BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX. I was shopping on the XXXX XXXX   and ran into a couple pair of shoes. I was interested in them so I contacted the seller. He requested me to send him the payment of XXXX through XXXX. So I did. After I paid him. Hours later he sent me a receipt showing proof that he shipped the pair of shoes out to me. I thought it was pretty legit so I purchased more shoes and sent him 2 more transactions for 2 pairs of shoes. One of XXXX from my savings account. And another of XXXX on XX/XX/XXXX. The first pair of shoes were expected to arrive Friday, XX/XX/XXXX. And the other two were expected to arrive on Saturday, XX/XX/XXXX. It is now XX/XX/XXXX and I have not received anything. I tried and tried contacting him but no response from him at all. I contacted my bank. Bank of America and they told me that since I sent the seller or should I scammer money through XXXX. And that it is a third party, BofA can not and will not be able to dispute the multiple transactions. Which I think and believe is very unfair. I just lost 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 2022-08-27
Company: EQUIFAX, INC.
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I opened a credit card with XXXXXXXX XXXX XX/XX/XXXX. Payment history shows XX/XX/XXXX reported as 30 days late and XX/XX/XXXX reported as 60 days late. This was due to a medical emergency that I experienced that put me in the XXXX for three and a half weeks. I was unable to make arrangements with XXXX XXXX due to my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Today, on XX/XX/2020 I called USAA bank to remove consent from overdraft protection per Regulation E so that instead of incurring overdraft charges, they would The representative on the phone told me that it is USAAs policy that they will not remove overdraft protection from a checking account.

This is a violation of regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: EQUIFAX, 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:
I'm requesting a 1099c for the following accounts inwhich should not even be reporting on my credit file.

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX   3. XXXX XXXX XXXX XXXX 4. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: DISCOVER BANK
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
For about the last 6 to 8 months Discover Bank/Discover XXXX XXXX  has been calling me stating that they own my mortgage ( They DO NOT) and if I do not pay their credit cards the XXXX that they claim that I own them they will take my home!  This is the second complaint I am making about them calling me all the tie with their lies< the did stop for one month!  Also they are still setting up fake accounts using my email one was for a porn site!
They have also taken over $XXXX from my other credit cards!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
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:
I am a victim of identity theft. Have a fraudulent account and hard inquiries listed on my Trans Union, XXXX and XXXX credit report. The following account and hard inquiries are fraudulent and do n't belong to me : XXXX XXXX, {$130.00}, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX,XX/XX/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 2022-08-27
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/2022, I submitted a written request for the two CRAs to 1 ) update the XXXX maintained by both Equifax and XXXX to delete derogatory items that are 7 or more years out of date & 2 ) provide a copy of the corrected " report '' ASAP. The written request included substantial documentation to establish the bone fide authorization including old versions of each CRA 's consumer credit report ; the XXXX result from XXXX CRA who already did it after a request was filed ; a certified copy of my Driver License Abstract ( because it is public information ) including the citation from Washington State law ( RCW 46.20.035 ) which establishes " a driver 's license .. is valid for identification purposes. '' However, I refuse to provide these private corporations with my social security number because it is NOT public information & they have no right to demand it from a consumer ; i.e., Social Security Administration publications state that providing it to non-governmental entity is voluntary. 

There has been no response & more than 30 days have passed. I stated in the letter all contact is to be written.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Inaccurate items on 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 2017-04-11
Company: AMERICAN HONDA FINANCE CORP
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was shocked when I reviewed my credit report and found late payments on the dates below : 30 days past due XXXX/2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: CITIBANK, N.A.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have 2 credit card account with CITI. The limits were cut on both cards ; one from {$15000.00} to {$300.00} and the other from {$10000.00} to {$5000.00}. I called customer service to find out why they took this action and was told it was because I had a late payment on a non-CITI account. This late payment was an error and I was already in the dispute process. I escalated this complaint with the corporate office and they agreed to re-evaluate my account. I later received a response informing me that they were " unable '' to reinstate my credit line but instead gave a different reason for their decision ( that I was carrying too much debt across my other credit lines ). My debt level has not been an issue in the past and has also not been a factor with CITI in the past. Based on my payment history, I have had no issues maintaining my payments and by balance often go up and down depending on my spending needs. I find this an unfair practice by CITI and I am appalled that this company would treat not only a long term customer with a perfect payment history but a member of the armed forces with about as stable an income source as one can get.

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 2018-04-03
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted XXXX XXXX XXXX  and told them I was a victim of identity theft and I did not open a account with XXXX I was rerouted to XXXX and XXXX told me I dont have any accounts with them and my account balance is {$0.00} I contacted XXXX XXXX XXXX again and reported this information and was told they bought my account from XXXX. I have no open account with XXXX and I have never signed any contracts with XXXX XXXX XXXX and I do not owe them any money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-14
Company: Ability Recovery Services, LLC
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I am filing a complaint against Ability Recovery Service ( ARS ). This collection agency started reporting an item from XXXX XXXX on my XXXX and XXXX credit reports some time in XX/XX/XXXX, as noted on XXXX credit report # 1, dated XX/XX/XXXX The date of first delinquency is reporting as XX/XX/XXXX. On XXXX credit report # 2, dated XX/XX/XXXX, you can see that the item is no longer reporting. But on XXXX credit report # 3, dated XX/XX/XXXX the item has re-appeared with a new account number and a new date of first delinquency. This is a serious violation of the Fair Credit Reporting Act pertaining to Section 623 ( 5 ) ( A ) and has caused me a hardship with obtaining a home loan due to the fact that the item is reporting as n new collection less than a year old.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$26000.00} XX/XX/2019 XXXX XXXX XXXX XXXX {$9000.00} XX/XX/2019 2019

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 2022-08-27
Company: Experian Information Solutions Inc.
State: CA
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, these accounts have violated my rights. 

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 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 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  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 explanation
Consumer complaint received 2022-08-27
Company: U.S. BANCORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I applied online for an auto loan on Monday XX/XX/XXXX. I was applying to purchase a new XXXX. Nowhere in the application process did it say anything about not being able to finance a XXXX. XXXX allows third party financing so I thought I would go through my bank to finance the new car. After being approved for a {$68000.00} purchase I reached out to let them know that this was a XXXX and the delivery date may be later than the 30 days. After US Bank pulled my credit report and approved me for the loan they came to me 2 days later and told me that this loan was not eligible to purchase a XXXX. Again, nothing in the loan application stated that this was not possible. I spoke with a number of people at US Bank who all had conflicting answers. Now in order to finance the car I have to reapply through XXXX financing and they will have to pull my credit again. This definitely has a negative impact on my credit score and I really do not think this is right or justifiable. If I had seen any information in there explains that XXXX cars were not eligible I would have taken a different action.

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 2020-01-15
Company: U.S. BANCORP
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: Credit inquiries on your report that you don't recognize

Complaint:
I pulled my credit report on XX/XX/XXXX and notice account that was not mine. On XX/XX/XXXX US Bank representative opened up a credit card in the amount of {$420.00} without my consent. I contact US Bank see attached letter. I have called the bank several times, they said they are investigating, NO ANSWER

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 2022-08-27
Company: PNC Bank N.A.
State: AL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I was talking with my personal banker at PNC Bank in XXXXXXXX XXXX  about trying to resolve some personal debt, and she recommended a HELOC to consolidate my debt and pay off credit cards. everything we discussed was a {$320000.00} fixed rate HELOC with the only difference between it and a mortgage was that this wouldn't have an escrow account to pay my home owners insurance and property taxes, I would be responsible for that on my own. At the time I started and completed the application XXXX XXXX XXXX XXXX time frame ), I was told my fixed rate was LOCKED in at 4.28 % while we went through the entire process all the way to closing. It took 5-6 weeks to get to closing ( middle of XX/XX/2022 ) and the day before we closed, my loan officer from the PNC cooperate office called and told me the rate was 5.44 %. I called my personal banker at the PNC XXXX branch and told her it was different than what we had been discussing the entire time, but she went to her higher ups and got confirmation that the rate was locked in at 4.28 %. When we went to close, some forms said 4.28 % and some said 5.44 %, but my personal banker had gotten confirmation and we ( she, me, and the other PNC employee who was there at signing ) discussed that the rate was 4.28 % fixed rate. I signed and everything was good to go! My first statement even shows 4.28 % on the initial line of credit, but it shows the interest rate being at 5.44 %. Then the loan shows up on my account and is showing that I owed what would be 4.78 %, despite showing everything we had discussed with it being 4.28 % fixed rate. When I questioned the corporate office, they said that the " prime rate '' had increased between when I applied and when I closed ( even though I was notified and NONE of my paperwork said anything about 4.78 % ). After my first payment, I noticed that the payment amount was not 4.78 % interest, but actually 5.44 % interest. After much back and forth with my personal banker and the corporate office, they say I am stuck at 5.44 % even though there are call logs and all the paperwork showing between me and other PNC employees with us discussing that the rate is 4.28 % fixed rate. The local PNC bank has been extremely helpful and I feel that they are fighting to help me, but the corporate office is not being helpful or fair at all. My personal banker, the other PNC employee who was at signing, and myself were ALL under the impression that this was a 4.28 % fixed rate loan. If I were to keep this loan for the 30 years I would be paying an extra {$75000.00} because they took advantage of the situation. In the beginning, I was told this was 4.28 % fixed rate and it has changed twice without notice ( i have paperwork showing this ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I had made a deal with a credit card company to have fund taken out of my checking acct of XXXX a month until it was paid so they took out XXXX payment then sold to a collection agencythen took XXXX more payments of the same amount this was a XXXX card at the time I made the deal I had like XXXX before theyhad late fees over the limit fee how can I be over my limit when I have maid payments now I have all paper work they took payment after they sold the note. 
Now they Are going to garnish my pay forXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-08
Company: U.S. BANCORP
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Due to financial setbacks in XX/XX/XXXX, we finally had to file for Bankruptcy in XX/XX/XXXX. We struggled to make all our payments and comply with the trustee guidelines. Throughout the process, US bank tried- on numerous occasions- to file a motion for relief of stay with the bankruptcy court but each time our attorneys fought for us. They even claimed that we did not make all of our payments through the bankruptcy and the attorneys had to go to court & produce records in conjunction with our records that we did. Finally, after XXXX painful years fighting US bank and paying off creditors, our Ch. XXXX was discharged in XXXX of XXXX. Sadly, the harassment by US bank continues. They failed to update their records and clear of a motion to foreclose on our property in XXXX. As a result, on XXXX XXXX, XXXX we received a letter dated XXXX XXXX, from XXXX XXXX XXXX that our mortgage has been referred to their firm for Foreclosure. This was a complete shock and re-opened wounds that we thought were healed! I spent much time on the phone trying to get this new matter cleared up and answers as to why this happened. They said they would take care of the matter. I ca n't put into words how discouraged and tired we are of the harassment by this bank. They have tried repeatedly over the years to seize our property. We are current on our loan! We did receive a loan modification during the Ch. XXXX but only after years of filling out applications and being denied repeatedly. We had to complain to this agency on that matter too. We have much equity in our house but because of the bankruptcy and a damaged credit history, we ca n't pull from it to get needed home repairs. US bank knows this. US bank is one of many banks that use their power to intimidate hard working homeowners and should be held accountable for their actions. We feel they have a vendetta against us and we should no longer suffer this emotional and financial torment.

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