security concerns they said. They said they told me to verify the charges which I did through app before I stopped using their app and was paying of my debt through my debit account. They cancelled it by saying they asked me to verify the charges in 15 days but I never received a e-mail or mail stating I need to take action. My history has badly been affected and I am not in the position to pay off my whole debt Without using credit card at sometimes. I am a student and I really want XXXX to reactivate my account. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: BOEING EMPLOYEES CREDIT UNION
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: Account status incorrect

Complaint:
BECU filed a 60 day late payment report, when they received all payments within a 30 day window. This began with my XX/XX/2020 payment. They processed this payment on XX/XX/XXXX and charged a late fee. I included the charged late fee with my normal on time payment which cleared on XX/XX/XXXX. 

Things became stranger when I went in person to pay my XXXX payment as I have had trouble with checks getting processed in time due to an apparent delay in the mail. The teller explained the system shows a late payment of 60+ days yet they saw all previous payments were made and I only owed what I was there to pay. They notated my account and said it should be fixed on XX/XX/XXXX, on XX/XX/XXXX I received a credit score update with a 60 missed payment report and a drop in my credit score of 100+ points. 

This has now affected my lively hood, and taken several attempts to escalate the reporting within BECU. I feel BECU should be fined for falsely reporting misinformation to the credit bureaus and affecting someone's every day life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05
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: Account information incorrect

Complaint:
Evidently your agency is a sham because you NEVER address or repair the issues. You allow the business to dictate their terms placing me and others in financial bondage via incorrect or incomplete information. I could not find out the disposition to a collection agency report on my file that I was never informed they were attempting to collect. A fdca failure. Secondly wrong information on file. I gave opened complaint with Try gen state of Florida dispute almost a year and a half old.nexrlt even though this company claims I can add my own comments they do NOT ALLOW and only offer their canned responses. We are kept in complete financial bondage. Last they will not provide credit score. On line does not work not auto system. Also cfpb you never correct rejection of last 4 social security entry and email issues. It speaks loudly to who you are! " The following form fields are incomplete or have errors : Social security number ( Credit reporting company ) ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have challenged several inaccurate and false accounts on my TransUnion credit report. However, they have failed to properly, legally, and transparently investigate these accounts which are damaging to my reputation. I hereby ask the CFPB to ensure TransUnion deletes these accounts after any re-investigation which must be completed within 30 days or less. Below I have attached the most recent challenge letter I sent to TransUnion about these accounts to aid their deletion.

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