BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-29
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I received a phone notification that indicated my account was past due. I was not using the account and had paid the balance in full. After looking into the account I found on XX/XX/XXXX that I had, in fact, paid the balance in full of XXXX. When I inquired in XXXX, I was told there was an interest charge of {$2.00} that had been added to the account and then assessed late fees several times. The representative for the company informed me that these fees would be removed from my account by the next billing cycle and the late payments would be removed in 45 days from my credit report. The fees were removed from the account, however the credit report is still affected showing two back to back late of 30 and 60 days. I called the company again on XX/XX/XXXX after finding out that the status of the credit report had not changed reflecting that there were no late payments. I was told first that Express/Comenity Bank would not do anything further to help. I asked to speak to a supervisor and was then told that the documentation necessary to address the credit report was not submitted in XXXX when I first called and was being submitted now on XX/XX/XXXX and would take another 45 days. 
I am in the process of purchasing a home and put off continuing the process in XXXX as this error had dropped my credit limit on the card and my credit score. Now I am being further penalized by this predatory practice and being told possibly another 45 days. I have nothing in writing and no idea if anything has actually been submitted due to the company 's unethical practices and unwillingness to address the error in a timely fashion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-23
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXX of 2023, I reached out to Citi Bank concerning that I could not log into my online account. I was informed that my account was locked and asked to verify information. I verified all required information and was still locked out of my account. I then reached back out and was told that they could not unlock my account. I asked why not and how was I to access my money in the account and I was hung up on. After multiple attempts to get any type of information other than " the account is locked and I don't have authorization to unlock it '', I received an email in XXXX stating that in 60 days, my account would be closed. I called and was told that in 60 days the account would be closed and a check sent to my address on file. I verified the address. 60 days later on XX/XX/XXXX, I contacted Citibank again and was told the check had already been sent. So I waited a week to receive it. When it did not arrive within 14 days, I reached back out. I was told that they would send an email to their " back office '' and send out a new check. I verified the address on file again. I was told this check would be to me in 10-14 days. I waited and again, 14 days later, no check. This has been a repeated cycle since XXXX. 5 months and the funds are still in the OPEN ACCOUNT, and I am still receiving monthly statements that I can not access and being told I am not allowed access to the 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 monetary relief
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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.List of accounts below has violated my Federally Protected Consumer Rights to privacy & confidentiality under 15 USC 1681. 

Account Name : 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 15 U.S.C 1681 section 602 A. States I have 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the report by more than sever years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.

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 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, 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. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, 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 In accordance with the Fair Credit Reporting act XXXX Account 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 In accordance with the Fair Credit Reporting act XXXX Account 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 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 In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXXXXXX, 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 2022-12-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address XXXX XXXX XXXX XXXX XXXX fl XXXX My only social security number is XXXX My only correct date of birth is XX/XX/1996 I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
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:
please see attachment violations of 15 usc 1692, 15 usc 1681, fcra 609 a, fdcpa 804 b

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: ND
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Had an account with XXXX XXXX, it was paid off. Then in 2023 the account popped up on my report as a charge off by citizens bank for the amount I originally financed was approx XXXX that was paid off, then they state XXXX is owed. My credit was excellent and then this hit my score hard. You can see my record is impeccable and this is false reporting that is damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was looking for puppies for my kids and contacted a puppy breeder on XXXX XX/XX/XXXX. We discussed a bit, her name is XXXX XXXX said her husbands name is XXXX XXXX and they live at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Email addresses are XXXX and XXXX. 

I sent a deposit of {$350.00} on XX/XX/XXXX and then was blocked from all communications with puppy breeder I reached out to my bank immediately to cancel the transaction that was placed using XXXX  through the bank app. After a little over a week I received a letter stating that my claim was denied and no error was found. I called my bank to get more information and the lady on the phone stated that the contacted XXXX and determined that no error was made and no refund can be done. 

I used a family members account to locate puppy breeder and once figuring out it was me, puppy breeder refused to refund my amount and then blocked my family member so I lost all communication again.

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 2023-04-29
Company: United Shore Financial Services, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am filing a complaint against mortgage broker XXXX XXXX of XXXX XXXX XXXX XXXX. XXXX accepted a deposit for an interest rate lock commitment without securing it with a reputable financial institution as advertised. Ultimately, I did not receive the advertised rate or terms, nor did I receive my money back at closing. 
Despite my initial hesitancy, XXXX reassured me that the company XXXX XXXX was the investor providing my loan and that I would receive my deposit back at closing. On XX/XX/XXXX, I signed a rate lock agreement and wired him {$3100.00} for a nine-month rate lock at 5.24 % ( expiring XX/XX/XXXX ). I sent him a loan application the next day. However, I did not receive the TILA required Loan Estimate within three business days. 
In fact, I did not receive a Loan Estimate until six months later, on XX/XX/XXXX. The first Loan Estimate document from United Wholesale Mortgage did not reflect the loan product or the terms of the loan we agreed upon months earlier.

Upon receipt of these documents, I communicated concerns about incorrect terms, missing information and my missing rate lock credit, which were ignored. XXXX later claimed the deposit was used to pay discounts points for a lower rate. The final Closing Disclosure on XX/XX/XXXX failed to show points paid and instead added a {$3300.00} fee noted as a " Transaction Coordinator Fee '', questionably, that was very close to the amount of my refundable rate lock deposit. XXXX repeatedly changed the explanation of where the deposit money was applied. In his latest email on XX/XX/XXXX, he called the deposit a fee for real estate services, a clear departure from the original intent. 
As a result of XXXX 's negligence, I was denied the advantage of a rate lock in a rapidly rising interest rate environment. Two weeks before my closing date, I was forced to seek a new lender and to close at a much higher interest rate, which caused me significant financial harm. 
To date, XXXX has failed to account for my rate lock funds and refused to provide a full refund for a rate lock that was never secured. He misrepresented a company called XXXX XXXX as an institution that would be providing my loan. On XX/XX/XXXX, an approval document sent to my builder shows his home address as the company address, a change from the previous letterhead. 
XXXX was dishonest in his communications, breaching contract and failing to provide legally required loan documentation. He violated regulations designed to protect consumers in North Carolina. Although he is a sponsored broker of XXXX XXXX XXXX XXXX, the owner, XXXX XXXX, has denied responsibility or liability for his actions. 
I am writing to bring this misconduct to your attention and seeking a full refund of my rate lock deposit of {$3100.00}. All claims made in this complaint can be substantiated with written evidence. Any sensitive information was redacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
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:
I feel completely violated by the bureaus and the following 3rd parties, at the top of the year I went to apply for a mortgage and I was denied after learning that my reports were all wrong. I saw a few accounts that are being reporting without my knowledge nor consent. XXXX, XXXX and Trans union has helped them get away with it by furnishing these account that were not once verified by me nor my spouse. No consent is identity theft and I don't appreciate it.These incorrect items are harmfully blocking me from extend my rights to lines of credit. As it it my written request to delete the following.

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 2022-12-27
Company: Maximus Education, LLC dba Aidvantage
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been trying to get a refund of payments made during Covid for almost 4 months now. 

It is now end of XXXX. The first time I called was end of XXXX, and the customer service rep told me I would receive my refund in 6-8 weeks. I gave them the benefit of the doubt and waited 10 weeks. Then I gave them a call. This XXXX rep told me she did not see anything indicating a refund was requested. Luckily I had email proof, because I had also emailed them about this around the same time. She said she would fast-track my request to be processed in a couple of weeks, since waiting time was 8-10 weeks now. 

I called and emailed multiple times and kept getting the run-around. Its coming or we will get to it soon. I was told my processing date would be first week of XXXX. 

I just got communication today XX/XX/27 saying it would now be 10-14 weeks. Ive already been waiting 16+ weeks. This is getting ridiculous. Theyve lost all credibility and I dont trust them at all since theyve lied so many times about the timeline. My friends with loans with other student loan companies requested around the same time and got their money back in less than 8 weeks with no issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: IN
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
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:
I have attempted many times to remove debt with the companies and no action has been done. I am not responsible for any type of debt on my credit profile and will like it to be removed instantly from my credit report. 

XXXX XXXX & XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/2021 Hard inquires below XXXX  XXXX Inquiry : XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX  XXXX  Inquiry : 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 non-monetary relief
Consumer complaint received 2023-04-28
Company: UMB FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The credit card company sent me a letter stating that the credit card they sent me had not been activated and to please so as I should have received it months prior. I had in fact not activated and did so after reading the letter. The card then only worked for a few days and then was declined. I contacted card services and they said my account had been cancelled and to destroy the card, they could not explain why it was cancelled. A few days later I received a letter stating that my account was cancelled because my credit score had dropped to XXXX. I checked and my credit score was as I expected in the XXXX and had not dropped. Im not sure where they got their information but I figured I would rather not do business with a company that couldnt get the facts straight anyway, so I just waited for a bill to pay off the closed account. When I finally got a bill I made attempts to pay online as I do with all of my accounts and their system would not allow me to create an account. I then tried calling in about it but their system would kick me out for not having an account number ( as my account was closed and I destroyed the card per their direction. So I was forced to send in a payment by mail. Apparently the payment was late and they charged a late fee which I disputed and was advised would be escalated and removed. Now I am being told it was not removed because the account was closed and I will be billed again because apparently they can continue to bill on the closed account but are unable to remove any charges as this is their policy. I was told that I will likely be charged again. So this so called policy is just their way of stealing from me. I paid the first {$25.00} fee that I was told would be removed and now I am told there will likely be another fee. I am requesting that the fee be reimbursed as promised and the next fee be waived as I have paid every XXXX spent on that card and their theft policy fees are not something that I should be responsible for as this was all due to their incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16
Company: WELLS FARGO & COMPANY
State: CT
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:
15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Wells Fargo Dealer SVC, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent.

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, Wells Fargo Dealer SVC whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

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 2022-11-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
on XX/XX/XXXX money was transferred to my fraudulent account. 
I have been a customer Bank Of America for over 24 years my account was compromised a couple months ago instead of the bank closing a compromised account they told me to open up another individual personal account that is not linked to continue banking with them unfortunately the bank decides to go into my independent account and withdraw transfer money to the fraudulent to satisfy the fraudulent account they are not willing to help me I need help desperately. 
Warm regards.

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