BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-28
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I opened the credit card for Goodyear ( through Citi Bank ) on XX/XX/2018 when I got a job done for {$630.00}. The account was immediately opened and I was able to use it then. This was the only time I used this card. They were supposed to send me a physical card, and when I did not receive it in 6 weeks I called and found out my balance was over {$1200.00}. I live in Florida, and there were two charges made in XXXX, KY where I had previously lived. There was a cash advance ( Im unsure of that exact date ) and then a service job done for {$660.00} done on XX/XX/18. The company had send my physical card to an address that was never on any applications, and one that I havent lived at in over years, in a completely different STATE than where I was/am currently residing in. After I found this out I immediately opened a fraud alert and then made a police report. I told the company the only purchase I made was on XX/XX/XXXX and all others were fraud. I had to open a fraud case 3 separate times with this company ( that they kept denying ) until the last person said there was nothing they could do, and that I was responsible for the charges. Now, the company keeps charging me outrageous interest and fees, and god knows what else, and my original balance of {$630.00} is now at {$2500.00}. I sent a letter to the Billing Department about 3 weeks ago ( week of XX/XX/XXXX, I believe ) and have not heard from them.

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 2023-04-12
Company: EQUIFAX, INC.
State: LA
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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: EQUIFAX, INC.
State: CT
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXXXXXX Balance : {$440.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$440.00} ; XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. These items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX Original Creditor : XXXX XXXX CO ) XXXX Balance : {$350.00} ; XXXX XXXX XXXX ACCOUNTS ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$580.00} ; XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX XXXX XXXX {$140.00} ; ; XXXX ONEAL XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXriginal Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$250.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$88.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX, XXXX showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these inaccurate address, Inaccurate names, Inquiries and accounts as soon as possible.

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 2022-12-15
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
My account was fraudulently charge {XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called the bank but they have never investigated the account. And now charged me interest fee, even though my bank account is charged in full. I spoke with someone called XXXX, who is supposed to be a supervisor but hang up on me without answering any questions.

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 2019-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, I was scammed on the internet, the scam began in mid XXXX involving a lease agreement. the dates of the transactions are XXXX XXXX I used Capitol One to transfer money through XXXX ( I have the email address I sent the money through ) I transferred {$2100.00} to a person and soon after I realized I was being scammed. I called my bank immediately to try and stop the charge but it was too late so put in a claim, to which they denied because they claimed they " did their job '' by transferring the funds through XXXX. I filed a Police Report with the XXXX police department today, I can provide a report number if needed. I called my bank back to file a new claim today with the police report number, but the claims department told me they couldn't help me, no one in the department could because Capitol One and XXXX claim no responsibility for scams or having their customers backs. They offered me no other recourse except with the police. I asked to speak with a supervisor and they stated they would tell me the exact same thing. And XXXX would tell me a similar thing. I also put in a claim with the Federal Trade commission and received an email back with links to online shopping ( not helpful ) At this point this is my last ditch effort to get any or all of my money back I lost during this scam. So at this point my bank told me they can't help me, XXXX can't help me, and the other people that maybe can help is the police department. As a consumer, banking customer, credit card holder etc I am hoping that I can feel protected in some way regards to having been scammed and violated in this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
To night I attempted to contact the three leading credit reporting and I wanted to see if there were rebirthing or hard visited my page and the credit reporting states that they don't place points against you but they do. I want my credit score mailed to my home please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Subject : Request for Removal of Transactions from Consumer Report as per FCRA Dear Sir ( s ), I hope this letter finds you well. I am writing to formally request the removal of particular transactions from my consumer report, as outlined by the Fair Credit Reporting Act ( FCRA ) under section 15 USC 1681a-2 ( a ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; And 15 USC 6802 B ( 1 ) ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Below is/are the details of the transaction ( XXXX ) I demand be excluded from my consumer report : XXXXXXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX XXXXXXXX I believe that these specific transactions should not have been reported on my consumer report, and it is my understanding that the FCRA empowers me to request that these transactions be removed because I was never contacted by your organization to inform me that you may disclose non personal private information to a non affiliated third party, also transactions between the consumer and the person making the report is to be excluded from my consumer report, regardless of its validity. 
According to 15 USC 1681, consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Thank you for your assistance in resolving this dispute. I look forward to a prompt resolution and the correction of my consumer report. 

Thanks,

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 2023-04-12
Company: EQUIFAX, INC.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: WELLS FARGO & COMPANY
State: NY
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2023-12-12
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Our Mortgage company said we didnt have adequate homeowners/hazard insurance and said if we don't show proof they will add it to our payment escrow account. During XXXX I believe 2023 after we added the certificate to their web porter they still added the coverage even though they confirmed that they got it. Many months later in XXXX I get a mail letter saying that soon we need to get another insurance since they added it already. I checked my automatic payment thinking taxes went up on my escrow account payment and discovered they added the insurance even though I proved it and they confirmed it. I called in multiple times with no luck. I called again and got someone and they did say they discharged and that it would take another 30 days and the fees might be less for my refund. They stated they refunded {$880.00} on XX/XX/23 and {$250.00} on XX/XX/23. They said they would have to do another escrow analysis in 1 week of XXXX and then they were not sure the exact refund I would get 5 days after that. They keep telling me different things and different amounts. I think they need to be audited they added this for no reason how can I add interest to my money. They told me they have thousands of customers and it's the holiday and this could happen sometimes. That is unbelievable. Please help

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I have XXXX checking accounts with Regions Bank. My main account into which my direct deposit was paid became overdrawn because i went on unpaid leave and no deposit were going into the account. Because I know there is a time limit to how long accounts can remain overdrawn before being charged off, I called the Bank to ask what my options are since they state that there are hardship options available. I called the Bank on XX/XX/XXXX. The representative told me that I had until XX/XX/XXXX to clear the overdraft or the account would charge off. She said if that happened, I would have to call Collections and make an arrangement to pay. I asked if there was any help that the Bank could offer, and she said no. I had some funds coming in from a parttime job which were about 40 % of my normal pay but it would be just enough to pay my bills. Those funds went into a different regions account that I use to pay my bills. The first of those payments came in on XX/XX/XXXX. Regions debited {$640.00} from that payment which cause a number of my bills to be returned unpaid. I was charged {$250.00} in fees for those payments which were returned. I thought it was an error and was waiting the funds to be credited back to my account. Unfortunately, I had a health emergency and couldn't follow up immediately. The second payment came in XX/XX/XXXX for {$1400.00} and Regions took almost all of it including the fees leaving me with {$2.00} in my account. When I called Regions on XXXX to ask what was happening, I was told that the collections department had taken the funds to pay down the overdraft on the other account. I said that nobody had notified me of this. I was told to call the collections department which I did. The first thing the agent told me was that I owed Regions money and they could take money from any account to pay their debt. She said I could have avoided that if I had set up a promise to pay on the original overdrawn account. I said I was never told that when I called in or I would have done that. I explained that because Regions had taken the money leaving me with only {$2.00} I wasn't sure how I was going to be able to eat. She recommended that I try a local food bank and said there was nothing they could do to return any of the money or the fees. In the meantime, I had incurred another {$250.00} in fees because all my payments had been returned because the money that was in my account to pay them had been taken out. So now both my accounts are overdrawn and I have been charged {$500.00} in fees. I called and asked if the fees could be refunded and I was refunded {$72.00} as a courtesy because the fees were correctly charged.

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 2023-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I ordered a queen bed from XXXX XXXX XXXX. I received the bed a couple of days later and assembled it. When my spouse and I slept on the bed, the footboard almost detached from the rest of the bed frame and the footboard was in a slanted position. I dismantled the bed and contacted XXXXXXXX XXXX XXXXXXXX regarding the issue so I can return the bed. 

The headboard has sharp edges and cut my hand anytime I attempt to dress the bed. Here is a description of the bed per the XXXX XXXX XXXX website : Bring sleek, retro style to your room with our Mid-Century Modern Queen-Size Panel bed. Inspired by the clean lines and modern look of mid-century design, this twin bed brings vintage flair to any space. A combination of solid pine wood and durable melamine make this bed a safe and stylish choice for any bedroom. 

What Kids Will Love : Queen-size bed = more space to stretch out! 
Super sturdy design makes it easy to hop into bed Panel headboard gives great support for reading in bed What Parents Will Appreciate : Sleek silhouette with angled legs and a solid pine wood and white melamine finish creates modern, mid-century style Solid pine wood slats and metal support bars create a high XXXX lb. resting weight capacity Low VOC finishes are non-toxic, contributing to a clean and healthy home Includes easy-to-read instructions, slat rolls, hardware and all the tools you need I advised XXXXXXXX XXXX XXXXXXXX representative known as XXXX about all the issues. Here is XXXX 's response on XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX, XXXXXXXX XXXX Hello XXXX, I sincerely apologize for the issue with your order. It is our policy to provide free replacements for anything damaged. Items that are damaged or assembled are not eligible for returns/refunds. You can read more about our return policy here : Changes, Cancellations & Returns XXXX XXXX XXXX Thank you again, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Tel : 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
Consumer complaint received 2019-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

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 2023-04-12
Company: EQUIFAX, INC.
State: MI
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 following 3 Consumers Listed below Have Violated my Rights under the following laws listed below 15 U.S.C 1681 section 602 A. States I Have A Right To Privacy.

15 U.S.C 1681 Section 604 A Section 2 Also States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions ( 1 ) XXXX XXXX Account Number XXXX ( 2 XXXX XXXX XXXX XXXX XXXX account number XXXX ( 3 ) XXXX  XXXX  Account number XXXX ( 4 ) Online information service Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: GOLDMAN SACHS BANK USA
State: NY
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:
This item is appearing on my credit reports whereas I had not intended to have this product. 
Once I found this card in the mail I had immediately contacted the company that it is not a product I intended to apply for. 
I had never activated the card and requested from the company it be closed and deleted from my credit reports. The agent said that it will not be reported since I had requested closure within 30 days. 


APPLE CARD/GS BANK USA XXXX StatusPaid, Closed/Never late. 
Account TypeCredit card Balance- Date Opened XX/XX/2020 Dispute

Company response to consumer: Closed with explanation