BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
My bank account was hacked and my debit card was used for numerous transactions without my knowledge, I was also overcharged by merchants I had done business with in the past, I informed the bank of the stolen debit card and phone and asked for account to be locked down until I could review my account and figure out why I was being charged. They then allowed my account to be overdrawn by nearly XXXX dollars after the conversation. They further went on to deny my claims without doing a thorough and legitimate investigation. The balance on this account was nearly XXXX dollars less than a year ago. Im now negative XXXX dollars in this account and i would like to receive all illegitimate transactions back to me immediately. My life savings has been stolen and I truly believe Bank of America has allowed this to happen.

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 2021-03-08
Company: Millco Management
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a fraudulent account on my credit report that I have never heard of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I wrote and contacted Sears and Citibank serveral times. My account was at a zero balance. Citibank chose to close my account when I filed for bankruptcy. Sears and Citibank was not part of the bankruptcy and it should not be reflected on the credit report as discharged by bankruptcy because I never owe Sears or Citibank any money. My account with them was in good standing. General Account InfoAccount NameSEARS/CBNAAccount NumberXXXXAccount TypeCredit cardResponsibilityIndividualDate OpenedXXXXStatusDischarged through XXXX XXXX XXXXStatus UpdatedXX/XX/XXXXBalance -Balance Updated -Recent Payment Amount -Monthly Payment $0Credit Limit $6,000Highest Balance XXXXTerms NAOn Record UntilAug XX/XX/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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
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. 

has violated my rights. Or a 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 non-monetary relief
Consumer complaint received 2021-07-27
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I are XXXX XXXX XXXX. In XX/XX/2021, we filed an application for a home mortgage refinancing from CITIBANK NA. We have submitted a ton of documentation for the application ( some of which were submitted multiple times ) ; 6 months have passed and still the loan application is pending. I have not heard of a loan application that has taken this long and it feels that we are being discriminated. 

We have complained to upper management and still up to this day, we have not gotten a approval.

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 2021-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My capital one CD was closed without any acknowledgement to me and money was transferred to a separate account which was not listed on my CD. I had no clue that the money was transferred to an external account. Your money is not secured in Capital One as they can transfer your money without your authorization to someone else 's account. This is a clear case of unauthorized fund transfer and they take no responsibility with this. Every time I call them, they said it was done in error and they have no option to fix it. Capital One should be held responsible for this as my money was transferred to an external account which was not listed on my CD. They can wrongfully take your money away

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
For my XX/XX/2021 payment ( which was due on XX/XX/2021. I mistakenly made payment to XXXX for the amount owed on my XXXX card, This resulted in an underpayment of {$4.00} to XXXX and an over payment to XXXX. The payment to XXXX was on time. They received the on XXXX/XXXX/201 but as mentioned it was {$4.00} short of the amount owed. For this error of {$4.00} XXXX saw fit to charge me a {$29.00} late fee.even though the payment was not late. I contacted XXXX and they refused to remove the fee, even though the payment, though {$4.00} short, was not late.

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 2023-04-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I applied for a chase business credit card & they are wrongfully declining me to obtain credit, my personal report is perfect my business credit is also expediential. im a XXXX XXXX  & XXXX plus duns number my reply states i have a derogatory which i do not i can provide both docs if needed, there is no true reason to deny me when i am personally garneting the card with my personal credit audit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have called the 3 credit reporting agencies multiple times, Experian, XXXX XXXX to please correct the personal information on my account. The have not corrected the inaccurate information they are reporting. 

I have called and spoken to several representatives and supervisor and they have not yet corrected my personal information. 

I called on XXXX, XXXX, XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
DURING COVID XXXX XXXX HAD DISASTER RELIEF ASSISTANT FOR ME AND I JUST FOUND OUT THE REPORTED I HAD 2 MONTH MISSED PAYMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Self Financial Inc.
State: NY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I CHECKED MY CREDIT REPORT AND THIS INSTALLMENT LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: FC HoldCo LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XXXX 2023, & XXXX of 2023 I called the company and ask one of the Representatives for a hardship help because I was a XXXX survivor but I had just XXXX and I was unable to work. They denied me. They proceeded with repossession, I explained to them that I will not be out from work long but I just need time because, I had been dealing with it since XXXX. They denied me. So I took a look at my contract and cried, they were charging me 20 % interest and my payments were XXXX a month. I told them Im a single parent its no way I couldve done theirs I was hurt at all the hidden things done. They truly messed over 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 2021-07-27
Company: Experian Information Solutions 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:
This company is erroneously reporting late payments on my credit report I have not made a late payment, this has caused my credit score to drop XXXX points which is causing harm in my life.

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 2023-04-07
Company: Chime Financial Inc
State: LA
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:
Someone opened a account in my name and also have applied for a credit card in my name and this has been going on since 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: OR
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: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX my application with XXXXXXXX XXXX XXXXXXXX XXXX XXXX was accepted as complete. Under the Dual Tracking Law I was now under protection and in forbearance. XXXX submitted foreclosure status on XX/XX/XXXX and then again on XX/XX/XXXX to Experian/XXXX XXXX This was illegal. I disputed it on XX/XX/XXXX with Experian and notified that the dispute was processed. The company, XXXX ( XXXX XXXX ), reported the information was " certified to Experian and correct. That the information is accurate. '' The information is NOT accurate, XXXX won't help me, and now Experian has not helped me. I became XXXX in XXXX and have to live off of SS XXXX, and my excellent credit is ruined. Down by XXXX points. How can I rebuild that if I can no longer work? I was fraudulently reported by XXXX. I have paperwork from XXXX that affirms I am under loss mitigation protected status.

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 2021-07-27
Company: Consolidated Credit Solutions, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I paid Consolidated Credit Solutions to consolidate my debt and make payments on my behalf. I was falling behind and i did not want my credit to suffer. They told me they could help me. After i enrolled with them, they told me as long as i made my monthly payments to them, that they would make my monthly payments to my creditors. They did not do this. Instead, they. waited for me to finish paying off my total package to them, then they turned around and paid all my debts. Meanwhile, instead of fixing my credit, it made it worse than before because since they were not paying what they said they would, the debts were just showing up late on my credit report. I have tried to reach out to the company and they have been no help and now me and my fiance and XXXX XXXX  are struggling to get a home loan because of my credit score. They were supposed to help me and have really made my situation worse. And i have paid them IN FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I closed my Capital One credit account due to the company 's unwillingness to help me with a dispute I have with an online retailer. 
After the account was closed, the online retailer credited to the closed credit card account as follows : XX/XX/XXXX {$160.00}, XX/XX/XXXX {$29.00}. To get a refund, I had to send a letter, dated XX/XX/XXXX to Capital One. I advised them we no longer had a " relationship '' and to refund the money to me. In addition, I asked them to pay ME late fees and interest IF they could not make payment within 30 days of receiving it. They sent me a check for {$190.00}, dated XX/XX/XXXX. I did not receive it until XX/XX/XXXX. They were late paying me, for I am entitled to interest at 16.7 % as well as late fee of {$35.00}. Total due me is {$37.00}. If I had paid them late, I would have gotten a {$35.00} charge, and if I did not pay my monthly balance in full, the interest rate on the account was 16.71 %. I should be given the same terms when they fail to pay on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX 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 All 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 2023-06-01
Company: Experian Information Solutions Inc.
State: NM
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:
This is my request that I have been a victim of identity theft and that no one seems to care about this matter. I demand that you will remove all the inaccurate informations on my credit file that are unknown to me. Failure to comply will results in legal actions against you so kindly follow the law. 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

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 2022-12-16
Company: Experian Information Solutions Inc.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XX/XX/XXXX {$27000.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX  Original Creditor XXXX XXXX  XXXX ) XXXX XX/XX/XXXX {$520.00XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2021-07-27
Company: M&T BANK CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband and were mid process refinancing our mortgage with M & T Bank. We were not asked to provide any contract information for employment verification. Instead on XX/XX/2021, M & T Bank sent a companywide email to everyone ( Over 700 employees ) at XXXX where my husband is employed. The email was sent from one of their employees whose job title includes " foreclosure specialist '' and asked if my husband worked at XXXX. So, now, everyone employed at XXXX believes that our family is going through a foreclosure. This is not only humiliating and embarrassing but is also extremely detrimental to his professional persona. This is a violation of the Right to Financial Privacy act.

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 2020-11-20
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I first contacted Jefferson Capital Systems XX/XX/2020 about an inaccurate and unverified account from XXXX for {$640.00} I saw on my credit reports. I included the account number and what was listed on my credit reports by their company. They responded on XX/XX/2020 sending me a totally unrelated bill that is not listed on my credit reports at all, and had none of the information or account numbers I sent them that they are reporting to the credit bureaus. I again sent another certified letter XX/XX/2020, telling them they sent an unrelated account as validation, again listed the account I was disputing as shown by their company on my credit reports and asked them to remove the inaccuracies as they could not verify it. Jefferson Capital Systems responded on XX/XX/2020 sending yet again another bill that had no identifying information to link it to me, and a bill thats not even in my name, nor bears my signature, or verifiable proof as a means of validation. They are continuing to report this unverified account on my credit reports. I have also asked for their bonding agency information so I can file suit, and they have ignored that request as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 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