BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I tried to make a very important purchase today with my citi card using XXXX XXXX. It got declined and said verification needed. 
Then I called spoke with XXXX call reference # XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Therefore, I wasnt sure what she was verifying me with. On the other hand, I had the cashier waiting right in front of me. After I told her I couldnt understand her, I needed to speak with a supervisor. She said : REALLY?! With VERY inappropriate tone. As if she was challenging me. As matter of fact, the whole conversation she was impatient and raised her voice on me a few times. 

Im filling a complaint here is because the 2nd person ( supervisor ) I spoke with on that phone call told me citi does not have a complaint department, she said I can not submit any type of complaint thru phone, online, mail. I found it hard to believe, but I verified that with her 3 times.

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 2020-03-28
Company: EQUIFAX, INC.
State: IL
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:
XXXX  XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: Experian Information Solutions Inc.
State: WA
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:
Incorrect Information Has Been Placed on my credit Report that hasn't been Validated. 
Ive reached out to all 3 Credit Bureaus and They've Refused to be cooperative to remove these False Files Experian, XXXX XXXX, XXXX. I demanded To have These Removed without Proper Validation Per Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) They Refused to be of Assistance. 
CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX XXXX CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX Experian CERTIFIED MAIL # 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 2023-02-11
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I was in a no interest promotion with my citibank - Best Buy Visa card for zero interest. A new charge hit my card, and they started putting my payments NOT on my promotional balance, but on the other balance. Therefore, making themselves more money because the promotional balance wasn't paid off by the date where interest would accrue. Of course, due to this, they ended up making over {$600.00} in interest from me. In the past, I had the issue with them on another promo and I emailed the told them that I wanted my payments to go towards the promotional balance first. They made the change. Again, when I noticed this time, it wasn't going towards the promotional balance, I emailed again to request it. They didn't, and then that large fee. I feel like they intentionally do this so that they consumer in the end gets in trouble. They state that they put payments towards the balance gaining interest, but how does that even make sense? Why would anyone rather pay towards a balance creating a small amount of interest and as a result end up paying 100 's of interest on the promotional balance not paid. My promotional balance would have been paid off before the end date. They just want to make more money off the consumer, and it shouldn't be legal. These huge corporations that take government money, end up ripping off the consumer and it's unfair.

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 2023-03-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
This collection agency has taken funds which are EXEMPT I also do not agree with this amount or account and have put in a dispute I do not have record of this account Again the f7bds they have taken are EXEMPT SSI AND STATE FEDERAL FUNDING

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Commonwealth failed to verify debt. 
Under the fair credit act, Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter - I sent letter on XX/XX/21 date VIA USPS certified mail. You can track this package using THIS tracking number. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: PNC Bank N.A.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I am a XXXX XXXX  and I'm going to explain my problem. I worked in XXXX XXXX, NJ last summer and this summer too. My bank was PNC. This year was my last year participating in the programm. So I went to PNC to ask them if i can send the money to my bank account in XXXX and close the bank account the same day. They said no, that I need to send the money 3 days before closing the bank account because they can't do it if there is a pending operation. So I went to the bank and sent the money ( XX/XX/XXXX ), I received a document stating that the money was sent and that I will be receiving it within 2 weeks. After 3 days, I went to the bank and asked if everything was in order with the wire transfer and they said yes, so I closed the account because I'm not going back ( XX/XX/XXXX ). The very next day I flew back to XXXX. Fast forward to today ( almost 2 months later ), I still don't have my money. They called me and told me there was an issue and that they don't work with the bank I was trying to send the money to. So I gave them a new bank account in XXXX to send it to but they refuse to do it because of their policy. They say that the only thing they can do is send me a check to my last address ( it is in the XXXX and I live in XXXX ). I tried explaining that my bank doesn't work with checks but they don't care. So I basically lost all the money I worked for in the XXXX. Please I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), I wrote to you requesting an investigation into items that I believed were reporting inaccurately on my credit report. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you Please delete these accounts and reply within a reasonable amount of time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12
Company: MoneyLion Inc.
State: FL
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:
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 states Consumer reporting agency can not furnish a account without written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any dept

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: RoundPoint Mortgage Servicing LLC
State: CO
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: Investigation took more than 30 days

Complaint:
Im XXXX XXXX and I refinanced our house with XXXX I believe and before the 30 day period they sold my loan to RoundPoint. Neither company properly informed us this happened. In the meantime RoundPoint called and said they were our new Mortgage company but never officially properly notified us they had purchased our loan. We thought they were a scam or fraud and we ignored their request for payments. They reported us to all 3 credit agencies. We worked an agreement to make payments and settled with them but they refused to remove those credit late payments. We refinanced our home with XXXX Mortgage due to RoundPoint not keeping their word.

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 2018-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX XXXX is reporting an account that I have paid to the original creditor, XXXX. XXXX XXXX XXXX can't collect on a debt that I have already paid to the creditor. *see attached receipts as proof of payment*

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 2022-01-07
Company: EQUIFAX, INC.
State: PA
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:
Spoke with representative at credit card company XXXX Bank XXXX XX/XX/2022. The company refuses to help me fix a reporting error, which originated from their reporting. 
XXXX Bank is intentionally reporting inaccurate information - activity on a closed account, which is further damaging my credit profile. 

Explained to representative that my credit report is showing a closed account ( card was lost ) with one late payment and, the replacement card/account with one late payment.

Rep stated only card ending in XXXX is updating. I kept explaining to representative while reviewing reports that the old card which was lost is still reflecting on credit files, with an update on XX/XX/2022! He did not believe me. 

Explained to representative that I am being assessed two late payments, and therefore, the account which is closed is being reported inaccurately ; it should be removed.

The replacement card carried over a late payment, and the old card is still reporting as if I have two cards with two late payments. 

Placed me on hold several times. Unable to help and argued that there are no updates. 

Equifax and XXXX are reporting these inaccuracies and will not investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Credit Service International Corp
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX appointment XX/XX/XXXX at which time new insurance card provided by client ( recently turned XXXX and now under individual plan via employer ) ; XXXX XXXX  provides full coverage of all preventative services with {$0.00} copay. 

Sometime after XX/XX/XXXX ( as evidenced by mail forwarding per XXXX from prior residence ) statement sent from dental office with unpaid balance on account dating back to said appt prior year ; no contact prior to this. 

Several phone calls exchanged between myself ( client ) and dental office to refute charges. Discovered Incorrect insurance billed, therefore XXXX XXXX  information provided. Claim rejected as was billed outside the service window. Argued against fault for improper billing as charges are not responsibility of client from clerical error. 

Received call summer/fall of XXXX from collections agency regarding outstanding balance that had been forward. Explained situation and again disputed fault for improper billing as charges were not the financial responsibility of client. Noted these events as if disputed claim would be taken care of/ resolved with dental office. No additional contact from either entity. 

Now XX/XX/XXXX informed of negative impact from unresolved dispute on credit report, affecting favorable mortgage loan rates when believed to be resolved months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
This in regards to The Bank of America settlement and I could not figure out the right information to make a complaint about that in particular. 

I recently saw the news about it and was not surprised because I had personally had this experience with them. They fully convinced me that there was nothing I could do about the situation and everything they did was legal. I did not know what avenues I could take such as filing a complaint with CFPB. 

I had an account with Bank of America for about 2 years and in that time I was never awarded the sign up bonus I was promised during my signing and I was double charged multiple times for overdraft fees. I stopped trusting them with my money and they eventually closed my account. I am wondering if there is anything I can do or is it too late?

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 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 non-monetary relief
Consumer complaint received 2020-03-28
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX XXXX XXXX has been reinserted onto my credit profile without notice as required by law. Please see attachment for further details

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 2023-03-06
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Florida XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the inquiries made by various entities on my credit report, including 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. 

These inquiries have been made without my consent or authorization, and I believe they are in violation of the Fair Credit Reporting Act ( FCRA ) which regulates the use and disclosure of consumer credit information. Under FCRA Section 604, credit reporting agencies must obtain written consent from the consumer before sharing their credit information with third parties, except in certain specific circumstances.

I have not applied for credit or authorized any inquiries from the above-mentioned entities, and I am concerned that my personal information may have been used fraudulently. I request that you investigate these inquiries and remove any unauthorized inquiries from my credit report.

I am emotionally distressed by this situation, as it has caused me a great deal of inconvenience and concern. I request that you take immediate action to address this matter and ensure that my credit report is accurate and reflects only authorized inquiries. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-08-05
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened my account with Citi Bank on XX/XX/XXXX. I promptly change my direct deposit information from the XXXX so that it would help fund the account. On XX/XX/XXXX I received notice via email that the account is restricted and will be closed. I then changed my direct deposit information with the XXXX  so that it would not be deposited into the now pending closing. I called Citi Bank and they assured my that the deposit would not go through and that it will be returned to the XXXX After calling today to get an update on the deposit, Citi Bank stated that the deposit completed and that I would have to wait 60 days for a paper check. This is after stating that because my account was restricted no deposits can be made.

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