BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022, I saw in my credit report a remark from bank of America that I could not recognize. So I called the bank about the comments at XXXX XXXX  the same day and asked for clarification. But unfortunately, the bank refused to clarify the information. On top of that, when I insisted on explaining the report, the customer representative stopped talking and eventually hung up the phone.

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 2021-08-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I used the CITI credit card on XX/XX/XXXX and made a payment of {$10000.00} and several other smaller payments amounting to {$10000.00}. I paid the credit card in full on XX/XX/2021 and the money was taken out of my bank immediately. I have not been able to use the card and have not had access to my funds since. I called and i was told i have to wait until XX/XX/XXXX. Meanwhile i have been humiliated every time i have tried to use the card being told i have insufficient funds. 

Citi had no problem taking the money immediately but now it wont give me access to my funds

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 2017-08-16
Company: GVA Holdings, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For the past two months, I 've been getting calls from some debt agency that does not identify themselves in the message. And they 're not even calling for me! They 're calling for a friend that listed me as a contact! On XX/XX/17 I received a fourth call. The message is always the same : Your friend XXXX listed you as a contact and we 're trying to reach him. Can you please have him call XXXX. Is this not illegal? That number is connected to this business : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. 5 years in business. XXXX XXXX XXXX. XXXX, MT XXXX. EMAIL WEBSITE. Fax Numbers. ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
ON XXXX XXXX I RECEIVED A LETTER FROM CHASE BANK USA INFORMING ME THAT I WAS DENIED A CREDIT CARD DUE TO MY POOR XXXX CREDIT REPORT. THE PROBLEM IS THAT I NEVER REQUESTED OR GAVE AUTHORIZATION TO CHASE BANK TO PROCESS A CREDIT CARD APPLICATION. I HAVE WRITTEN TO THEM BRINGING TO THEIR ATTENTION THEIR VIOLATION OF MY PRIVACY RIGHTS AND DEMANDING ACTION TO CORRECT THIS VIOLATION. SEE ATTACHED LETTER ADDRESS TO CHASE. I WANT YOUR BUREAU TO ADDRESS THIS WITH CHASE, BUT MOST IMPORTANT TO CHECK THEIR RECORDS TO MAKE SURE THIS BANK WHO HAS AN EXTENSIVE HISTORY OF FINANCIAL AND CONSUMER LAW VIOLATIONS AND BEING FORCED BY THE JUSTICE DEPARTMENT TO PAY BILLIONS IN FINES, THAT THERE IS NOT A PATTERN OF VIOLATIONS SIMILAR TO THOSE EXPERIENCE BY XXXX XXXX CUSTOMERS A COUPLE OF YEARS AGO.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Trans union is reporting Negative accounts on my report. see bellow i contacted the company they have no debt there thast is in my name or sociasl nor are they finding anything at there agency when the did a credit report search. same with XXXX ive never gone to school. and have followed up with them as well and they have no information on me at XXXX. see Below several examples on my report only trans union is reporting. New AccountXXXX XXXX, 2017 DESCRIPTION An account provider reported that a new account opened in your name. NEXT STEP If you do n't recognize this account, contact the account provider listed. DETAILS Account XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Type n/a Phone n/a Account XXXX Amount {$14000.00} Status Collection/Chargeoff Type n/a Phone n/a Account XXXX Amount {$7700.00} Status Collection/Chargeoff Type n/a Phone n/a Account XXXX  Amount {$6100.00} Status Collection/Chargeoff Type n/a Phone n/a Account XXXX XXXX XXXX XXXX Amount {$17000.00} Status Collection/Chargeoff Type n/a Phone n/a

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 2021-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Unauthorized reporting and inaccurate accounts reported from my credit 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 explanation
Consumer complaint received 2022-07-09
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
The website for this company has been down for over a week or more due to a system upgrade. At first no access, then access to pay a bill only and finally when supposedly back up I can not login to my account. I have a login and password saved to my system so I have not forgotten or mistyped it. After two unsuccessful tries, I got locked out of the system. I said to go to a link provided and I did. I followed the instructions and tried to login and was still unsuccessful. I called customer service to get my account unlocked and was told that she could not help me and that i would have to wait two hours. I asked to speak to a supervisor and was put on an extended hold. The girl came back on and said she was still trying to reach one. I said neverminded because I can not wait on hold forever. It is important that I be able to access my account at all times to see the purchases and refund activity. I currently am in the process of remodeling my home and have returned several items and must ensure that the dollar amounts have been refunded properly. This is beyond acceptable business practice. This company should not be permitted to operate in this fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2017-08-17
Company: Credit Adjustment, Inc
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am disputing my account being sent to collections. My account was only 60 days pass due. I live in a rural area and the post office it opens and closes while I am at work. I am not disputing paying my bill but I owe only {$140.00} pest control service " XXXX XXXX XXXX XXXX '' the collection company is " A collection Agency sent me a letter saying my account was in collections and increasing the balance with interest. I called the agency and the pest control company and they said my account was in collections. I told them my situation with post office, I also lost my key XXXX XXXX key reason I could n't get mail since my XXXX XXXX was under my name. Anyhow I told them my account is n't 180 days pass due it should have not been in collections nor should my account be collecting interest if it is in collections as a charge off account. I told them it 's illegal to collect interest on a charge off account. They refuse to listen. I mailed my payment just because I know owe {$140.00} not paying interest but I would like for you to check there ethical collection pratices

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account is not mine. They have been billing me and I made payments because I do not want to mess up my credit. I have called them numerous times to demand validation of the said account and get the account closed but they give me the runaround every time and have never received any validation. I stayed at the resort once but only paid for the time I was there. I did not purchase anything from them. I have disputed this but had no resolutions. I realized my information were fraudulently used without my permission to process transactions and open an account without my consent. This is their contact info page for additional reference : XXXX XXXX XXXX Also, I already disputed the said account ( XXXX XXXX XXXX XXXX ) and filed a complaint thru FTC last XX/XX/2021 with Ref # XXXX and it was deleted from XXXX  as a fraudulent account. However, it is still reporting negative under Experian when I got my updated credit reports today XX/XX/2021. I've attached a copy of my credit report summary showing that it has been deleted. I have contacted them before to demand validation of the said account and have it closed but I have never received any validation. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported negative in my credit records and is hurting my financial stability.

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 2017-08-17
Company: Worldwide Processing Group, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In the year of 2008 I received a payday loan from I think XXXX XXXX XXXX XXXX cant remember amount but between 450-500.I did not pay them back due to medical issue. Almost 10 years later a collection agency named Forward Movement recovery trying to collect a 10 year debt.Florida statute of limitations says thay have 5 yrs. to take legal action. I have not payed any amount of this debt and do n't believe I am entitled to at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I just opened a capital one credit card and I had my card since the XXXX of this month. I been going thru it about verifying my identity. So I haven't been able to enjoy my benefits. I had lost my wallet that containing all my information. Capital One wanted me submit documents of my identification card but I didn't have one at the time. So I just got a new Identification Card and they still taking me thru a lot to take the hold off my account. I have no electricity in my home because I was counting on capital one so I can pay my bills but as you can see it didn't happen. So I'm in the cold and in the dark. I stay in XXXX Kansas where it snows and get cold. I really need help with getting my account off hold ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
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:
In 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 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 2017-08-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have automatic payments in my account and also banks alerts when my account is below {$50.00}. The cut off time for my Bank is XXXX eastern time after this time if I make a deposit or transfer will be post it on my account the next business day, however Chase bank allows a merchant to post on my account between the XXXX and XXXX to charge insufficient fund fees on the account, we didnt received the alert on the account and not ODP. Today we received an alert from chase bank letting us know that the account was negative with 2 insufficient funds fees, when I called the bank for the bank error, they told me that was not an error and they will not reversed the fees because is a bank policy and is nothing they can do. This not the first time I had issues with chase, sometimes I make the transfer or deposits before XXXX eastern time and they charge me insufficient funds fees, sometimes they reversed but not as a bank error, they said is a courtesy but that not rigth they charge fees to the clients to get some money from us. Even if we do n't get our fees back, I would like an investigation to chase with the consumer accounts, I am pretty sure they following the steps of XXXX XXXX XXXX, charging unfair fees to the clients.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-16
Company: U.S. BANCORP
State: IA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In reference to Complaint -- XXXX IDT CLAIM XXXX ( CC # XXXX CHECKING # XXXX XXXX OCC CASE # XXXX FTC # XXXX U.S. Bank response is  the Judgement, OR ORIGINAL COMPLAINT IS THIS. THE JUDGEMENT DID not originate from U.S. Bank, but instead originate from XXXX XXXX XXXX. ARE YOU SERIOUS? IT CAME FROM U.S. BANK. IT 'S PRETTY OBVIOUS IT DID, B/C YOU GUYS ISSUED IT DIRECTLY. In addition to that, FTC Laws require U.S. Bank to produce documents of their investigation, notes, files, etc.. 30 days from XXXX XXXX2017 should already be received by XXXX XXXX,2017, where are those documents and records at? u.s. bank also states its not identity theft b/c I knew the suspect. INCORRECT, IT 'S IDENTITY THEFT B/C HE STOLE MY IDENTITY, AND OPENED AN ACCOUNT WITHOUT MY KNOWLEDGE USING MY IDENTITY, I IN ADDITION TO TAKING SCHOOL LOANS, BY STEALING MY IDENTITY TO DO IT, AND RECEIVING SCHOOL REFUNDS AS A DIRECT DEPOSITS INTO THE ID THIEF ACCT # XXXX. THEN HE CLOSED IT AFTER HE RECEIVED THE MONEY. I REPORTED ALL THIS TO THE POLICE DEPARTMENT AND IS IN THE POLICE REPORT ALREADY. YOU GUYS HAVE ALL THE DOCUMENTS.

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 2022-01-05
Company: EQUIFAX, INC.
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:
I am writing to delete the following information in my file. The items i need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of identity to the federal trade commission and i also have enclosed copies of the federal trade commisions identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act 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 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 2022-07-09
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:
In accordance with the Fair Credit Reporting act 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 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 2022-02-06
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a Mortgage with Shellpoint Mortgage Services. I closed on the XXXX on XX/XX/XXXX. Because of Covid and me being unable to work I started the Loan Forbearance process by phone in XX/XX/XXXX XXXX week before my payment was due for XXXX. It took them forever to get with me to get the process started. I was told that since I have started the process that no payments will be counted late. I was approved for the Forbearance in late XXXX early XXXX with the first new payment being due XX/XX/XXXX. I have paid as agreed but they are still reporting my loan late on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
XX/XX/2021someone tried to open three credit cards in my name. XXXX XXXX, XXXX and XXXX XXXX. I was alerted the same day from XXXX XXXXa that their were new hard inquirys on all three credit bureaus XXXX, Equifax, and XXXX. I contacted the credit card companies first and they were quick in getting the applications stopped and flagged the accounts as fraud the same day that the thieves originally applied for the credit card accounts XX/XX/XXXX. Then I purchased credit monitoring from all three credit bureaus and I Locked my credit file on all three so no one could do that again. I then disputed the information with all three credit bureaus and all the hard inquiries were deleted with in days. Except Equifax refuses to delete the XXXX XXXX hard inquiry. Their investigation shows that it was a factual inquiry and there for will stay for two years. I then called XXXX XXXX again and they assured me that Equifax was notified that the credit card application was fraudulent and that the application was stopped the same day they tried to open it and to delete the information from my credit report. I also filled out an identity theft victim form on the FCC website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: Experian Information Solutions 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:
Hello my name is XXXX XXXX, I am a victim of identity theft, my wallet was stolen and it had my identity in it. I'm contacting you guys to delete the following information in my file to correct my credit score. I already reported the issue to the Federal Trade Commission. I would appreciate it if these items can be deleted as soon as possible. Thank you! 

Account Name : XXXX XXXXXXXX XXXX  XXXX Account number : XXXX Open date : XX/XX/XXXX Account balance : {$3.00} Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX 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