BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-26
Company: LEXISNEXIS
State: MO
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:
Let me start by letting you know Im getting very frustrated as I have been trying to resolve this with you for over a year now. You recently sent me a letter which stated that you verified that a bankruptcy is accurately reporting on my credit report. I wrote back to you on XX/XX/2021 and did not receive a response and the disputed information still remain on my credit report causing harm to my character. Ive filed complaints with CFPB and the Missouri Attorney General against your company after I have documented that you are not telling the truth. I have evidence from the courthouse that this information was never furnished by them so your company DID NOT follow proper procedure to obtain this information. 

There is no such thing as a public record for the consumer because I have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

You can not continue to violate my consumer rights!

If you investigated this bankruptcy, tell me who you interviewed and if you interviewed them, it should NOT include facts pursuant to 15 USC 1681a ( e ). The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: U.S. BANCORP
State: KS
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:
I have disputed fraudulent charges with US Bank multiple times for the past several years. I have never disputed the validity of the credit card, only the charges on the credit card. Every response, they claim that the card is valid - which it is - and refuse to investigate the charges I have indicated which were fraudulent. Fraud is proven on multiple occurrences by the issuance of a new card with a new number. 

Each time I have requested copies of all my statements yet they continue to refuse to send me the requested statements. To attempt to satisfy the request, they sent some statements but did NOT send the statements I requested. 

In addition, US Bank has blocked my access to the account online and access to statements so that I am not able to review or continue to dispute individual fraudulent charges. 

Blocking access to my credit card purchase history is in strict violation of multiple federal statutes and regardless of complaints, US Bank still refuses to provide the requested statements or access to my account history.

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 2017-09-08
Company: EQUIFAX, INC.
State: NY
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:
According to their website : XXXX XXXX XXXX Equifax " ... believe that your personal information may have been impacted by this incident. '' Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk for identity theft. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
During TD Bank 's botched system upgrade which made the news : XXXX : XXXX I was unable to access any of my accounts for 3 months due to technical problems that had to be fixed by TD Bank 's IT department. This was resolved in a phone call. 

This is fine because I had automatic payments set up to always pay $ XXXX/month. 

But as you can see, the payments were not being applied to statements and late fees were assessed before 30 days after the last payment. This issue was fixed later. 

I spoke to customer support multiple times about this and they refused to provide any assistance despite this being their fault completely.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-16
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I received a Visa Gift card issued from XXXX XXXX, I didn't pay attention to the fine print, it turned out that if the card is not used within 12 months, it starts to lose {$2.00} per months. 
I called the # provided on the back of the card, 12 months of charges were re-loaded but I was told they can't go beyond 12 months. I say this is a rip off and no one should use there types of gift cards because people tend to forget what they have and most don't check the fine print.

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 2017-09-08
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
On XXXX/XXXX/XXXX, XXXX revealed 143 million accounts with personal info had been hacked. They mishandled my information, which puts me and millions of other people at risk. On XX/XX/XXXX, I was listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. I can not enroll for ID protection until XX/XX/XXXX, which is unacceptably late. I had to apply a fraud alert on all my credit reports. 

It is also scummy that enrolling on this equifaxsecurity2017.com removes me from any arbitration proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
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: Didn't receive services that were advertised

Complaint:
Equifax mishandled my credit information, which puts me and millions of other people at risk. Currently, I am listed as a potential victim according to their XXXX website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/2019, I purchased two items from the duty free shop in XXXX XXXX using my Bank of America Travel Rewards credit card. Total amount for the transaction was XXXX euros. I have the receipt as proof. With the exchange rate at the time, it came to about {$410.00}. However, my credit card was charged {$470.00}. So I disputed the difference, which is {$61.00}. 

During the dispute process, the merchant provided Bank of America two receipts. One for XXXX euros ( the one I also have ), and a second receipt that I was never made aware of at all and for a different amount. Based on that second receipt, Bank of America decided to rule in the merchant 's favor. 

As mentioned above, I was never made aware during the sale that I would be charged a different amount than that of the receipt originally provided to me ( for the XXXX euros ).  Furthermore, I don't understand why Bank of America isn't concerned that two completely different receipts are being provided to them from the merchant, and Bank of America is only going to consider the second receipt when making their decision.

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 2021-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/21 at XXXX I received a call on my mobile device, displaying " Bank of America '' on caller ID. I answered to hear a pleasant voice of a gentleman on the other end. He was calling to inform me of " suspicious '' activity on my card. He went on to inform me of the purchases and the amounts of the purchases made on the card ending in " XXXX XXXX XXXX XXXX ''. He knew the last 4 digits of my bank card. He went on to provide further purchases I had legitimately made and the stores I had made them at. He knew of my transactions. Immediately, I told him I had not made the out of state purchases. I informed the gentleman that my card must have been compromised. He advised me to cancel my card. He also offered advice to help prevent this type of fraud in the future. He knew my home address to mail the new card to. He also knew the exact amount of money in my checking account, to the cents. Occasionally, he would excuse himself to put me on hold to continue dealing with the issue on his end. Lastly he mentions that {$2000.00} dollars had been transferred to " XXXX XXXX XXXX '', to a " XXXX ''. I told the gentleman we had to do something immediately because I did not authorize a transfer. He said he would call " XXXX XXXX XXXX '', so he put me on hold. When he returned he said he had a representative named XXXX on the line. I did not hear XXXX introduce herself. The gentleman said we could attempt to transfer the money back to my account by going through " XXXX ''. I questioned the ability to do this with out a phone number. He said it can be done through my email address and that he would help me by talking me through it. He was always " helpful '' .I got on my mobile app through Bank of America , I placed him on speaker and he knew all the buttons I needed to push to transfer the money back to me. I continued to question how the money would return to my account through my email address, he said they were linked. I did see " XXXX XXXX '' name on my " XXXX '' profile. I questioned this and the man went on to say " somehow XXXX has merged with the current profile and is using a secondary mobile number ''. The gentleman reassured me that the transfer was going to return to my account. He told me not to worry. He asked if I received the XXXX code to my phone to authorize the transfer. Initially, I was having difficulty with the process. The man was patient and reassuring. Once the transfer was accepted, the connection was lost. I immediately called Bank of America back, explained what had happen and I was transferred to the Frauds and Claims Department.

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 2017-09-08
Company: JPMORGAN CHASE & CO.
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was issued a predatory loan from your bank in XXXX. Being victimized in this process my last installment was in XXXX. This was a nightmare of a time for my family because I was not given any reliable options of relief that would give me a since of stability. I was sent through multiple loan modifications, monies were taken from me without any result of resolution. Currently I find that this issue is still haunting me, and without my knowledge. Your company filed a claim with my name attached without my knowledge several years after we conducted any business, and that is unacceptable. XXXX is reporting a claimed was paid XXXX/XXXX/XXXX to your company. I called your office on yesterday and was emailed and told information conflicting with what XXXX is reporting. Your company shows that a claim was received XXXX/XXXX/XXXX and it was settled XXXX/XXXX/XXXX, this is conflicting information. The original proceedings were in XXXX. These conflicting dates shows legal remedies were not followed ad I once again victimized. I feel your company drug their feet on making this issue correct. I have being a victim of several tactics for your institution, and it is unacceptable and unlawful. This matter should have been handle in XXXX, and for what ever reason it was not. I am requesting that chase provide me documentation that relinquishes me from their mishaps, and make this issue correct with XXXX and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have potentially been impacted by the recent Equifax security breach where millions of consumer 's private information was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report, its been over 60 days later and I have not received a response back. This company have been taking advantage and ignoring all my disputes. According to Section 611 ( a ), it is stated that a failure to investigate all items within 30 days gives a reason to immediately remove the item from my credit report it has been over 60 days so this item late payment should be deleted immediately. I demand this late payment be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: Quality Asset Recovery LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company : Quality Assett Revovery Collection Date : XX/XX/2018 Account # XXXX I disputed this with Quality Assett Revovery before it even got to collections and explained to them that I was not treated at that hospital on numerous of occasions. I also disputed it twice with XXXX  Credit with them saying the consumer disagree. So finally I sent Quality Assett Recovery two Validation Of Debt letters via mail asking what proof that was me I never gave them my social security number or date of birth better off even my name. I never signed any discharge papers or anything all I did was sit in a room and with the doctor and nurses came in there I denied and never said anything to them I ignored them. Under The Fair Debt Collection Practice Act I have the right to request proof that it was me being treated and the police sent me there against my free will I wasn't hurt or I never asked to go there. so I feel as if the Police Department should get billed because they forced me to go.

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 2017-09-08
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX has an accounts on my credit report that should not be there. Account Type Credit Card M XXXX XX/XX/2016 Account Number XXXX Account Type Credit Card Terms M XXXX Date OpenedXX/XX/2016 Account Status Closed Payment Status Late Payment Status Details Bad debt & placed for collection & skip Status Updated XX/XX/2016 Balance {$34000.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment {$530.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, NY XXXX Ownership Individual Account Original Creditor - Company Sold-to - Original Amount - Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION CHARGED OFF ACCOUNT The collection department was constantly calling my home and job and leaving my personal information with my coworkers. They left threatening messages and I was n't sure what they were referring to. This increased my stress level causing my XXXX XXXX to increase and I began to have further issues with my fibroids. I ended up having emergency XXXX. This account is not mine, it was removed from my report and then added again. As a result my credit keeps decreasing. I am a XXXX XXXX of XXXX and have XXXX child getting ready to go to college. I might have to have loans to cover expenses and if my credit is not up to par then this would be an additional stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Experian Information Solutions 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, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Caliber Home Loans, Inc.
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently completed a VA partial claim loan modification with Caliber Home Loans after exiting COVID forbearance. During this process Caliber adamantly refused to allow me to make payments online, which led to the generation of several of my past complaints. Caliber retained an attorney, XXXX XXXX, after one of my complaints led to a Dept. of Justice facilitated mediation regarding ADA violations I had complained about previously. This mediation ended without either parties being able to come to an agreement. 
XXXX XXXX, Caliber 's attorney advised me to send any paperwork to her office, which I understood to mean payments as well. While my partial claim payment was being processed, I sent those payments to her office, this caused several delays in Caliber receiving those checks. As a term of the forbearance, Caliber did not report my account as delinquent, however now that the loan modification is done, they are now reporting my account as delinquent. 
The last check I sent, dated XX/XX/22, and delivered to XXXX 's office on XX/XX/22, was not processed in a timely manner by Caliber. I also asked XXXX XXXX via email if the check had been processed and never received a reply. Per my records, the check was deposited on XX/XX/22. Caliber reported my account as 30 days past due on XX/XX/22. This error is entirely the fault of Caliber Home Loans, I delivered the check to where I was told to deliver it to, it is outside of my control if it was not applied to my account in a timely manner. As of this writing Caliber states my account is only 11 days past due. I intend to make another payment as soon as I receive confirmation from Caliber and/or their attorney that I can resume making online payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: Rent Recover, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested a signed contract between me and your company. One that I signed and one you signed in early XXXX. It is now XXXX XXXX and your company chose to ignore my consumer rights as well as violate the FDCPA and FCRA. In XXXX I SPECIFICALLY stated that copies of a copy is not legit validation. I stated that I would have liked to seen the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated HOWEVER you neglected to provide it. This is my final notice before litigation. If you ignore my last and FINAL request I will take it as a waiver of all claims.

Company response to consumer: Untimely response