BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-20
Company: U.S. BANCORP
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Last week I was contacted by phone by US Bank from an unknown number and was left a message about possible fraud on my US Bank issued credit card. I initially disregarded the call, because I do not have a US Bank credit card. I do, however, have a loan with them. Curiosity got me and I looked up a number for the US Bank fraud department and called. After speaking with the agent, we came to the conclusion that it was indeed an account that was opened in my name and identity theft was suspected. After I was transferred to the appropriate department, they informed me that the fraud was noted and they would send me more information in the mail. The next day, I needed to contact US Bank to check on the status of my loan 's payment status. While on the phone I was looking at their web site checking on my loan account there. The web site had the address of the fraudulent applicant! However, on the phone, I was told that the loan department had my correct information. I asked the loan department how and why this had happened, they said that it was the fraudulent credit card application that changed the website information. To change the information on the website back to my correct address, they transferred me to the credit card fraud department, which told me I would have to change the information on the website myself, that is, login and edit the information. So I went to the page only to learn that by changing the address, the bank would mail notification of the change to the prior address -- the fraudulent one! The US Bank informed me there was no way to fix that. So the identity thieves are going to be notified that I am on to them. US Bank also informed me that even though someone -- not me -- had opened a fraudulent account in my name, it was MY onus to make sure the credit agencies were notified. US Bank said they would only notify the credit agencies after US Bank sent me a regular post letter confirming the fraud. It is now over a week and I have yet to see that letter. I went ahead and notified the credit agencies on my own in the mean time. I have since been contacted by US Bank Fraud investigator, who informed me that not only had the card been sent to a different address ( the fraudulent address that was on the website ) than what I had on file with them, but that the card was also activated by a number that was n't mine. That is, the bank issued someone a card who gave them the INCORRECT phone number and address associated with my name. They in fact admitted that the information received was erroneous, but STILL issued a credit card.

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 2022-10-17
Company: EQUIFAX, INC.
State: NJ
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXXccount Number : XXXX XXXX, XXXX. Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: OneMain Finance Corporation
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:
I have written One main several letters asking for verification of this account and updated accurately. they still failed to update it correctly. All three reports continue to show different closing dates and different last payment dates. I have also informed the credit bureaus and they continue to fail to do a proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card
Issue: APR or interest rate

Complaint:
I was given a credit card increase twice on my card from {$300.00} to {$500.00} and just recently to {$1700.00}. My account was sold from HSBC card services to Capital One credit card. They have kept the interest rate from HSBC from 19.99 % to 20.79 %. I called on Monday XXXX XXXX, 2015 to ask could they lower the interest rate. The supervisor told me that she could not lower the interest rate because of the Prime that was going on. I explained to her if I am given a credit increase this must indicate that my credit should be good enough to lower the interest rate. When I send in a payment the interest and fees on the card are more than the payment. The minimum payment does not even help to pay down the balance because the interest on the card is so high.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX Bankruptcy Chapter XXXX account number XXXX has violated my rights. 

15 U. S. C 1681 section 602 A. States I have have the right to privacy.

15 U. S. C. 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instruction. I did not give them written instruction.

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 2015-09-22
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX XXXX has stopped using the Green Tree name and has replaced the Green Tree name with " ditech ''. I received my monthly statement dated XXXX/XXXX/2015. Upon examination of the monthly statement, I noted that all of the " other important information ... '' referred to Green Tree. That this error exists indicates lack of due care in the performance of tasks related to the business being conducted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a fraud dispute claim XXXX with Bank of America on XX/XX/2022 for 3 transactions ( XXXX XXXX and XXXX XXXX XXXX restaurant on XX/XX/XXXX and XXXX gas station XX/XX/XXXX ) with total around {$9500.00}. Please see the attached for the exact amount. I called Bank of America on Friday XX/XX/XXXX at XXXX time to close the replace the current credit card which I was still having on my hand at that moment and reported the fraud of the first 2 transactions, also told them that I received an email from Bank of America on XX/XX/XXXX that my credit card will be shipped via Next day Air shipping to my address ; however, I explained to them on XX/XX/XXXX morning I received an email from XXXX with tracking number and said delivered but I did not received or was handed any card. Moreover, I received an email that saying my credit line increased request was approved which I had never done so. I questioned Bank of America why that happened and if their system was hacked and they denied to explain all of those for me saying that would be for internal investigation. I even did not received any call or text from Bank of America to authorize such a big amount of the transactions. They told me that they will file a fraud claim for me. One week later, I did see the adjustments on my credit card account. However, on XX/XX/2022, I received an email said that my fraud dispute claim was denied because : the physical card or the chip was read/sign. Bank of America deposited the charge again into my account. I called them back and asked them transfer me to a supervisor or anyone in the investigation team that is handling my case and was denied all. I asked them why the investigation team did not check the video footages or ask to see the signature as well as customer information of the store. Why did They just deny the claim by deciding basing on a physical card was read. Again, I still had my credit card at that time. The claim representative just took some note and re-opened the claim on XX/XX/2022. No email or phone call followed up back to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-04
Company: Jim Bottin Enterprises, Inc
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
When I was relocating from XXXX to XXXX, I called XXXX XXXX to inform them I needed to cancel my gym membership. I was told to email a check stub as evidence of my new address. Well I emailed the check stub and a signed later from my supervisor confirming my new address and job. The documents were sent to XXXX @ abcfinancial, but I never got a response. I found out some time later than I was being charged still after I already left XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had had a checking account with Regions Bank ( Tennessee ) for years when suddenly they contacted me a few months ago to say my checking account had been flagged. Due to a Covid-19 business closure, I lost my job and my apartment in 2020, and I've been unable to entirely get on my feet since then. Because I no longer lived in the apartment I had, and because I wasn't at a permanent address yet, they said they were closing my account. They gave me one month to give them a permanent address or they were closing it. I begged them not to, but one month later, they closed my checking account because I was homeless. They gave no other reason, and I had never done anything wrong with the account. All I ever bought was food and gas for my vehicle. Then, I found out that Regions was being made to pay customers back for surprise overdraft fees. They had charged me many overdraft fees in the time I was with them, from XXXX. Did they close my account so that they wouldn't have to list me as a person they needed to pay back? They hurt me, and it was unfair and despicable, that because I was homeless, they were red flagging me and closing my one and only bank account. If they owe me money back from the XXXX demanding it, then I want justice for that, and for them closing my account for a fake reason.

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 2021-09-25
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: Their investigation did not fix an error on your report

Complaint:
What Im not understanding is why Ive had contact with XXXX several times regarding this account. XXXX XXXX XXXX {$690.00} CLOSED/CHARGED OFF Opened XX/XX/XXXX Account # XXXX For the past year since XX/XX/XXXX Ive been calling and disputing this inaccurate account to no avail. I recently disputed in XX/XX/XXXX. XXXX has since sent a letter that theyve been sending for the past year. 2. They sent an email and letter stating that the account in question was verified and validated by the creditor, yet theyve neglected to furnish me with the proper documentation. 3. Ive contacted them 3 times over the past 3 weeks, to advise them to delete this invalid account from my report. Still no avail, Im Am now preparing to start litigation process against XXXX This account has been removed from XXXX as well. 4. Lastly, I have a fraud alert placed in my credit profile, that indicates that anyone who runs my credit profile needs to call me and that was never done .Ive reached out to XXXX several times to advise them on unauthorized account access.

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 2022-05-17
Company: JPMORGAN CHASE & CO.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Company continually attempts to collect a debt that was discharged in a XXXX  Bankruptcy. This is illegal. I have notified this company multiple times through their website, as there is no way to contact a real person, that this was discharged and they need to purge my information from their system. They continue to harass me at least XXXX times a week. When I finally spoke to someone ( a real live person?!! after weeks of attempting to ), after explaining the situation, he hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020, I sent credit dispute letters to XXXX  and Transunion via certified mail as I saw that my credit report was reflecting inaccurate 30 day late payments ( 2 ) with XXXX XXXX XXXX for an auto loan that was already paid off. I submitted my proof of evidence ( copy of bank statements, emails and CA ID ) of payments, the account numbers, and all the pertinent information that would help the bureaus with their investigation. It has been 83 days as of today and I have yet to hear back from either Credit Bureau. I have been patient but this has gone on far too long. I have yet to hear from the bureaus, and when I tried to do dispute this online, I got an email from XXXX stating that the investigation would be completed in XXXX. I don't think its fair to extend the investigation another month, when I've already waited almost 3 months already just in trying to get a response from the bureaus. It is my understanding the under the FCRA, that the credit bureaus are obligated to respond within 30 days to ensure the correctness of the reported information. More importantly, if the disputed items are inaccurate or can not be verified that they are removed from the credit report as well.

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 2022-10-17
Company: EQUIFAX, INC.
State: DE
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. I believe it was reporting in error. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: EQUIFAX, 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:
I've disputed with XXXX, Equifax, and XXXX  incorrect data that each are reporting on my credit bureau. Each company is reporting that my mortgage with XXXX XXXX  is closed, and auto loan with XXXX XXXX XXXX  is closed and being paid through a chapter XXXX plan agreement. I've submitted to all 3 bureaus schedule C documents showing the 2 accounts were filed as exempt, also my chapter XXXX plan of which I the debtor was paying the accounts directly, and not through a wage payment plan through chapter XXXX. I also submitted bank statements showing proof of those deduction coming from the creditors. I learned from contacting each creditor that they were reporting to the 3 credit bureaus that my account was paid on time, and as agreed. I stated in my dispute that I wanted the incorrect data removed from my account since they are failing to report my account accurately. I notified the XXXX credit bureaus that bankruptcy courts does not report to credit agencies and submitted documents supporting my disputes. The inaccurate information is causing severe hardship, and I ask that those companies update my report with accurate reporting, or remove the inaccurate data. ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Billing statement

Complaint:
Has been next to impossible to view one 's current billing statement on line. Now, can not get it at all. Even before, had to roam all over walmart.com to get it. This prevents one from being able to ascertain any fraudulent activity at the earliest point. At this juncture, Walmart and Synchrony are about to " cut off their nose to spite their face '', because at least this account, I wo n't use and they can lose opportunity income.

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 2017-03-06
Company: Innovis
State: CO
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
On XX/XX/2017 I filed an online request with Innovis Event # XXXX ( Proof of Address copy attached pg2 ) requested a free annual credit report. I never received the report. 
On XX/XX/2017 I called Innovis ' toll free line from a number they have in my credit file. I informed the CSR ( XXXX or XXXX ) that I had not received my report. We determined that it was not forwarded from my Arizona address to my Colorado address. He told me that they could only send the report to a verified address and said I could send a PO Box receipt for the new address by fax to Innovis with the event number. 
On XX/XX/2017 I sent a copy of my USPS box renewal notice with my name and current PO Box number to Innovis via fax. I also included a copy an envelope from my insurance company showing my name and the previous AZ address being forwarded to my current PO Box ( see Proof of Address - pg1 ). 
On XX/XX/2017 I received an unsigned letter from Innovis ( " Innovis Letter '' attached ) acknowledging that Innovis had received my fax of Proof of Address but required XXXX " of the acceptable forms of proof documentation reflecting your current mailing address ''. XXXX of the documents options that the Letter lists is a " Post Office Box Receipt ''. Since I already sent the official renewal invoice from my new PO Box , I have already verified the address as mine. 
It is unclear why Innovis believes that the US Post Office can not be trusted to properly vet persons that forward mail. I have not found that to be the case. In fact other major credit reporting agencies have not restricted forwarding of my credit report by the US Post Office to the same PO Box I have verified for Innovis. There is no justification for further delays in delivering my credit report to my verified mail address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: NAVY FEDERAL CREDIT UNION
State: NJ
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:
My credit has been pulled fraudulently. Please remove inquiry

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation