BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-22
Company: Experian Information Solutions Inc.
State: VA
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 XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-05-22
Company: Experian Information Solutions Inc.
State: PA
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 HAVE STUDENT LOAN/EDU THAT IS LONG TIME PAID OFF AND CLOSED, SOME ACCOUNTS BALANCES ARE INCORRECT THAT THESE 3 CREDIT BUREAUS. XXXX, EXPERIAN, AND XXXX MAINTAIN IN MY RECORDS ON PURPOSE JUST TO KEEP MY SCORE LOW MAYBE BECAUSE I AM AN XXXX XXXX. THEY NEED TO UPDATE MY FILE. THEY ARE SOME ACCOUNTS THAT ARE SETTLED WITH LENDERS THAT ARE NOT EVEN REFLECTING ON MY 3 CREDIT REPORTS. KINDLYACTION NEED TO BE TAKE WITH THESE 3 CREDIT BUREAUS. THANKS.

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 2015-12-04
Company: PNC Bank N.A.
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
i have been advised by my realtors to contact this Bureau. My husband andI acquired a Home Equity Line of Credit in XXXX of XXXX. The prepaymentphase ended this past XX/XX/XXXX. Uneducated and unaware, wewere caught off guard and can not afford the payments. Our home is vacant, we own another home, in the city where we work and live, we aredesperately wanting to sell, sell, sell, the home, but it is not selling. We havereceived a cash offer on the home, a lowball offer, and we have applied for ashort sale with our primary plus our secondary mortgage lien holders. This isthe very beginning stages, I am still faxing in documents. However, the mostrecent appraisal on the home shows {$230000.00} on XXXX XXXX, XXXX. Weowe $ XXXX on the home. This does not include the HELOC which is over XXXX. I haI have missed XXXX payments on the HELOC. But like I said, I am applying forShort Sale status, in the hopes that I get another offer, if this offer does notgo through. At any rate, I have NOT enough equity in the home to pay backthe HELOC even if I were to get an offer for the appraised price. I am not surewhere to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: EQUIFAX, INC.
State: MD
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # 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 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account number XXXX 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 an account with my written instructions.

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 2022-05-22
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account number XXXX 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 XXXX not furnish an account with my written instructions.

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 2022-05-22
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX in Maryland is the bank financing my car loan. The pandemic had just hit the USA and every place was closed. I paid my car note through my bank. One day my bank sent the car note to the wrong address and they penalized me for it. I called XXXX and talked to them but the lady I talked to was very rude. The thing that bothers me the most they did not give me options on how to pay the car note. My credit score moved from the 800 + to 700 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number XXXX 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 an account with my written instructions.

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 2016-03-09
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Advertising and marketing

Complaint:
Was offered XXXX points for the Citi XXXX Card after spending {$0.00} within three months. Called multiple times and was told the points would be added to my account. Talked with numerous managers that confirmed I would see the points. It has been over three months and I 've seen nothing.

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 2016-03-23
Company: CITIBANK, N.A.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Company has hidden interest charges and charging too high of an interest rates on my account stating that there was a special promotion, but at the time of purchase on eye wear there was no mention of it being a special promotion. Sales person said that if you use our coupon you would get more of a discount off your purchase. ( Sears )

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 2022-05-22
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:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account number XXXX 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 an account with my written instructions.

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 2017-04-30
Company: Netspend Corporation
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On  X/XX/2017    I made a complaint to my credit card company and they said to stop this card and they would issue new  one,   and look into the charges. I did this and nothing has ever been sent or any more communications have been sent concerning my unauthorized charges on my card for the following : ( Memo : Debit : Signature purchase from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  # CA  XXXX   XXXX  Card ending in  XXXX  {$24.00} {$390.00} and I was under the impression they were fixing this problem but it is not.   {$1500.00}  XX/XX/17    na.wargaming.net  XXXX   XXXX   XXXX    XXXX    {$1.00} {$1600.00}  XX/XX/17     XXXX   XXXX   XXXX   XXXX   XXXX  {$0.00} {$1600.00}  XX/XX/17     XXXX   XXXX   XXXX   XXXX    XXXX   {$1.00} {$1600.00}   XXXX      XXXX   XXXX   XXXX   XXXX   XXXX  {$9.00} {$1600.00}  XXXX / XXXX /  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  {$29.00} {$1600.00}  XX/XX/17      XXXX    XXXX   XXXX   XXXX    XXXX   {$34.00} {$1600.00} ) I expected more from my card as I have been a customer for some time now. This is frustrating me as i just my money back plus on   XXXX   another purchase was unauthorized for the following (   XXXX      XXXX   XXXX   XXXX   XXXX   XXXX  # CA Posted on   XXXX   XXXX   XXXX     at   XXXX  PM Card ending  XXXX  )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Account Resolution Corporation
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XX/XX/2017 I received a response from a debt validation/hippa request letter I sent to Account Resolution Corporation. They responded with a mere screen print out which does not include contract I signed with the original creditor which is what I requested in my initial validation letter. This company also included medical information that they should have no access to under the hippa privacy laws. I may be submitting an additional complaint pertaining to that matter as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1. i tried to open an investment account with Chase Bank . my account was denied becase Chase claims i owe money to Chase, but refuses to provide any evidence of the debt. Chase also refused my repeated requests to fix the problem and correct their records, insisting that i owe money to Chase, while refusing to identify what amount i owe and for what contract it is owed. 

2. i tried to open a bank account with Chase Bank . my account was denied becase Chase claims i owe money to Chase, but refuses to provide any evidence of the debt. Chase also refused my repeated requests to fix the problem and correct their records, insisting that i owe money to Chase, while refusing to identify what amount i owe and for what contract it is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I bank on line. I make monthly payments to Bank of America based upon the amount shown on line as due and the date due. I get calls from them saying I 'm delinquent. I tell them something is wrong. I looked at a statement mailed to me from them. It shows a different amount than shown on line. I called the bank numerous times. I 'm told something is wrong as their on line is not showing the correct amounts. I was told I would receive credits for late charges. 2 people, 1 from on line banking dept and the other from home loan department both tell me how much and when my next payment is due. I made that payment before that due date. I then received in the mail a statement showing different amounts and a phone call from the bank and that person said I was delinquent.

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 2015-04-06
Company: Paypal Holdings, Inc
State: UT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had renters who paid rent through PayPal. When these XXXX moved out of my house, they called their banks and did fraudulent chargebacks to get their money back from Paypal. I can prove they did this and PayPal just let them do it after I showed PayPal all the evidence that I was a victim of fraud. PayPal told me I was responsible and is now sending me debt collection notices in the mail. I DO NOT owe this money. The XXXX who owe it are the boys who committed chargeback fraud through their banks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
Company: Home Loan Center, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2023 I received a notification that XXXX hard inquiries were performed on my credit report : XXXX from XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX I did not authorize any of the aforementioned companies to perform any form of background check or credit check. More importantly, I have never even heard of those companies and I do not know how they obtained ANY sort of personal information about me enough to run any form of check. What I did find out is that they were contacted by LendingTree. I received an automated email from LendingTree on XX/XX/2023 regarding auto loan refinancing. I clicked on the email, answered BASIC questions about make/model of vehicle. Within 30 minutes I received the notification of the XXXX hard inquiries. I immediately called the XXXX credit bureaus and was told to also contact the XXXX XXXX XXXX to report LendingTree. I filed a complaint with the XXXX and received a response from the XXXX  of New Jersey stating that they will not be moving forward with my request because the company LendingTree is either unreachable or they appear to be out of business. Ironic because XXXX days later I received an email from LendingTree asking me if I was satisfied with the auto loan refinancing and I replied to all of the questions asked. I continue to receive automated emails from LendingTree on a daily basis, so the notion that this company is unreachable or out of business is an atrocious excuse to not do ones job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: KEYCORP
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX I called the bank only to be notified that they had frozen my account and after 50 minutes on hold they demanded I go to a branch to discuss why. I then received a call as I was driving from a branch in XXXX XXXX ME that they froze my account due to two deposits made at the end of XX/XX/2020 and one the first week of XX/XX/2020 from the State of Maine Unemployment. My husband 's company was furloughed for two weeks due to Covid-19 his claim was not fraudulent. We called the State to confirm as well as received a letter from his employer. The bank wanted nothing to do with it as they as processing their " own '' internal investigation. They first stated Unemployment contacted them which is a lie confirmed by Unemployment as well as the state level. They then stated XXXX XXXX contacted them again confirmed by Unemployment and at State level a lie that is not their process. They do not EVER contact banking institutions. I believe Keybank is conducting fraudulent activities that I demand investigation on. I have ZERO access to any of MY money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax is reporting that I have an outstanding debt of over {$2000.00} on an XXXX XXXX XXXX account, which has now been turned over to a collection agency. I have never opened an XXXX account, however due to ID Theft, I have disputed this with Equifax in the past and the account was removed. Now they are reporting this debt in my name again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In XXXX of 2020, my account at BBVA Compass was closed in retaliation after I filed several CFPB complaints alleging that the bank had mismanaged their PPP loan application process in a manner that violated their Lender Agreement with the US Small Business Administration. Unfortunately, the retaliatory actions did not stop with the account closure. I was subjected to hate speech by a bank employee, hung up on by the bank, told that my only communication with the bank could be an email address which would routinely take several days to email me back. I was also told by a bank employee named XXXX XXXX, who has also engaged me with hate speech, that I would be able to retrieve my funds from the bank via an outgoing wire transfer if I dropped my complaints and released all claims, but I said I did not feel this was fair and wished to reserve my rights. At this point, the bank further punished me by issuing a cashier 's check via XXXX  to return the funds, which they are legally allowed to do. However, the check that was issued was a " bad '' cashier 's check without any funds to back it, which did not allow it to be deposited. This check contained the entire balance of my small business 's account and I could not access it for weeks. Writing a bad check is a crime. Between the account closure and XX/XX/XXXX, I made over 50 phone calls to BBVA USA and was constantly hung up on and told that my only form of contact with the bank could be via email. I emailed the address they gave me constantly throughout this period to attempt to locate my funds, and was never told their whereabouts. On Friday, XX/XX/XXXX, I sought help from the XXXX XXXX Police Department who took over the case. A detective there, XXXX XXXX, took statements from both BBVA USA and XXXX XXXX, where I was attempting to deposit the check. BBVA USA played XXXX, stating they had no idea where the funds could be and calling the situation " bizarre. '' XXXX XXXX, on the other hand, provided a very clear picture of what had happened -- a crime. A senior VP at XXXX XXXX, XXXX XXXX, made a statement to XXXX 's Detective  XXXX clearly stating the check was " bad '' and did not have funds to back it. This is a criminal offense. After several corrective conversations with a high-up employee at BBVA,  Detective XXXX was able to get the funds released and I was able to deposit my check on XX/XX/2020. The full value of the check, due to its complicated history, was not available to me until XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account number XXXX 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 an account with my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received XXXX emails on the morning of Sunday, XX/XX/XXXX from TDBank. The first email let me know that an account was opened with my information and the second alerted me that my security email had changed. I called TDBank and reported the fraud to have it shut down immediately. The second email had another email ccd with the address of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-23
Company: American Finance LLC
State: DE
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Debt was paid in full. At XXXX point the pmts became deliquent all pmts from then on were paid in full in XX/XX/2011 per the the contract. American Finacial of XXXX DE placed a derogatory remark on my credit report stating the debt was charged off. It does show a XXXX balance

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-20
Company: Netspend Corporation
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I used my card to order a product over the phone in XXXX 2016. In XXXX 2016 when I noticed another charge, I called the company I ordered from XXXX to advise them that I did not receive the product yet. I was told they would track it and have resent to me. That never happened so on XXXX16 I filed a dispute with Netspend to get my money refunded as XXXX was giving me the run around. I was initially told that the claim would be complete within 45 days. Netspend continues to advise me that they are working on the claim but it has been past 45 days and still no resolution. I am also getting the run around from them as well. They refuse to tell me the process or what steps they have taken to get this resolved.

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