BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-19
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2023 I requested that the following inquiries be removed off my report. I have reached out to the companys and failure to provide me with any written documents that gave consent to inquire my credit report. I did not authorize nor give the credit bureaus any authorization of these following inquiries. I am a victim of identity theft. I also requested that these inquiries be removed within 30 days from the notice that I sent out. Companys where unable to provide me proof that it was me XXXX XXXX that authorized these inquiries it has now been over 30 days. I believe it is essential to maintain the accuracy and integrity of my credit report. I have submitted a claim to the ftc in regards to this matter as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: JPMORGAN CHASE & CO.
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 information incorrect

Complaint:
On or about XXXX Chase Bank pulled a soft credit inquiry from XXXX for 3 of my credit card accounts and based on this information my credit lines were decreased drastically. XXXX reported my credit score at XXXX on XXXX. I called the credit card department at Chase and found the information they were using was incorrect because they based the decision on these three things. Balance owed on revolving accounts too high and i only have XXXX XXXX credit use on my credit cards per XXXX. Chase also said Balances on accounts are too high compared to credit limits and per XXXX of the 38 accounts only two have a balance the remainder is XXXX balance. The last issue per Chase the number of accounts in use is an issue. XXXX is reporting only two accounts out of 38 have a balance. I spoke to Chase and because they decreased my credit limit on erroneous information the only way to fix what they broke I have to submit to a hard inquiry which will stay on my credit report for two years. I was told even then there was no guarantee which is essentially a no win situation because the credit inquiry will be mine to own for the next two years do to no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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:
On XX/XX/2022 to XX/XX/XXXX, several unauthorized charges were made with the total of {$17000.00} which were posted to my account. These purchases were made in stores such as XXXX XXXX, XXXX, and XXXX XXXX in XXXX XXXX. I had reached out to my bank ( Bank of America ) and asked them to freeze the card and filed for credit card fraud. On XXXX XXXX XXXX Bank of America reissued my credit back into my card in its entirety. However, today XX/XX/, Bank of America reinstated some of the charges back into my credit card because " the purchases were made with a chip and verified by signature ''. Currently there are 3 outstanding charges, {$1200.00}, {$7000.00}, {$5800.00}. The bank stated that they felt these purchases were legitimate and that I would be expected to pay. They also stated that if I had felt that the charges were fraudulent, that I would have to go to the stores themselves and ask for proofs of purchase and see if the store can do anything on their end. I find it frustrating that I have to do the work for the bank, instead of the bank trying to protect one of their customers.

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 2021-07-06
Company: Bread Financial Holdings, Inc.
State: CA
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am filing this complaint agai nst US Bank Corporation. I h ad an account with this bank. I was never contacted that there was an issue with the account. The bank reported me to chexsytems before contacting me and allowing me to resolve the problem.

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 2021-09-10
Company: GLOBAL SOLUTION BIZ LLC.
State: CO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX, XXXX I am reaching out to you regarding your XXXX XXXX XXXX with XXXX XXXX XXXX. Your current unremitted receipts balance is {$8500.00} and is due in full immediately. 

We have not heard from you since the default event, and would like to discuss some options for repayment. In the event that we are unable to contact you within the next few days to discuss this issue in a civil manner, we have elected to move forward with a review for litigation, pursuant to our clients rights outlined in the Agreement. If you have spoken with someone in our office and made arrangements, please disregard this email. 

We would like to extend a final opportunity to resolve the debt. Please contact our office immediately upon receipt of this email to discuss repayment. Once litigation has been filed, we will be reluctant to negotiate with you. As indemnitor for the advance, you are responsible for ensuring that it is resolved in a timely manner to avoid litigation. Feel free to contact our office to discuss this further. 

XXXX XXXX Lost Prevention Specialist Global Solution Biz, LLC. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Ext XXXX ( XXXX ) XXXX direct XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: ONEMAIN FINANCE CORPORATION
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
For the previous several months, I've received dozens of e-mail and postal mail notifications of "pre-qualification" for a loan from One Mail Financial ("OMF"). After checking (apparently censored) reviews of OMF available at XXXX XXXX (see attached screenshot, XXXX), I opted to apply for the minimum loan offered by OMF, $1500.

I completed the application form, and agreed to allow OMF to pull my credit report, resulting in a "hard inquiry".

I applied and was surprised to be offered a $XXXX "secured" loan in lieu of the $XXXX installment loan I applied for.

I decided to dig a little deeper into reviews of this company and found 100s of complaints of this exact behavior (see attached image XXXX). The story is the same each time; the company lures prospective borrowers with promises of easy terms, then after capturing the applicant's data, OMF offers completely different product.

Now, I don't know if this would be considered a bait & switch scheme, but it's certainly misleading, damaging to applicants, and hopefully illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: CITIBANK, N.A.
State: CA
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-09-10
Company: NAVY FEDERAL CREDIT UNION
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: Information belongs to someone else

Complaint:
Hi, I am very upset you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent several letters, it's been over 60 days. I need these accounts deleted or updated. These are the items I demand be deleted immediately : XXXX/opened XXXX $ XXXX reporting twice misleading false reporting unverifiable and inaccurate reporting. This account is a duplicate which is a FCRA violation XXXX : Date of inquiry : XX/XX/XXXX XXXX  : Date of inquiry : XX/XX/XXXX XXXX XXXX {$8500.00} XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX NAVY FEDERAL Date of inquiry XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-06
Company: PNC Bank N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I sparingly use my PNC credit cards so its easy to see when they charge more interest than they are supposed to its not hard got see. I carried over a {$200.00} balance on my credit card then 2 weeks later I paid my insurance of {$800.00} my charge wasn't even 2 weeks old but they calculated the interest for 30 days before I had a chance to pay the bill off the following month. I contacted them on XX/XX/29 but the customer service lady kept telling me the interest is based on the average monthly balance which didn't make mathematical sense and she said she will fill out a complaint form for me but didn't know if I would get a call or letter back. whether they call or not the business practices that I see they want to use of milking every XXXX from their customers is not something I want to be a part of I will not use their credit cards again and hopefully I can get in on the next class action lawsuit against them since that seems to be popular. The customer service for PNC is shameful and I will stop being their customer and hope this will help others know what kind of company they are dealing with. this is how they want to do business beware do not use their bank unless you are ok just giving them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
There was an account opened in my name in XXXX of 2014 at XXXX XXXX, before I was XXXX years old. There is also another account from XXXX XXXX that was opened. Both of the accounts are fraudulent and I have asked for validation several times from them, and the credit bureau so that it could be deleted from my report. I have not received any validation and the credit bureau keeps updating the account. The last two accounts are XXXX XXXX which is being reported twice on my report, one as negative and one as positive and paid with the same account number, and then there is XXXX XXXX XXXX which is being reported negatively on my report and the account was closed and paid. I disputed both accounts, with no response or validation sent for the accounts. Last, I asked for validation for the collection debt from XXXX twice and still I have not received anything that attaches any of these debts to me. I have never had an account with 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 2019-04-16
Company: Lake Area Collections, LLC
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/19 paid XXXX to action recovery tols 30 to 90 days off credit bureau still not off On XX/XX/19 paid XXXX spoke to XXXX XXXX XXXX confirmation # XXXX and XXXX with XXXX XXXX told will be off credit 45 days still not off On XX/XX/19 paid to lake are collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX la XXXX to XXXX XXXX for XXXX XXXX if la acct XXXX XXXX conf # XXXX still not off credit On XX/XX/19 of XXXX XXXX with XXXX XXXX  XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX pd XXXX conf # XXXX I have been calling these people because we pd these accounts to improve credit and I keep getting run around about it coming off credit report we are trying to improve credit to refinance our home this has been going on since XX/XX/XXXX and they just keep passing it on please help us XXXX XXXX XXXX or XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: Early Warning Services, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I submitted a request to receive my consumer report from Early Warning Services on XX/XX/2019. The request was read on XX/XX/2019, but I never received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2019, I paid $XXXX on my student loan. This payment was made manually by phone because I changed my repayment due date. The representative of AES advised me to pay manually because my Direct Debit would not be applied. However, on XX/XX/2019, an unauthorized withdrawal of $XXXX was taken out of my checking account by Direct Debit. This wrongful transaction has caused undue financial hardship. I am disputing the period of time that I was told by representative on XXXX XXXX it would take (30) days to receive a refund. My account was wrongfully debited. My rights to disallow me my refund sooner is totally unjustified. Please investigate this matter in order for me to receive speedy resolution to this situation. I am in a dire financial crisis and need replacement of my funds as soon as possible.At first, I was going to resolve the problem by allowing the payment to be applied to the month of XXXX payment but recanted my decision to do it that way.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-23
Company: EQUIFAX, INC.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Im XXXX when I lost my job I inform XXXX  XXXX that I need assistance and I placed a credit protection to pay the minimum payment. in XXXX they close my account because my payment was returned but I placed a credit protection so thats shouldnt happen because I have credit protection so they remove the credit protection without notifying me and that cause card to be closed and also become delinquent from then also they never give me any accommodation from the law 15usc 1681S-2 ( A ) ( 1 ) ( F ) and they damage my credit score I attached to documents below one where is show credit protection and the next month no credit protection or that the credit protection was remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-16
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
RESPA Violation. 

Our loan was moved from XXXX on XX/XX/2019 to NewRez. Throughout XXXX, we attempted to make payments to XXXX but they told us it was too late to make payments to them. We then called NewRez, who didnt have accounts fully set up and stated it was too early to make payments to them and to call back in a week. On XX/XX/2019, both borrowers ' credit reports received a negative 30 day late notice for XXXX. This is in violation of RESPAs 60 day grace period.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Experian Information Solutions Inc.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXX XXXX, DEPTEDXXXX, XXXX  XXXX XXXX  XXXX, XXXX XXXX, US DEPT ED, XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit.

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 2021-07-06
Company: SYNCHRONY FINANCIAL
State: SC
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 have sent out a letter to SYNCHRONY concerning my credit report. Due to suspicious activity on my credit report. I simply asked SYNCHRONY to validate and verify the information with that they have on file concerning collections accounts and Hard inquiries that they are reporting on my credit report. They have failed to send me anything that validates or verifies what they are reporting. With failure to do so, this matter doesn't just affect me it effects my family too. I am unable to apply and get approved for a home, a vehicle for transportation, and getting a good job. I would like to be rectified of this matter immediately. I have been trying to get this matter under controlled but got nowhere after 30 days and then a second letter sent another 20 days so 50 days of waiting on a response.

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 2021-07-06
Company: SinglePoint GI
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I previously disputed an alleged collection debt with a debt collection company by the name of General Reveune Corporation on XX/XX/XXXX. It was then removed from my credit report on XX/XX/XXXX. The debt collector illegally added the alleged debt back to my credit XXXX, XXXX  and XXXX  report on XXXX XXXX XXXX The debt collector failed to provide me with a dunning letter within 5 business days that it was reinserted back on my credit report. This is a violation of Fair Credit Reporting Act 611 ( 2 ) ( A ). I would like this account PERMANENTLY deleted from my XXXX, XXXX  and XXXX  credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.. I feel like I'm being taken advantage of and being ignored of my disputes. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2018-02-16
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have an account with XXXX XXXX for my XXXX savings account. 

They are charging {$3.00} per month for balances below {$5000.00}. 

This is completely ridiculous that I have to maintain {$5000.00} per month and the interest earned is 1.5 %. They offer an option to invest the money in XXXX XXXX which is what I have done and because my money is in the XXXX Account they dont offer credit for that. 

I feel this unfair and taking advantage of a captive situation. 

I spoke to XXXX XXXX and they said this is all in the fee schedule.

Company response to consumer: Closed with monetary relief