BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
On Monday, XX/XX/2015, I went into my local Bank of America branch office to obtain a direct deposit form for my employer. I was directed to the desk of XXXX, Relationship Banker with Bank of America. She asked me if I was interested in applying for a Bank of America credit card and I told her I was not interested at this time and wanted to discuss it with my parents. She asked me some other questions which I was made to believe were necessary in order to obtain the direct deposit form. On Saturday, XX/XX/2015, I received XXXX documents in the mail from Bank of America. XXXX document indicated that they had received my recent application for the BankAmericard Cash Rewards Platinum Plus Visa and that it was a duplicate request so it would not be processed. The other document I received congratulated me on my request for credit from Bank of America and that it was approved and that a credit check was done in my name with credit score information included.  I had no knowledge of this application ever being submitted on my behalf and I have been informed that according to the law no one can obtain credit for me without my authorization. Also, because I am under the age XXXXXXXX proof of my income is necessary to apply for a credit card which was never obtained, and was fabricated on the application that was submitted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-13
Company: SYNCHRONY FINANCIAL
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: Their investigation did not fix an error on your report

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. 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 non-monetary relief
Consumer complaint received 2022-02-21
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2017-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have done a dispute requesting validation and verification requesting my signature, i have not received a response from the creditor and nothing has been deleted from my credit file. It has been well over thirty days of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 paid in full for XXXX XXXX XXXX XXXX. But my XXXX, XXXX and Transunion credit reports showing still as unpaid. 

I am attaching here A PAID IN FULL LETTER FROM XXXX XXXX XXXX XXXX. 

I lost my current job and i received vacate notice to my current apartment, i will be in trouble with my XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  kid, unless you react to my complaint ASAP. please take out that collection amount from my credit report based on the PAID IN FULL LETTER ATTACHED HERE. i am getting rental rejections based on my credit report collections.

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 2020-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XX/XX/2020 my trans union credit report dropped 3 points for absolutely no reason at all. My credit is impeccable and should be going up not down. I believe the algorithms have bugs in the software. They have it rigged to drop your credit based on credit card usage, but do not take in to account all of my accounts are XXXX out at the end of the billing cycles. My mortgage, and car lease are steadily going down. My credit cards are always XXXX out without owing any outstanding balances. Mistakes like this cost consumers like myself money when it comes to renewing car insurance. This may be deliberate misbehavior to keep consumers like myself paying more money. I have had habitual problems with Trans union over the years for the same issues. When they make these mistakes it takes months to correct.

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 2017-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This this is not a duplicate of CFPB Case number : XXXX as it is a new and separate incident. 

On XX/XX/XXXX, after the issuance of the XX/XX/XXXX for XX/XX/XXXX installment statement and immediately prior to the Trustee Sale of XX/XX/XXXX, Bank of America bought down the principal balance associated with this account twice, meaning it was bought down XX/XX/XXXX and put back after I called Bank of America on this illegal activity related to a mortgage or Deed of Trust and then bought down again XX/XX/XXXX. 

According to the information and representations provided to me on XX/XX/XXXX by XXXX ( Customer Service Department ) and XX/XX/XXXX by XXXX ( Home Retention Department ) Bank of America employees, the XX/XX/XXXX and XX/XX/XXXX installment payment amount is {$1100.00}, reduced from {$1500.00}. I was also informed the adjustable rate mortgage ( ARM ) will adjust between {$1100.00} and {$1200.00} effective XX/XX/XXXX which is supported by information received from the Trustee, XXXX XXXX XXXX XXXX ( XXXX ), that the MAXIMUM bid at Trustee 's Sale and public auction has been reduced to {$300000.00}. Obviously, this amount excludes the MHA and CalHFA monies due at time of sale. To date, neither the MHA and CalHFA debts have been satisfied and are currently attached to the account. 

This account is a signature loan as established XX/XX/XXXX and the associated real proprty had not been used as collateral to secure the XX/XX/XXXX Deed of Trust that Bank of America has foreclosed upon after a seven ( 7 ) year delinquency and after a rejected settlement offer made a year before recording a Notice of Default ( NOD ). Clearly, the Notice of Trustee Sale ( NTS ) ( which I have yet to receive a recorded copy of ) is a retaliatory action related to a mortgage or Deed of Trust. 

All previously mentioned resolutions are desired and mandatory.

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 2020-08-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have advised Equifax on several occasions that the information being reported on my credit file is incorrect, possibly in error and/or a result of identity theft. The following address ( es ) do not belong to me XXXX   XXXX XXXX XXXX XXXX XXXX XXXX. I have never paid the XXXX ( XXXX ) account late. The XXXX XXXXXXXX ( XXXX ) account does not belong to me, the XXXX ( XXXX ) account does not belong to me, the XXXX (   XXXX ) account does not belong to me. These items are a result in an error and/or identity theft and should be removed from my credit file. Please help me get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: Experian Information Solutions Inc.
State: OH
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:
These account have no LAST DATE OF ACTIVITY and other errors. These are not my accounts. Please remove ASAP.

U S DEPT OF EDXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-08-16
Company: Paypal Holdings, Inc
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
As of XX/XX/2020, I been cheated on an item I sold through sopposebly PayPal, it was referred to XXXX I mistakingly thought they were saying truth, but they didnt they made me follow instructions on an email, thinking it was PayPal and asked me to buy a XXXX visa gift card of XXXX dlls, I did call XXXX card reporting number they gave me a case number which is XXXX. The person said his name was XXXX XXXX, then he said his name was XXXX, and XXXX he was eventually lying. please help me identify these scammers. They have this phone XXXX ( XXXX XXXX XXXX reach them they say there men but the owner of the phone is a woman ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
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:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am asking for all of these inquiries to be removed from my credit report because they were not made by me nor did I give any of these companies pemrission to run my credit.

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 2020-08-16
Company: National Credit Systems,Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, I pulled my 3-bureau credit reports from XXXX and found a collection from National Credit Systems in the amount of {$3200.00} on behalf of XXXX XXXX. I noticed that the debt was a joint account, and I never had a joint lease with someone else in the past. So I sent National Credit Systems a letter asking them to verify the debt, specifically asking for proof such as a breakdown of fees and how they calculated the debt. I also asked for some type of proof that the debt was mine, such as signed documents by me or anything that would identify me as responsible for the debt. Knowing that this debt is not mine, I was confident that they could not prove this debt as mine and I intended have the false collection removed from all 3 bureau reports. 

However, when I received a letter back from National Credit Systems, I found that not only had they not given me any supporting documentation proving that I am responsible for this debt, but they also INCREASED the amount they claim I owe by more than double. They now claim I owe {$6900.00}, and they intend to " update '' this with the 3-bureaus. What's worse, they typed " Enclosed you will find documentation provided to us by XXXX XXXX. '' and tere was no documentation enclosed. Only the single letter which I have attached to this complaint was in the envelope. I believe they placed this statement deceptively to make it seem as if documentation was sent, when truly it was not. 

I find it very difficult to understand where they got either of these totals, especially since the credit bureaus reported that the last time this debt was supposedly verified was XX/XX/2020. I have tried to dispute this with the bureaus as well, but the entry remains. I would like to finally get this false collection removed from my credit reports so I can move on with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Capital one has now twice ( just this year ) charged interest when they should not have. Both times were credited when I called to complain, but I am certain most people are not tracking their payments and charges as in depth as I do. For the month of XXXX, I had a statement balance of {$11000.00}. Throughout the statement period, I made 4 payments totaling {$11000.00}. I was then charged {$95.00} in interest for that month. I called and they did offer to credit my account, however no one seems to know why this continues to happen. I make well over 100 charges and payments throughout the course of the month and am meticulous about reviewing everything. If I did n't do that, I would n't have known that I was n't supposed to be charged. I feel there is more to this than just my two instances and people are being wrong charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX 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
Consumer complaint received 2023-02-10
Company: AFNI INC.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Rec 'd an alert from XXXX advising that my credit score decreased by XXXX points. Referenced my report and found an account that was sent to collections by XXXX XXXX XXXX for a service that I did not incur. This fraudulent account was apparently set up in XXXX of 2022 by someone who stole my identity. This same thing transpired in XXXX of 2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have had several problems with Navient Student loan however currently even though I am making payments on my sons loan ( co-signer ) because they sent threatening letters to me ( co-signer ) and ruined my credit, because he was out of work and unable to pay. they were unwilling to work with him or us they were rude on the phone and very poor customer service. Despite my wife and I ( co-signer ) have payments being directly sent from our bank every month regularly before payment due they are charging us LATE fees even though payments are on time!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: EQUIFAX, INC.
State: OH
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 accounts has errors and inaccurate. The Balance, dates, please provide method of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have a checking and savings account with Chase and reported my ATM card stolen and someone used oved {$4000.00} at XXXX without using an ATM pin and was successful at getting the cash. The bank stated that my signature matched the signature on the receipts and they took the money from me. I later used the ATM machine at XXXX and when I attempted to use the ATM machine it stated it was not dispensing receipts. I notified the casino cage and was told that my account would not be debited. The ATM machine is owned by a company in XXXX Nevada and I contacted them and was told to file a dispute with my bank. I contacted Chase again and continue to talk with people in foreign countries and continue to get different responses. One senior Representative with chase told me that when you 're dealing with a casino " it 's nearly impossible to get your money back ''. With that being said they should warn customers not to use casino ATM machines. I never took over {$10000.00} from my account at an ATM machine because the machine was not working. I gave a cocktail waitress my ATM card to buy a drink and believe that they used the card to get money from my account. I asked Chase 's fraud department to request receipts from the casino and ATM company so that we could resolve this matter and they are refusing to do so. I was told that they would further investigate the matter and have never received a response. I recently called Chase for an update and was told that it was closed and I 'm not getting my money back. I have an ATM limit so how can someone take that much money from an account? What 's the use of filing a fraud claim if they 're not going to fully investigate it? Chase was able to get copies of signed receipts from the first claim, but on the second claim said the ATM company is not cooperating. How can someone take over {$10000.00} from your account and tell a bank they wo n't provide receipts showing that it was me? There was no ATM pin number used and I know that the transactions do not belong to me. I found documentation online that this same company has done this to several people and nothing is being done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: JPMORGAN CHASE & CO.
State: CO
Product: Bank account or service
Sub-product: Savings account
Issue: Making/receiving payments, sending money

Complaint:
I am XXXX and my wife XXXX XXXX, have a chase checking and saving accounts. Somebody scam and wire all money from XXXX accounts, in XXXX Transactions in 2 days. Ones that person who did that, was moved from saving to checking account {$3900.00}, then wired too. Everything was happen at XXXX XXXX and XXXX 2015. All details for these wire transactions included with printed statements. Chase told me, I have to make a police report for further actions ; otherwise they ca n't help me with this money refund, because 35 day already passes. My understanding is, that this scamming was done by some chase employee, because this suspect knew my balance and, or access to accounts without hawk account password nor email account password, witch is required to access both email and chase bank accounts at the same time. In 2 month, I did n't get any alerts for this scamming by phone, email nor texting, witch is supposedly to notify me and indicated for this horrible scamming ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have advised Experian on several occasions that the information being reported on my credit file is inaccurate and may be a result in an error and/or identity theft. The following address ( es ) do not belong to me XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I have never paid the XXXX XXXX account late, I have never paid the XXXX XXXX   account late, I have never paid the XXXX account late. Experian has yet to prove how they received this inaccurate information, and have not corrected the information following my proof that the information is inaccurate. Please help me get this matte resolved.

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