BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-24
Company: Credit Karma, LLC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is about Credit Karma. They have seized/locked my account and illegally taken my money without warning or explanation. I have called several times and sent many emails, all to no avail. 

I have been using Credit Karma since XXXX of this year when XXXX XXXX offered them as a way to receive our tax returns refunds. We received the tax refunds, and now, also have started receiving the Stimulus Child Tax Credits as well. 

I am also using this account to make regular payments and also receive part of my wages. 

Then out of nowhere, on XX/XX/XXXX, last week, I realized that all my payments were being rejected and nothing was going through with my Credit Karma debit card. 

I called them the next day, XX/XX/XXXX and tried to find out what was going on. I was told by the customer service rep who answered the call that she didn't and couldn't tell me anything but that somebody will look into it and contact me again. 

I received an email the next day requesting my ID which I immediately photocopied and sent both mine and my wife 's. 

Since then, it's just been series of emails and they still have my accounts and funds locked. My wages were not able to deposit and had to be returned and I'm still making arrangements to be able to receive my pay. 

This situation has is causing not just embarrassments, but trauma and having to go without money for all this while.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XXXX XXXX XXXX, I submitted a letter to XXXX to have a bankruptcy removed from my credit report. In that letter to them I request an investigation into the matter and provide me with any and all documents bearing my signature for said public records on my credit report. I informed them if they were not able to do so the file under the public records of my credit report must be deleted immediately in accordance with the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ). Equifax sent an email on XXXX XXXX XXXX in response to my dispute of the said information above. Stating the information in my public records was verified through XXXX and not the State or Federal Court from which they have stated under the public records. This is in violation of Federal Credit Reporting Act, Section 623 ( a ) ( 5 ). I am requesting your assistance in getting this resolved and have my credit report accurately reflect my credit records.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been with XXXX XXXX XXXX XXXX XXXX XXXX XXXX who is being serviced by Fay Servicing ; so all of my supporting documents were forwarded to Fay Servicing for their underwriters to ultimately approve getting me a mortgage modification. Over the years, their requested documents were sent multiple times as they became out dated due to the long review process. I was forced to file for suggestions of Bankruptcy to stop previous Foreclosure Sales giving Fay Servicing more time to work with my case, until the Court issued an injunction which prevented me to save the house. On XXXX/XXXX/XXXX the specialist I worked with had called to request more documents and on XXXX/XXXX/XXXX, the house was sold in a foreclosure sale. I believe the Bank was not in compliance when they sold the house while the documents were being underwritten. Please help me, CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2017-06-17
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My bank does not update to third party apps in real time. I use an app to check my balance that is better than the mobile app. It causes stress when my balance is low.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried to open an account with capital one and its saids that I already have one open an ill have a lot of debts in my account that arent mine

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
For the 1st time in over 3 years, I have fallen on hard times in regards to making payments on my card. I have never missed a payment and this is the first time this has happened. I have literally been getting automated ( dialer ) calls 4-5 times per day including Saturdays. This is 100 % unacceptable and borderline harassment. I have been in the XXXX XXXX for over 13 years and I am a XXXX XXXX XXXX. I am currently gong through a divorce at in the process of filing for bankruptcy. I am asking at this time that all communication via telephone to CEASE until my attorney is in contact with Chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-21
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Company has repeatedly mismanaged {$430000.00} of my loans. Multiple IDR recertification requests were mismanaged or not accepted in time. Further with their delays, the forgiveness date is going farther into the future. The loans should be forgiven in  XXXX   XXXX , but because of their errors, the dates are in late  XXXX  and in  XXXX . Recently, I have been calling them to confirm IBR re-certification, but no one has called me back. Supposedly, "  XXXX  '' is going to be the person managing my account but I have not heard from him in over 6 months. I spoke to  XXXX  on  XXXX   XXXX ,  XXXX , ID  XXXX . He said my  IBR  recertification paperwork " should be '' accepted though it is not yet. He is not sure why it is takin g 3+ we ek s. ( Mind y ou, the paperwork is literally  XXXX  sheets of paper! ) He tried to get  XXXX  to talk to me initially, but  XXXX  was away from his desk.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-21
Company: Franklin Collection Service, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called to settle the account for my husband on XX/XX/XXXX,due to a balance discovered from our relator agency. Not once did we receive a letter of validation regarding this account. I called to settle the account to proceed with our mortgage loan. Today is XX/XX/XXXX and my ach information has not yet been processed for payment. I spoke to XXXX XXXX and she requested I give her another form of payment. I requested the information on to why my payment had not processed. I explained I do not want to be charged twice for a transaction that has not cleared I need to know the details. I left two messages for XXXX XXXX and still have not received a call. It does not take 10 full business days for an account to be charged with an ACH debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have had bank accounts at Apple Bank for over 20 years. out of no where they said they were uncomfortable with some of my deposits and withdrawals. I am in the XXXX XXXX and have many inflows and outflows of cash. Also, I like to play dice at various casinos. They said they were uncomfortable with my deposits of {$8500.00} in cash and questioned a bank check that I had gotten for a purchaase of a horse for {$29000.00} made payable to the former owner of the horse. I felt like I was targeted and was emabarasedd in the bank after going there for the longest time. I had no recourse. All I was told was that this was a decision by the internal audit department of Apple bank and was not a branch decision. Who are these people? the XXXX XXXX XXXX, they make these decisions and you ca n't speak to them or defend yourself?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: Razor Capital, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I started getting advertisement from lawyers about taking on my case and filing for chapter 7 or 13. I did n't know what was going on until I looked up the state court case with my name on it from Razor Capital on behalf of XXXX XXXX, suing/garnishing me for an old business account in which the bank is closed ( shut down ). I do n't even remember the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I'm writing because I noticed XXXX XXXX  reported hard inquiries in XX/XX/XXXX and ( 2 ) in XX/XX/XXXX on my credit reports. I am requesting the removal of these inquiries from my TransUnion credit reports. 

When I called about an overdraft issue, I spoke with a representative, and she talked to me about the different available offers XXXX  had for me. I agreed to the hard inquiry to increase my credit line and refi. Unfortunately, the number of inquiries I ended up receiving from XXXX XXXX  on my credit report was more than I expected My husband and I are currently in the process of applying for a construction loan to build our family 's dream home. The negative impact of these multiple inquiries could result in a denial of our loan or a much higher interest rate that could cost us a significant amount of money.

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 2022-03-11
Company: EQUIFAX, INC.
State: GA
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:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I 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 instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Incomm Holdings Inc.
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: Card was charged for something you did not purchase with the card

Complaint:
I had purchased two Vanilla Visa gift cards from XXXX supermarket as bridal shower gifts for my daughter-in-law and gave it to her on XX/XX/XXXX. 
Later when she tried to use the cards she found out that there is only {$1.00} on each card. 
She informed me about this issue and I called the XXXX which was on the back of the cards, I was told that the both cards have been used on XX/XX/XXXX in a XXXX XXXX XXXX. 
I informed them that these charges are fraudulent and disputed the charges. 
Their dispute department sent me an application to fill out and email back to them. I received an Email back saying that it will receive complete resolution within 45 to 90 days which is a ridiculously long time. 
The Vanilla Gift card is not a reliable company, the scammers are either within their own company since they are the ones who know when a card is activated or they don't have the proper security to protect their customers. 
After this incident I searched the reviews on these cards and found out that their rating is very low and this disputes happen very often.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
This is XXXX XXXX who is submitting this CFPB complaint myself. BK OF AMER is reporting late as reported in XXXX and XXXX. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( BK OF AMER 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 2022-09-07
Company: Credit Karma, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
XXXX of XXXX and XXXX Ive did a credit card and I gotten denied knowing that it says that it was a good fit to apply so I can get my credit up and buy a house. My action was to check to see if my credit went down and to which it did by XXXX points maybe more but those accounts on my credit are old and they should be gone so I can at least start over

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Experian Information Solutions Inc.
State: NC
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 explanation
Consumer complaint received 2022-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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:
This complaint is about Capital One, not a credit reporting agency. I applied for a business credit card for my small business in early XXXX. Capital One used my personal credit information to adjudge whether or not I should be given the card, which is fine. I checked my credit score before applying on Capital One 's own website ( as well as XXXX XXXX and Bank XXXX XXXX ) and it was XXXX before I applied, and after the most recent monthly update of XX/XX/XXXX. Unbelievably, I was denied the card due to what Capital One claimed was " number of delinquent past or present credit obligations ''. I immediately knew this was not accurate ( an XXXX XXXX XXXX is not possible with delinquent accounts firstly ) as I do not have, and have never had, a delinquent account. I asked Capital One for an explanation and they said " ask XXXX ''. So I pulled my XXXX report and as expected there were no past or present delinquent accounts on my report. XXXX confirmed there were none reported as well. I contacted Capital One and asked to escalate my complaint, indicating that I had the credit report they claimed to have used and it did not indicate the problem they said existed. I insisted that I speak to the person, or people, who made this decision. Capital One said I could not talk to the department involved. I again explained I had evidence of incorrect information being used to decline my application, but they refused to provide any possible way to address the problem. Further, they refused to give me an email address so I could communicate my complaint in writing. I did mail them a letter and they responded on XXXX XXXX giving me the exact same phone number to call that I had already exhausted. A circuitous stonewall with no definable outcome available. This is not how this is supposed to work. Capital One should not be able to decline my application based on made-up information, then refuse to give me a means to dispute it. Further, I am not sure how it is even ethical to reject someone with an XXXX XXXXredit scorXXXX ( it has now gone down due to Capital One 's inquiry of course ). I have attached the declination letter from Capital One, my XXXX credit report clearly showing zero delinquent accounts and a screenshot of my credit score history from the Captial One CreditWise page that shows my score at XXXX last month when I applied, as well as B of A score at XXXX at the end of XXXX and XXXX XXXX in XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: EQUIFAX, INC.
State: PA
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/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: EOS Holdings, Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This is apparently a debt owed by my husband 's son XXXX XXXX. They call almost daily and I 've told them he 's a XXXX yr old man who does not live with his daddy. They call from XXXX. They said they are with XXXX in XXXX Mass. although that is not a XXXX area code. Address I was given by a XXXX was XXXX XXXX XXXX XXXX Mass. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: J J Marshall & Associates, Inc
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX. My daughter had XXXX XXXX done. The XXXX is saying I owe a balance of {$990.00}. My daughter had dual dental insurance that paid for the services.

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