BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
The first delinquent date changed to year of XXXX after I made a payment in that year. I made a payment because it was showing an open balance. 

The first delinquent date was XXXX. This is in violation of my rights and the Fair Reporting Act. This account is past the seven year reporting limitations. 

I have called their customer service several times f for several years, since XXXX. I have disputed the information with the credit agencies and they keep coming back stating the same, but not really investigating it for me. 

Because the date of first delinquency changed my credit score went down XXXX points. This stopped me from getting a home loan for the family. Everything lender needed was accepted but then the score changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
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:
In according with the Fair Credit Responding Act the following companies has violated. I dispute the following with all XXXX credit bureaus. I execersided my right under the Fair Credit Reporting Act, section 609, to request information regarding items listed on my consumer credit report the following bureaus. XXXX, XXXX and Experian in XXXX, XXXX XXXX, XXXX and XXXX. I asked for verification of the account, wet signture and proof of ownership with original contracts or the have the accounts deleted right away. As per section XXXX. I send the police reports XXXX  times along with proof of identity as the credit bureaus had my social security wrong, my birthday wrong, wrong address and wrong number on my fraud alert. 

15 U. S. C 1681 A. Section 602 1 : States I have the right to privacy 15 U. S. C 1681 A. Section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructionXXXX 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  Credit bureaus are required to removed items if not verified within XXXX days. This was never done and is a violation of my rights as a consumer. Please follow up regarding this matter as this mistakes had affected my quality of life, credit history and employment opportunities. Thank 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 non-monetary relief
Consumer complaint received 2023-01-04
Company: MOHELA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX I spent over XXXX hours on the phone ( mostly on hold ) with Mohela we talked to XXXX ( ID # XXXX ) XXXX acknowledged certification from XX/XX/XXXX until XX/XX/XXXX. During that time I made XXXX qualifying and certified on time payments. Mohela assume the loan from XXXX on XX/XX/XXXX. Since that time communication has been awful. I submitted XXXX certification to Mohela on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Any or all of these certifications should have been sufficient. These originally were marked " wait 90 days for processing '' then later updated to " duplicate, not processed ''. This appears to be a modus operandi as on the XX/XX/XXXX I was assured that the the certification appeared to be in good order and that the processing of loan forgiveness would be " Expedited & Escalated ''. Several days after the conversation it was updated from " expedited and escalated '' to " Please allow XXXX business days for processing. Once a decision has been made you will receive notification of approval or denial. No additional steps are required of you at this time. '' I am certain if some one competent in there organization reviews this case file it can be resolved within XXXX minutes. But since I can't get a response I am now submitting complaints to CFPB, XXXX the US Department of Education, and Senator XXXX XXXX. 
That make take Mohela more than XXXX minutes to resolve. 

At present Mohela Payment tracker shows XXXX qualifying prior to XX/XX/XXXX. As such please verify that the certification submitted represented certifies at least 3 additional months. Also please verify that XXXX + XXXX = XXXX. My XXXX qualifying, certified, on time, eligible payments far exceeds the XXXX required by law. Please discharge the debt as required by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I spoke to the Citibank branch manager XXXX XXXX XXXX XXXX several times to address the issue of receiving 3 letters from Citibank Client Services. The letters indicated they were closing my checking accounts, money market accounts, 2 CD 's and my safe deposit box by XX/XX/XXXX. The branch manager said 'I am not supposed to say this '', however you removed sums of cash ( XXXX to XXXX ) that looked suspicious. I explained that my son is getting married, I donated money to a Ukrainian friend who made several trips to the XXXX and US dollars are always helpful. I also sold my vacation house in Florida last year and needed a lot of last minute fixes for the deal to go through. I have been a Citibank customer since XXXX ( 38 years ) and have never had any issues with my accounts. My wife is handicapped and opening a new account and resetting all our automatic payments to utilities, credit cards, phone bills etc. will be a hardship. My wife and I ( join accounts ) have no criminal record and several of those cash withdrawals were in XXXX. We are also Citibank Gold Priority members.

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 2023-08-19
Company: Netspend Corporation
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
On XXXX XXXX {$75.00} was deposited on my orginal acct of XXXX, then recieved a message to update my account to and all access acct which became XXXX which is now my current account, then XX/XX/XXXX came n went no deposits so i called asking where it was n they gave me da run around about it so sent all message to CEO he in turn sends me to a lady named XXXX XXXX she tells me she will handle it, in the meantime i do my own research and find that they have sent it to an acct i no longer use or have access too XXXX and they want me to verify everything which i did but then they want documents which i do not have cuz i lived there from XXXX to XXXX but XXXX verifies that this is where they sent my funds i use every month to pay my rent n for my medications, the bank verifies both reciever n sender that this account has my funds of {$2200.00} in it. I verified that da last deposit was recieved on XXXX XXXX of {$75.00} to acct XXXX which the bank recieving said i had to upgrade to XXXX on XX/XX/XXXX, today is XX/XX/XXXX and i still have not recieved any of my funds into my account

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 2023-08-19
Company: United Revenue Corporation
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: Their investigation did not fix an error on your report

Complaint:
Disputed unauthorized accounts with XXXX XXXX XXXX and United Revenue Corporation in XX/XX/2023, XX/XX/2023, and XX/XX/2023. I've asked for the following legal documentation several times : 1. Your lawful authority to collect without my consent or 2. A copy of the original contract between myself and the original creditor where I agreed to the assignment of the alleged debt ; with my ink signature 3. An original contract between me and United Revenue Corporation with my wet signature 4. The original purchase agreement that shows I'm the legal owner of this alleged debt. Please include all the terms and conditions that are included in the purchase agreement.

5. An affidavit signed under penalty of perjury that your organization has not violated any portion of the FCRA, FDCPA, and HIPAA.

6. A verified certificate of authority and proof that your company is licensed to collect debt in my state. Provide me with a license number and registered agent or agent of service.

7. A HIPAA release form with my wet signature as proof of my consent As of today, all I have received in a statement. A statement is not legally binding. Anyone can generate a statement and mail it to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: ASSOCIATED BANC-CORP
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/ I opened an account at the bank in WI with the offer which was sent to my address. According to the offer the savings account should be opened for at least 90 days and funded with XXXX. This was met my mid XXXX however the {$200.00} bonus to be credited to account was not there. 
When I called the customer service phone number given to me at the branch XXXX the CSR told me that she's unfamiliar with the offer and the product listed. I then was transferred to the supervisor who told me that the branch manager who opened the account did not put a proper code indicating the offer to begin with. 
When I called a branch I was told that the manager who opened an account is not present and will be available next week. 
Here are two issues : 1 ) why is the Associated Bank so unprofessional in its performance when first the employees are not properly trained to recognize their own products and the offers? 
2 ) Why the branch manager in XXXX XXXX, WI who opened the account did not put a proper code to the account? Was it a simple oversight or on purpose to make sure the offer is not fulfilled? 

It is my impression now that I am required to get myself involved in a long administrative process to finally get the {$200.00} bonus applied which is very inappropriate and tiresome as I am traveling out of the country for extended stay soon. 
This is not the way to treat customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-14
Company: Early Warning Services, LLC
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have tried opening a bank account and Ive got denied due to early warning systems so I contacted them to dispute the inaccurate information off my file and they have yet to start an investigation to get proof of the negative accounts that they are reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: EQUIFAX, INC.
State: MA
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 have a fraudulent account on my credit report, which I reported to XXXX XXXX, yet XXXX XXXX  is not removing this fraudulent account. XXXX XXXX has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX has refused to do this. The following is the fraudulent account : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am adding more information to my previously submitted complaint # XXXX After doing more research regarding this Bank of America Account holder ( fraudster ), that they operate in a gang stealing cars from car rental Companies, & after preparing fake fraudulent Finance contracts to get financing from different banks, credit unions insuring vehicles, registering vehicles in XXXX New Jersey Pennsylvania XXXX XXXX bribing XXXX personnel XXXX these states producing fake vehicle title. A strange thing I noticed when I pulled XXXX records that they operate under XXXX companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owner Title of these companies is XXXX, No name of the Owners listed in XXXX division of Corporations. I am sure when they recieve these wire transfers into their Bank of America account they withdraw all funds right away in XXXX. Bank of America is ignoring all security protocols of a Business why these fraudsters are pulling all this XXXX. 
When I register my business in Florida division of Corporations XXXX, I have to provide my name Title & address. 
These fraudsters should be behind bars Before they hurt/victimize more people Bank of America should be more vigilant & follow Account opening protocols, Bank of America should flag these 2 companies accounts Audit them ASAP instead of ignoring & protecting their fraudsters business account holders. Once these fraudsters receive wire funds in their account they never ship product stop answering phone calls text messages. They keep changing phone numbers. Here are their phone numbers. 
XXXX XXXX XXXX I am sure Bank of America should have account holders ID or Drivers License. When this fraudster open a Business account 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 2023-08-10
Company: Maximus Education, LLC dba Aidvantage
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I see there are some student loans reflecting on my credit score I dont know where these loans have come from and would like for them to be immediately removed from my credit score because it is affecting my credit score. Who ever it is that had this submitted to my credit report is also illegally doing so by law.

15 U.S. Code 1681- Congressional findings and statement of purpose Accuracy and fairness of credit reporting There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: FL
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:
Under the FCRA 15 US code 1681 my rights are being violated because its inaccurate information reporting on my credit file. The FRUADULENT accounts that's listed DO NOT BELONG TO ME AND NEED TO BE REMOVED IMMEDIATELY. I have reported this information to the FTC please delete the accounts as soon as possible to legally update my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to formally file a complaint against XXXX located in XXXX XXXX ; EXPERIAN located in XXXX XXXX and XXXX located in XXXX XXXX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, resulting in significant financial and emotional distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as per the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, XXXX, EXPERIAN AND XXXX has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of XXXX, EXPERIAN AND XXXX has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

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 2023-08-17
Company: EQUIFAX, INC.
State: FL
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Navy Federal has negatively impacted my credit my reporting an incorrect balance for over 2 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In XXXX I went to Citibank to open a business account under XXXX XXXX XXXX XXXX XXXX which wasn't a problem until I bought XXXX through the account which I didn't know was a breach on their system. Then I received a letter from their Fraud Department saying my account is being closed 30-60 days from the date of the letter. Well I contacted them and pleaded with them that I didn't know I wasn't supposed to do that and they didn't care and said I would get a check in the mail for the amount in the account but in the meantime I checked my account and one of my investors put {$6000.00} into an account that I was told was closed. Then I went to the branch office and spoke to the bank manager and he called the Fraud Department and pleaded with them to let him give me the check for the full amount and they said no, I will be getting a check with the full amount of the account. It's almost a month and I'm afraid that Citibank is holding my money hostage and is taking its sweet time sending me the check. I really need this money for my business and I hope you can solve this problem.

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 2023-08-15
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Deceptive promise, lie, false advertising : On XX/XX/2023 I responded to an invitation from US Bank to open a new credit card because it promised a " ZERO- interest balance transfer " feature. I applied for the card with a {$5000.00} balance transfer to be applied to my XXXX XXXX XXXX because it had a high balance ( due to replacing my sewer cleanout pipe to the street recently ) and the card was granted on XX/XX/XXXX, and the {$5000.00} balance transfer was sent over to XXXX XXXX However, a few of {$150.00} was charged to my US Bank card, by USBank. Even though they advertised it a " ZERO interest '', {$150.00} is exactly three percent interest on {$5000.00}. I called US Bank but they refused to reverse this fee, claiming i " should have known '' and " its there in the fine print. ''

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