BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
To whom this may concern I want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX Opened XX/XX/XXXX ( {$710.00} ), XXXX XXXX XXXX Opened XX/XX/XXXX ( {$700.00} ), XXXX XXXX XXXXXXXX XXXX, Opened XX/XX/XXXX ( XXXX ) BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2023-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Bank of America reduced my credit limit from {$4000.00} to {$2100.00} on XXXX  The letter dated XX/XX/ states that a decrease in credit score per XXXX corroborates the credit limit decrease. 

The account has never been late nor any adverse action has been taken from the consumer or Bank of America to substantiate the decrease in credit limit. 

Furthermore, the initial credit limit was backed by the Federal government with full faith and credit. 

It is unlawful to deny the full faith and credit limit that was authorized without subrogation.

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 2020-12-30
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had planned to go on a trip to the XXXX departing on XX/XX/XXXX with a UK-based travel company named XXXX XXXX, which I had use for other trips in the past. 

I paid for the trip in installments from my checking account for the following amounts on four different dates : XX/XX/XXXX : {$1100.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} Due to the COVID-19 pandemic, the trip to the XXXX for XX/XX/XXXX was cancelled. XXXX XXXX did offer to move the trip to an XX/XX/XXXX departure or switch to a different trip entirely, but made it clear that the money paid was non-refundable via emails sent to me on XX/XX/XXXX and XXXX of XXXX ( Attachment 01.pdf and Attachment 02.pdf ). 

On XX/XX/XXXX, I received an email informing me that XXXX XXXX is bankrupt and is no longer trading ( Attachment 03.pdf ). I was referred to a Frequently Asked Questions page on the XXXX XXXX website that would guide customers on how they can get their money back for their now canceled trip ( Attachment 04.pdf ). 

The website referenced a flowchart created by XXXX XXXX XXXX ( Page 3 of Attachment 05.pdf ) to show customers which option to pursue for requesting a refund. At the bottom of this flowchart is a message for XXXX and XXXX  customers, like myself, and the message states, Customers based outside of the XXXX and XXXX should pursue a claim via their bank or card provider. 

On XX/XX/XXXX, I submitted a claim to Chase Bank for the aforementioned transactions and I received a notification that a {$4100.00} temporary credit would be applied to my account while they did their research ( Attachment 06.pdf ). 

On XX/XX/XXXX, I received a letter from Chase Bank regarding the claim and I was informed that the credit would be removed on XX/XX/XXXX ( Attachment 07.pdf ). 

I reached back out to XXXX XXXX and to XXXX, their insolvency company, on XX/XX/XXXX. On XX/XX/XXXX, I received a response from XXXX XXXX ( Attachment 08.pdf ) that included a copy of their Terms and Conditions ( Attachment 09.pdf ) and a response from XXXX on XX/XX/XXXX ( Attachment 10.pdf ). Both XXXX XXXX and XXXX advised that I file a complaint with the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Resurgent Capital Services L.P.
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
2 companies ( resurgent capital, LP, and XXXX XXXX ) are reporting on my files. This account appeared on my XXXX  report, due to a complaint I filled with the XXXX in XX/XX/XXXX. States opened in XX/XX/XXXX, yet was only on my XXXX files until I initiated the complaint with the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: SIERRA PACIFIC MORTGAGE
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My close date is Friday XX/XX/XXXX and I was expecting a 3.625 % interest rate per a XX/XX/ email from my lender at Sierra Pacific Mortgage. On Monday XX/XX/XXXX I was texting my lender asking if rates had dipped due to news about the Coronavirus he  said no. Then I said at least we are locked in at 3.75 %. Thats what I said but in reality shouldve been 3.625 %. He never mentioned anything. A similar conversation took place a few more times and the issue was always skirted. I understand that this is my responsibility to make sure I am locked but I assumed all was good by him not mentioning it. Anyway, last Friday XX/XX/XXXX when it was to till late for me to turn back on my closing ( would blow the whole sale ) he tells me rates spiked to a 5.75 % and tells Me we never locked in. Never once said anything to me about not being locked in, although he will tell you he offered several times. Any email or text chain I have would suggest otherwise. I asked for no closing costs to offset the over {$500.00} increase in mortgage payment from what I was expecting and he said he wouldnt do it. I also contend that nowhere is their a rate anywhere close to 5.75

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: CITIBANK, N.A.
State: MI
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:
AS OF XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING ON MY CREDIT PROFILE AND CONSUMERS REPORT XXXX, XXXX. Original creditor : XXXX XXXX XXXX XXXX Contact info Name XXXX, XXXX. Address : DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN XXXX BUSINESS DAYS OF FRAUD RECEIPT. 

A police report was filed back in XXXX for this fraudulent account. I submitted all required documentation to the FTC, Michigan Attorneys General office and the XXXX. Yet, this fraudulent accounting is still being reported by afni. 

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states consumer reporting agency can not furnish an account without my written instructions under 15 USCs 1666b.

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 2023-10-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
ASKED FOR AN AUTHENTIFICATION AND VERIFICATION USING THE FCRA SECTION 609 LETTER AND VERIFIED RESPONSES BY MAIL ALSO TO DELETE ANY UNVERIFIED INFORMATION ON THE REPORT UNTIL A COMPLETE AUTHENTIFICATIONVAND VERIFICATION OF THE RECORD HAS TAKEN PLACE AND I CAN INSPECT THE RECORD. FOR MY PERSONAL AND PRIVATE INFORMATION TO NOT BE IN THE PUBLIC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
In XX/XX/2020 I refinanced my auto loan that was with Capital One. Capital One began posting payments on XX/XX/2020 with numerous payments and reversals. The following is a list of all transactions made on the loan. According to the transaction made I should have received {$1200.00} from overpayment ( s ). I received a check for {$190.00}. I emailed Capital One asking for someone to review the loan. I received an email back saying to call. I did call repeatedly over the next four weeks each time it was an automated system asking me to hold and then disconnecting with no one answering the phone. In late XXXX I received a check for {$510.00}. I again tried to call Capital One and did not reach a human being. When you subtract all the payments made there was an overage of {$1200.00}. Subtracting the two checks I received ( {$510.00} + {$190.00} ) there is still an overage of {$490.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 

Here are the list of items that do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-10
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX XXXXXXXX is reporting a repossession on my credit reports that is not accurate. The address on a repossessions XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX. Ive never lived there. I live in XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX as youre about to see, Im gon na upload my ID with the address on it along with the Fraud affidavit. This needs to be deleted I put order information on the fraud affidavit. Theres no reason why it shouldnt be deleted or else else I will sue the credit bureau due to the violations report an accurate information without my knowledge

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Down below I have placed This creditor below because I know nothing of this account, and I am a bit bothered that although I spoke with all 3 bureaus nothing still has not been done about this being on my consumer report. Consumer law states that not only shall the Information that is placed on my consumer report be XXXX percent accurate but also 15 U.S. Code 1681e - Compliance procedures, A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report ( or information ). 

XXXX XXXX XXXX XXXX XXXX, OH XXXX Account Number XXXX Account Status Open Open Date XX/XX/XXXX Last Activity XX/XX/XXXX Type Charge Account Responsibility Individual Remarks Times XX/XX/XXXX Days Late XXXX Months Reviewed XXXX Term Source Type Provided High Balance {$360.00} High Credit {$150.00}

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 2023-11-10
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
They broke consumer laws incorrect information and irrelevant information old phone number old addresses that has no relevances to me currently XXXX XXXX XXXX XXXX MI XXXX is my only and current address and collections accounts Ive never done business with them and they couldnt produce my original contract with my hand written signature I wanted all and everything account thats not relevant or accurate to be removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-09
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I am writing to inform you that I have been a victim of identity theft. This happened due to numerous data breaches that have occurred in recent years. As a result of this theft, two checking accounts have been opened without my knowledge or permission : one from XXXX XXXX XXXX XXXX and the other from XXXX XXXX XXXX XXXX. 

I have submitted a copy of the FTC Affidavit as supporting evidence of my claim. I am now in the process of filing a police report and taking legal action against the perpetrator.

I am requesting that you investigate this matter as soon as possible and take the necessary steps to remedy this situation. I am also requesting that you inform me of any additional measures that need to be taken to protect my identity. 

Thank you for your time and attention to this matter.

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 2020-12-30
Company: KEYCORP
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am a XXXX  XXXX XXXX from XXXX connecticut XXXX XXXX XXXX XXXX XXXX XXXX in the XXXX. There are plenty of locations in connecticut but my XXXX  is registered in the XXXX where the closest location is in XXXX XXXX. I came in and attempted to open an account with all of the necessary documents, the articles of incorporation, tax id, personal I.D . ect. And the manager made me feel like a criminal, he said he drove by my house everyday on the way home acted as though my docunentation was not enough and began ask me for additional proof of address and proof of homeownership like tax records to which I replied that it's public record he also mentioned something about we do not open accounts because people want to, that's when I had enough and told him well maybe I don't want to anymore, i asked for his card and told him what I just experienced here is discrimination and your going to regret it and left.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: CITIBANK, N.A.
State: GA
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:
I was past due with my payments due to COVID XXXX in XX/XX/2020. Citi approved a payment deferral of two billing cycles on XX/XX/XXXX. I still made the minimum balance payment in XX/XX/2020 for the following billing cycle. On XX/XX/2020 I checked their app for additional payment before my due date and the app showed that I had already made a payment so no payment was due. I was still charged {$40.00} for a late fee. Then collection phone calls started from the company at least twice a day every day. 
On XX/XX/XXXX, I made another payment before the due date of XX/XX/XXXX for the minimum balance due. Yet on XX/XX/XXXX I was hit with another late payment fee for {$40.00}. 

Today, XX/XX/XXXX, I spoke to at least 4 different Citi employees who each gave a different excuse for the fees although I paid the minimum payments as reflected in the app. 

Instead of billing for the missed payment in XXXX as part of the minimum payment due, they have it billed separately as an optional payment and then are charging a late fee for that payment. I have closed the account but this is clearly unethical billing and fee charging. I'm paying my balances as stated but still getting charged and the agents act as if this is normal.

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 2023-11-10
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
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: Account status incorrect

Complaint:
I am refiling this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. On XX/XX/2023, I submitted a dispute to your company regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation