BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
i purchased 2 VIP tickets to XXXX XXXX XXXX on XX/XX/2020 for the amount of {$750.00} to be used on XX/XX/2020. When we traveled to California the park was closed due to the Covid virus. I called XXXX on XX/XX/2020 at XXXX for a refund they told me someone would call me within 24 hrs. No call so i called back XX/XX/2020 was shuffled around finally got to someone said they would refund my money but it could take up to 20 + days because of amount of refunds being given. I waited a month called back was told the refund was never started and they would get on it right away but would take 7-10 days before i saw it in my account. During the time this all started i had fraud on that card so i was issued a new one after another month of no action i finally got a hold of Vip manager who was the first person who actually tried to help me. He claimed he tried to refund the money and my bank refused it so i called my bank BofA first i was told that a card with fraud could not receive any refund and was told to have XXXX refund my new card number I called XXXX back they said they could only refund the card that the purchase was done with. i called BofA back then was told if i got manager on a 3 way call they would refund the money when myself and manager tried a 3 way call i was told by another BofA rep that was not true and that couldnt happen. The manager of XXXX then told me to dispute the charges I did but about a month later money was pulled out of my account again now BofA told me when they tried to retrieve money from XXXX it was declined due to amount of time since purchase. i called BofA numerous times to talk to a supervisor and was told 4 times a supervisor would call me back within 24hrs not once did a supervisor call. i finally got a rep named XXXX who stayed on the phone with me for 3 + hrs. She filed numerous complaints in her dept for me but there was nothing she could do further. she gave me your information and suggested i ask you for help this has been going on for 7 months i just want my money back it seems no one will take the needed steps to do it. please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im begging you please remove this to the credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: AMERICAN EXPRESS COMPANY
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 rewards from credit card

Complaint:
I have been a customer of American Express since XXXX having opening my first account ( Blue Cash Everyday Card ) with them on XX/XX/XXXX. Over the years I also opened another account, the Hilton Honors card based on a promotional offer. I don't have any credit card debt and always pay off my card every month and based on that Amex has been sending promotional offers for their luxury card, the Amex Platinum, which comes with an annual fee of {$690.00}. 

I put in an application for the Platinum card on XX/XX/XXXX and was approved with a welcome offer of XXXX membership reward points once I spent {$6000.00} on the card within 6 months. I opened the account primarily to book two international flight tickets for my parents traveling from XXXX to the US and just that purchase came out to be {$4600.00} and in the next 2 months I had reached the {$6000.00} limit. I reached out to Amex customer service on the month of XX/XX/XXXX enquiring about the delay in receiving my welcome offer and to my surprise I was told that in their " system '' the qualified spending amount that I have made is {$1900.00} and that I need to spent {$4000.00}!! 

After sending the screenshot of their system of the purchases I made, the customer representative manually calculated I've made since the account was opened and it shows that I made a total of {$6600.00} on the card. I was asked to wait 6-8 weeks for the transactions to be reflected in my account for the to receive the welcome offer. 

I was also informed by the customer rep that I met the spending requirement on XX/XX/XXXX and that points will be credited on or before XX/XX/XXXX, the 8 weeks mark. On checking the account on XX/XX/XXXX, I found that the points are yet to be reflected in my account. Upon contacting the customer service again, they gave me multiple explanations. The initial support was telling me about a " technical glitch '' within their system that is causing the delay and asked me to wait 5-7 business days for a resolution. Upon contacting them a week later I was informed that the qualified spending amount I have made is {$5600.00} and I still have to make {$300.00} to meet the spending limit. 

This inconsistency in the information itself is very frustrating and as a customer very unfair. As per my statements till date I spent {$10000.00} on the platinum card since opening with {$6300.00} just on travel alone. I have attached the screenshots/statements confirming the same but according to the company I have not yet reached the " limit ''. I have raised two complaints with Amex but with no results. The case numbers are XXXX and XXXX. 

At this point I want CFBP to investigate the issue and get a solution as early as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26
Company: Home Point Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have repeatedly ( over three times ) asked for an accounting of how the new escrow charges assessed by the company ( HomePoint ) were calculated because they did not match the actual taxes and insurance amounts that are readily knowable ( even with a cushion ). As a result, I repeatedly asked the company to cease collecting insurance and tax amounts via escrow, and we will make payments to the insurance company and the taxing authorities ourselves. After repeatedly ignored emails, I warned them that I would complain if they did not respond. They have again failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I logged on to my Bank of America account and found a credit card on my account that I never opened or applied for. After waiting on hold for many hours, I finally got to someone in fraud who closed the credit card. The card had not been activated but did have an annual fee charge on it, which I was told would be removed and I wouldn't be charged for. The credit card has been removed from my account but I was then told I had to talk to someone else about getting a copy of the application and making sure the credit card was removed from my credit history. I waited on hold with many other people, for a minimum of three hours, and no one could help me. No one seemed to know who I should actual talk to or what to do. This credit card was allowed to be opened by my bank, with whom I have many accounts but I was never once contacted for verification and the bank seemed completely unprepared for helping me more than closing the credit card. I am concerned about my personal information being used again and my credit being hurt by this and BOA seemed to have no interest in helping me further. I was told I would have to just wait and see and contact the major credit bureaus in 3 months.

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 2018-07-13
Company: Bread Financial Holdings, Inc.
State: CO
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:
Bought a shirt at XXXX, XX/XX/2016 at a local shopping store for a business meeting. Lady at checkout asked if I would like a discount and would just need a few pieces of info, 10 minutes later she is still filling out the form and asked why she needed my Social Security Number and proceeded to tell me that its standard to create an account and never once told me she was signing up for a store credit card and pulling my credit. 

Have called XXXX XXXX and closed the account. 

Looking over my report this account still shows up, and should of never been there in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I have a Bank of America prepaid debit card from the California EDD. I have been attempting to withdraw funds for my XXXX rent, however Bank of America has closed my card and frozen my account without giving any reason. I have been on hold for hours. I was told by one representative that EDD had shut down all cards and was redirected to contact EDD. After speaking with other people experiencing the same issue it appears that BOFA has frozen the accounts on their own and is offering no information or solutions to the general public.

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 2019-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Mailed a dispute letter ( certified mail ) to credit bureau disputing some unauthorized hard inquiries on my report. After 30 days did not receive and update about the dispute. I contacted the credit bureau by phone to ask of a reason why dispute was ignored. I was told hard inquires are not disputable. FCRA states ANY inaccurate item on a credit report is disputable. Company did not want to help me any way except stating I could mail a letter again. Note* I included 2 forms of identification with the letter for them to be able to locate my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities.

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 2018-04-26
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:
I was a victim of identity theft and provided Experian with everything they asked for and the fraudulant accounts were deleted from my credit file on XX/XX/XXXX. Then i get a letter in the mail on XX/XX/XXXX stated that the accounts were being reinserted due to the police report not being valid or unverifiable. So i contacted the XXXX Police Department and asked if Experian were to contact them directly could they verify that my report was valid and the lady said yes, no problem but they had not received a call from Experian regarding my report. I then called Experian back 5 minutes later and they kept giving me excuses because they lied about calling the XXXX Police Department. They keep reporting the accounts as being verified. I even called the original creditor about the accounts and they had the wrong birthdate and age.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: U.S. BANCORP
State: WY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dear Sir/Madam, I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding an unnecessary hold that has been placed on my funds in my account with US Bank since last 2 Months, I believe that this hold is unjustified and has caused me significant inconvenience and financial hardship. On XXXX XX/XX/2023, I made a deposit of USD XXXX into my account number XXXX. According to the bank 's policy, funds from deposits should be made available to customers within a certain period, typically a few business days. However, I was informed that a hold was placed on the funds, preventing me from accessing my own money. I have contacted your customer service representatives several times to inquire about the reason for this hold, but I have received conflicting information and no satisfactory resolution even on customer support phone and branch phone as well as no responses on Email. Encl XXXX XXXX No Email Responses from any of the Authorities of US Bank Copy of Email Send Attached. Encl -XXXX  Details of Call Done Encl XXXX ) They give us two options in the Letter dated XX/XX/XXXX ( Encl XXXX ) in response of the complaint. In the Response they gave us two options 1. Talk to the branch manager to release the funds : when I talk to them the branch manager XXXX, She doesn't have any update on the those funds on XX/XX/XXXX ( here are the screenshot of the communication Encl XXXX ) As This shows their Clear misrepresentation, manipulation and unnecessarily holding of funds since last 60 days which leads unnecessarily harassment of a customer. XXXX ) Our latest Communication with them on which we still not get any reply from there side. We have tried each and everything & They are just reading our mail but we are not getting any response from any one of the bank person over our email they just sent us reply over here only so we need the solution for that issue. 

They are just replying to you only on this platform so we request you to take care the same and do the needful.

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 2021-05-05
Company: TRUIST FINANCIAL CORPORATION
State: TN
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 currently have credit cards with XXXX XXXX and suntrust and due to the pandemic I had been having financial issues and as a result I have enrolled in a debt relief program to handle all of my debt called National debt relief. Suntrust was made aware of this over several months ago. Since being made aware, Suntrust bank revoked card privileges over 6 months ago. The problem I am having still is that this card is delinquent over 190 days and they still have card open and charging open interest fees/ late fees instead of charging off the card. XXXX XXXX went delinquent same time as Suntrust and cards are now charged off. I have called Suntrust credit card department several times about this issue and they are not giving a definite date as to when this card will be actually charged off. 

Why isnt the credit card account number fully displayed on actual statement??

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 2022-10-12
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: Credit inquiries on your report that you don't recognize

Complaint:
( DISPUTE CODE - 103 ) My personal information was stolen in 2020, since that day Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting Act multiple unauthorized Inquiries and accounts have been found on my credit report please immediately delete and remove all inaccurate inquiries and addresses I have listed, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian 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 XXXXXXXX 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 hand written instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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