BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-28
Company: JPMORGAN CHASE & CO.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
About XXXX months ago, I received a call from someone claiming to work at a law office. He left a threatening message saying he was about to take me to court and put a lien on my home due to back owed debt. He said he may also reach out to my employer to garnish wages. He said I owed money to a XXXX XXXX XXXX and there was an amount outstanding with interest. I had a credit card nearly XXXX  years ago with that name but as far as I remember it was paid off and the account was closed nearly XXXX  years ago. I checked my credit report and I have XXXX items in collections and no issues on my credit report. I told him to send me a statement with the information. It was never sent to me. 

Today my mother received a threatening message from someone named XXXX XXXX. Here 's the transcription " This is urgent message intended for ( MY NAME ) also known as ( MY Maiden NAME ) my name is XXXX XXXX XXXX XXXX XXXX our office has been retained regarding a pending summons and background investigation being ordered against ( MY NAME ) if no contact is establish with the issuing firm today our field agents will be dispatched to a property address and or any verified place of employment on record it is imperative that ( MY NAME ) _____________ firm today at XXXX and references for case number XXXX a failure to respond to result in an order of noncompliance and a failed ______ to ___________ phone number XXXX case number ( CASE NUMBER ) I called the phone number and it sounded exactly like the same people who were trying to contact me before. The name of the firm was called XXXX XXXX and XXXX ( this is an approximate spelling as it was said over the phone. ) I asked her for the full name of the firm and in which state the firm was practicing. The woman on the other end of the call was very irritated and said she practices in XXXX and stated the law firm 's name slowly and became aggressive. She asked me for my case number over and over again and I hung up. I believe these are the same people who did not send a statement of what was owed and because I have nothing in collections, I felt it was a scam and anything I said was going to be used against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Comenity bank has been inaccessible since last week, XX/XX/XXXX to present. Can not login to check balance, says you can make a payment but get a login error when trying to do so. 

As of XX/XX/XXXX they also say their offices are closed due to unforeseen circumstances. still can not access account. Have reached out on various social media platforms, response is auto generated and vague

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This has been going on with Bank Of America in XXXX XXXX Florida on XXXX XXXX I had an account with XXXX and they were taking money out of my account for items that I did not receive so I went to the bank immediately with XXXX pages showing them that there were errors so they issued me a temporary credit and then they took the credit back now this has been going on since XXXX I am still out close to {$1000.00} when I went to the branch the manager whose name is XXXX and I have her on video and recording telling me that anything to do with checking and savings is not her problem she sat me at a vacant desk in the office there and told me to handle it myself which I also have on video, then because the monies were not in my account they took them out of my husbands savings account which was the money that we keep our mortgage money in, this has caused nothing but problems I even drove to XXXX to the main office to try and get it resolved they faxed XXXX pages of documentation proving that these charges were not accurate and that Bank Of America dropped the ball and its cost me literally no With no exaggeration I have spent the equivalent of two weeks on the telephone trying to get this straightened out and just yesterday I got a letter from Bank Of America stating they were issuing me a credit of {$160.00} and then today it shows the account negative by {$200.00} this is what I have been dealing with continuously am asking that somebody intervene because the branch manager there in her own words this isnt stuff she handles and she wouldnt be bothered with it I went in every day for almost 10 days before I took the hour drive to XXXX I am begging that somebody resolves this. With respect 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 monetary relief
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.

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 2022-06-28
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
American Express has closed out multiple CFPB complaints without resoving the issue involving me not receiving statements. I have filed a complaint based upon credit discrimination and XXXX discrimination with DoJ. I notified American Express on XXXX XX/XX/2022 by e-mailing : XXXX, which appears to be an e-mail address for American Express XXXX XXXX. XXXX XXXX  acknowledged receipt of the e-mail on XXXX XX/XX/2022 and stated they were " forwarding my request '' to the appropriate department. '' A copy of the e-mail and response is attaced.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Comenity Bank has failed to allow access to customer accounts and is charging interest and fees. Comenity bank has locked me out of my account for months and has not had any customer service to access the account. Comenity has not been drafting my payments from my account for months now, which I initiated through " Easy Pay '' that allows to you pay your bill without Sign-on. Again, they are charging fees and interest during this time, this seems very criminal and similar to extortion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent multiple letters requesting my name to be corrected my address and employer nothing has changed on my credit file

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 2022-06-28
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am trying to make a payment through XXXX Comenity payment portal but the site has been down since XX/XX/XXXX. They have turned off the customer service phone lines and there is no way to contact a rep nor any way to make a payment. Most importantly, there is no estimate as to when systems will be back up. This is messing with peoples credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I submitted requests to : TransUnion, XXXX  and XXXX, asking them to remove my bankruptcy from my credit report, because : 1. They are violating my rights to privacy.

2. They are ruining my credit reputation. 

I have not heard anything back from them. My letters were sent on XX/XX/XXXX, and as of today, I have not received any investigation results. 

Please 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 explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC.

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 2023-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I received an cashier 's check from Capital one on are around the year of XXXX and had a very difficult time trying to cash it so I uploaded the check to my capital one mobile account with all correct documents and I reached out to them stating that my funds were never processed and they connected me to someone that stated that my account was no longer available due to the fact that I was being a victim of fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Telsa Motors Inc
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Please reference existing complaint CFPB # XXXX submitted on XX/XX/2022 regarding this issue. 
Tesla has not responded to my complaint nor has it stopped demanding unjustified late fees. This complaint is regarding what appears to be retaliation and harassment for filing the CFPB complaint.

1. Tesla has begun texting me repeatedly, claiming that my account is past due when they are well aware that I have made a complaint regarding unjustified late fees and they have not resolved that complaint or even responded to it. I have received 8 such texts, and some emails, since XX/XX/2022. 
2. Tesla no longer mails me paper bills, and sends me emails that my invoice is " available on my Tesla app. '' I received such an email today and attempted to access the invoice on my Tesla app account as instructed. when I logged into the account and accessed the " financing '' tab where the invoices were previously shown as links to pdf files, the financing tab would not open and showed an error message telling me to try again. After several unsuccessful attempts, the " financing '' tab has now disappeared from the application when I open and log into my account. I no longer have a way to access my lease invoice, payment history, or account documents. 
I request that Tesla be ordered to provide me with timely copies of the invoices, payment history, and other lease document either by email, mail, or through a working application. i also request the relief for my original complaint including removing unreasonable late charges and accepting and processing mailed payments by check in a prompt manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
i applied for a Best Buy credit card to get 12 months free financing and was denied for the card but offered one that charges an annual fee of {$59.00}. i refused and paid in cash for the purchase. i received a denial letter in the mail with the reason for the adverse action as " Insufficient Credit Experience ''. This can not be correct. i pulled my XXXX report and i have 24 years and 6 months of credit history, not to mention that i have had at least two prior Best Buy credit cards just to get the free financing that have since expired because i don't use them. i have never been late making a bill payment and my credit is excellent and my income is good. I'm sure i was targeted because of my income and credit history for a high fee card. This is unacceptable and totally against any consumer compliance regulation - Fair Lending - Reg. B. i tried contacting CitiBank ( the number on the adverse action letter ) only to get a run around. it's totally automated and there is no option to ask about the reason for denial other than to get a copy of my credit report, which i did. This confirms the length of my credit history.

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 2022-06-28
Company: Aspen Yo LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please refer to # XXXX as this is the same problem. 
Unfortunately whoever answered the previous complaint did not sign or indicate a name on the letter to me so I am unable to address him/her. Although Gregory Funding has stated that they sent my tax payment to the XXXX XXXX  XXXX on XX/XX/2022 it has still not been received and credited by the XXXX XXXX XXXXXXXX. 14 weeks later my original tax payment of {$2300.00} generated fines and penalties resulting in the amount due to the XXXX XXXX XXXXXXXX as {$2500.00}. I have tried to get thru to Gregory Funding to obtain a copy of the cancelled check so that I can work with the XXXX XXXX XXXXXXXX to credit my tax obligation. It is impossible to get thru to customer service, therefore there is no customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 XXXX  XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX  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 2022-06-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have tried to get this late payment off my credit from XXXX, XXXX, and Experian. I have not been successful. 

I have received this letter from the creditor ( XXXX/XXXX  ) showing that they should remove the late notation and to make it " current ''. 

This is in regard to account # XXXX/XXXX  # XXXX Please help me get this removed.

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 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have tried to get this late payment off my credit from XXXX, Transunion, and XXXX. I have not been successful. 

I have received this letter from the creditor ( XXXX ) showing that they should remove the late notation and to make it " current ''. 

This is in regard to account # XXXX # XXXX Please help me get this removed.

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 2023-11-08
Company: CITIBANK, N.A.
State: OH
Product: Credit reporting 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 still having trouble with removing the fraud from my report my whole complete identity was changed address name spelling telephone numbers and accounts where added from my caregiver stealing from me while sick and insurance fraud from the rental company XXXX XXXX XXXX, I have video proof that the apartment was cleaned I paid a service to clean i have video proof that the apartment was in good condition and a letter in the form of affidavit that the carpet was 5 years old when i moved in because the original apartment was infested with roaches in the back. and I have recourse for all the information I have listed. 
XXXX XXXX XXXX  has two fraud accounts and they won't remove them I have provided them and Citibank with police report number about my case and proof of affidavits which I have copies of no response or reply. I talked to XXXX XXXX  to they disregarded my information due to frivolous reasons that I filed out the form incorrectly I will list the police report and the affidavit I sent them below. that they couldn't find the account when I put the account numbers that were sent and told to me by their agent. However they want me to resubmit the documents and they had to update the information only by mail I need these issues resolved because I didn't destroy the unit at XXXX XXXX i have video evidence and they have also filled mutilple account charges from their company and another company XXXX XXXX XXXX for XXXX on a bond that i never hade knowledge of they take your signature and sign it manually in the back office not aware of any contract with the original creditor I reported to the XXXX XXXX XXXX XXXX that they have made fraud reports on insurance claims because i have evidence no repsonse from XXXX XXXX XXXX nor its affiliates they are operating in shady business practices.

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 2022-06-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have tried to get this late payment off my credit from Equifax, XXXX, and XXXX. I have not been successful. 

I have received this letter from the creditor ( XXXX ) showing that they should remove the late notation and to make it " current ''. 

This is in regard to account # XXXX  # XXXX Please help me get this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I reported to Chase that I lost this credit card ( XXXX XXXX XXXX XXXX ) in XX/XX/XXXX. There was fraudulent charge in the amount of {$11000.00} after I lost this card. All transactions were happened in XXXX XXXX on XX/XX/XXXX. I obtained an invoice from one of the merchants of ID Hospitals in XXXX XXXX. I am attaching the invoice which clearly indicated that it was XXXX XXXX who used my lost credit card for all transactions in XX/XX/XXXX. 

Despite a clear evidence of the invoice, Chase still sent me letter indicating I made the transaction. I am here to file a complaint against Chase for not handling fraudulent charge and report to CFPB to damage my credit score. 

Please remove all fraudulent charges on this lost credit card. 

Your sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation