BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-26
Company: CITIBANK, N.A.
State: FL
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 signed up with AAdvantage Citi Card executive because I was on an XXXX  Flight and the flight attendant said they had a great promotion going on and what caught my attention was 2 things, I would get access to admiral club and I would not have to pay the {$450.00} fee because I am in the military. So I signed up. Shortly after I still got charged and tried to fight it and gave all the supporting documents, but they said the flight attendant was wrong and they do not waive the fee. They said I have until XX/XX/2020 to change to a none fee credit card so I do not get charged again. What is even worse I could not even use the services I paid for because they shut down the clubs. I switched the cards as I was instructed and they charged me again another {$450.00}! A total of XXXX and I still can not use any of the services even though I did not agree to it. I already paid the {$450.00} once I will not pay it again.

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 2022-05-20
Company: EQUIFAX, INC.
State: WI
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 : U.S Bankruptcy Court account # XXXX have violated my rights. 

XXXX XXXX XXXX account # XXXX have violated my rights. 

XXXX XXXX XXXX account #

XXXX h ave violated my rights. 15 USC 1681 section 602 A. states I have the right to privacy. 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
XXXX  found the 2 acccounts of XXXX XXXX XXXX  # XXXX to be inaccurate and removed the item on XX/XX/2018. XXXX XXXX XXXX # XXXX was removed during their investigations as well. I provided and disputed mulitple times with both XXXX and Equfiax aski

ng for the proof of what documents they are using to verify the information on these accounts and to provide such proof to me otherwise these accounts MUST be deleted. Neither complied therefore resulting in 2 plus years of bad reporting affecting my credit. I asked for Method of verification and it was not provided. There is multiple violations of my rights as of guidlines of the FCRA credit reporting act. Please see attach proof of deletion from XXXX  and disputes, complaints, and credit reports from XXXX  and Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Experian Information Solutions Inc.
State: OH
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:
Using various Metro2 and E-Oscar compliant-software I have identified dozens of anomalous, defamatory, erroneous, and inconsistent Accounts, Inquiries - hard and soft, Payment data, and personally identifiable information on every credit file bearing my name, and Social Security number .

I understand full well that Metro2 and E-Oscar are industry protocols created by the nonprofit organization XXXX XXXX, and not a creation of the Congress of the united States of America. 

I am demanding XXXX and its member organizations STOP engaging in deceptive trade practices and immediately VERIFY as Metro2-Compliant or DELETE all anomalous, defamatory, erroneous, and inconsistent Accounts, Inquiries - hard and soft, Payment data, and Personal & Employment Identifiable Information on every credit file bearing my name, and Social Security number . 

You have 24 hours to e-mail me the results of your Metro2 and E-Oscar verification processes and protocols and list of eligible deletions.

If you choose to continue on this path of negligent and willfully defamatory reporting, I will invoke every measure afforded to me by the FCRA ( 1970 ) 15 USC 1681 et seq, TILA ( 1968 ) 1601-1667f, and RICO ( 1970 ) 18 USC 1961-1968 .

Subject : *Metro2 Compliance Check and Verification or Deletion* Using various Metro2 and eOscar compliant-software I have identified dozens of anomalous, defamatory, erroneous, and inconsistent Accounts, Inquiries - hard and soft, Payment data, and personally identifiable information on every credit file bearing my name, and Social Security number.

I understand full well that Metro2 and eOscar are industry protocols created by the nonprofit organization XXXX XXXX and not a creation of the Congress of the united States of America. 

I am demanding XXXX and its member organizations STOP engaging in deceptive trade practices and immediately VERIFY as Metro2-Compliant or DELETE all anomalous, defamatory, erroneous, and inconsistent Accounts, Inquiries - hard and soft, Payment data, and Personal & Employment Identifiable Information on every credit file bearing my name, and Social Security number .

You have 24 hours to e-mail me the results of your Metro2 and eOscar verification processes and protocols and list of eligible deletions. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX all are in violation and the updated information is missing information and you are to now remove all of these account off my report within 24 hours

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 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 : U.S Bankruptcy Court account # XXXX have violated my rights. 

XXXX XXXX XXXX account # XXXX have violated my rights. 

XXXX XXXX XXXX  account # XXXX have violated my rights.

15 USC 1681 section 602 A. states I have the right to privacy.

15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instruction

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 2022-05-20
Company: Experian Information Solutions Inc.
State: OH
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 have send letter numerous times to the 3 Credit Bureaus to check and to validity these account that are been reporting error, inaccurate and incomplete credit information. I been asking for Re-Investigation over again

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 2023-01-17
Company: Experian Information Solutions Inc.
State: OK
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$27000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Dear Regions, I have been a customer now for two years leading into three. My account has been affected in overdraft charge fees for XXXX. Ive had to call multiple times in order to understand the reason for those charges. I am a fan of Regions, however, I have thought about leaving and going to another bank because of this same reason. Ive had to change stipulations on my account and became upset with Regions employees because of charges made on my account. I had no idea that top Regions officers were making those illegal charges to accounts and my account just so happened to the affected by it. 

Sincerely, 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 2022-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Capital one has failed to put an effort to actually resolve my dispute, they have never mailed or e-mailed me a request to send out an evidence to support my claim, and have concluded the charged made on the wrong item I received is valid. Claim number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
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:
NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, State Zip : XXXX, Il XXXX Email Address : XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Cloarly states that 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 an account without my written Instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Crodit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: NJ
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:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Some one acquired my information and open an account with bank of america. used the card for years made payemtns and ran up the balance past the actual credit limit

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 2023-08-08
Company: V and H Portfolio
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I checked my credit report and saw a new collection was being reported in the amount of {$2700.00}. The collection agency reporting the debt is Vance & Huffman. 

The credit report shows the original debt being owed to XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX on XX/XX/XXXX and discovered that a loan had been fraudulently applied for and approved under my maiden name. XXXX XXXX XXXX approved a loan and electronically submitted this loan to a checking account at XXXX XXXX XXXX on XX/XX/XXXX. The address used was my former address and the phone number used was also fraudulent. I have not lived at the address used since XX/XX/XXXX. 
I have not used the last name being used on the fraudulent loan since XXXX. I also did not have an account with XXXX XXXX in XXXX. I contacted XXXX XXXX on XX/XX/XXXX and their customer service was unable to help me. XXXX XXXX XXXX referred me to the collection agency Vance and Huffman, which advised me they would need a police report, Federal Trade Commission XXXX. I submitted this information on XX/XX/XXXX and the remaining information on XX/XX/XXXX. I contacted Vance and Huffman on or around XX/XX/XXXX and was told by the representative that it would take up to 90 days for Vance and Huffman to complete their investigation. I had also previously disputed this charge with the major credit reporting agencies. I did not receive correspondence from Vance and Huffman during their investigation period. 
However, I received a letter on XX/XX/XXXX dated XX/XX/XXXX from Vance and Huffman. The letter was a request for payment in the amount of {$2700.00}. I contacted Vance & Huffman on XX/XX/XXXX and was told by XXXX of the agents that because they received a new dispute from me that everything has been " reset '' and to please not dispute again, as they have restarted their investigation. 
This situation is impacting my credit and I DID NOT apply for this loan. I am not sure why the Lender XXXX XXXX XXXX  would send funds to an account that clearly was not verified. I do not understand why XXXX XXXX XXXX would accept electronic funds to a fraudulent checking account. This account did not bear my name. I have done all that has been asked of me, as this is a case of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-20
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX Account # : XXXX, XXXX XXXX Account # : XXXX, XXXX XXXX  Account # : XXXX, XXXX XXXX Account # : XXXXXXXX XXXX  Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account # : 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

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 2022-02-08
Company: MOHELA
State: VT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
When I filled out the online form for seeing if I qualified for student loan forgiveness, I found out that MOHELA is claiming that I have made no qualifying payments, yet my loan is decreased by more than {$2000.00}. I make my payments early every month and more than the required amount. I even had a few payments ( like 6 ) made by an employer of more than 2 times the required amount on top of my monthly payment. I have been paying through the forbearance time period and still it says no qualifying payments. I have tried to call numerous times and no one will answer the phone. I am on forever hold and if it does get through, I get hung up on. I filled out an online help ticket and the only response I got for help was a cancellation or closing of the ticket I generated. Why are none of my payments " qualifying '' and if it is so hard to have your payments " qualify '' by their standards, then the early loan forgiveness plan for public service people is a farce. I'm a nurse, I have always worked in small, critical access hospitals. I should qualify. Honestly after the last two years, these student loans for nurses and medical professionals should be 100 % forgiven now... 

Thank you for your help. Sorry for the angry tone, this has been a frustrating endeavor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My original complaint about Bank of America ( BoA ) was closed prematurely by CFPB with no response from BoA and the issue is still unresolved. 

My original complaint about BoA : I was based and worked in XXXX XXXX  for XXXX from XXXX until my retirement in XX/XX/XXXX Before I left XXXX, I cleared ALL my debts and closed all my accounts including credit cards at Bank of America. However, despite asking that all my accounts to be closed and " allegedly '' closed, I discovered In XX/XX/XXXX that BoA is still charging my accounts with monthly " bank fees ''. In XXXX I spent close to {$100.00} in phone calls to BoA customer service to ensure that my accounts were closed. They allegedly " reversed '' these fees stating that was an automatically generated " system issue '' and that they would pass on the information to the appropriate department. I refuse to spend any more money contacting BoA due to their lack of customer service, diligence and banking compliance. I am now back in XXXX XXXX since XX/XX/XXXX and discovered that BoA has been charging my allegedly " closed accounts '' Monthly bank fees for XXXX and XX/XX/XXXX. ( refer to attached Screenshots and copy of email ) In my bank account, it has an overdrawn account balance of - {$24.00}!! In my case, they are deliberately " failing '' to close my accounts. I have already sent by mail XXXX official letters to close the accounts. Although being in XXXX XXXX I could " ignore '' them. However, I would do so at my own peril. Left unchecked, these unpaid bank fees will eventually attract default payment fees, referral fees to bailiffs and the likes eventually Courts fees added to the lot with a warrant to arrest should I ever put a foot in the XXXX ( or even transit via the XXXX ) with the outstanding amount totalling thousands of XXXX Dollars for XXXX individual. I would be grateful if your office could address and expose the bank 's rot at the expense of the average consumer. Thank you for your time and consideration. 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 monetary relief