BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-11
Company: COMMERCE BANK
State: VT
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:
I had applied for the commerce bank charity charge credit card on XX/XX/2020 as I have an alert on my credit report a representative from commerce bank called me to verify my identity on XX/XX/2020 asked me identifying information from my credit report to verify me I answered all answers correctly and and the woman had said I was approved for the card with a XXXX limit and my card would be sent out and arrive within 10 business days. On XX/XX/XXXX I receive a letter from commerce bank bankcard verification department thats dated XX/XX/2020 asking me for drivers license and something with my address I faxed that in and spoke to someone who states my account would be reviewed within 3 days so XX/XX/XXXX I called to check the status and got a voicemail for that department no live person again today XX/XX/XXXX I spoke to the security department and was advised to speak to bankcard verification and was also told they would email that department for me as well needless to say I have left voicemails and nobody getting back to me today on XX/XX/XXXX I called in and was told my account was closed and still nobody has yet to contact me after leaving voicemails this is a horrible business practice open and approve an account and while the card is being mailed out to you they close the account that not only hurts my credit score it looks bad on my credit report as well as it will show closed by credit grantor I have excellent credit and I dont want this effecting my credit I would like to have this card reopened as I took a hard inquiry hit on my credit file and there is no reasoning behind this decision thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: OH
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:
On [ XXXX & XXXX ] I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. Your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. Numbers XXXX & XXXX listed below appear to be duplicate accounts. 

This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ).

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute.

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

Please reply within 15 days or delete the negative items, as originally requested. 
XXXX XXXX BANK Acct : XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX Acct : XXXX XXXX. XXXX XXXX XXXX Acct XXXX XXXX. XXXX XXXX XXXX : XXXX XXXX. XXXX XXXX : XXXX XXXX. XXXX XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX : XXXX XXXX. U S DEPT OF EDXXXX : 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 2020-02-11
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Opened a HOME DEPOT.COM XXXX credit card and on XXXX XXXX XXXX charged a purchase for {$22.00} Received email with bill. I asked what is best way to pay. No response after several requests. 

On XX/XX/XXXX A late fee was added LATE FEE {$22.00} On XX/XX/XXXX PAY-BY-PHONE PAYMENT XXXX IL {$22.00} But only {$22.00} was actually paid. 

Stopped using the card. 

On XX/XX/XXXX statement read Minimum Payment Due {$46.00} Payment Due Date XX/XX/2020 XX/XX/XXXX statement does not show XXXX payment. 

Also not allowed to make full payment XXXX online through my bank. Only allowed if Autopay is selected. 

Have attempted to cancel card but no response. 

This HOME DEPOT credit card is deceptive and website is difficult to use .This in my mind constitutes predatory 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 explanation
Consumer complaint received 2019-08-31
Company: Credit Corp Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Multiple calls during the day from Credit Corp solutions inc saying they were collecting a debt. I do not answer the call anymore. I have never received anything Stating I owed a debt. I was notified by attorney advertisement that Credit Corp Solutions inc has a lawsuit against me through small claims court. I have not received anything from the courts. I also do not see this company on my credit report as a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
ACCOUNT # XXXX HAS A OPEN DATE OF XX/XX/XXXX WITH NO PAYMENT HISTORY OR 30/60/90 DAYS LATE NOTICE. EQUIFAX IS NOT REPORTING 100 % ACCURATE INFORMATION ON MY CREDIT REPORT, THIS IS A VIOLATION OF MY RIGHTS UNDER THE FCRA AND FDCPA. P.S I HAVE NO KNOWLEDGE OF THIS ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: Experian Information Solutions Inc.
State: WA
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:
My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX, XXXX, WA XXXX. Phone number : XXXX. 

I went to the FTC website and linked to Experian. I ran my credit report. There is a name that does not belong to me : XXXX XXXX, name ID # XXXX. There are also two addresses that do not belong to me : XXXX XXXX XXXX XXXX, WA XXXX Address ID # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, WA XXXX Address ID # XXXX single family I have a XXXX who has stated to me multiple times that he has taken my name, " XXXX XXXX. '' He has threatened to XXXX me to get the inheritance that I am supposed to get from my father. I hope someone can help me find out about above information. Thank you so very much.

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 2019-08-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THIS COMPLAINT IS REGARDING ACCOUNT NO. 
XXXX, A XXXX XXXX ACCOUNT CLOSED BY THE GRANTOR IN XX/XX/XXXX. 
DEAR MR XXXX XXXX, CEO I HAVE SOME UNFORTUNATE NEWS REGARDING YOUR COMPANY : YOU HAVE EMPLOYED AN XXXX WHO ANSWERED THE LAST XX/XX/XXXX CFPB COMPLAINT WITH 31 PAGES OF  XXXX.YOUR EMPLOYEE IS THE ONLY ONE WINNING, DRAWING A SALARY FROM YOU FOR INEPT, CONFUSED RESPONSES TO THE CFPB. 
THESE ARE THE SIMPLE FACTS : I HAD ABOUT 500 DOLLARS IN CHARGES MADE BY SOMEONE ELSE WHO WRONGFULLY GOT A HOLD OF MY PRIVATE ACCOUNT INFORMATION AND CREATED A FRAUD AGAINST YOU AND ME.YOU FORGAVE THE DEBT, WROTE IT OFF OR WHATEVER ... ... ... ..YET YOU ARE HOLDING ME RESPONSIBLE FOR 30,60,90,120 DAY LATES ON AN ACCOUNT YOU PAID OR FORGAVE OR WROTE OFF DUE TO THE FRAUD. 
THIS MAKES NO SENSE WHATSOEVER. 
I HAVE 50 YEARS OF PERFECT CREDIT OTHER THAN THIS ACCOUNT.I HAVE XXXX AND AM BUSY FIGHTING IT.IM SORRY YOU, MR XXXX HAVE HIRED A CONFUSED XXXX BUT THE BUCK STOPS WITH YOU. 
PLEASE TAKE CARE OF THIS, I HAVE ATTACHED MY FTC IDENTITY THEFT REPORT REGARDING THIS ACCOUNT. 
SINCERELY, 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 2019-11-23
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: Account information incorrect

Complaint:
The loan was paid off in full in XX/XX/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 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This letter is a formal complaint that you are reporting inaccurate information on my credit report. I am writing to dispute fraudulent credit Inquiries on my credit report without my consent., nor did I give anyone authorization to do so. I am requesting that these Inquiries are deleted Inquiries : XXXX XXXXXXXX XXXX XXXX via XXXX XXXX -Inquiry date : XX/XX/2021 XXXX XXXX XXXX Inquiry date : XX/XX/2021 XXXX XXXX XXXX  -Inquiry date : XX/XX/2021

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 2017-09-12
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have a checkjng account with Debit Card through Regions Bank, XXXX, Alabama. On XXXX XXXX, XXXX the ending balance on my account was {$210.00}. The next business day after that date was Tuesday, XXXX XXXX, XXXX. Over that weekend there were twelve charges for purchases and one cash withdrawal a total of {$200.00}, leaving an available balance of {$14.00}. According to my statement, the last and final charge to my account that day was a {$210.00} fee for six ( 6 ) insufficient funds charges. 
On XXXX XXXX, there were charges made to the account a purchase of {$32.00}, a locksmith charge of {$120.00} and a fee for two ( 2 ) overdraft charges of {$72.00}. 

I do not question the final charge for the two overdraft charge fee but do question the charge made against my account on XXXX XXXX, for the six overdraft fees ( {$210.00} ). I was told by the branch manager of Regions Bank, XXXX, Alabama that the overdraft for which these charges were made actually occurred because of the two charges which were processed by the bank on XXXX XXXX, XXXX. 

I realize that this does not involve a lot of money but I believe the charge made to my account for the six overdraft charges came only from an unreasonable, unfair and self-serving interpretation of its fee policy by Regions. In effect I am being charged for overdraft that never existed. At the close of business on XXXX XXXX, XXXX, there should have been a balance of {$14.00} in my account and would have been that if not for the {$210.00} charge for the overdrafts that had not occurred, I would also like to also like to refer your attention refer your attention to the Online Banking statement from Regions. Please refer your attention to the account Summary section at the top of the statement which shows the Posted Balance, an itemization of all pending charges and then what is shown as " Available Balance ''. I was told by the Branch Manager that Available Balance did not mean what it says, that it could be affected by charges which had been received but not yet processed by the bank The two ( 2 ) charges  made to the account on XXXX XXXX, apparently created the overdrafts which were charged on 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 2022-08-25
Company: Nelnet, Inc.
State: NY
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:
XXXX reporting late pay for XXXX 2022 when the other XXXX XXXX are reporting on time. Correct this inaccuracy immediately. According to federal law, everything is supposed to be accurate on my report. Even the balance is incorrect. Update immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: JPMORGAN CHASE & CO.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have requested a goodwill adjustment from Chase or JPMCB AUTO so they can remove late payment status on my credit reports. On my XXXX, XXXX, and XXXX credit reports I am showing late payment status ' for the period XX/XX/XXXX. I have sent letters and called Chase on XX/XX/XXXX to request the adjustment. Chase did waive the late fees and attached is my account activity. You will see they waived the late fee on XX/XX/XXXX and XX/XX/XXXX. 

I have been in good standing and making my car loan payments on time since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to Experian XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint XXXX, and I'm including it again. 


XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Hello. I received today XX/XX/2020 a Netspend card ending on XXXX that I have never requested. I called the company three times but to let me talk with a representative I have to give them the numbers of the card to force me to activate it. I want they to cancel this card. I think it is a scam. My name is XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Experian Information Solutions Inc.
State: LA
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've sent letters to the credit bureaus on multiple occasions and they continuously send me vague letters that ends in them not removing these either fraudulent or accidental inquiries ending up on my credit report. The letters they send either states they verified or that credit inquiries can stay on your report for up to 2 years. Even when they send a letter stating they verified that this is my inquiry they never follow the law and state how they verified that I made the inquiry I am disputing.

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 2020-02-11
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Navient is saying I owe them {$70000.00} from a {$30000.00} loan I supposedly received when I was XXXX years old back in 2007. I asked for the promissory letter and have been given the run around and now I have a charge off on my credit report. I have not received a dime from Navient nor have I gave them a dime and I do not understand how they are on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: PLAZA HOME MORTGAGE, INC.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Since our mortgage account was sold to Plaza Home Mortgage I have trouble getting online to manage my account including getting my monthly statements so I called them three or four months ago to ask them to mail me my statements. As of this date XX/XX/2019 I have not received any statements and I can not access my account online at any of their sites. I called them again on XX/XX/2019 and was told that they show my statements were being mailed to me but I have not received any statements by mail. They have the correct address and I know my carrier has not lost all the statements mailed to me. We have lived at this same address for over 15 years and there has never been an issue with our mail. I was told they would request that my statements be mailed to me but I see nothing happening. I know I will have to call them again in a few months since their online sites are absolutely worthless for accessing my account. When I try to login online I get a message that they can't find my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I pay my TARGET RED CARD on the due date every month. Never late. XXXX XXXX I was charged a late fee. I made the payment on XXXX/XXXX/XXXX, my due date is the XXXX of each month. I was charged for paying on time, this is the 3rd time. After I made the online payment on XXXX I called to confirm they would not slick me and charge a late fee, the customer service rep, told me not to worry, we wont charge you. They keep phone records and time stamp payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-11
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have XXXX on my Citibank XXXX Credit Card from the beginning. I have made my payments on time before having a XXXX in XXXX XXXX. This has affected me physically and medically where I need to use the insurance of XXXX for payments towards my Citibank XXXX Credit Card. The response Citibank XXXX XXXX department response was not truthful as to the facts. They were called by my daughter as soon as possible which was in XXXX XXXX to have a XXXX Claim form mailed to me.They have been called more than once to mail a XXXX XXXX form. They recently mailed a XXXX XXXX form this year, but NEVER the XXXX XXXX Form. I was in and out the hospital several times after that and did not received the XXXX XXXX form. 
On XXXX XXXX, XXXX I received a letter dated XXXX XXXX, XXXX that my XXXX credit card will be closed, and I recently received another letter stating that only XXXX payment was made from the XXXX claim form submitted recently. On the XXXX claim form states that I am iXXXX for 24 months. It appears that XXXX is avoiding to pay for the time of me being XXXX XXXX  which included closing my XXXX Credit Card.

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 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 went on to XXXX XXXX and noticed that there was an account opened in my name fraudulently. I never opened account in question so I am a victim of fraud.

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