BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-19
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Overcharged for a purchase or transfer you did make with the card

Complaint:
on XX/XX/21 at about XXXX, I used my visa prepaid card to purchase {$25.00} of gas at XXXX XXXX gas station, but only received about {$14.00} worth of gas, I asked XXXX XXXX staff member for the difference back, and she said the difference ( {$10.00} ) will go back onto my card, but it did not. 

On about XX/XX/21 I called Blackhawk Network who manages the prepaid Visa gift card and told them the issue. 

On XX/XX/21 I submitted an overcharged dispute form to Blackhawk Network via email and other supporting documentation. They are currently repeatedly asking for the same supporting documentation or they will close my claim soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Credit card
Issue: Other

Complaint:
i received a call from a XXXX telling me he was with XXXX.he proceeded to tell me he could set up an llc and file all necessary paperwork with both the state and irs.the company and XXXX never provided me any service and the merchants merchandise was not as described.XXXX called me on XXXX XXXX and reviewed expenses i listed for a grant.there was also no grant.i called my credit card bank of america to report this scam and i had been taken for XXXX.i explained the whole situation to them to no avail.they told me i waited to long.this company strung me along i believe to make sure i could not dispute. i wonder how bank of america could let somebody like this have a merchant account with their bank.even with no goods or services bank of america paid these people and took my money.i dont believe bank of america looked into this at all because even the money paid for this service was illegal.if i cant count on my financial institution what do i have them for.

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 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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, # XXXX, # XXXX, and # 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 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 non-monetary relief
Consumer complaint received 2022-05-15
Company: EQUIFAX, INC.
State: KY
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. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: Big Picture Loans, LLC
State: MD
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I could n't see the lender agreement until after the loan was processed so I did n't see the true cost of the loan before I agreed. I thought the loan should be paid off by now, so i contacted them. I got the {$600.00} loan 90 days ago, I pay {$210.00} every 2 weeks and I was told I still have a balance of {$810.00}!!!! Please, Please, Please HELP ME!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: EQUIFAX, INC.
State: UT
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, # XXXX, # XXXX, and # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: PNC Bank N.A.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Good Afternoon, I'm contacting you in reference to issues with my account # XXXX with PNC Bank.I have continuosly reached out to PNC bank concerning a XX/XX/XXXX late payment showing on my XXXX and XXXX credit report. I initially had bewn in contact with XXXX XXXX in executive client relations on XXXX XXXX XXXX corrected other issues with my account, but never removed the XX/XX/XXXX late payment.I reached out to CEO XXXX XXXX via email on XX/XX/XXXX whom referred me to XXXX XXXX XXXX XXXX XXXX XXXX XXXX emailed me on XX/XX/XXXX and assured me she would look into the issue further. I asked for a detailed payment history and XXXX XXXX XXXX sent me a payment history with no dates or reference to payments.I emailed XXXX XXXX XXXX on XXXX XXXX informing her that the payment history she sent me showed no XX/XX/XXXX late payment and asked her to remove it. I received no response from XXXX. I emailed CEO XXXX XXXX on XX/XX/XXXX and forwarded the e-mail between XXXX XXXX and myself.I also sent a certified letter with return receipt to CEO XXXX XXXXPNC Bank hasn't updated my account on my credit report since XX/XX/XXXX. I can not get anyone from PNC Bank to resolve this issue on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
CAPITAL ONE closed my consumer credit card account and refused to honor my instrument and offset the debt. This is a violation of 12 CFR 1026.11, due to the noncompliance and the closing of my consumer account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Date reported- XX/XX/2018 Charge off amount- {$530.00} Lost my job so wasn't able to make my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: EQUIFAX, INC.
State: MN
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: Other problem getting your report or credit score

Complaint:
I tried to unfreeze my credit report with Equifax. I went online and used my email account and password. The computer said it was invalid. I used their phone number. The computer said they were unable to verify my information. The computer voice said I could fax them a letter. I prepared the letter with the information they required. The fax number they gave is no longer in service. There is no way to contact Equifax to get my credit freeze removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Experian Information Solutions Inc.
State: PA
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 submitting this complaint about recent disputes sent to Experian about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : 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 2016-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Good Afternoon CFPB- REQUEST TO LOCATE MY INVESTOR Case # XXXX I spoke with XXXX XXXX XXXX XXXX. The above case number is related but is not why I am reaching out today. 
I have been attempting to locate my investor for 2 years. My servicer BofA had repeatedly stated that they have no access to that information. With the new ruling we as homeowners have the right to know who owns our homes. Subsequent to this ruling the BofA sent me a letter stating the investor is Bank XXXX. 

I contacted XXXX and received their response that they are not the investor and do not physically own the loan or my property. The letter goes on to say BofA is the direct and only contact in regards to my request. 

So a dead end. I spoke with my contact person in the advocacy department BofA today, her records show XXXX as the investor, and she expressed an opinion that when banks absorb other banks accessing information gets buried and it may be the case that BofA may be both the servicer and the investor. 

This seems deliberate and calculated to continue to not have access to who owns my loan. I have a business plan that I have prepared to demonstrate viability in paying my monthly mortgage obligation. I sent his proposal to BYN by registered mail, signature required. here was no return of my business plan or the signature card, only the response email stating they are not the investor. 

MY SALE DATE IS XXXX XXXX, XXXX. I will send via fax the documentation I have referenced. 

I am glad I can bring this to your attention, and am asking that you can look into this matter. I have very little time remaining, and am hoping this sale date will be removed as CFPB reviews my documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
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: Investigation took more than 30 days

Complaint:
I've written Equifax about a collection account ( XXXX XXXX ) that's on my credit report and to no avail a response has not been received and it has been well over 30 days. This account should be deleted from my credit reports. It is sole the responsibility of the credit bureau to make sure all information is verified. According to the FCRA you are required to go beyond the original creditor to verify all information reporting because you are getting paid to do so. you are required to obtain original copy of the application or contract when this account was open, or applied for. I need the proof. How was this verified? 
Congress states : that the Credit Report Agency shall within a responsible period of time reinvestigate and promptly delete inaccurate unverifiable info. This needs to be deleted immediately. 
XXXX XXXX also stated that they never had a contract with me or original signed document so how can this just be placed on my credit without a proper investigation going the full length of making sure the information is verified thoroughly thorough the original said creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: EQUIFAX, INC.
State: PA
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 submitting this complaint about recent disputes sent to Equifax about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Other

Complaint:
I have a XXXX XXXX mileage plus credit card from Chase. As part of the benefits of the credit card each year the consumer receives XXXX XXXX XXXX passes. These passes have an expiration date on them. However, in the past XXXX has look the other way to use expired passes ( not every time though ). The consumer pays an annual fee each year the credit card account is open. If the passenger/consumer cant walk into a XXXX club with a day pass then why should the consumer be charged an annual fee from Chase? During the past several months XXXX XXXX has disavow/refusing day club passes at various airports ( that come with its co-brand credit card ) access to open lounges in XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, etc ... while the airline renovates other lounges in the same airports. Poor passenger experience and signals that cobrand cardholders are second class customers. Even if a consumer/passenger is flying on a paid walk up, last minute prem. XXXX First class ticket and showed XXXX of the XXXX passes, still denied entry! Last month in XXXX I was flying to/from XXXX XXXX XXXX and XXXX failed to renew liquor license so XXXX dry days at XXXX XXXX Airport. The gaffe affected XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX in XXXX XXXX. The XXXX club in terminal A could have served alcohol, however its closed for renovation. Looks like Mileage Plus is a now a second tier program. I guess co-branded Chase Airline/Club cards are the next whack.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-10
Company: EQUIFAX, INC.
State: AR
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:
Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for tis and I will always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on the application are not mine. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, has fraudulent accounts on my credit profile that need to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Experian Information Solutions Inc.
State: AR
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:
Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for tis and I will always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on the application are not mine. Please remove these items from my 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 2016-09-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I went to use my debit card and learned that all of my accounts have been closed. I went to a branch and they confirmed this. Chase bank has given no reason or is willing to reverse the outcome for me. They are saying it will take 7 days for me to get my money back, which, that 's all of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
After I received this loan, once I tried to view the billing statement I have no ability to see my balance, interest, payoff criteria, nor any other pertinent data regarding the financial account of this loan. I have no ability to ensure that I am not being overcharged nor payoff or transferring this loan to another provider.

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 2022-05-15
Company: EQUIFAX, INC.
State: TX
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 sent out 2 letters each on XX/XX/2022 through certified mail to Equifax, XXXX and XXXX to remove personal information that I do not want on my credit report. According to FCRA 15 U.S.C 1681 I have the right to privacy and according to 15 U.S.C 6802, no financial institution can share my personal information to third parties. I also did not give written permission for any company to furnish these items on my credit report. 

These are blatant violations of my federally protected consumer rights. 

Here are the individual tracking numbers : 1. XXXX Delivered XXXX XXXX 2. XXXX Delivered XXXX XXXX 3. XXXX Delivered XXXX XXXX 4. XXXX Delivered XXXX XXXX 5. XXXX Delivered XXXX XXXX 6. XXXX Delivered XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 sent out 2 letters each on XX/XX/2022 through certified mail to XXXX, XXXX and TransUnion to remove personal information that I do not want on my credit report. According to FCRA 15 U.S.C 1681 I have the right to privacy and according to 15 U.S.C 6802, no financial institution can share my personal information to third parties. I also did not give written permission for any company to furnish these items on my credit report.

These are blatant violations of my federally protected consumer rights. 

Here are the individual tracking numbers : 1. XXXX Delivered XXXX XXXX 2. XXXX Delivered XXXX XXXX 3. XXXX Delivered XXXX XXXX 4. XXXX Delivered XXXX XXXX 5. XXXX Delivered XXXX XXXX 6. XXXX Delivered 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 2015-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My wife and I filed a chapter XXXX bankruptcy in XX/XX/XXXX and surrendered our home to Countrywide. We turned the keys over to the bankruptcy attorney moved to XXXX. We managed our credit and managing our debt for the last seven years and now want to buy a home. We found one and got qualified for a new mortgage but then were denied because the old home included in the bankruptcy in XX/XX/XXXX was still in our names. it has never been sold, or foreclosed upon and apparently just sits there. After a lot of digging and phone calls Bank of America inherited it from Countrywide. It was to be foreclosed on in XX/XX/XXXX. Bank of America took possession of the property in XX/XX/XXXX. The foreclosure never happened, in XX/XX/XXXX the state of XXXX dropped the foreclosure proceedings due to a lack of paper work being filed. The loan was sold to XXXX XXXX and then to XXXX who has it now. It is in a file at an attorneys by the name of XXXX XXXX XXXX. from XXXX They are the loss mitigation for XXXX and no help what so ever. I called and asked how to remove my name from the deed, but they do not care. The house was discharged in the bankruptcy in XX/XX/XXXX and the bank refuses to take ownership of the property so what am I to do?

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