BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-13
Company: Upgrade, Inc.
State: SC
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/XXXX2022 I was notified by my bank of unauthorized charges by the company Upgrade that deposited {$9600.00} into my bank account. I went to the bank and they sent the money back. There were a few checks that were written so the account was to be closed 5 days later. Two days later Upgrade 's subsidiary company XXXX XXXX accessed my account and withdrew {$5200.00}. I went back to the bank and they immediately closed the account and reversed the withdrawal. I filed a police report on the same date. I then started receiving emails and letters from companies stating I had asked for credit cards and loans. I went back to the police department and amended the report to include all of the unauthorized inquiries on my credit history. I contacted everyone that sent me a letter and provided a copy of the police report. I contacted the Credit Bureau and had a freeze put on my credit history. I also contact the Social Security Administration office on XX/XX/XXXX and put a fraud alert on my social security number. Below are companies that have requested inquiries and credit in my name : XXXX XXXX XXXX XXXX  XXXX by XXXX XXXX - Notified XX/XX/XXXX did not apply for loan and to flag as fraud. 
XXXX XXXX XXXX - Notified XX/XX/XXXX did not apply for credit card or loan and to flag as fraud. 
XXXX XXXX XXXX XXXX - Notified XX/XX/XXXX did not apply for credit card and to flag as fraud. 
XXXX XXXX - Notified XX/XX/XXXX did not apply for credit card and to flag as fraud. 
XXXX - NotifieXXXX did not apply for a loan. 
Upgrade - Notified XX/XX/XXXX of unauthorized deposit in bank account. Notified XXXX and XX/XX/XXXX did not apply for loan. Provided Drivers license to close account and flag as fraud. 
XXXX XXXX XXXX  - Notified XX/XX/XXXX did not apply for bank account and to flag as fraud. 
XXXX XXXX - Notified XX/XX/XXXX did not apply for account, close, and to flag as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have disputed this issue at least XXXX times. I have a closed XXXX account, that is appearing STILL on my Equifax account. It was opened in XX/XX/XXXX and reported to Equifax in XX/XX/XXXX. It is still on my account. XXXX ( XXXX ) does n't even have me in their system under my SSN. How do you prove a negative? I ca n't get a letter from XXXX as they have to generate it, Catch-XXXX, from an account to send to Equifax. It has a {$0.00} balance, but this is a classic example that the dispute process with credit bureaus is a joke. 

I will, for the XXXX time, write letters to XXXX and to Equifax. Why am I not considered innocent until proven guilty when it comes to credit bureaus? Why are they considered above the law?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am the author and owner of all communications withing this complaint. I do not agree to allow this complaint to be managed outside of the portal. 

My Credit report currently has " XXXX XXXX '' reporting inaccurately, and in an incorrect manner. 

I dispute the validity of this account/Tradeline. 

1. The " Type of Account '' says NA, and should be " Revolving/Option '' 2. There is no Payment History in this account - and there should be as this account was opened for over 3 years 3. There is no Balance History in this account - and there should be as this account was opened for over 3 years 4. Because this account has no Payment History, please verify its Status/Major Delinquency date 5. Because this account has no Balance History, please verify its Status/Major Delinquency date 6. This account has no Activity Designator, and should as this account is Closed Please Validate this Tradeline, and resolve the errors - or Delete this account. 

Please provide a printed report, when resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opened 2 credit cards with Navy Federal Credit Union the first one in XXXX I think and the second once like 2 or 3 months ago. 
Credit cards been in good standards, I always use my credit card no more than XXXX XXXX dollars and I pay it back same billing period. 
The first credit card was increased from XXXX to XXXX 2 or 3 months ago and the second one I was approved for XXXX dollars. 
I just discovered 3 days ago that my credit card disappeared from my online banking without reason. 
I called to the bank and I was told that my credit card was restricted due to and investigation that the bank in doing on my account but without reason, they refused to provide a reason, which I dont understand because my account are and always been in perfect status. 

Also I dont agree that they remove the credit account from my online banking for no reason -my account always been in good standards -fraud was not reported or involved in my account -my checking account is in good standard also -I never been notified of anything that the cause the closure of my account -Also I dont understand the propose of taking out those credit card even restricted from my online banking -I dont understand the propose of not telling me what is going on or what caused an investigation in my accounts if those are my account.

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 2022-09-15
Company: HYUNDAI CAPITAL AMERICA
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:
company reporting a closed charge off account without my permission my car was returned due to a engine fire recall and they did not delete the account 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 2020-06-09
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a letter from COMENITY CAPITAL BANK ( PO Box XXXX, XXXX, OH XXXX ) on XX/XX/XXXX. The letter stated that COMENITY was unable to approve my application for a XXXX XXXX credit card ( from XX/XX/XXXX ). However, I NEVER applied for a credit card or anything of the sort. I contacted COMENITY to report the application as fraudulent and to request that they notify XXXX to remove the hard inquiry from my credit report since it was fraudulent. I have spoken with COMENITY several times, most recently on XX/XX/XXXX. XXXX ( the COMENITY rep with whom I spoke on XX/XX/XXXX ), told me that she sent a notice again to XXXXx to have the inquiry removed. I have checked my most recent report and the inquiry is still there. I can not be paying for COMENITY 's  slackness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-28
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
**debt was not paid it was charged off I verified this with each creditor** Pressler & Pressler has trolled my credit report and with the help of XXXX XXXX has taken several, old charged off debts from my credit report and sued me for the debts. At XXXX they scared me because I thought they were legitimate, but as it kept happening over and over ( at least XXXX debts they have taken from my credit report and sued me on ) I researched and found out that they are not legitimate, if you XXXX them you will see how many illegal scams come up. I contacted the original debtors and not XXXX of them knew who either Pressler or XXXX XXXX was. As far as my debtors ( including XXXX XXXX, XXXX, XXXX and XXXX ) knew they charged off my debt ( I was unemployed for 3 years and had no way to pay them back ) I feel that Pressler & Pressler has illegally targeted me by trolling my credit report, that is the only explanation for them to have so many of my debts in their possession -- they claim its a " coincidence '' I do not believe in such a coincidence. I have XXXX debt that they have been taking {$25.00} a month from me since 2012, they have not ever sent me a status to show what I have paid and what I still owe, but if I stop paying, I get a threatening letter. They have NEVER sent back any debt verification after I have requested multiple times on each debt that they have sent me. They call but do not leave messages and when I call back there is no answer at their number or the call disconnects. I would like them to stop and leave me alone and I would like to counter-sue them for harassment. 
I let them bully me for a long time, now I am going to fight back with everything I have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: DISCOVER BANK
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a checking account for many years with Discover Bank. I recently wanted to use this account to pay off my XXXX XXXX taxes both XXXX and XXXX taxes. 

I had transferred funds into the checking account via XXXX on XX/XX/XXXX. I had deposited a check which Discover Bank stated that it was returned due to an issue with the checks signature. On XX/XX/XXXX Discover Bank closed my checking account due to a business decision and retained the original deposit. 

I had written two ( 2 ) checks from my checking account with Discover Bank : one ( 1 ) check for my federal taxes and one ( 1 ) for the state taxes. 

I took an international trip from XX/XX/XXXX thru XX/XX/XXXX. I had accessed the account a few time to see if the deposited check had cleared. 

When I returned back to the XXXX. I called Discover Bank who informed me that Discover Bank had closed my account as of XX/XX/XXXX due to a business decision with no further information. Discover Bank has also informed me that the deposit funds will not be made available to me until after XXXX XXXX in accordance with their policy. 

Furthermore. I had contacted XXXX to establish another default checking account with another bank. But XXXX informed me that I was prohibited from using XXXX due to fraudulent activity as reported by Discover Bank. XXXX did not provide any further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Our child attended XXXX XXXX XXXX XXXX XXXX. The center had a Covid outbreak and was forced to shutdown. We were still charged for a service we were unable to use as they were shut. We felt unsafe having our child return, as their Covid protocols were insufficient. We have tried disputing the amount directly with them, and have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/20 at XXXX I discovered that XXXX dollars was taken out of my unemployment account right after I spoke with an older XXXX lady on the phone inquiring about some purchases I made from XXXX. I called Bank of America back and I asked them who took XXXX out of my debit account and I told her I wanted to file a dispute to find out who stole my funds. I was sent to the claims department and put on hold for 45 minutes. I then hung up called back and was hung up on. I then called back and out of nowhere 37 dollars was put onto my card. I called a total of 10 times trying to file a dispute but I was hung up on or never spoke with anyone. I was on hold 45 minutes then an hour, then one in a half hours, then 45 minutes and then 30 minutes and then an hour, then two hours, then another hour, then another hour and twenty minutes. I then called consumer finance but the connection was bad so I am filing my complaint now. I checked XXXX and between XXXX and the workers at Bank of America I believe someone at that bank stole my funds because XXXX would have sent an email stating refund to my account which they also owe me {$310.00} unless they stole the funds but the behavior of the workers and the 37 dollars mysteriously popping up onto my card is highly suspicious. Bank of America can not help me because the employees will not answer but there is definitely fraud going on and I want my funds placed back onto my account.

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 2015-07-27
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is my XXXX complaint regarding my mortgage status. As of this date, the current mortgage servicer ( Seterus XXXX has told me they can not provide mortgage statements to me due to my bankruptcy status. My Chapter XXXX bankruptcy case was completed in XX/XX/XXXX. Despite using this invalid excuse, Seterus sent a delinquency notice claiming my mortgage payment was not received for XXXX, XXXX, XXXX and XX/XX/XXXX. I received this notice on Saturday, XX/XX/XXXX. I have not received any other notice indicating delinquency, which I would expect should have been sent in XX/XX/XXXX, if my payment was not received. The servicing of my mortgage was transferred from XXXX to Seterus on XX/XX/XXXX. They sent the delinquency notice to my address, using the wrong name on their documents. I am not behind in payments, I have canceled checks for all the months indicated. I am in the process of getting the payee endorsement information for these checks from my bank. Seterus is refusing to service my mortgage. Seterus is the servicing company selected by XXXX to service my mortgage. Seterus is unable and/or unwilling to service my mortgage. They also seem to have tacked on miscellaneous fees to my mortgage and have included {$1100.00} in " legal fees '' to the balance on my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Attached you will find documents regarding an account on my Equifax credit report that needs to be deleted. XXXX and XXXX already deleted it. But as of XXXX XXXX Equifax just reported it. The XXXX account that was opened in my name is not mine. The documents will explain in detail what happened. The other credit agencies have already fixed this problem. I am expecting the same from Equifax. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
HELLO ON XX/XX/2022 I ask Fay Servicing to have escrow to pay property taxes They lied about fees. we ask them to close the account. Because I already paying the city They said that they will process it and they never did it. 
It is one year that passed, we keep asking them to close the escrow acct and refund the tax payment I provide all the papers, letters, documents that they requested. 
I even went to city and found out more than than they asked for. 
They keep playing and saying waiting to get answer from the city and in a mean while they are charging me. 
I send them the proof from the city they got refunded about 6 months ago. 
They got over $ XXXX from city of XXXX XXXX ( people money ) and they are saying they cant see it in their account, and waiting to get answer from the city???? city dont call back anyone, I send them the proof of the wire from the city Apparently they dont credit customers account They get money from the city and charge the client as well. THIS IS FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: CITIBANK, N.A.
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: Overcharged for something you did purchase with the card

Complaint:
The events of the night of XX/XX/XXXX and morning of XX/XX/XXXX in XXXX XXXX, XXXX. 

At the establishment called XXXX XXXX, we entered and ordered three beers ( one for each of us ). After approximately 10 minutes, we decided to leave and I asked for the bill. After a profound delay to receive the bill, I was afraid of what was happening behind the scenes. Presented with a receipt that was not accurate, I argued with the merchant to provide a correct receipt. The merchant quoted over XXXX XXXX pesos for three drinks. They took my Citibank card once again to force me to sign, taking my ID and making a photocopy, and stealing the receipt so that I could not take it with me as proof. My friends and I had no recourse with multiple bouncers aggressively standing over us, but to sign the bill. I still refused and drew a simple line to show that this was an inaccurate receipt. They grabbed my hand and forced me to sign multiple times. Afraid for our safety, we left the establishment as quickly as possible. I did absolutely everything in my power without being beaten up in a foreign country to stop this transaction from going through. 

Upon returning to the U.S., I filed a fraud claim and multiple dispute claims. Citibank has provided no assistance as I was under duress. I have never initiated a transaction of this size in the history of being a customer of Citibank, especially while abroad. Citibank was asleep at the wheel in monitoring fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have been working diligently to repair my own credit. My credit score was XXXX two weeks ago, all of a sudden my score drops almost XXXX points for no reason at all. I have paid my credit cards in a timely fashion. I have brought my utilization to the right percentage, and my score is continually dropping every day for no reason at all. My wife and I share the shame credit cards, and her scores are going up. All XXXX credit bureaus are reporting my score inaccurately. My utilization is XXXX % which is good, it dropped my score XXXX point because of this good utilization. This is unethical, in what is going on with the XXXX credit bureaus. They inaccurately reporting my credit score and this is not fair. My score should n't have dropped almost XXXX points in a couple of weeks if I 'm making sure my utilization is good, and payments are good and on time. If you could help me in any way that would be greatly appreciated. I 'm utilizing XXXX XXXX which I was told that XXXX owns this company, it 's a scheme to keep people looking like they have bad credit to make them suffer and not be able to get the help they need in society. They ought to be ashamed of themselves for being unethical with their approach. XXXX XXXX stated that I did nice work by getting my balance down, and with that they minus my credit score XXXX points for doing a great job. This is unethical please see attached picture of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: JPMORGAN CHASE & CO.
State: NJ
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 rewards from credit card

Complaint:
On or about XX/XX/2022, I purchased airplane tickets through the Chase Rewards Portal for a family of XXXX that totaled ~ {$3000.00}. The reason was the incentive that Chase Rewards provides about 5 % back. This was the biggest regret due to their misleading practice as detailed below. 

Due to circumstances, I needed to cancel my airline purchases. At the time of cancellation, the following terms and conditions were disclosed to me : XXXX ) all of the passengers need to be present for my future airline credit purchase ( i.e., must be a family of XXXX ) ; XXXX ) it must be the same airline ; and XXXX ) travel must be completed within a year. 

On XX/XX/2022, in abiding by the aforementioned terms and conditions, I tried to book a flight, but was prohibited because of the following additional condition being imposed : if I booked an international flight originally, that I would have to rebook another international flight. Even when I called customer service from Chase on XX/XX/2022, for support, the representative acknowledged that this was not part of the disclosures that were presented to me ( Chase can pull back the actual tape recordings through their QA process ). Now, I am having extreme trouble trying to reuse my flight credit, all in the meantime, the airline ticket prices have gone up in the 2 days for a difference of ~ {$700.00}. 

To me, this fits squarely within UDAAP, and am extremely disappointed at Chase 's lack of pointing out these restrictions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
i disputed XXXX public records on my credit file with experian, XXXX district XXXX, XXXX co XXXX, XXXX, XXXX, XXXX, experian verified the information, experian said if i had questions contact the courthouse, so i contacted them the lady i spoke too said they dont verify anything with the credit bureaus, so experian didnt do a real investigation, thats fcra violation and the accoutns should be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation