BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Notice and Demand for Payment  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX   XXXX , FLORIDA  XXXX  BANK OF AMERICA  XXXX   XXXX   XXXX   XXXX , TEXAS  XXXX   XXXX / XXXX /  XXXX   VIA : Certified Mail #  XXXX  Re :  XXXX  CREDIT REPORT #  XXXX  (  13 ) UNAUTHORIZED INQUIRIE ( S ) Consider this notice that you have 30 days to respond point by point and with validation exactly according to the points in the attached validation letter or this stands as evidence in law that no   debt is due to you.     Further, as a Consumer and since BANK OF AMERICA did not have my consent or authorization to view my personal property, your actions were intentional, harmed and injured my person to the value of the debt that is invalidated on my persons credit report, the {$1000.00} fine value for the FDCPA violation and the {$1000.00} fine value for the FCRA violation. That makes the total due upon receipt of {$1000.00}. A notice of lien will be recorded against any and all assets both personal and business to recoup this amount due upon receipt, {$1000.00}.         BY :  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 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2019-05-10
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:
On XX/XX/XXXX I called XXXX XXXX to ask them if they had their own visa personal or business credit card. The bank representative said they offer credit cards through XXXX XXXX XXXX. The web site appeared to be an older application website, I thought it was a pre-approval application. Instead XXXX XXXX XXXX pulled a hard inquiry and I was informed that they pulled my Trans Union credit report. I did not receive confirmation of the denial. I contacted XXXX XXXX XXXX about the reasons of their decision, based on the information supplied by Trans Union, including reasons of the basis of their decisions included balances reported on my deferred federal student loans that generated a debt to income ratio above the payment plan I am under. Even after review/consideration XXXX XXXX XXXX refused to grant or extend credit. Even after I expressed that the information supplied by Trans Union was inaccurate, incomplete and or misleading. I asked them to exclude the student loans into their decision and they refused. The application procedure did not inform me of my rights under the equal credit opportunity law, nor did XXXX XXXX XXXX informed me of my rights to dispute their credit decision under the Fair Credit Reporting Act. The inquiry conducted by XXXX XXXX XXXX was my mistake, because I was not properly informed of the application process by XXXX XXXX. I was unsure who I was applying to at that point I have never heard of XXXX XXXX. The inquiry was a mistake and I am requesting Trans Union to delete the inquiry on XX/XX/2019.

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 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the 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 non-monetary relief
Consumer complaint received 2023-07-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I filled a claim for 3 transactions of XXXX for a business that was charging for a service that was cancelled. After the credit was issued and claim was closed, the merchant charged me a XXXX time on XX/XX/XXXX. The merchant refunded me for that last transaction, but Wells Fargo did not realize a XXXX transaction occurred and thought the refund was related to the claim that was filed and sent me a letter that they were going to reverse XXXX from my account about a week from then. I called to get this handled, to which I was told instead of simply stopping the credit from being reversed ( which is a manual action, not automated ), they wanted to issue more credit immediately, and then allow it to be reversed a week later. I did not like that resolution and saw said there are automatic transactions that occur on the account and if they reverse the credit a week from then, I may not have the money to cover the automatic transactions that i planned for. Of course they refused to simply correct their mistake, and continued to move money in and out of my account erroneously causing what I was afraid of and incurred an overdraft fee.. So I then called customer advocacy and filed a complaint, too which was told they would handle it, during which a second overdraft fee piled on. Waited almost another week, but needing funds to pay bills/etc, I just went ahead and deposited my check. I just was on the phone with them a second ago, and was told they were not going to fix the 2 erroneously charged overdraft fees, and when I asked for a manager, was hung up on! This is incredibly frustrating as that came from an already " elevated '' agent that was supposed to take care of it, as well as the " customer advocate '' who didn't handle it nor even follow up at all

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 2023-02-01
Company: Prince Parker & Associates
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Pursuant to 15usc 1692c. ( c ) I am notifying you in writing that this is not my alleged debt and I am demanding that you cease all communication with me through any and all mediums. My credit report is a medium of communication.

I am invoking my specified remedy as a consumer, and the original creditor I am demanding the following : Pursuant to 15 USC 1692c. ( c ) ( 2 ) XXXX out the balance on this account Delete account from all consumer reports Your company also inserted information into a non-affiliated third party ( consumer report ) without my permission. Your company also did not send any information regarding this alleged debt to me which is also a violation. 







Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 non-monetary relief
Consumer complaint received 2023-10-06
Company: CITIBANK, N.A.
State: OK
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In XX/XX/XXXX I made three promotional purchases using my BestBuy store card issued by CitiBank. The promotions had zero interest for 12 months if the promotional balances were paid by the expiration of the promotion ( XX/XX/XXXX ). Since that time I have made regular, non-promotional purchases that are subject to interest charges. In an effort to pay down my promotional balances before the 12 month expiration, I made extra payments exceeding the minimum payment due on the monthly statement. The order in which Citi applies extra payments is at Citi 's discretion, a term which is buried deep within the terms and conditions of the card and not prominently disclosed. The cardholder must call Citi every month to ask that extra payments be applied towards promotional balances. with wait times to talk to a representative often exceeding 30 minutes. This misleading practice is a way for Citi to entice cardholders to make promotional purchases that will never be paid prior to expiration of the promotional period if the cardholder carries a non-promotional balance. This is a deceptive and misleading practice that is harmful to cardholders who believe they are getting a good deal with no interest for a set period.

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 2023-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting 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:
Seen several unknown hard inquiries on my consumer report and I would like them removed.

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 2023-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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:
I am writing to lodge a formal complaint against Bank of America regarding an incident that has caused severe inconvenience and financial hardship. As a valued client of Bank of America for the past 20 years, I am disheartened by the treatment I have received in light of this situation. 

In XXXX, my Bank of America account experienced a sudden and unexpected reversal of funds from a claim that was filed in XXXX of the same year. This reversal led to my account balance being deemed insufficient, which has had significant repercussions on my financial stability. 

I wish to highlight that over the course of my two-decade relationship with Bank of America , I have filed only three claims, reflecting my responsible and diligent use of their services. Despite this long-standing association and my infrequent need for claims, the bank 's decision to reverse the credited funds in XXXX came as an unexpected blow. 

The claim in question was related to transactions made with an online casino, whose information was stored in my memory and also conveniently saved in the credit card details on my phone app 's wallet. As an experienced and loyal customer, I believed that Bank of America 's robust security measures would safeguard against unauthorized transactions. Moreover, I had taken measures to protect my credit card information through secure means. 

Given my extensive tenure with Bank of America, I genuinely expected a more proactive and supportive approach from the bank in handling this matter. The reversal of the funds has caused me immense stress and financial strain, as it left my account in an insufficient state, resulting in additional charges and fees. 

I urge the Consumer Financial Protection Bureau to intervene in this matter and ensure that Bank of America thoroughly investigates the circumstances surrounding the reversal of funds from my account. Additionally, I seek fair compensation for the distress caused, as well as reimbursement for any associated fees or penalties incurred due to the insufficient account balance. 

I trust that the CFPB will address this complaint with the utmost diligence and attention it deserves. As a long-standing client of Bank of America , I hope to see a resolution that not only rectifies the immediate situation but also reinforces my faith in the bank 's commitment to customer satisfaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-11
Company: SYNCHRONY FINANCIAL
State: FL
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:
In accordance with XXXX compliance standards, I kindly request that you provide me with the XXXX compliance disclosure governing the reporting of transactions to a consumer reporting agency. 
Furthermore, I insist on the immediate removal of the transactions reported in XXXX and XXXX from my consumer reports, as they are in clear violation of federal law. 
Before you consider responding with a request for validation, please understand that my query does not pertain to validation or verification. I expect no further delay in addressing these pressing concerns. 
Additionally, I draw your attention to 15 USC 1666b ( a ), which explicitly states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Given this provision, I reiterate my demand for the deletion of the above-mentioned transactions from my consumer reports.

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 2022-04-11
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Chase refuses to process our payments to our Southwest Rapid Rewards card in a timely fashion. Shortly after opening the account, we attempted to make a payment while traveling and must have made a typo because the payment was returned. We corrected the error within 48 hours and have made several payments since that time. Despite making payments, having good credit, and having a verifiable account with sufficient assets, Chase continues to place holds on our payments for 1-2 weeks. When we initially contacted Chase, a supervisor told us we could set up direct pay from our bank to resolve the issue. We did this, and Chase started holding those payments just as the prior ones. We were then told by another supervisor that the only way to make timely payments is to take cash to a Chase location ( in 2022 ). This makes the card unusable as a travel card, and we weren't able to even purchase XXXX tickets on a XXXX sponsored card because Chase hasn't processed a payment from over a week ago despite the funds being shown drawn from our account at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On Friday, XX/XX/2018, I went into a Bank of America Financial Center at XXXX XXXX XXXX, XXXX XXXX, NY. I specifically asked the Branch Manager how the funds will be disbursed if I deposited a check from my retirement fund in the amount of {$83000.00}. I was told that on Tuesday, XX/XX/2018 the first {$5000.00} will be available and that on Friday, XX/XX/2018, the remaining balance will be available. I needed to know this because if it would have been too long of a wait, I would have took the check to XXXX XXXX and opened up an account there. I deposited the check and was informed that the whole check will be on hold for a total of 11 days ( XX/XX/2018 ). Needless to say I was very angry. I called Bank of America for  the next few days multiple times and every person I spoke to said something different. No two people gave me the same information. XXXX XXXX XXXX  clear the cash into Bank of America after XXXX  on Monday, XX/XX/2018. I called Bank of America this Morning multiple times again and was told they don't see the cash  deposit so I still have to wait. I said why is the whole amount on hold, can you at least release {$5000.00} especially since the other bank sent over the funds. I was told no. I then replied if I was white, portions of that money would have been released to me, but, because I am XXXX the whole amount is put on hold for 11 days.

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 2022-04-11
Company: EQUIFAX, INC.
State: AZ
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:
I refinanced a mortgage with my credit Union. XXXXXXXX XXXX paid of the previous lender XXXX XXXXXXXX XXXX. I contacted them and they said that the loan was paid off. 
The problem is when I pull up my credit report with XXXX it now shows I have XXXX mortgages XXXX with XXXX XXXX XXXX XXXX and the report still shows I have an active mortgage With my previous Lender. This shows I have XXXX active mortgages on my credit report. I have disputed this with XXXX and called XXXX XXXXXXXX XXXX letting them know of the problem. I was advised they would pass this information on to the department that will take care of this. I have called XXXX several times trying to get my credit report updated showing I only have XXXX mortgage with my credit Union. As of today the XXXX of XXXX the wrong mortgage information is still on my credit report but it shows under a dispute but it's been under a dispute for over 30 days and every time I call XXXX they keep saying they have up to 30 days to correct the error. It's obvious I'm not getting any where to get my credit report updated. I hope filing a compliant with your department will get them to do what is necessary to correct my credit report since filing a compliant to your agency should let them know it's time direct a little more attention to getting this credit report corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: EQUIFAX, INC.
State: MD
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward to the quick correction or deletion of 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

Company response to consumer: Closed with explanation