BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-25
Company: FIRST NATIONAL BANK OF OMAHA
State: NJ
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Unfair business practices - These crooks drastically reduced my credit limit after I made a huge payment and without proper notification. 

Yesterday I made a {$5000.00} credit card payment to my First National credit card. I paid down 70 % of the balance from {$7100.00} to {$2100.00} so there should have been {$4800.00} avail today. I tried to use the credit card today to business invoice with part of the {$4800.00} that should have been available. After multiple failed attempts to pay the invoice online I called the credit card company to find out the problem. 
1. They first told me they hold 80 % of the payment until it comes out of pending status. I told them that I need access to my available credit Today. 
2. They had me do a conference call with my actual bank to verify the funds were good. 
3. After the bank conference call, my credit card company tells me they reduced my credit limit. I did n't get any notification that they were reducing my limit. The bank says they made that decision yesterday. My response was " yesterday after you receive my payment. I told them could have sent me a letter the day after you did n't receive payment XXXX XXXX XXXX XXXX, ie the first day it was past due on your books but you deliberately waited until you got a large payment ''. ( My payment was 12 days past the due date but I 'm aware that credit card payments are not considered late until the next billing cycle comes and goes and no payment is made. ) 4. I also asked, " When was I going to receive a letter about the credit limit decrease. '' The person I spoke with said they were going to mail XXXX out today. 
5. I asked " well what is my new limit '', these crooks said my new limit is the {$2100.00} that 's now available after my {$5000.00} payment. 
6. When asked how do you come up with a decision to give me a 70 % reduction of my credit limit that was available just yesterday ... .. '' Well you make minimum payments and on the due date instead of before the due date ; you 've been late 4 times in 24 months, your at the peak credit limit and your XXXX credit report shows delinquents on your report. Nonsense, missing the due date does Not make you late on credit reports and your credit report story is a flat out lie ... ..Sure enough, after arguing with them, I pull my credit report and I have No late accounts and No Delinquent accounts. I have a copy of the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Attorney General Office of Texas : XXXX attorney generals XXXX office is reporting payments past due from XXXX of 2014. As of that date there was a change of custody and I am now the custodial parent and receive XXXX instead of pay XXXX. There was a delay in filing the documents by the attorney and I was assured the matter was resolved, but XXXX and Equifax continue to show a past due & open account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/22, Caught at issuance with XXXX balance, Bank of America ( BOA ) has issued a credit card to a fraudulent application using my information but changing the address to the bad actors address. A state and address I never lived. Now Bank of America will not correct with out substantial action on my part. I have submitted to all three credit bureaus and filed with FTC. Bank of America are requiring A copy of my social Security card, license, a police report and two forms they provided to be filled and notarized. All in paper form via mail for me to pay for and time which requires me to take off from work. It appears the issuance was effortless and careless of BOA altering my information with the credit bureaus with out verification/ proof. They stated the address reported can not be undone and that is it, yet I have to prove its me.

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 2021-08-26
Company: TD BANK US HOLDING COMPANY
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
My husband added me as an authorized user to his TD Bank visa account without my permission and my social security number is being used. This account is being reported and negatively impacting my credit score due to a high balance. My husband will not remove me from the account and TD Bank states he is the only one that can remove me and I can not remove myself. I want my name ( even as an authorized user ) off this account and I want it to stop impacting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-28
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint:
A person in a womans voice called to confirm timeshare information for mr son XXXX who happens to be only XXXX years old and can not give consent for anything. This person called from a XXXX number in NC at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I have 2 private loans which were taken out by XXXX XXXX operating as XXXX XXXX XXXX. This school was found guilty of defrauding many students and predatory tactics and setting up students in predatory loans. I reached out to Navient to request discharge of these loans since my federal XXXX  have been forgiven. Navient was sued by an attorney general and reached a settlement to discharge loans for defrauded students who attended XXXX, however they are discharging for consumers defaulted on their loans only. Others who have kept their loans current are forced to continue paying for loans which were taken out fraudulently. Navient is aware that consumers were defrauded into bad loans but refused to discharge for everyone harmed by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Navient Solutions, LLC.
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:
Theyre different loans reporting on my credit. The loans say closed but the late payments still hurt my credit score I have already turned in police report XXXX still wont erase from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My banks account has been hacked twice today and once last month. I reported it last month and nothing has been done and I'm waiting to connect with them today. The band is Citizens.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-06
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
In XXXX, I submitted a REPAYE plan application. On XX/XX/XXXX, I was issued an administrative forbearance, so I would not be billed before my new plan took effect. The forbearance ceased on XX/XX/XXXX, I was billed a full payment of {$820.00} on XX/XX/XXXX, and my plan went into effect on XX/XX/XXXX. Two weeks later, I received a past due notice. I contacted FedLoan Servicing, the representative acknowledged their administrative mistake, and moved the payment to the back of my loan. Recently, after responding to an alert from a credit monitoring bureau, I discovered that the payment that was supposed to have been moved to the back of my loan has been marked delinquent for the last six months. This is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Applying for mortgage, was told to pay XXXX dollars for good faith ( I thought it meant if I could pay ) so I gave it to them. So after talking to them I started to Have my kitchen updated place painted. Was told after appraisal we will have mortgage. Paid for house in XXXX in full no mortgage. Now Rocket Mortgage LLC, is not giving us mortgage because kitchen is in the middle of update, they need running water and counter tops. The sink the stove sitting right there. Countertops in about 2 weeks. Now we are stuck with this. The least they can do is give me my XXXX dollars back since they didnt know that they should of told us about not remodeling. If this is the new world we live in the banks just steal our money, have called repeatedly now they tell me the money is used for the appraisal they wanted, house was paid for {$280000.00} cash, and that is what appraisal came to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: I.C. System, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I.C. SYSTEM, INC IS ATTEMPTING TO COLLECT AN ALLEGED DEBT FROM ME AND CAN NOT VALIDATE THE ALLEGED DEBT. THE ACCOUNT IS CURRENTLY A COLLECTION STATUS AND I.C. SYSTEM, INC IS STILL TRYING TO COLLECT. I even submitted a cease and desist. I attach the letter too and they could not provide the promissory note of this alleged debt. I.C. SYSTEM, INC is in violation of 12 CFR 1022.41 ( d ) integrity. I need this account DELETED now!

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 2015-10-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I asked for my yearly credit reports from XXXX XXXX XXXX, XXXX Equifax online. I never received any of the reports. I did this in XXXX and around XXXX I checked with all to see if my annual reports of hard copies had been sent to me. The hard copy reports had not been sent, but XXXX XXXX, and Equaifax stated they had been sent, but I never received them. XXXX would not even let me check to see a status unless I bought a XXXX look to see if it was there. I have till this day not received any of them, and I have a dispute I want to check with Equaifax, and they will not even let me see my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: LAKEVIEW LOAN SERVICING, LLC
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from my tax office in XX/XX/2020 stating there was a delinquent balance on my real estate taxes of {$2800.00}. The taxes are included in my mortgage payment in escrow. I immediately contacted my mortgage company and emailed them the letter. They assured me they would look into the problem and resolve the problem. A few weeks later I received another letter from the tax office indicating a tax sale is scheduled for XXXX. I called again on XX/XX/XXXX, told them about the second letter and emailed that one as well. I was told, yet again, the problem would be resolved by XX/XX/XXXX. On XX/XX/XXXX, I called the tax office to confirm that the mortgage company had taken care of the delinquent payments only to be informed they had not and my balance was now {$3900.00}. I again called them and asked to speak with a manager who informed me the only thing she could do was expedite my case and it should be taken care in 3-4 business days. When asked why the payments weren't being made her response was, " I don't know, I can't answer that. '' In the meantime, a tax sale situation is taking place and the tax office is not concerned that this isn't my fault, they are just concerned about getting the balance owed. I pay my mortgage every month on time and this is unacceptable and negligent action on behalf of the mortgage company.

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 2022-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

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 2015-09-21
Company: URS Holding, LLC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This past summer I recieved a call from United recovery systems in their attempt to collect a debt for XXXX who had been sending said notice to address i hadnt lived at in almost 3 years and calling an out of service number which is why i hadnt paid it I did n't know about it. I spoke to a young man and we discussed the situation and i agreed that the account they were attempting to collect was in fact mine and requested to have communication about the aforementioned to my current address, but it never came. Then the calls started coming in. Some lady named XXXX XXXX would call me daily more than once and leave voicemails, so many so that I had to block her number from calling me while I waited for the paper communication for the debt which never came. I recently got a new phone and got into contact with XXXX XXXX aND she told me it was n't my right to have a paper communication of my debt sent to me and that all it would tell me is exactly the information what she was telling me on the phone, I told her okay aND that I 'd call her back when I had the funds to begin payments on what I owed, so since i got the new phone XXXX XXXX number was no longer on my auto reject list. She called me once this morning and I work on XXXX and told her I was unableto talk and that I would call her back when I got a chance and to please not call me again, well XXXX hours later she called me again even though I asked her not to. I have since contacted XXXX and paid half of the debt I owe directly through them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
TRANSUNION violated my federally protected consumer rights under the FCRA. I sent in a FTC Identity Theft Report via certified mail with a return slip on XX/XX/22. It was received on XX/XX/22. ( Proof attached ) Along with the FTC Identity Theft Report was a cover letter stating my claims and all identification needed for the fraudulent accounts to be removed pursuant to 15 USC 1681c-2. Pursuant to 15 USC 1681c-2, TRANSUNION had 4 business days to remove the accounts from my credit report ( XX/XX/22 ). I filed Identity Theft for four ( 4 ) fraudulent accounts and only two ( 2 ) were deleted. This is unlawful and a violation of 15 USC 1681c-2. It is well over the 4 business days. TRANSUNION is obligated to remove the XXXX and XXXX XXXX XXXX accounts pursuant to the FCRA, as they are fraudulent. Moreover, TRANSUNION stated they verified the accounts and the accounts have delinquencies. I filed identity theft for a reason. I demand a full disclosure and the source of this verification, pursuant to 15 USC 1681g. Moreover furnishing these accounts along with the delinquencies is a violation of 15 USC 1681s-2. No where in the FCRA does it state that delinquencies are to be reported, ESPECIALLY since they're inaccurate. I have done everything I needed to do via federal law to have these fraudulent accounts deleted from my credit report and 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 non-monetary relief
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 file 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 item listed below which is 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 Please remove/block the following account as it was fraudulent & was opened without my consent or knowledge XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}. 

If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

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 2020-03-17
Company: JPMORGAN CHASE & CO.
State: CO
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 co signed on an auto loan for with my daughter but when it came time for the payment my daughter never received the bill. It was sent to my house under her name so i didn't open it. I never received a bill either so the payment was not made.When it became time that it would be 30 days late no one knew about it and my daughter or i never received notice. Not in the mail or a phone call. A 30 day late payment was put on my credit report because of this error on their parts about our mailing addresses to no fault of ours or mine. If I would've known it was due i would've either had my daughter pay it or paid it myself. I have tried to get it removed with the company due to their mistake but not had success. Please help as i am unable to get the interest rate i deserve because of this. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-14
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:
I contacted all 3 credit bureaus and started initiating disputes. I pulled my credit report only to find to my surprise that some has been using my credit, I was slightly successful at getting some inaccurate info removed but there are more items and inquiries that need to come off. I 've always paid for most of items in cash and only financed TWO cars in XXXX and XXXX. I really need ALL INACCURATE information as well as INACCURATE INQUIRIES removed as I 'm trying to purchase my FIRST home by XXXX and these items are SERIOUSLY affecting my credit. ALL Credit Bureaus are also violating the laws by keeping the inaccurate info on there and NOT ACTUALLY VERIFYING it belonging to me. Plus they refuse to provide me with PROOF ; saying you contacted them via phone or email IS N'T PROOF. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If they do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all  unverified accounts must be promptly deleted. Therefore, if they are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

XXXX : XXXX XXXX XXXX and XXXX XXXX ( Inquiries : XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX ) Equifax : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Inquiries : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX : XXXX XXXX and XXXX XXXX ( Inquiries : XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Credit reporting agency did not delete  XXXX  charge off accounts after I was mailed a  XXXX  and disputed accounts. Accounts are written off and should not be reporting.

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