BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX a full time college student and had gone out of the country for school breaks and couldnt come back in time because I tested positive for XXXX while I was out of school. As a result, I missed my credit cards payments with Bank of America and XXXX XXXX. I also missed a balance assist loan payment with Bank of America. I could not contact them because I was out of the country and not feeling well due to XXXX. 
I recently got back to school and contacted them via phone to explain the situation and kindly asking them to remove the late payments on my file. I assured them that I plan to repay my loans in 4 days time. However, they said they could not remove the late payment reported to the credit beuareus. My credit score has been heavily hit by those late payment reports. So Im trying to kindly get the late payment reports removed from my credit score. 

Im attaching a screenshot of an email send by the provost of my college to all my professors excusing me from moving back on campus during the time I had XXXX and out of the country.

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 2023-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
I bought a ticket for my daughter from XXXX XXXX. The XXXX XXXX ticket representative was unable to connect her ticket to XXXX XXXX. She told my daughter that she refunded the ticket, and that I will received a refund in three days. I called XXXX XXXX after three days, they told that their system is not working but I can call my bank to get a refund. Capital one denied to give me a refund after opening two claims. the amount is {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: CITIBANK, N.A.
State: MA
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:
Citi bank has been lowering my credit limit on my card. The most recent letter states it was because I dont have the score necessary to maintain the limit due to : negative public records, delinquency, not having credit open long enough etc and that they are using XXXX for my score and it is reporting a score of XXXX as of XX/XX/XXXX. This is not true I have no late papyments, negative public record or negative items in my report. I confirmed with XXXX online and over the phone. They are showing my score as XXXX and per the XXXX rep on the phone yesterday theyre is no way they are getting that low score for you from us there is nothing in your credit report to generate that low score. I have called Citi bank multiple times and they can not or will not give me an answer as to what is driving my score down on their systems or what the negative items the letter references are exactly. At one point an account manager XXXX got flustered with my questions and lied to me saying she was transferring me to the credit department but instead just sent me back to main customer service line. While in the phone at another point with a customer service representative XXXX he stated at one point there was an issue with the system feeding in wrong scores but that should have been fixed and was a while ago. 
I submitted the dispute of the score through Citi but got a letter on XX/XX/XXXX saying everything was accurate without any further details or supporting evidence or documentation. 
My feeling is that there must be some sort of system issue where scores are being mixed up or they are pulling in a similarly named persons score. They stated that the credit lowering process is automated by the system and no one is reviewing it and based on my calls its is sounding like nobody at Citi customer care knows how it works. There looks to be the possibility of it is a system issue to have a greater impact than just myself and the process of them regularly lowering the credit limits to within a few hundred dollars of the outstanding balance that has always been paid in time could lead others to go over their credit limits and negatively impact their accurate score by using more of the percentage of total credit available. It looks to be to be both unfair and deceptive as the score is wrong and they will not give me a complete and supported answer i to what is the cause of it, while trying to just get rid of me on the phones as opposed to giving real answers to find the truth. 

I do apologize for any typos and formatting errors in this write up as I am doing it on my phone.

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 2022-11-04
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage transfer from XXXX  XXXX  to Truist, have tried to get a draft set up and have sent in the form, called NUMEROUS times, I made a paymeny on XX/XX/22 when I saw that XXXX  reversed since they turned it over to Truist, I sent in the form and called and was assured draft was set up but now they are taking out Double saying I told them to which is not the case, I can not get a supervisor to contact me to handle this issue, there are numerous notes in the account. I also have another account with Truist and have for couple of years. I filed a complaint with Truist # XXXX, I asked to have a supervisor call me back to get this straightened out, I worked with more than one individual to do it online and due to being a new acct / Transfer it is not allowing and I do not want to get a late payment with any lender. 

thank you 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 2023-10-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Do to the fair credit report these accounts with department of education/ XXXX should have been removed after 7yesrs

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: Resurgent Capital Services L.P.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Pursuant to 15usc 1692c. ( c ) I am notifying you in writing that this is not my alleged debt and I am demanding that you cease all communication with me through any and all mediums. My credit report is a medium of communication. I am invoking my specified remedy as a consumer, and the original creditor I am demanding the following : Pursuant to 15 USC 1692c. ( c ) ( 2 ) XXXX out the balance on this account Delete the account from all consumer reports Your company can not purchase this alleged debt. However, you can not purchase my information. You are infringing on my right to privacy which is a federal violation. I have the resources to take this as far as needed. I will not hesitate to sue if this is not resolved.Your company also did not send any information regarding this alleged debt to me which is also a violation. Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Netspend Corporation
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I received an email saying that I had signed up for a Netspend Prepaid Account using my email address. ( www.netspend.com ) I tried to log in and reset the password, but this was not able to work for my email address. 

I live in the XXXX, so I am unable to contact XXXX phone numbers on my phone contract so I am unable to call them. 

They are unresponsive in email, and claim that it is a data protection issue to resolve the issue over email, depsite myself explaining that there is identity fraud being used using my email address attached to the account. 

They will not close the account linked to my email address, and when I asked them to call me, they arranged a call, but the call never came.

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 2023-03-08
Company: Smart Finance Inc dba Fishtail Financial
State: GA
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, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I contacted AMEX and provided a copy of my orders and request SCRA benefits be applied to my XXXX AMEX account with a note notifying them I am located in a KP state. AMEX continued to charge interest and did not refund the interest amount and did not recognize me being in a KP state.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There are creditors listed on my credit report that aren't mine.

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 2023-02-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
XX/XX/XXXX I sent all three bureaus a letter to have all my information updated as far as employer, name, address and no updated as been in progress and its almost 30 days since then.

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 2023-03-09
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX I called express asking that my husband XXXX XXXX be removed as authorized buyer and a letter stating that he was removed. I was informed do to a XXXX ongoing system error removing my husband wasn't possible. On XX/XX/XXXX or XXXX a Sr supervisor was finally able to remove my husband XXXX as authorized buyer and I again requested a letter stating specifically that " XXXX XXXX has been removed as authorized buyer from account/card ending in XXXX '' I informed customer care that the letter must state his name specifically so our lender could take it to credit Bureau so we may get our mortgage loan. I have called 18 times since XX/XX/XXXX and spent more than XXXX on the phone trying to resolve this issue. I have even sent messages through express app and I still don't have the letter I need. Comenity has gone as far as to open a dispute claim I didn't request when I told them I would go public with everything they have put me through including when they refused to take XXXX payments ( back in XXXX and XXXX ) so I would be charged late fees. The payment refusal issue had been resolved back on in XXXX XXXX. Something I have since learned from reading reviews is common practice. Comenity.net 's refusal to issue this letter could leave our family homeless as our mortgage won't clear without this specific letter. When calling and asking for this letter comenity sends me a template letter that only says " authorized buyer has been removed '' and I have told them their template letter isn't enough. Now they are trying to drag this out 90days with a dispute claim I didn't ask for. I have received 3 letters all saying " authorized buyer '' has been removed but the letter needs to state " To whom it may concern ; XXXX XXXX XXXX has been removed as authorized buyer from account/card ending in XXXX '' on express letter head. Why they aren't doing this is beyond my understanding my lender says this is standard practice and shouldn't have taken any longer than 72hrz. Can you please help use get this cleared up so we can get our mortgage loan. Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-05
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2019 this office obtained a copy of my credit report and it was a result of fraud. I am a victim of Identity Theft and I ask this office to handle this in a serious manner. I have XXXX XXXX and additionally signed up for credit monitoring services with the credit bureaus and have reached out to XXXX   as well. I have added a security freeze to my credit file to prevent this from happening in the future. I ask this office to complete an investigation and remove this from my report and any fraudulent address, phone number, or any information that does not belong to me that the unknown person used to apply for the account. I reached out to this office only to be transferred to someone who is foreign repeating everything twice or talking about something else other than my name being used. I have even been placed on hold only to be bounced around from person to person and the phone being hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04
Company: Bread Financial Holdings, Inc.
State: WY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XXXX XXXX Account XXXX Comenity Bank I have requested this account to be closed on XXXX XXXX, 2022. I paid the full balance due of {$35.00}. I received a reply from the company on XXXX XXXX stating they will not close my account until the full balance due is paid. I checked my credit report on XX/XX/2022 and the account is open and the company is reporting my FULL credit limit as being due which is false. They continue to charge me {$2.00} per month plus interest. 

XXXX XXXX Credit Account - Comenity Bank I requested this account to be closed on XX/XX/2022. I paid the full balance due. I was told that this account was closed on XX/XX/2022. I checked my credit report on XX/XX/2022 and the account is open and the company is reporting my FULL credit limit as being due which is false. They continue to charge me {$2.00} per month plus interest. 

XXXX XXXX XXXXXXXX XXXX Account XXXX Comenity Bank I requested this account to be closed on XX/XX/2022. I paid the full balance due. I was told this account was closed on XX/XX/2022. I checked my credit report on XX/XX/2022 and the account is open and the company is reporting my FULL credit limit as being due which is false. They continue to charge me {$2.00} per month plus interest. 

This company refuses to close these accounts and continues to charge me {$2.00} per month ( their fee ) plus interest. In addition, they are reporting these XXXX accounts inaccurately to the credit report agencies showing I owe the full credit limit as opposed to a {$0.00} balance and the account was requested to be closed. 

I have filed a complaint with the XXXX XXXX XXXX  and received a " blanket '' response from Comenity Bank ( same response they have given to all their customers with similar issues ) that they are researching my concern. I have filed a complaint with XXXX disputing all three accounts which will remain open until XX/XX/2022. This company is affecting MY XXXX XXXX due to the fact that the unpaid balances are showing up as late. 

After several requests, they refuse to send me a letter in writing that my accounts have been closed. This company does not operate in good faith.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
TRANSUNION LLC, has now committed multiple counts of willful and deliberate non-compliance of the FCRA causing financial injury, harm, and damage, in addition to defamation of the character and reputation of the consumer. 

TRANSUNION LLC, a financial institution and credit reporting agency operating in commerce for profit by assuming the role of assembling, evaluating, investigating, and accurately reporting consumer credit, which includes personal identifying information, has breached its fiduciary obligation and duty to comply with the FCRA by failing to remove Bankruptcy information after notice and instruction from the consumer to cease all furnishing of personal identifying information. This unauthorized use of my personal identifying information constitutes " Identity Theft '' pursuant to 12 CFR 1022.3 ( h ). 

A " Notice of Identity Theft '' with all required documentation pursuant to the Fair Credit Reporting Act section 15 USC 1681c-2 was delivered to TRANSUNION LLC XXXX XX/XX/2022 @ XXXX by way of XXXX XXXX XXXX Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX thus requiring the referenced information to be removed or blocked no later than 4 days after delivery. This notice included both an " Identity Theft Complaint and Affidavit '' and a " Law Enforcement Report '' ( FTC Report Number : XXXX ) as required by Law. 

TRANSUNION LLC, has obtained possession of my personal identifying information from its subsidiary company " XXXX XXXX XXXX XXXX '', and is currently furnishming information without specific written instruction, consent, authorization, or permissible purpose, violating the consumers unalienable right to privacy in violation of 15 USC 1681b ( a ) ( 2 ) and 15 USC 1681 ( a ) ( 4 ).

TRANSUNION LLC shall now be held civilly liabile with the consumer demanding monetary compensation for the following acts of non-compliance : 1. ) FCRA 15 USC 1681c-2 - Failure to Remove Information Resulting from Identity Theft 2. ) FCRA 15 USC 1681b ( a ) ( 2 ) - Failure to Meet requirements of Permissible Purpose 3. ) FCRA 15 USC 1681 ( a ) ( 1 ) - Failure to Report Accurately and Fairly 4. ) FCRA 15 USC 1681 ( a ) ( 4 ) Failure to Respect the Consumers Right to Privacy 5. ) FCRA 15 USC 1681c ( a ) - Failure to Exclude Bankruptcy Information From Report 6. ) FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) Reporting Information Factually Inaccurate 7. ) FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( B ) ( i ) Reporting Information After Notice of Inaccuracy 8. ) FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( A ) Reporting Information With Knowledge of Errors

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