BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-17
Company: U.S. BANCORP
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a call on XX/XX/XXXX from XXXX stating in a very abrupt manner " You have XXXX hour to contact XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX concerning a legal matter and failure to due so will result in Garnishing of your wages and seizure of your home and car. I immediately panicked and contacted the number. I was placed on hold for several minutes then a representative got on the phone and stated that I owed about XXXX to a bank in XXXX, Ohio they said I opened an account with and needed to set up a XXXX dollar a month payment plan before the end of our call in order to stop the wage garnishment and other results. I explained to them that I did remember using this bank over 7 years ago but I do not believe I owed them that much money because I recall closing out the account. I also asked why they never sent this information to my address and they stated they sent the information to my last publically recorded address. I told them that I had not lived at that address since XX/XX/XXXX and could they please send the information to my new address. They responded no and that the bank had done there job by law because they sent me the letters to my last recorded address. They also stated that I could not be sent a copy of my charges because they had already done so. They also stated to me that I could not contact the bank for these charges until after I made my first payment. Therefor, I acted on impulse and fear and gave them my debit card number. After speaking to my relatives I learned that this same fraud calling number had been all over the new for fraud tactics. I then attempted to call back the original XXXX number but was redirected to a XXXX voicemail and when I attempted to call back THE XXXX number, I was placed on hold and no one picked up again. Therefore I called both numbers back and left a very irate message requesting to be removed from there calling list. I also contacted my bank to request they block the card and send me a new XXXX. On XX/XX/XXXX I received a call from XXXX stating they were unable to pull the payment from my account. I explained to them that I canceled the card and the fraud tactics they were utilizing left me with unanswered concerns, and they stated they had done all by law they had to do with explaining to me my charges and to remember to appear in court once I receive the court summoning letter.They also stated that I would be responsible for over XXXX in collections after the court appearance. Is this correct? Can they really take this type of action by garnishing my wages and seizure of my property?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: JPMORGAN CHASE & CO.
State: GA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I noticed six pending transactions, each the amount of XXXX dollars and XXXX cents in my chase mobile app after I got off of work, all from the merchant XXXX XXXX. I tried to dispute it in the mobile application but it would not allow me to while it was still pending. I immediately locked my credit card and reached out to chase to report the incident and request a new card. 
On XXXX XXXX I received an update letter in Chases mobile app titled Update : we completed our review of unauthorized transaction ( s ) on your account that stated, We removed the above transaction ( s ) from your current account and have issued credit ( s ) for any related interest charges and fees. The previously issued credit ( s ) are now permanent. 
The following day I received a phone call that stated the Fraud Department had changed their mind because I have used my credit card at that location before and therefore it is valid because the merchant already had my card information and told me to contact XXXX to get it resolved. Following that phone call the charges were reposted to my account. I called back to express that I moved in XXXX and no longer live near that store and that I was working when the charges were posted, they offered to review it again. I even emailed my work schedule to XXXX prove that I wasnt anywhere near the store when the purchase ( s ) happened. 
On XX/XX/XXXX I received another letter in the mobile application titled Update : We reviewed your fraud claim again ; heres what we found. Where Chase banks new resolution was that the charges were valid. No reason was listed in the letter. 
On XX/XX/XXXX I spoke to a store employee and they gave me the phone number of XXXX customer relations. I called and they said that XXXX can not do anything to prove fraud and I would have to contact the bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-17
Company: KEYCORP
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My daughter has informed me that she has contacted this company informing them that I did not sign for this loan and knew nothing of it, which I informed them of a few years ago when I saw this XXXX debt listed XXXX times on my credit report. This company keeps holding me liable for a loan I knew nothing about. Also, they have the same loan listed on my credit reports 3 times. I was astounded to see they have had this on my credit reports since 2007. I want this deleted. This has been stressful and playing a major impact on my health. If they do not delete and hold the liable party, I have to seek an attorney, I can not keep going through this. 
Account : XXXX Key Bank XXXX Key Bank XXXX Key Bank XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

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 2022-04-08
Company: Experian Information Solutions Inc.
State: NY
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 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 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 explanation
Consumer complaint received 2022-10-27
Company: Bread Financial Holdings, Inc.
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is a follow up to my complaint # XXXXsee copy attached. In response to that complaint, I received the attached letter from Comenity bank dated XX/XX/XXXX. This totally unacceptable generic response to my issues with Comenity Bank is attached. It provides absolutely no details regarding what they did to investigate, what they found or didn't find find, their efforts to locate the money previously sent to the bank, any acknowledgment that they received documents which were sent to them at their request, or any other detail regarding their 'investigation '. In addition, they make a generic request to send supporting documentation which was already sent to them. Their 'generic ' letter is meaningless and most likely a 'standard ' letter sent to everyone and anyone. This has been going on for months and their incompetence is simply inexcusable. Since they asked me to respond to their letter 'with any further information ' I attach my response to them dated XX/XX/XXXX. 
I did receive a generic letter from them prior to their XX/XX/XXXX letter which simply acknowledged the complaint and they would be looking into it, which they have allegedly been doing since XXXX. Incredible incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
Ive been a victim of identity theft

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 2017-03-14
Company: RoundPoint Mortgage Servicing LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a home which was damaged by water. We received the homeowners insurance proceeds. These proceeds were made payable to me and the mortgage company, Roundpoint mortgage. We have provided Roundpoint mortgage all documentation to release said funds so we can get the repairs done and move back in the home. Each time we call to see what the delay is, they request for additional documentation on the contractor. We are behind on the mortgage and are submitting a loan modification, but we really need Roundpoint Mortgage to release the funds so the repairs can be done.

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 2021-03-15
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In or around late XX/XX/2020, I received a bill from the XXXX of XXXX XXXX for ambulance services allegedly performed on XX/XX/2020. I had not been to XXXX in XXXX XXXX or at any time since at least XX/XX/2020 XXXX, and I have never used the XXXX  of XXXX XXXX 's services. I informed the XXXX of XXXX XXXX that the debt was not mine, and someone confirmed via email that it would be updated and removed. Since then, I have received a notices from Municipal Services Bureau that I owe the debt. I have contacted the Municipal Services Bureau and was informed that my date of birth did not match the date of birth on the account and that the account would be updated. Nonetheless, I then received another bill a few days ago from Municipal Services Bureau. I have contacted them in writing to dispute the debt. I

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: TRUIST FINANCIAL CORPORATION
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I call XXXX A call excuse for not attending my lone I request YEAR RND STATE MENT for this lone said : will be sended to fax numbers I dont have fax number Never response XXXX extension XXXX home preservation client representative XXXX XXXX XXXX I paid off I need my the year end statements for tax purposes Never response

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 2022-08-04
Company: Experian Information Solutions Inc.
State: VA
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:
It has been drawn out into the open that you are not hindering records when I senta copy of FTC report. Since it is a necessity by regulation 605b of the FCRAI 'm sending this Complaint to assist with laying out a lawful response. In theevent that you decide to not obstruct the accompanying things recorded beneathwhich are answering erroneously because of fraud, I will hand my archives overto my lawyer to begin a legitimate activity. It's my goal to not seek after anylegitimate activity so if it's not too much trouble, comply with the law. 
XXXX  XXXX Balance : {$95.00} XXXXl XXXX Balance : {$120.00} XXXX XXXX Bankruptcy XXXX Balance : {$0.00} XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX Balance : {$720.00}

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 2015-12-01
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage loan servicing company ( LoanCare, a XXXX company ) website, www.myloancare.com has been down for days. 

I am simply attempting to make a a payment. This seems to happen often, usually around the end of the month. When I call the customer assistance phone number, I spend 30-40 minutes on hold, only to be told that website is fine. It is not operational, however, and I can not submit my payment. 

Please help! Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
XXXX Transfer Confirmation # XXXX from Bank of America checking account on XX/XX/2021 in the amount of {$3000.00} to XXXXXXXX XXXX checking account. 

On XXXX XXXX, 2021, email communication to President and CEO of Bank of America to seek help for the reimbursement of {$3000.00} which we never received the reimbursement to date.

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 2021-03-15
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I mailed a dispute with XXXX and Experian to verify and there was inaccurate account information on my credit report. Both agency have fill to comply with the laws set in place when it come to updating me on the investigation. It have been will over 30 days.

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 2021-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is in regard to collection listed XXXX XXXX XXXX for {$230.00} on XX/XX/XXXX Transunion. First time appearing on my credit report. 

XXXX XXXX membership and access to the fitness club were closed during Covid. I was paying mo! monthly membership but could not access the club. I contacted XXXX XXXX several times to cancel my membership and it was not processed. Gyms have been closed for about 9 months and now they are opened with one having to wear a mask during a workout. 

I called 2 times to this collection agency ( first on XXXX and then on XX/XX/XXXX ) to ask them to call me regarding that I cancel the membership and it was not processed. No one called me back. Called today and left a message. I also called XXXX XXXX today XX/XX/XXXX and they said they noted that my membership was not processed. The gym was closed and for a while, I was still paying for a service that I was not able to access. XXXX XXXX should reimburse me. I am requesting that this collection amount be taken off of 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 2022-04-08
Company: Spring Oaks Capital, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Ive been struggling with all 3 credit bureaus on My legal name change and now this Account problem all 3 of my Accounts have a Listed Account XXXX XXXX that has been charged off 4 years ago and Spring Oaks LLC is listed on my Credit Report also. Same Debt Duplicate Debt listed Ive contacted XXXX they will not remove it. Spring Oaks LLC states that they bought the debt from XXXX  XXXX.who purchased the Debt from XXXX This is Destroying my Credit the FCRA states this is illegal please delete both accounts for Violation of The FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: Bull City Financial Solutions, 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 belongs to someone else

Complaint:
I logged onto my credit monitoring site and there are a few fraudulent accounts that's on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: SC
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:
Creditor : XXXX & XXXX XXXX ( Original Creditor : XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX  ( Original Creditor : XXXX IN ), Account : XXXX Reason : Delete this unverified and inaccurate account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
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:
I summited a request to XXXX and Experian asking how they did obtain my bankruptcy, and if they could delete it from my credit report. in return they stated it was verified by the United States bankruptcy XXXX. I wrote the United States bankruptcy XXXX and asked how they report? I received a letter from the United States bankruptcy stating that they do not report any information to the credit bureaus.

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 2021-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 just received a letter in the mail from XXXX XXXX XXXX XXXX advising that they are reporting accurate information on my credit report. But according to their letter and the information on my file clearly shows the violation of FDCPA and FCRA law. Please see attachment. 

XXXX XXXX XXXX XXXX is reporting the date of last payment on XX/XX/2016 which is false information and is adding another year to being reported on my account. This date is when the car was bought at an auction which is no longer my responsibility.

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 2021-03-15
Company: Minto Financial dba Minto Money
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a short term loan online. It redirected me to a loan website and said I would be contacted shortly by a representative. The number that called me was XXXX. At first they seemed like a legit business and I was in the process of giving them some of my information. Then I started receiving picture messages from the number calling me a XXXX as well as other offensive language. That's when I realized that this was clearly a scam and this number needed to be reported.

Company response to consumer: Closed with explanation