BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have a police report and a medical report that proves that I was in the hospital undergoing treatment during the time that someone made fraudulent charges on my account. 

Bank of America refuses to accept my paperwork in branch ( XX/XX/2019 ), I have been attempting to get someone to review the fact that I was not even awake or conscious during the time of these transactions. 

Fraud Charges : - XX/XX/19 - XXXX XXXX XXXX XXXX - {$1300.00}

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 explanation
Consumer complaint received 2019-08-01
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened an account with citi bank in XX/XX/2018. After two months, they closed my account without warning and explanation. After one month, they closed my Costo Cards which I have been used for couples years without warning and explanation too. Citi bank refused give me back credit card rewards money which around {$200.00} and also the bank interest. I called the customer service many times and asked them why, the only words they told me is " bank decision ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-22
Company: Experian Information Solutions 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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
Consumer complaint received 2022-03-25
Company: Stenger & Stenger, P.C
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/2022 I received XXXX letters in the mail about Case number XXXXOne letter was tampered with and the certified card was missing. The letter was the same both stating summons to garnish my check. On XX/XX/2022 my check was showing wage garnishment over XXXX XXXX of my wages. How could that happens after receiving the notice XXXX days before. I am left with no money to live and to maintain. The entire transaction is crazy and my job is on the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
XXXX will not listen to your side of the story because you dont certify it to XXXX. But I do certify that XXXX should not push the same credit card over and over again at consumers when they are looking to improve their credit.

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 2022-02-16
Company: Experian Information Solutions 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 checked my credit report and there is some items that does not belong on 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 non-monetary relief
Consumer complaint received 2021-07-02
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:
This complaint is for the timeshare company XXXX XXXX. We spoke with their employee named Ms. XXXX who was introduced to be something other than just a salesperson & also claimed to not work on commission. We were enticed by telling us we were making a good financial investment. They promised that the resale value would go up. We were also tempted when we were told that the purchase had some tax benefits similar to owning a second home. They make it sound like they're making a special offer made only just for us because they mentioned they needed " corporate '' approval to give us the price offered. We were also pressured by telling us that it's our last chance at the lowest price. They had us open a credit card wherein they made me sign an application making me believe that it was part of the application process but I wasn't made aware that it will be used to open a credit card. They also had my ID at that time. They offered us breakfast, tickets to shows etc. I felt I was rushed into this because shortly, there were 3 people talking & they never gave me enough time to read & fully understand the contract properly. They never discussed how cancellation process works, they didn't even informed us as to how many days we have to be able to cancel. I was XXXX years old then, so it felt like I was taken advantage of. We experienced financial difficulties due to this timeshare plus the problems caused by Covid19. I have to work extra days for this timeshare and they kept calling us for payments everyday. Everytime things got worse in dealing with them, they kept promising things would be positively different but it never gotten any better. I had the worst experience with this timeshare, we were simply defrauded, this is a scam. They lied to us, having this timeshare is not as great as they made it out to be, paying monthly for the rest of eternity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Interest rates went up soon as I open my account fees were outrageous before I knew it I hadd a outstanding negative balance from just a few purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home was completely destroyed XXXX XXXX. I received {$380000.00} in insurance claim checks from my insurance company. Because there was still a small balance on the mortgage, the checks were issued in both my name and the name of the mortgage company ( " Cardinal Financial '' ). I followed the directions on their website and endorsed the checks and overnighted same to them with a voided check ( for ACH refund ) and a letter requesting that the mortgage balance be paid and remaining funds deposited in my checking account. I was told I would receive the balance ( about {$300000.00} ) 5 days after the mortgage was paid off. When I did not receive the balance in that timeframe, I contacted the company, and was told that I had to wait 15 days from the day of payoff before they sent it, and that since I requested the mortgage be paid off, they had to send a check by mail and could not use ACH ( no one could tell me why this mattered ). Yesterday, was the 15th day. When I looked at the account online, I saw that they had in fact sent me a check, but it was for LESS THAN HALF of the balanced owed to me. I called to ask why they hadn't sent all of my money back, and I was told they would be holding the rest for yet another 15 days!!!!! No one I spoke with at the company could tell me why they were continuing to hold on to my money since the mortgage was paid off and they no longer hold any interest in my property. These large companies should NOT be able to treat people like this. They are obviously holding on to my money " because they can '', and it is to my detriment as I am attempting to purchase another house which I may lose to another buyer, because they are holding on to my money unnecessarily. PLEASE do something about this!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-16
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting 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 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 XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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  accounts XXXX. XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX, XXXX. XXXX XXXX. XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX 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 2023-04-24
Company: Lamont, Hanley & Associates, Inc.
State: NH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter dated XX/XX/XXXX from Lamont , Hanley & Associates that stated that I owed {$150.00} to XXXX XXXX XXXX XXXX XXXX. There was no other information included. 

I remembered an issue with XXXX XXXXXXXX XXXX back in XXXX. Three years ago, so I looked up my credit card documents and saw that I paid Lamont , Hanley & Associates exactly {$150.00} on XX/XX/XXXX and I haven't heard from them since, until today. 

They are trying to extort the money I already paid a second time, assuming that I don't have the record of payment almost 2 years later. They need to have their accounting audited since this is clearly fraud and shows a company who's accounting should be held to the highest standards. 

I have tried to call them but it goes to voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
A letter was written To change address in XX/XX/XXXX. In XX/XX/XXXX I had not received Yearly Annuity statement for XX/XX/XXXX. SEVERAL CALLS WERE MADE AND ACCESS WAS DENIED TO MY ANNUITY ACCOUNT.

DRIVER LICENSE LAST FIVE NUMBERS WERE VERIFIED AND A COPY IS ON FILE.

MY DATE OF BIRTH WAS VERIFIED AS INDICATED ON LICENSE AND ANNUITY ACCOUNT.

I ALSO VERIFIED COMPANY ANNUITY WAS.OBTAINED BACK IN XX/XX/XXXX.

AGENT STILL REFUSE TO UPDATED MY MAILING ADDRESS AND SEND ME FORM TO CLOSE OUR MY ANNUITY. 
THIS KEEPS OCCURRING EVERYTIME I MAKE A CHANGE TO MY ACCOUNT. MY LAST CHANGE WAS ADDRESS AND AFTER THEY CORRECT IT THEY REFUSE ME ACCESS TO MY ACCOUNT AND THE CYCLE REPEATS AGAIN DENYING ME ACCESS TO MY ACCOUNT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
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: Credit inquiries on your report that you don't recognize

Complaint:
There are fraudulent inquiries on my credit that needs to be deleted asap. I did NOT authorize nor authorize anyone to submit inquiries on my behalf. I am a previous victim of ID fraud years ago and I am worried about the same situation happening again. I never applied or signed any application. Please delete all of the following : - XXXX  XXXX  XXXX  : XX/XX/XXXX ; TransUnion XXXX XXXX XXXX : XX/XX/XXXX ; XXXX - XXXX : XX/XX/XXXX ; XXXX - XXXX : XX/XX/XXXX ; XXXX - XXXX : XX/XX/XXXX ; XXXX- XXXX XXXX XXXX XX/XX/XXXX ; XXXX - XXXX XXXX XXXX XX/XX/XXXX ; XXXX - XXXX : XX/XX/XXXX ; TransUnion - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX & TransUnion

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 2020-03-16
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020 I checked my Citi Bank accounts via my Citi App and immediately noticed that all three credit cards were closed without any notice or communication ( verbal or written ) Citi Advantage # XXXX, Citi Simplicity # XXXX, Citi Double Cash # XXXX. I immediately reported this matter to CFPB on XX/XX/2020 ( case # XXXX ) On XX/XX/2020 I called the Citi Executive Team and spoke to XXXX ( XXXX ). She advised she will look into for me and immediately reach out to go over with me her findings. On XX/XX/2020 more or less I received a letter addressed to XXXX XXXX XXXX with my personal information and account information. Later on a letter was emailed to me from XXXX dated XX/XX/2020 stating my accounts were closed because I had misrepresented the details on two billing disputes. However, no one has explained to me why I received a letter addressed to XXXX XXXX XXXX with my personal information noted on the letter. I personally feel Citi Bank has erroneously closed my accounts in error. The response they gave is irrelevant to what I had originally reported and questioned. On the other hand, if these billing disputes were processed and reviewed why didn't anyone reach out to discuss further? Mistakes still exists ... This has been a total nightmare and a tremendous ordeal dealing with confusion and total silence from Citi Bank. I have been a long time customer and at the same time a loyal customer. I need not only a clear and detailed explanation regarding my concerns but my three accounts reinstated. I am seriously concerned with how Citi Bank has handled and communicated these issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I wrote a letter asking that the old accounts that are closed be deleted, and I also requested on 2 different occasions that the late payments reporting to my consumer report, be deleted from my consumer report, or delete the accounts all together.

15 US CODE 1681e ( b ) - The Fair Credit Reporting states that Transactions, experiences, authorizations, and approval of credit aren't included in your consumer report. 15 US CODE 1681a -Definitions- Rules of construction-paragraph 2 -- Exclusions -Paragraph ( a ) & ( I ). Exclusions- Except as provided in paragraph 3. The term consumer report does not include any report containing information solely as to transactions or experiences between the consumer, and the person making the report. This law states that transactions are not included in your consumer 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 non-monetary relief
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Ive reached out to Transunion several times regarding ( 3 ) collections on my report : XXXX XXXX, XXXX, and XXXX XXXX XXXX I disputed these item several times. Today, I spoke with the agent at Transunion and asked them to provide the information that they are using to verify that these are accurate and belong to me. The agent stated that they dont have that info and they only go by what the businesses are telling them. Thats insane! These companies are not providing proper documentation and the consumer ( me ) can not get a copy of the documents to verify that they belong to me. Ive contacted the companies directly and they havent responded. I need Transunion to get the proper documentation from these businesses and provide copies to me. My identity was stolen some years ago and I believe these are a result of that. I need to know what they are using to verify its me. I am so frustrated bc Transunion has become so laid back when it comes to their consumers credit. It is affecting mine greatly!

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