BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-17
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 information incorrect

Complaint:
On XX/XX/XXXX XXXX, I disputed information on my credit report. I ask the 3 credit reporting agencies to verify information on my report to insure that it was accurate.

They later confirmed that the information submitted was validated, 100 % correct.

When submitting information to more than 1 credit agency, all information must match. 

I have attached documentation of the information. You will see that it differs.

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 2018-08-25
Company: CITIBANK, N.A.
State: PA
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:
Problem with fraud alerts or security freezes I have a credit card from Citibank and they blocked my card claiming that could be a fraud every time I tried to make a purchase.I only got the card less than a week and tt happens three times in five days.

They only way to get it unblocked is to call the fraud team of Citibank then to receive a code from a call or text or a latter from mail.The first time I could receive a code through text message.The second time they said I can only get the code through a voice call and I live in an area with barely no service so I have to drive to downtown to get the voice call to get the code.But when I try to call back they said I need to call them thought land line so I drove back home to call them with my land line then they said the code was expired.

I finally got off the hook from taking with a supervisor using that code.This doesn't make any sense at all.

Two days letter I found out my card has been blocked again for no reason this time and this time the fraud team said because I have used text or voice call to get the code too often so I can only do it through letter from mail which could take 5-7 business days.This is making completely no sense.I used my phone to receive the code too often was because Citibank keeps on blocking my card for no reason.

The fraud team also said I can not make any payment or close my account when the card is blocked but there still will be interest and late fee! And I can not even get it done in person in branches.

So even I can get it unblocked this time, I will still have to wait for the letter from mail to get the code every time I try to make a purchase in the future.And it will take 5-7 business days to receive the letter.This is ridiculous long waiting time trying to use a credit card on a regular purchase.

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 2023-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
Bank of America advertised a promotional no-interest cash advance program when logging into my credit card account using the Bank of America App . The promotional program offered " 0 % interest on a cash advance for 12 months ''. The promotional splash page clearly indicated that a 3 % charge on the cash advance amount would be incurred, which I was happy to pay, and that repayment of the cash advance amount would not be due for 12 months. I registered for the program online immediately for a {$2500.00} cash advance and was approved. I called Bank of America following issuance of my next statement to confirm that I could pay my balance less the cash advance amount and not incur interest charges. The BOA representative told me " yes, you can short pay your statement by the {$2500.00} cash advance amount and not incur interest ''. I followed the BOA guidance, but was still charged interest on my subsequent statement and called Bank of America a second time to clarify. It was then explained that he only way to incur 0 % interest for 12 months was to stop making purchases on my credit card until the cash advance amount was paid off. Indeed, it was in the fine print, but nowhere in the program advertising, that all purchasing activity must cease in order to avoid interest charges on the cash advance amount. I filed a complaint with BOA as a deceitful advertising practice, and BOA still refused to refund me the 3 % program fee of {$75.00}, and now I'm in the position of paying back the cash advance in full immediately to avoid future interest charges. I feel the advertising of the program was highly deceitful and designed to misinform customers to the benefit of BOA.

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 2023-03-11
Company: Experian Information Solutions Inc.
State: IL
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 canceling credit monitoring or identify theft protection service

Complaint:
15 USC 1681 XXXXXXXX XXXX XXXX XXXX XXXX Personal Statement A seperate transaction occurred between a third party i did not give any one permission to create a profile that represent me i did not approve of or to report any information being sold and used without my permission and i was not involved in those transactions. I Demand This account be deleted permanently do to Violation of my Consumer Rights identity theft

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 2022-10-19
Company: CarMax, Inc.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Carmax Financial repoed my car in the middle of the night with no prior notification. I sent off full payment to them on XX/XX/2022 and they still repoed my car. This is the 2nd time that theyve violated my rights and had my property taken without any judicial involvement and without any proper notifications. 15 USC 16926 ( f ) states that Carmax has violated the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Experian Information Solutions Inc.
State: LA
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 filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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/2022 I paid {$150.00} deposit for an item which full price was {$490.00} on an product which had not been manufactured yet. I purchased the item from an on-line store XXXX XXXX XXXX. The payment was made via a Visa card through CapitalOne. 

The manufacture of the product did not have the item manufactured until XX/XX/2022. On XX/XX/2022 I contacted the store I made the deposit payment to, too send me a bill for the balance owed to complete the purchase. I made multi attempts to contact the merchant and XXXX XXXX XXXX did not respond to my multi messages so I contacted CapitalOne and opened a dispute with this merchant. 

I submitted a document with all information showing how this merchant has taken my {$150.00} and stopped responding to me about the product I had paid a deposit for. 

CapitalOne has refused to refund my {$150.00} and has let the crooked merchant keep the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-25
Company: Medical-Commercial Audit Inc
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have never received any information from a company called MCA Management Company. They are on my credit report and have been pinging my credit reports monthly dropping my credit score 10-20 points every month but have never contacted me about owing money to anyone. I am a current patient of XXXX XXXX. XXXX XXXX and have always made payments to them when I owed them money. I have no idea why I would be in collections when I made payments and to my knowledge I was paid in full as I always payed my bills when I receive them from XXXX. 

I have no idea who MCA Management is and their never having contacted me in anycshape or form and I have just recently noticed they have been on my credit report since XX/XX/2018 and every month they are reapplying what ever it is they do to my credit report but have yet to contact me in written letter or by phone but have no problems harassing and ruining my credit monthly with their deceptive practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: NEW YORK COMMUNITY BANCORP INC
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
My XXXX  brother ( XXXX XXXX ) and I went into the FlagStar Branch located at XXXX XXXX XXXX, XXXX, MI XXXX. The teller was squirming with discomforts of discrimination. He did not want to help us, never spoke or assisted in a friendly way. My XXXX  brother received a money order from our grandparents to cash for a birthday gift of {$50.00}. The teller kept taking forever, got up and went to speak to the branch manager like he needed help cashing the money order. Keep in mind that there was enough money in the account to cover the {$50.00} transaction being cashed. Teller finally came back and entered what we thought was {$50.00} but gave my baby brother {$250.00} in hand and deposited {$100.00} into the account. 

Long story short, the Teller entered the {$50.00} money order as {$350.00}. Not only did he hand my brother {$250.00}, but later made it seem as if my brother was trying to defraud them. It's obvious the teller was going to try making this transaction a way for them to get over on my XXXX  brother who is a XXXX. I'm only on the account for the purpose of him having an account for his job, which received direct deposits. 

A week later, they began calling my XXXX  brother about the transaction that was done and my Mother and I got on the phone to let them know that this was purposely done by their teller. My brother thought that he was giving him extra money from his account that had already been in there. The representative made apology of the bank teller doing this and stated that there was nothing that they could do other than request the money back from my baby brother who had already spent the money. 

I'm involved because now this has been reported on my credit and is affecting my score tremendously. I have just started building my credit and I was at a XXXX, now I'm in the low XXXX XXXX because of this stupid bank transaction that has absolutely nothing to do with me or what the teller did purposely. He was rude and XXXX. I never thought my XXXX  brother would experience this, let alone me experiencing a decline in score. 

Please help, what can I do about this on my score.

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 2022-02-17
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-06
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:
I discovered that some of the items on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified items without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that needs to be investigated and corrected : 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 2020-03-20
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX Fl RE :  Account XXXX XXXX aka working for XXXX university To Whom it May Concern, Your firm has failed to send the legally required validation of this debt. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. 
Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. 
Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 
Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX. 
As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life. 
I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX, XXXX, and XXXX XXXX  ). 
As I am currently attempting to apply for credit, time is of the essence. Please understand that I am extremely concerned about the consequences of the actions your firm is having on my life. Please be advised that, if this matter is not resolved by XX/XX/2020, I will take any and all necessary steps to protect my rights. 
Thank you in advance for your attention to this matter. 
Sincerely, 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 2019-08-27
Company: Big Picture Loans, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Trying to settle with this company they told me has to be delinquent to be offered settlement. I've already paid XXXX but only borrowed {$1000.00} They told me to pay the payday off they want XXXX by wed to pay in full. I'm going broke trying pay them every two weeks. Below is is screen shot of my loan. 



Original Loan Amount : {$1000.00} Principal Balance : {$870.00} Loan Docs : Want to Make a Payment? 
Want to Change Password? 
Status : Current Loan Effective Date : XX/XX/XXXX Loan Maturity Date : XX/XX/XXXX APR : 347.5562 % Interest Balance : {$92.00} Original Scheduled Installments : 26 Current Installment Cycle : 13 Current Due Date : XX/XX/XXXX Current Due Amount : {$140.00} Interest Paid To Date : {$1500.00} Principal Paid To Date : {$120.00} Last Payment Amount : {$140.00} Payment Date : XX/XX/XXXX Original Payment Schedule Pmt Order Due Date Beginning Balance Principal Balance Payment Amount Interest Ending Amount Payment Status Delinquency Status 01 XX/XX/XXXX {$1000.00} {$0.00} {$140.00} {$140.00} {$1000.00} Regular Current 02 XX/XX/XXXX {$1000.00} {$0.00} {$140.00} {$140.00} {$1000.00} Regular Current 03 XX/XX/XXXX {$1000.00} {$2.00} {$140.00} {$130.00} {$990.00} Regular Current 04 XX/XX/XXXX {$990.00} {$7.00} {$140.00} {$130.00} {$980.00} Regular Current 05 XX/XX/XXXX {$980.00} {$8.00} {$140.00} {$130.00} {$980.00} Regular Current 06 XX/XX/XXXX {$980.00} {$9.00} {$140.00} {$130.00} {$970.00} Regular Current 07 XX/XX/XXXX {$970.00} {$11.00} {$140.00} {$130.00} {$950.00} Regular Current 08 XX/XX/XXXX {$950.00} {$12.00} {$140.00} {$120.00} {$940.00} Regular Current 09 XX/XX/XXXX {$940.00} {$23.00} {$140.00} {$110.00} {$920.00} Regular Current 10 XX/XX/XXXX {$920.00} {$8.00} {$140.00} {$130.00} {$910.00} Regular Current 11 XX/XX/XXXX {$910.00} {$18.00} {$140.00} {$120.00} {$890.00} Regular Current 12 XX/XX/XXXX {$890.00} {$21.00} {$140.00} {$120.00} {$870.00} Regular Current 13 XX/XX/XXXX {$870.00} {$24.00} {$140.00} {$110.00} {$840.00} None 14 XX/XX/XXXX {$840.00} {$27.00} {$140.00} {$110.00} {$820.00} None 15 XX/XX/XXXX {$820.00} {$31.00} {$140.00} {$110.00} {$790.00} None 16 XX/XX/XXXX {$790.00} {$35.00} {$140.00} {$100.00} {$750.00} None 17 XX/XX/XXXX {$750.00} {$40.00} {$140.00} {$100.00} {$710.00} None 18 XX/XX/XXXX {$710.00} {$45.00} {$140.00} {$96.00} {$670.00} None 19 XX/XX/XXXX {$670.00} {$51.00} {$140.00} {$89.00} {$610.00} None 20 XX/XX/XXXX {$610.00} {$58.00} {$140.00} {$83.00} {$550.00} None 21 XX/XX/XXXX {$550.00} {$66.00} {$140.00} {$75.00} {$490.00} None 22 XX/XX/XXXX {$490.00} {$75.00} {$140.00} {$66.00} {$410.00} None 23 XX/XX/XXXX {$410.00} {$85.00} {$140.00} {$56.00} {$330.00} None 24 XX/XX/XXXX {$330.00} {$96.00} {$140.00} {$44.00} {$230.00} None 25 XX/XX/XXXX {$230.00} {$100.00} {$140.00} {$31.00} {$120.00} None 26 XX/XX/XXXX {$120.00} {$120.00} {$140.00} {$16.00} {$0.00} None

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

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 2023-03-11
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX : # XXXX, XXXX  XXXX : # ID 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 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 crimes which antedates the report by more than seven 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 the 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 2022-03-27
Company: Experian Information Solutions Inc.
State: NC
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, 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