BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
From XXXX to XXXX my bank of America account, I never present any type of setback, I never carried out any illegal action, I had my credit cards up to date, I properly used my personal account. 

In XX/XX/XXXX I was notified that my bank account and all accounts related to me would be closed, without any reason or explanation, that account only made transfers by XXXX, air transfer, and personal expenses related to me and my family. 

I was notified that I can not reopen an account with them without any reason for explanation, and arbitrarily closing my account, where at no time is any irregular action present. 

For the date of XXXX, I was never notified that making use of the XXXX was a violation of the bank 's rules. So I would like to know if I could solve this problem with the BANK OF AMERICA bank.

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 2023-06-29
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Citi is charging me interest on purchases at the purchase rate despite me paying the full minimum, plus the purchases made within the statement period, plus even additional payments in some months, for the last XXXX months. They claim it's because I accepted a balance transfer offer at 0 %, however the promotional rate has not expired. According to the payment terms, payments go to the minimum amount first, then to items under highest rates. However, even when I make payments OVER the minimum payment, plus the charges subject to purchase interest, somehow there is a random amount each month ( random because Citi can't seem to explain each month how that number is determined ) subject to new purchase interest on my statement. I called Citi about this over the last five statements I received with interest charges. First I was told to make the minimum payment to stop interest. The I was told to make a minimum plus new charges payment. Then I was told there was some previous purchases never paid. And now they are saying to just stop making purchases to avoid interest. They clearly are being deceptive and don't understand their own system and policies, because they provide me inconsistent responses, but continue to charge me every month.

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 2018-12-10
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2018 I submitted a challenge letter to Experian in regards to negative items being reported to my credit report. Per FCRA they are to investigate every letter sent to them. As of XX/XX/2018 they have failed to investigate these items and because it has been more than 30 days they are to delete them. On XX/XX/2018 I have sent another letter for those same items and they have not till this day done anything with that letter. I demand them to delete all negative items that are listed on my report for failing to investigate said items. 
Due to the obvious yet significantly INCONSISTENT and or INACCURATE and or incomplete reporting of the claimed derogatory event against me, I am notifying you of my enacting of consumer right to CHECK for : 1 ) physically verifiable document VALIDITY 2 ) physically verifiable evidence of COMPLIANCE OF REPORTING 4 ) testimony attesting to the factual FULLNESS of claim ( s ) truth, correctness, completeness, timeliness, ownership, responsibility, compliance to all applicable reporting regulations/laws/or standards AND the CERTIFIABILITY of the aforementioned FURTHER, Due to the obvious yet significantly incomplete reporting of the claimed derogatory event against me, I am notifying you of my enacting of consumer right to CHALLENGE the claim ( s ) : 1 ) based on MISSING aspects of CERTIFIED COMPLIANCE 2 ) based on DEFICIENT aspects of CERTIFIED COMPLIANCE 3 ) or based on ANY OTHER questionable aspect of COMPLIANT and CERTIFIED PERFECT REPORTING LASTLY, Per federal laws, VALIDITY of claim MUST be perfectly TRUE & CORRECT, and to REPORT the VALID and VERIFIED derogatory claim MUST be perfectly COMPLIANT " as reporting WHEN REPORTED ''. ANY deviation from that minimal criterion of validity or reporting compliance makes retain the derogatory data unethical and unlawful and gives consumer legal grounds to DEMAND immediate and permanent removal, so DELETE your unjust and injurious claims versus me NOW! ''

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 2021-05-24
Company: ADIR INTERNATIONAL LLC
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX XXXX was notified by phone app ( XXXX ) that a hard inquiry had been processed by XXXX Purchase was completed XX/XX/XXXX. Tried call the finance company ( Curaao Finance, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ca XXXX ). No message could be left as to phone was disconnected. Tried for 2mo. To remove via Credit bureaus, filed Police report with XXXX XXXX Police Dept. ( # XXXX XXXX somehow they managed to change reported address while applying for credit. Now it is XXXX and am in contact which Curaao Fraud Dept. via mail because I still can not seem to speak to a representative??? For the record I have lived in XXXX California my entire life and at my current address since XXXX. Any help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing a letter to you to ask that a lawsuit was filed against Mr. Cooper [ Nationstar Mortgage XXXX  XXXX Mr. Cooper ( XXXX ) XXXX on XX/XX/2021 and served on XX/XX/2021, howcome you guys are so careless that you haven't responded? ( Please see the attached lawsuit in Exhibit XXXX ), also see proof of service in Exhibit XXXX Within XXXX business day let me know why you haven't responded to the lawsuit. 
thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: U.S. BANCORP
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 XX/XX/2018, I spoke with XXXX in the deferment department to set up a payment extension, and I was denied an extension because I was not working. Therefore, I asked to speak with a Supervisor XXXX XXXX. XXXX XXXX told me yes I qualify for an extension because it ' been over a year that I have paid my car note. However, because I am not working he will not give me an extension. 

Because of this errant handling of my request, they are definitely breaching my contract which states I am eligible for a extension because my account has been active for a year.

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 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with 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.

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 inructions 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 2023-03-21
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: 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. 


Bank XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDUXXXX XXXX DEPT OF EDU/XXXX XXXX DEPT OF EDUXXXX XXXX DEPT OF EDUXXXX XXXX DEPT OF EDUXXXX XXXX XXXX DEPT OF EDU/XXXX XXXX DEPT OF EDU/XXXX XXXX DEPT OF EDUXXXX XXXX DEPT OF EDUXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXXXXXX 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 2023-07-10
Company: EQUIFAX, 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:
I informed XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , However, they stated everything was complete and accurate. But is that possible if the open date, date of last activity and much more is incorrect. According as stated in 15 U.S.C 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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 : 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

In fact they ARE NOT even in compliance with metro 2 credit reporting. I do have evidence to prove and bring forward to prove my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX and Experian reporting incorrect information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/21 The reporting of the late payments, term length, amount due amount of loan paid are all reported inaccurately. Due to the inaccuracy of the reporting please remove the reported late payments on the account That the late payment reporting be removed based on the inaccurate information provided by Experian XXXX and XXXX. Under consumer law code 1681e a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Please note that the reporting across all three bureaus is in accurate regarding the term length the amount due and past due amount and late payments are all inaccurately reported. Therefore Id the have the reported late payments to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dovenmuhle Mortgage company provided Loss draft procedures for the disbursement of insurance funds due to hurricane losses. The procedures state that 90 % of the TLP will be disbursed to the individual within 5 business days of receipt of the requested documentation. I provided the documentation via USPS Priority mail ( signature required ), however, the company failed to co0mply with the 5 business day requirement and advised me that they had 5 business days to enter into the " Disbursement process '' within their company. I had contractors scheduled to begin work based on the information provided by the mortgage company, however, their failure to comply with their own procedures resulted in delays and penalties to me. 

Spoke with supervisor XXXX on the phone who offered no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Ive called to TD BANK my bank to resolve the {$3.00} ATM fees my bank TD BANK was charging on top of ATM {$3.00} fees I was charged my bank did not disclose those charges opening the account over 10 years ago in the phone calls a couple were refunded to my account but still keeps happening. Ive never been charged from my bank TD Bank for non TD Bank ATM fees this just started to happen this year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-23
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Information belongs to someone else

Complaint:
I have tried to tell each credit bureau that my collections accounts are identity theft and fraud it has caused me alot of issues getting credit and nothing has been updated. I feel like i have been treated differently due to that incorrect information because the incorrect information that keeps being reported. I have filed claim with attorney general and fair act reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filled a dispute in regards to the incorrect information on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter on XX/XX/2022, to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2023-03-16
Company: Cash Advance Centers of KY, Inc.
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I totaled my car with my kids and needed to get a new car asap, so told them of the situation and didnt seem to care or want to work with me. The next communication I got from them, they threatened me with a felony and taking me to court instead of working it out with me because of my traumatic experience. They were always rude and tried to put up with it and this broke the camels back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Synchrony bank provided misleading information during my application process on 3 different occasions. Synchrony willfully and knowingly did not provide clear and conspicuous terms which led me to make an uninformed decision.

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 2021-11-22
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have this collection on my credit reports I have tried to get them removed but it has not happened. This debt is not mine and never was I would like it removed as soon as possible. This is on all my credit reports and is not mine. 

XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$1100.00} Overview You've paid off 0 % of your collection amount. 

Balance {$1100.00} Highest Balance {$1100.00} Opened XXXX XXXX, XXXX ( 1 yr, 10 mos ) Account status Open Type Factoring Company Account ( debt buyer ) Responsibility Individual Account. 
Remarks Consumer disputes this account information Collection account Original Creditor Name XXXX XXXX XXXX XXXX Closed No Info

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I request that you conduct a thorough investigation into this account and promptly remove them from my credit report. These accounts do not belong to me, and their presence is negatively affecting my creditworthiness. Additionally, I would appreciate it if you could provide me with a copy of my updated credit report once the investigation is complete, reflecting the removal of the accounts. Please find below the details of the account : XXXX  XXXX XXXX. Please delete this account ASAP.

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