BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America closed a personal checking account in XX/XX/XXXX without notice. 
The impact of the actions is seen on the credit score which thus far has been in the 700s and has dropped to below 600. 
Communication with various front line staff has not provided any feedback as to why the Bank suddenly closed the account after being a customer from XXXX. 
The resultant implications include : not being allowed employment on account of credit scores Communications with possible employers Intent to repossess property which is mortgaged through XXXX under XXXX XXXX Requiring information verbally but not providing any written documents thereafter for more than 30 days.

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 2022-08-17
Company: TRANSUNION INTERMEDIATE 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX ******** XXXX Date Opened : XX/XX/16 Balance : 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 2020-08-15
Company: Choice Recovery, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I do not own or know these accounts. I demand an investigation and removal of these accounts that do not belong to me. The Monthly Payment, Terms, Credit Limit, Past Due, and Date of Last Payment are missing in this report. I am wondering why it ended up under my name. This is ridiculous and incorrect. I demand this will be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: EQUIFAX, INC.
State: CA
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 recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-27
Company: CAVALRY INVESTMENTS, LLC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Over XXXX years ago XXXX XXXX XXXX charged off a debt. Its so old that its no longer showing on my credit report and they are out of business ( see document attached ) so there is no way of verifying original creditor or amount. Cavalry SPV LLC is trying to attempt to collect that debt. This is a XXXX party debt collector. The debt and the statute of limitations has expired on the original debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: WELLS FARGO & COMPANY
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2020-08-15
Company: American Credit Acceptance, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX  has not removed 30 day late due to national disaster AMERICAN CREDIT ACCEPTANCE has stated on credit report due to national disaster XXXX XXXX XXXX XXXX XXXX ss # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my report.

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 2020-08-15
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: Investigation took more than 30 days

Complaint:
XXXX has not removed 30 day late due to national disaster XXXX XXXX XXXX has stated on credit report due to national disaster XXXX XXXX Transunion XXXX XXXX ss # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas 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 2020-08-15
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
TransUnion is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
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:
As of XX/XX/2023 Ive notice this fraudulent account XXXX Amount owed XXXX $ this is a list below of fraudulent inquiries below 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: Commonwealth Financial Systems, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
XX/XX/XXXX - J.P. Morgan Chase closed all my credit card accounts and informs me that I would receive a letter stating their reasons for closure. At the time, I had XXXX Ultimate Rewards points. 

XX/XX/XXXX - I received the letter from Chase ( see attached ). On it, they state If you redeem rewards through Chase, you have at least 30 days to use them or youll lose them. 

XX/XX/XXXX - Attempted to transfer XXXX Ultimate Rewards to XXXX. Received confirmation number, but transfer does not occur. See attached confirmation screenshot. 

XX/XX/XXXX - Attempted second transfer of XXXX Ultimate Rewards to XXXX. Received confirmation number, but transfer does not occur. See attached confirmation screenshot. 

XX/XX/XXXX - Attempted third transfer of XXXX Ultimate Rewards to XXXX. Received confirmation number, but transfer does not occur. See attached confirmation screenshot. Additionally faxed my information to the J.P. Morgan Executive Office for review. 

XX/XX/XXXX - Executive office calls me and refuses to initiate transfer, despite terms stating I should be able to within 30 days of account closure. They cited bullet Before your rewards are used or transferred, you can lose them for program misuse, fraudulent activities, failure to pay, bankruptcy, or other reasons described in the terms of your rewards program. I asked the representative to inform me what term I actually violated to warrant their action and they refused to inform me, stating that they did not have to and simply recited the reasons for credit card account closure, which do not have any bearing on the ultimate rewards program. Additionally, as of today, XX/XX/XXXX, the rewards balance of XXXX remain in my account. See screenshot attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: PlusFour, Inc
State: AZ
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 a loan with XXXX XXXX ( Original Creditor : 12 XXXX ), PLUSFOUR INC ( Original Creditor : XXXX XXXX ), and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX I ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX ( Original Creditor : 12 XXXX ), PLUSFOUR INC ( Original Creditor : XXXX XXXX ), and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX I ) with no successful resolution. There was definitely an error on their part.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: Experian Information Solutions Inc.
State: NM
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, Experian and XXXX XXXX are not responding to any of my requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 and Trans Union are not responding to any of my requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.

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 2022-09-15
Company: TD BANK US HOLDING COMPANY
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2022 I noticed a payment debited from my checking account for the full Balance owed on my credit card XXXX. I spoke to them explaining how complicated their website is to make payments and that wasn't my intentions. I spoke to a supervisor and they said in 10 days they would credit my account back XXXX dollars and place the balance back on my card. I asked if I needed to call back to do this and they said no they made a note of it and it would be taken care of. By XX/XX/XXXX this did not happen I called back and they had no record of this arrangement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-15
Company: Alliance One, Inc.
State: AZ
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 a loan with XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and ALLIANCEONE ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and ALLIANCEONE ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-15
Company: TSC Accounts Receivable Solutions
State: AZ
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 a loan with TSC ACTS REC ( Original Creditor : XXXX XXXX XXXX XXXX  ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, TSC ACTS REC ( Original Creditor : XXXX XXXX XXXX XXXX  ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: EQUIFAX, INC.
State: CA
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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: SYNCHRONY FINANCIAL
State: AZ
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 a loan with XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ), XXXX, and SYNCB/LOW. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ), XXXX, and SYNCB/LOW with no successful resolution. There was definitely an error on their part.

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 2015-12-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
When we obtained a mortgage XX/XX/XXXX, we had to accept an ARM mortgage with an interest rate of 8.25 % due due to a high ratio of debt. From that time, to the present, we have had two late payments ( missed deadline by 1 day and the latest late payment is explained below ) and have reduced our debt, however every time we try to remortgage at a lower interest rate, we were turned down. Our mortgage payment is XXXX. Currently, we are in the process of a no-fault, amicable divorce and we need a lower rate/help for approx 4-6 months due to the added expense of the divorce process until we can sell our house XX/XX/XXXX. XX/XX/XXXX, we did only had XXXX for the mortgage payment and contacted Chase. They let us miss the payment but added a portion of the missed payment to the next 6 payments making our monthly mortgage XXXX. We just tried to remortgage but Chase refused saying we have a late payment. We now receive mail packet after mail packet telling us they are here to help. This is a joke because they refuse. We need help or we may go into forclosure. We only need help until the house is sold. If our interest rate is reduced we would lower our normal payment from XXXX to approx. XXXX which would be a god send.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: WELLS FARGO & COMPANY
State: AZ
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 a loan with XXXX, WELLS FARGO, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, WELLS FARGO, and XXXX XXXX  with no successful resolution. There was definitely an error on their part.

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 2016-02-21
Company: Consumer Portfolio Services, Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Consumer Portfolio Services has been calling me at work on my cell phone about a loan I have nothing to do with. I did not co-sign the loan or assist in getting the loan in any way. Sometime in the last two years my husband purchased a car which Consumer Portfolio Services apparently financed. My husband lost a high paying job when the economy went bad all of are financial affairs are completely separate. I have not co-signed any loan for him or in any way assisted him in getting that loan. For months Consumer Portfolio has been calling me at work. I work in the XXXX and can not be receiving calls like that at work. I have told them to stop calling me on my cell phone and they wo n't. I have told them to stop calling me during work hours, they wo n't. On XXXX XXXX, 2016 I sent them a certified letter telling them to stop calling me on my cell phone while I 'm at work and that my name was not on that loan. They continue to call me twice a day even after I sent them the certified letter.

Company response to consumer: Closed with explanation