BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-28
Company: Credit Adjustments Inc
State: TX
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Dealing with communication tactics and improper contact to third parties ( family and relatives ). He has gotten ahold of me multiple times and knows the number to reach me at, but continues to call my husband ( multiple times ) my husbands father, my mother, my brother and possibly others ( these are the only ones who have reported getting a strange call from " XXXX XXXX at CAI trying to reach XXXX XXXX, please have her give me a call back. '' in voicemail. Of course family has googled CAI and his name and found it to be debt collection- which I find in direct violation of FDCPA and my rights. His harrassment continues and when I tried to reach him by phone have been told he is " on a conference call '' and will call me back- so phone calls are always on his terms. He wants me to consolidate this privately held student loan into my federal student loans ( Which I was told not to do due to interest rates skyrocketing ). I explained all of this to him and he continues harassment.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: NC
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
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, these accounts listed below have violated my to these so called debt collector to prove that I, XXXX XXXX XXXX am a debtor. The credit bureaus have been slow and neglectful to remove such accounts and have ruined my finances. 15 USC 1681sec. 602 A states I have a right to privacy. 15 USC 1681 sec. 604 A sec. 2 that a consumer reporting agency can not furnish an account without my written consent. 
XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: NC
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2015-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Hi, I am a Bank of America customer living abroad. I had money transfered to BOA from a bank here in XXXX where I live. The money was sent with all information correct except the XXXX. A trace was done on the amount of XXXX $ and XXXX ( the intermediary bank ) is said to have sent the money to Bank of America, but no information is being given regarding the funds. There has been no receipt of the funds and it has not reached my bank in over 1 month. I am receiving overdraft fees and little help from any of the American banks ( XXXX and Bank of America ). BOA is not responding to the trace sent by XXXX. In speaking to BOA they are saying, they do not see any traces. I have called every week and I am getting no help from my bank 's end in investigating. I had family go to both Boa and XXXX but they were of little help. Again, information from XXXX has been sent to BOA regarding my case as XXXX has opened an investigation. For some reason BOA has not responded to any of XXXX 's trace inquiries. I have attached documents from XXXX XXXX regarding this case. I really need help. 
Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-16
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
TD Bank is using fraudulent terms to bait people into signing up for their credit card and then not paying them the rewards that they are owed. In XX/XX/XXXX I applied for the TD Easy Rewards credit card. The terms and conditions on the application today are the same as they were back then. They state that for the XXXX 6 months, XXXX earns XXXX points at grocery stores with no cap. It explicitly states that the amount of rewards that one can earn is unlimited. Well, my son and I have a LOT of expenses at grocery stores so this was very attractive for me. I applied, took the credit hit from the inquiry, was approved and added my son as an authorized user. For a few months this card was very beneficial to us due to the amount of expenses that we were earning XXXX points on. But in XXXX, TD Bank decided to implement an unwritten points cap and shut people down who had already earned that many points. They will not admit to this, but from reading the exact same experience from others on online forums, I am positive that this is the case. In XXXX I attempted to log into my account and received an error message. I called and asked about this and they told me that they " periodically did security reviews and I was deemed a risk for fraudulent activity '' blah blah blah, said something about money laundering. XXXX of all, this is absolutely bogus. How can you launder money with your own credit card? Money laundering is done by criminals who have a lot of cash they 've obtained illegally that they want to hide. Who ever heard of laundering money with their own credit card? No one, because its impossible. XXXX, I did absolutely nothing differently than I had been doing the previous months. They made up a reason to close my account because they decided I was n't profitable enough for them. I guess they might have the right to do this, except for the fact that they explicitly stated that there was no cap on the rewards that could be earned! This is classic bait and switch. They are making false promises of unlimited rewards which they have no intention of honoring. When my account was closed I had {$14000.00} in pending charges which would have yielded me {$730.00} in points. This is in addition to all of the points I would have made, if they had left my card open for the promotional period. I demand that they pay out on this. They will claim that their T & Cs state that they do n't have to pay rewards if an account is closed, but this does n't mean they can close an account just to avoid paying the rewards! Again, classic bait and switch! Crook institutions like this are exactly why we need the CFPB. Someone needs to hold these banks accountable!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-30
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Rewards

Complaint:
XXXX XXXX and its credit card provider US Bank recently engaged in a " bait and switch '' tactic which lured me ( and other ) customers to sign-up for their XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( requiring a {$75.00} fee ) by promising a benefit which they then replaced by a significantly lesser benefit within XXXX days. XXXX XXXX recently removed their much-touted benefit of a bonus night on award stays. This benefit was clearly advertised as " BONUS AWARD NIGHT EXCLUSIVELY FOR CARD MEMBERS & ENJOY THE BENEFIT AFTER PAYING {$75.00} ANNUAL MEMBERSHIP FEE ''. Based on this _promise_, I paid the membership fee ( {$75.00} ) on XXXX XXXX, 2015 and met all spending requirements. XXXX XXXX announced it was rescinding the promised bonus award night and replacing it with a different award worth significantly less. In addition to the membership fee, my credit rating was diminished due to the hard credit inquiry imposed by US Bank. All of this occurred within a time period that made it impossible to gain the originally promised award bonus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$95.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : {$940.00} ; XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} Medical XXXX Balance : {$680.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-07
Company: Alorica Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
West Asset Management has been calling my boyfriend 's cell phone everyday after he asked them to not call him anymore as he is not responsible for my debt. My boyfriend has recorded numerous times that they still continue to call and using aggressive measures to collect a debt. This company is harassing someone who does not owe this debt and should be held accountable for these attempts after being asked numerous times not to call that number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: Experian Information Solutions 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:
The following personal information is incorrect I have no knowledge of these account. I would like these account remove from my credit report. I have contacted all three credit bureau XXXX, Experian and XXXX. I have not received any response not a letter or anything. I have asked them to do a investigation and they have not. Its has been past 30 days and I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete a reinvestigation within 30 days of the letter and has not. 



2. The following personal information is incorrect Current Address es : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Previous Address es : XXXX XXXX XXXX XXXX XXXX, IL XXXX The following personal information is incorrect Employers : XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX PREMIUM Date of inquiry : XX/XX/XXXX Employers : XXXX The following information is outdated. I would like it removed from my credit history report XXXX XXXX Account Number : XXXX Employers : XXXX XXXX Account Number : XXXX Employers : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Employers : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Employers : XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

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 2022-07-22
Company: EQUIFAX, INC.
State: GA
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 is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$290.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Credit report contains inaccurate addresses and personal information.

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 2020-06-16
Company: JPMORGAN CHASE & CO.
State: WA
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:
On XX/XX/2020 Chase mailed me a letter threatening to close my account as I had not made minimum payments for the past two months. However, during this time, I had large returns ( cancelled trips due to COVID 19 ) which posted to the account and resulted in a credit balance on the account. According to Chase 's automated systems and their website, there was " {$0.00} remaining statement balance '' and " {$0.00} remaining minimum payment due ''. Further, on both statements, the amount subject to interest stated " {$0.00} ''. My account has always been paid in full every single month. 

These refunds were for trips which I had already paid for, in full, several months before. While the cardmember agreement states a minimum payment must be paid, the refunds satisfied the entire balance, so how exactly is a payment due? 

Under the cardmember agreement, refunds/credit balances " If you do not request a refund, we will apply any credit balance to new charges on your account. '' In my opinion, the refund balance satisfied the entire statement balance and minimum payment. Therefore, no minimum payment was due. This is confirmed by Chase 's automated systems. In fact, I relied on Chase 's automated systems, which indicated that the refund had satisfied my entire statement balance and minimum payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: U.S. BANCORP
State: MI
Product: Credit card
Issue: Billing disputes

Complaint:
: On XXXX XXXX, 2016, US Bank proceeded to take a {$2000.00} ( the credit cards balance ) withdrawal from my husband 's bank account for a payment towards the credit card I had with them. They also took a {$320.00} as well enough as a {$25.00} withdrawal from my personal bank account. Only the {$25.00} payment was authorized. In attempt to figure out what was going on, I logged into my US bank credit card account online. First off, the unauthorized {$2000.00} payment showed up as pending and to come out 3 days Later ( on XXXX XXXX ). I called them several times to get the non authorized payments returned only to be told that they can not see the payments on there end, so they can not help and to call back on the following Monday. They also said I could only cancel payments 2 days prior to the date they were scehduled. Yet, they could n't cancel the {$2000.00} payment because " they do n't see it on their end. '' There were several calls without anyone able to help me, one lady even laughed at us. On the following Tuesday, my husband 's bank was able to decline the payment from going through. So I called US bank one more time to try to get the {$320.00} payment bank and to make sure this did n't happen again. The lady I spoke told me they would send me a check for the amount over I paid on the account, ( because on her end the {$2000.00} was paid still ) I tried to explain to her what happened and that they did n't owe me any money, I just needed the the {$320.00} to not be taken from my bank. She did n't understand, so I gave up. I went on to make sure that no more payments would go through. She assured me all auto payments are cancelled and would not happen again. Well today, they sent the {$2000.00} through my husbands bank account AGAIN. Both of our bank accounts have been tied up do to their error. We have n't had any way to pay for things all week. And now longer because they did it again. I ca n't help but wonder how many more times this is going to happen.

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 2022-07-22
Company: EQUIFAX, 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 is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: ERC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I previously requested validation of debt from ERC reference number XXXX. On XX/XX/2022 ERC sent me XXXX ( XXXX ) old XXXX XXXX XXXX statement for validation. ERC failed to validate such debt with said statement. I have a right to know their method of verification. By law they have 15 days to tell me their method of verification. I believe they gave me an automatic computer generated response, and that they broke the law because there was no investigation and their conclusion is not factually based. I need to know the method of verification and see the audit trail as well as the flow. 

ERC did not insure that this information was accurate upon re-investigation pursuant to 1681 ( a ) ( 4 ) where congress says they must not be unfair, but impartial and respect my right to privacy. They never asked me if this was my debt, if this transaction ever even took place ; they just took the side of XXXX XXXX XXXX without reasonable procedures fair and equitable to me, the consumer.

Company response to consumer: Closed with explanation