BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Amending complaint. 

Attached records reflect that Mortgage payments were reduced due to a forbearance. 
Reduced payments were paid within 17XXXX day grace period. Credit Reporting Agencies has these two payments as unpaid. Despite sending proof of payment and speaking to agents via phone, they refuse to update. 

Payment 1 was debited EARLY on XX/XX/2022 from XXXX Account ending XXXX for {$92.00} for XXXX payment. 


Payment 2 was debited XX/XX/2022 from XXXX Account ending in XXXX for {$92.00} for 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 2022-10-03
Company: Experian Information Solutions Inc.
State: MN
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with the fair credit reporting act, everything has to be % 100 accurate on my credit report and under 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
So know Bank of America has decided to play this role of lying to me about not being able to verify me so they could find every way to steal my money from me. The representative they have assigned to my case XXXX XXXX XXXX XXXX XXXX XXXXXXXX is consistently rude and doesnt help the situation at all. They need to assign my case to someone else so I can have different results. She honestly needs to be fired cause she doesnt know how to speak to people, is very argumentative, racist in her tone and disrespectful. I need my case assigned to someone else maybe then I will get the help I actually need but until that happens everytime I call its a problem. I dont how regular customer service could confirm my identity but the regulatory complaints department cant, somethings going on and it seems to be high amounts of fraud being done through the higher up departments at this institution. Consistently stealing peoples money to turn a profit for themselves. Unbelievable and disgusting.

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: CITIBANK, N.A.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My complain involves two banks, Citi Bank and XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXXXXXX checking account was open over 13 years. 
XXXX. Citibank checking account was open on XX/XX/XXXX. It was closed on mid XX/XX/XXXX. It was reopened on XXXX XX/XX/XXXX. 

On XX/XX/XXXX I tried to do an external inbound money transfer of {$3000.00} using Citi bank online facility. The money was to come from my Bank of Checking account to my Citi Bank checking account. 

After transfer was initiated the money was withdrawn from XXXX XXXX XXXXXXXX checking accounts but was never deposited into my Citibank Bank. The reference number is XXXX. 

I see a message that Looks like were not able to complete this transaction. Please contact your external bank for more information. 

I called XXXX XXXX XXXXXXXX and informed the issue. The created a claim based on my complain. 
As part of complain, on XX/XX/XXXX, XXXX XXXX XXXX initiated an unauthorized money transfer and withdrew {$3000.00} from my Citi bank checking account and deposited in my XXXX XXXX XXXXXXXX Checking account and closed my claim. 

I still have {$3000.00} withdrawn from XXXX XXXX XXXXXXXX checking on XX/XX/XXXX, that I never received in my Citibank. 

When I call XXXX XXXX XXXXXXXX customer service, they say that your claim is resolved and we deposited {$3000.00} back to checking account. 

When I call Citibank customer service, they say your transaction on XX/XX/XXXX is cancelled and money was returned back to XXXX XXXXXXXX XXXX. ( I think the money didnt get deposited in Citibank was because the account was closed and just reopened on XX/XX/XXXX ) But the money that deducted on XXXX was from my exiting funds with Citibank checking account. 

I still have not received my money of {$300.00}, that was deducted from XXXX XXXX XXXXXXXX on XX/XX/XXXX in my Citibank account. 
Attached is XXXX.transaction details from XXXX XXXX XXXXXXXX XXXX XXXX transaction details from Citibank and XXXX XXXX Screenshot of failed external transaction transfer from Citibank. 

I am frustrated calling both banks. Both tells me to call the other Bank. Please help in getting my money back that withdrawn from XXXX XXXX XXXXXXXX that never went to Citibank.

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 2023-02-16
Company: W&A Intermediate Co., LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
As a retired XXXX XXXX, I receive credit monitoring services. In XX/XX/XXXX, XXXX emailed me an alert that their activity in my name and I should access their website. Website identified that collection agency Wakefield and Associates ( XXXX ) XXXX was trying to collect {$410.00}. I contacted XXXX XXXX XXXX  who notified the credit bureaus and put me in contact with a Restoration Specialist. ( RS ) Case XXXX ( XXXX ) XXXX ext XXXX who advised I make a police report and other steps I should take. The RS was able to provide a phone number for Wakefield. Police were contacted. I called Wakefield who identified the initiator of the Collection action as XXXX XXXX for services supposedly provided in XX/XX/XXXX. I contacted my XXXX XXXX provider XXXX XXXX ( XXXX ) XXXX. To our knowledge, all received bills have been paid. My phone number is the same. I did not move until XX/XX/XXXX so I was available to contact. To date, XXXX XXXX ( XXXX ) XXXX has not responded to calls from me or my dental provider. No police report was generated as this does not appear to be Identity Theft. I received an email alert from XXXX XXXX XXXX titled Derogatory Comment on XX/XX/XXXX. I submitted report XXXX to the XXXX XXXX XXXX on XX/XX/XXXX. I am submitting this report to the CFPB on the advice of the XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Experian Information Solutions Inc.
State: PA
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. 


Account name : XXXX Account Number:XXXX Account name XXXX XXXX XXXX Account NumberXXXX Account name : XXXX Account NumberXXXX Account name : XXXX XXXX Account NumberXXXX has violated my rights. Or list of inquiries 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 2024-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I request recondieration from Bank of America about the payment terms they have provided in response to XXXX. 

I planned to work with Bank of America when I get details that they promised as part of the CFPB case XXXX. Even though I didnt see a postal mail in USPS informed delivery website, I received a letter on XX/XX/XXXX from Bank of America XXXX 

So I am responding them about this and I am expecting reduced interest rate and payment amount so that I can pay off the debt without much financial burden considering his living expenses. 

I am unable to afford interest rate provided in the terms as well as payment per month. I left a feedback before receiving the letter on XX/XX/XXXX in CFPB case indicating I didnt receive a secure message or communication. I apologize for the same. 

As per the letter the principal amount is XXXX + fees XXXX + interest XXXX + purchase XXXX - payments XXXX = XXXX The interest amount calculated on principal is {$5100.00} for 36 month term loan. 

The interest charged is approximately 12 % per year for 3 years. 

I request the interest rate that is less than 10 % and payment term of at least 5 years. 

I think this will result in an approximate monthly payment around {$330.00}. Please consider my request. I am providing the letter received for reference.

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 2023-02-16
Company: GOLDMAN SACHS BANK USA
State: IN
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: Card was charged for something you did not purchase with the card

Complaint:
My GM Rewards Card at Marcus by Goldman Sachs was charged on XX/XX/XXXX for {$470.00} for an item I did not authorize nor purchase, labeled XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX. Upon noticing the charge, I promptly called Goldman Sachs and notified them, and they temporarily credited the charge to my account. Goldman initially denied my claim that this was a fraudulent charge that I did not authorize and conveyed this to me. I asked Goldman for rationale behind why they denied covering my fraudulent charge and they provided information from the merchant, but this fails to show that I made the charge - I didn't and it was unauthorized. From what they told me, this transaction was not in person, and someone stole both my credit card info and personal information. I appealed this decision, and Goldman took a few months to investigate, however they reversed their decision, making me liable for the unauthorized charge notifying me of this decision on XX/XX/XXXX. They asked me for evidence that I didn't authorize the charge, but if the charge is unauthorized and fraudulent, how would I have evidence that it's a charge that I didn't make? That makes absolutely no sense. Upon that appeal, I'm writing to the CFPB. A credit card company should cover unauthorized and fraudulent charges on consumer accounts, and Goldman Sachs has failed to do this. They're asking me to prove the impossible, to prove that I didn't authorize a fraudulent charge - I fail to believe Goldman Sachs makes every customer that has fraudulent charges prove that they didn't make them. ( Dispute ID : XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: OH
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:
My Equifax report is showing an account from a company called XXXX XXXX. The payment history shows that last payment was more than 7 years ago. Per the Fair Credit Reporting Act, accounts greater than 7 years old ( or greater than 7 years past due ) can no longer be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: CITIBANK, N.A.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Someone name XXXX called from an no caller Id number saying I would be receiving a summon for court at XXXX on XX/XX/2023 .Told me I needed to call XXXX. I called that office at XXXX. He didnt give his name but said XXXX was taking me to court and the court date was XX/XX/XXXX. When I asked where he said somewhere in my area. No summon ever came. Today XX/XX/2023 I got a taped call asking me to press on .Another firm named XXXX called again representing XXXX Saying I owe XXXX but we could settle it today for XXXX. I said this is a scam .He said if you dont your court date is next week. I said someone called me yesterday said it was next week. This is a scam. I do not owe XXXX any money This is harassment or a scam

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 2022-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Recently, I exercised my right to credit yet was unlawfully denied that right. 
This is a direct violation of my rights as a consumer.

15 USC 1602 ( f ) tells me credit is my right. I can not be denied a right.

15 USC 1691 ( 3 ) I exercised my right to credit.

15 USC 1602 ( g ) - the term creditor explains I am the person who regularly extends credit. I credited this transaction so how can you deny me?

15 USC 1681 ( k ) Adverse Action - nothing under Adverse Action gives you the right to deny me.

15 USC 1602 ( l ) I credited this transaction as a creditor from my credit card, this was a credit transaction from my credit card.

15 USC 1602 ( p ) unauthorized use, you ran the credit card and I received no benefit.

15 USC 1602 ( p ) makes it clear that you committed fraud and used my credit card without authority and I received no benefit from this transaction.

15 USC 1691 ( a ) ( 3 ) makes it clear that I can not be discriminated against for exercising my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: EQUIFAX, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and XXXX  is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 
15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15USC 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 USC 1681 s-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 non-monetary relief
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: MD
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Frontline Asset Strategies, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Frontline asset strategies keep sending bills instead of the original contract, my signature to even verify this account. XXXX is still sending bills but they charged it off and this debt collector is also trying to collect on this debt. If they can not verify this debt they need to delete it. I never opened a XXXX account i always had XXXX  bc they are way cheaper. I went into a XXXX store and a asked the rep do you have to sign off on a phone plan and they rep said yes. This debt collection needs to be verified with original signed contract and not any bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Since XXXX of XXXX, I have been turning in proof of Identity such as my ID, SSN, and utility bill to be able to have credit repair agencies monitor my score and report. I had sent in the same information in XXXX, XXXX, and XXXX of XXXX  and still no success in obtaining my information on identity, XXXX, XXXX, XXXX, etc. I was advised it will take only XXXX to XXXX business days and it's been 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 explanation
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently signed into my XXXX credit card account and noticed an offer for a credit line increase. Although in the fine print it stated they may need to access my credit report when considering the request, nowhere did it mention they would be conducting a hard pull that could impact my credit score. I was not required to check a box agreeing to the terms and conditions ( which I mistakenly assumed was because my request only required a soft pull that would not impact my credit ). As a consumer, I expect more transparency in these types of requests, especially when the outcome can affect future applications for credit and/or other financial offerings.

Company response to consumer: Closed with explanation