BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Bank of America tried to let CFPB case to close, then they recharge me again the same amount that I dispute about it. 
So bad customer service I'm receiving from this bank. 
I'll try to reach to the highest financial organizations and government level to write a claim about this bad financial institution customer service as I spent almost one-year doing phone calls or visit the local branches to redescribe the entire situation. 

The transaction happened in XX/XX/2018 by Hotel in XXXX . 
After " solving the problem '' my bank recharge me again on XX/XX/2018. 

Thank you,

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: Experian Information Solutions Inc.
State: IL
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, I 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 taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX 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 2022-06-15
Company: FORD MOTOR CREDIT CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX I bought the car XXXX XXXX XXXX XXXX XXXX. The car was financed via loan from XXXX XXXX XXXX On XX/XX/XXXX I fully paid off the loan as evidenced by statement of termination from XXXX XXXXXXXX XXXX and also letter of confirmation dated XX/XX/XXXX ( 5 years ago ). 

On XX/XX/XXXX I decided to sell the car and applied to Florida DMV for the title. They informed me that the car has a lien from Ford Motor Credit Company XXXX XXXX and that I need to contact them to remove the lien. I reached XXXX XXXX XXXX at the phone XXXX XXXX XXXX, the operator informed me that that there do not have any records of lien and will issue the letter to remove it and it would take 3-5 business days. I haven't received the letter in this time frame and called again on XX/XX/XXXX, this time they promised to send the fax with lien release, again nothing happened despite the fact that it was promised to be sent in 2-3 business days. Today, I called them again and they promised to send the letter again. 

I'm incurring cost as a result of unlawful actions of Ford Motor Credit Company ( they have no rights to stop me selling my property and repeatedly not acting in a good faith to resolve their negligence ), I bought a new car and now have to pay extra parking XXXX dollars per day, car insurance around XXXX dollars so far, and interest for the loan for the new car since I can not sell the old car and repay the loan for the new car. Also the value of the car might change due to delay. 

Actions of XXXX XXXX causing me considerable financial and emotional distress. Also I would like to ask regulator to inspect dealing of Ford Motor Credit with other consumers since this might be the case of systematic unlawful actions towards consumers and an example when a big company abusing small consumers systematically.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
State: GA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$460.00}, XXXX XXXX Balance : {$260.00}, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$770.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I have already sent a letter to the XXXX, XXXX, and Transunion Credit Bureaus last XX/XX/XXXX, requesting the verification and deletion of the accounts and information on my credit file which I found to be fraudulent items. Upon reviewing a copy of my updated credit report, the fraudulent items are still reporting on my credit report. I have been waiting for a response from the credit bureaus and yet I received nothing. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act sections 605n, within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Let me remind you that under the Fair Credit Reporting Act section 605b, you are expected to remove the disputed accounts and information off of my Credit File as they resulted due to identity theft. If you claim the items are accurate and verified, send me copies of proof or any documents supporting your claims. If you are unable to provide such documents, I need you to remove the disputed items immediately.

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 2022-06-15
Company: EQUIFAX, INC.
State: CA
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:
INACCUCRACIES ON CONSUMER REPORT XXXX ACCT # XXXX BALANCE XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( EQUIFAX ). 

XXXX XXXX ACCT # XXXX BALANCE XXXX LAST PAYMENT ( INACCURATE ) ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) OPEN DATE ( INACCURATE ) # ( XX/XX/XXXX ) LAST REPORTED ( INACCURATE ) ( XX/XX/XXXX ). 

XXXX DELETED ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
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:
This is my second time writing the company Experian to update my personal information. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The followings names listed is not the correct spelling of my name and are inaccurate which must be removed from my reports XXXX XXXX and XXXX XXXX are both the wrong spelling of my name. 
Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses as following, XXXX XXXX CT XXXX, FL XXXX so please remove this current address from my report it is inaccurate address listed. 
Delete date of birth be removed from being displayed on the credit file for privacy reasons. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

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 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX  Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # 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 non-monetary relief
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602A states that I have the right to privacy 15 U.S.C. 1681 section 604A section 2. It also states a consumer reporting agency can not furnish an 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
Consumer complaint received 2023-05-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2019-07-15
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX Credit Card Services made an urgent request to Equifax and XXXX  Consumer Credit Bureaus in order to removed this account from my credit report since XX/XX/XXXX, I will attached the letter that was sent to Equifax and XXXX. This issue has not been resolve I have been calling Equifax and XXXX  since XX/XX/XXXX and they stated they have not received any letter or request

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: CITIBANK, N.A.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 Citi Bank fraud department blocked my account even from me, they are closing my accounts and they have my whole Social security survivors and XXXX payment which they will not give me any kind of access to it. They seem to be targeting me for my XXXX status from what i have read threw it would appear that discrimination based on XXXX, race, or family status is in violation of federal regulations. The law could not be clearer to preserve federal benefits for their intended recipients, Congress provided that the benefits can not be seized as such seizures would result in the loss of subsistence funds. The statutes governing the distribution of these funds specifically states these funds are to be free from attachment. This happened after my online checking account information was stolen and the result was a mobile deposit being made for {$890.00} by a company called XXXX XXXX  i am a victim of both companies. I need my Social Security to survive and they said i have to go into a branch and get it. Well the nearest branch is XXXX miles from where i live they have all my money so how do i get there to do that? I am 100 % XXXX determined by Social security and other agencies and i can not get anywhere with Citi Banks fraud department that is located in the XXXX. So i have to resolve this quickly i have to pay rent i am facing eviction, my phone will be shut off all because they are withholding my monthly payment. 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 2023-04-06
Company: Experian Information Solutions Inc.
State: NY
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 My rights have been violated, 15 USC 1681 section 602 A states I have the right to privacy, 15 USC 1681 section A section 2 also states a consumer reporting agency can not furnish a account without my written instruction ; 15 USC 1681c ( a ) ( 5 ) section states that no consumer reporting agency may make any consumer report containing any of the following items of information, any of the other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1 681s-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 innacurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02
Company: FULTON FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX is where my social security checks go into an account. If I over draw ( which is only because they charge me a fee and daily fee ) my account, they know that no money comes into my account only by SSI so my money is gone and they constantly charge me a fee of {$39.00} per Overdraft and a {$6.00} fee per day till my SSI comes in. Once it does, XXXX XXXX takes out their money and leaves me with no funds because I owe them so much. To leave this account, Social Security needs at least 1 to 2 months to change my account to another account. I can not have my bank taking all of my money and I want it refunded asap. I have contacted them XX/XX/2018 so they have not contacted me yet

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 2018-10-18
Company: Perfection Collection
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX was to install equipment in my house and never did. I called to cancel and the bills just kept coming. I faxed them and mailed them as you can see from the files I have sent. They just kept sending bills until the amount was around XXXX dollars. The bills did stop but turned over to a collection group called Perfection Collection. They have made many threats not only to me but my wife and son who dose not live at home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: Experian Information Solutions Inc.
State: TX
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.

The letters are stated with items and issues.

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 2022-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I accessed my Capital One account on XX/XX/XXXX and it showed my accounts had been restricted. On XX/XX/XXXX I got a letter in the mail stating they were closing my account due to returned payments, however I was not notified prior to them closing my account, nor does it state anything in their terms and agreements about returned payments would result in Capital One closing your account. How can one take it upon themselves to close a customers account without notifying the customer or speaking with the customer. I have been a loyal customer since 2017 and not once have I ever missed a payment.

Company response to consumer: Closed with explanation