BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-02
Company: EQUIFAX, INC.
State: TN
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 written and verbally contacted Equifax many times via certified letters and long phone calls requesting them to delete XXXX addresses that are not mine : XXXX XXXX XXXX, XXXX, SC XXXX, XXXX XXXX XXXX XXXX,, XXXX XXXX XXXX, XXXX, SC XXXX, XXXX XXXX XXXX, XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX, To the best of my knowledge, these addresses belonged to my father who had the same name and who died in XXXX back in XX/XX/2021. I have been very patient with XXXX expecting them to remove these detrimental mixed addresses but recently it has come to my attention, by the XXXX police, that these addresses were involved with Identity Thief activities in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX I scheduled a payment from my Citibank Online checking account to pay my Citibank XXXX balance of {$1200.00}. 
At first, I scheduled it to happen on XX/XX/XXXX, but then decided I wanted to change it to XX/XX/XXXX, and changed it online. 
I then received XXXX emails from Citibank : one showing the payment confirmation for XX/XX/XXXX, and another showing a scheduled payment for XXXX. So I called I immediately called the number on the back of my Citibank XXXX, and was ASSURED by the person I spoke to that there would only be one deduction, not two. 
When I checked my account this morning, I found that in fact the {$1200.00} was deducted twice. 
I called the Citibank card number again, and was told that the credit card department could only offer me a credit towards my future balance, or mail me a paper check. I'd like that money back now, and hoping you can help.

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 2022-07-07
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a current homeowner, who closed on my first home XX/XX/XXXX. I was excited. However, in XX/XX/XXXX, I lost my job and was crushed! Since then I have struggled to make payments. I have been in contact with the servicer which is XXXX. However, they have not told me of any assistance to prevent my foreclosure from happening! In addition I have applied for THAF program. However, I am not able to get answer there either on approved status and it's been 30 days already. Can someone please assist me in getting an answer on if I have been approved for assistance and if there is something my servicer can actually do to help me please?

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 2023-10-24
Company: OneMain Finance Corporation
State: AL
Product: Credit reporting 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:
I knew about Onemain to pull my credit report one time but not the two other times I saw that it was reported three times in a row

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: National Credit Adjusters, LLC
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:
I sent my first dispute letter dated XXXX XXXX XXXX XXXX, XXXX and XXXX stating that I never had a contract with this debt collector for any debt pertaining to National Credit Adjusters. Please provide proof from the original creditor that this debt collector owns this debt and has legal authority to collect it or delete this account. 
I received a letter from National Credit Adjusters dated XXXX XXXX stating that they received my written dispute. They also stated that the investigation may take more than 30 days. Also, they will cease all collection efforts. I also received an email from XXXX pertaining to the dispute pertaining to National Credit Adjusters. I logged into my XXXX account and read that National Credit Adjusters has certified to XXXX that the information is accurate. This item was not changed. My question is who is telling the truth. XXXX respond very quick stating that this item was not changed. But National Credit Adjusters needs more time to investigate. To sum it all up National Credit Adjusters fail to provide to provide proof from the original creditor that they have legal authority to collect this alleged debt and to continue to report to the CRA 'S. From the time National Credit Adjusters sent me their response letter dated XX/XX/2022, it's been over 7 months. Enough time to provide the information that I'm requesting. XXXX XXXX, XXXX and XXXX failure to properly investigate my request instead, verified my dispute as Accurate. Verifying information and requesting a debt collector to provide proof that they can collect on a debt and to produce a contract, is two different things. Please refer to the attachments to read the entire complaint. I am requesting that this account be removed from my credit report, and I am seeking monetary damages in the amount of {$1000.00} per violation from National Credit Adjusters in failing to produce information per consumer request in a reasonable time by law. And all 3 three credit bureaus : XXXX XXXX, XXXX and XXXX failure to properly investigate my request instead, verifying my dispute as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: EQUIFAX, INC.
State: ND
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 requested my credit report from Equifax in XXXX of 2020. I was denied. I called Equifax customer service and was told my social security number does not match the information on file and they can not share any information with me. I was told to fax documents in order to verify my identity. I have sent my documents multiple times and am always told no documents have been received. I then received a letter in the mail from Equifax stating they were unable to locate my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
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:
XXXX XXXXXXXX XXXX XXXX XXXX. is incorrectly reporting a 30 days late payment on my credit reports ( to all three credit bureaus ) since XX/XX/. This is a complete error on their side and they are failing to correct it. I attached my credit reports and you can see that I have a perfect record, never once missed a payment in my entire life and I have paid my accounts on time since I have a credit history in the United States ( 19 years ). You can also see the error which is the late payment report by XXXX XXXX XXXX XXXX XXXX. for XXXX XXXX 

According to the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX  should remove incorrect and inaccurate information from my credit report. I have contacted XXXX XXXX XXXXXXXX XXXX XXXXXXXX, spent hours over the phone and their representatives are completely unhelpful and unwilling to fix their error even though they acknowledged that this is an error on their part. They acknowledge that I paid on time on XXXX XXXX the information reported is a complete error and yet they not doing anything about it. 

This error on my credit report is costing me, my wife and XXXX XXXX XXXX  massively as we are getting a mortgage and our rate would be unjustly affected by this. The whole situation is unfair and devastating. 

The scary thing is that this would have gone unnoticed if we were not applying for a mortgage and nobody would have deleted this incorrect information from my credit file.

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 2018-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2018, a charge was made to our credit card in the amount of {$2100.00} from a XXXX XXXX store in XXXX XXXX, WA. I called and filed a claim. Bank of America assured me they would give us provisional credit and to deduct that amount from our XXXX payment, which I did. I called the XXXX XXXX store and spoke with their bookkeeper. She faxed over documentation ( purchase order, invoice, receipt and sign pick up slip ) to our local XXXX XXXX store in XXXX, WA. It was clear from the paperwork that a contractor, XXXX XXXX XXXX, fraudently used our credit card number to order a XXXX generator. He used his phone number, signed his name, but used our name and address to order it ( misspelling both ). 

I forwarded this information to Bank of America. A few weeks later, we received notice that the dispute was closed and we were required to pay the money. 

I called again to complain that this was an obvious case of fraud, with proof. They reopened the case, gave us provisional credit, and again asked for documentation to be provided by XX/XX/XXXX. I went to the local Bank of America branch to fax the papers on XXXX XXXX. That same day, they charged our account for the original purchase amount, even before they had a chance to review the documentation we sent over. 

I called Bank of America today and they said they would look into it, but then they hung up on 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 monetary relief
Consumer complaint received 2023-10-25
Company: WELLS FARGO & COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX at around midnight I participated in online gambling via XXXX XXXX and XXXX app. I won and requested a transfer of {$200.00} into my account. When I woke up on XX/XX/XXXX at XXXX I checked my account and the funds had been successfully transferred into my Wells Fargo account. I used my card throughout the day with no issues. On XX/XX/XXXX I got an email that my account was overdrawn. I checked my account and the {$200.00} had been removed. I contacted my bank who told me they had no trace of the deposit and XXXX XXXX and XXXX canceled the deposit. I contacted XXXX XXXX and XXXX and they sent me documentation showing it was approved on their end and closed out. They stated they do not have the option to cancel transactions after they are processed. I called Wells Fargo again and they said there was nothing for them to do or investigate. {$200.00} of my money is missing and neither company is trying to help me. I had to borrow money to make my account current and that is not fair because I had money. Fraud is taking place and I need help.

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
The account I am reporting is factually listed on my credit report incorrectly. The bureau is reporting file # XXXX, / Acct # XXXX, Original creditor XXXX XXXX, as a Auto Loan. This account was a Credit Sale Agreement. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file immediately. 
In addition, In accordance with the Fair Credit Reporting everything on my credit report has to be 100 % accurate. The Credit bureaus stated my account was properly investigated but how can that be possible when the balance on the count mentioned below is not accurate. This is grounds for immediate removal of this account from my report. Also, for the following reasons, my rights have also been violated : 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 an account without my written instructions. 15 U.S.C 1681 c ( a ) ( 5 ) states ; no consumer reporting agency may make any consumer report containing any of the following items of information. 
I did not give any agency permission to share my personal information with XXXX XXXX XXXX. 
According to my credit report, the above account was noted as an repo. How can XXXX XXXX, report late charges for a vehicle they sold at auction? This is also, grounds for deletion of this account on my credit report.

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 2023-10-24
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
ARS ACCOUNT RESOLUTION Account # XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: NC
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX & XXXX XXXX XXXX XXXX XXXX/XXXX/202

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 2023-01-12
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 explanation
Consumer complaint received 2023-10-23
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased two gift cards to make an online purchase on XXXX. The cards will not work. Called customer service which directed me to call the number on the back of the card, which is an automated call and basically directs me to try the card somewhere else. I purchased these cards specifically for this purchase and would like my money back. I called XXXX and they said the payment keeps getting rejected for some reason, I also tried through XXXX with the same result.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-17
Company: CNG FINANCIAL CORPORATION
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been called repeatedly about a payday loan that has not been validated. The collectors have called my phone, my relatives, and a place I do not work at. I told them to validate the debt which they could not or file their case. The calls are still happening. They called today stating a case was being filed against for fraud. The only information I was given was the company name is check n go or check into go or something like that. The phone numbers involved are XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions 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 XXXX XXXX XXXX  XXXX XXXX XXXX have 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 2023-05-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX Bank of America took over {$1100.00} out of my account with no notice in any way by allowing someone named XXXX XXXX to make fraudulent XXXX claims that he didn't make transfers to my account in XXXX XXXX. This almost caused me to get evicted. Bank of America also made it extremely difficult ( over 10 hours on phone in 1 week ) telling me non stop that I will not get my money back, finally someone allowed me to send in text message proof. This person ( XXXX XXXX ) made claims of over $ XXXX between myself and 2 other people due to him losing his job and essentially making tons of false claims to try to get as much money as possible. I luckily had text message proof that I provided to get my funds back. Once I received my funds, weeks later in XX/XX/XXXX my account was frozen for 5 days around XX/XX/XXXX leaving me stranded with NO MONEY also causing tons of NSF/Returns from outside merchants. One in particular was my XXXXXXXX XXXX XXXX XXXX. It was closed due to returned payments bc of Bank of America 's negligence. I have requested time and time again proof that XXXX requested from Bank of America and they still ignore my requests and refuse to assist.

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 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
I sent a letter to the company to correct or remove the account. 

I had the Credit Bureaus contact the company to remove the balance or remove the account in full. 

I know according to the FCRA I have a right to the following : Dispute incomplete or inaccurate information in your report. and Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. Im very unhappy at the fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account.

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 2022-05-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was charged by USAA for a fee because a payment came on the SAME DAY, and AFTER THE PAYCHECK was in there. 

I feel like they are picking on people with XXXX XXXX XXXX, like XXXX. Funny, since they serve a ton of veterans. 

I also have had them deduct two fees for my employer checking if my bank account was working.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check in my account on XX/XX/XXXX and i was informed that the funds would be available on XX/XX/XXXX. I went to the bank on XX/XX/XXXX and i was informed that they could not link the attorney who issued the check to his law firm. I was informed by Capital One Bank that there was a restriction on my account and they could hold my funds until. Today is Tuesday XX/XX/XXXX the bank has been holding my check for over a month and they stated they don't no when it will be released. 

PLEASE HELP ME?

Company response to consumer: Closed with explanation