BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-26
Company: CITIBANK, N.A.
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:
FCRA Opt-Out Request. 





XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Original creditior : XXXX XXXX  XXXX XXXX XXXX Account number XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MI XXXX Phone number ( XXXX ) XXXX. XXXX ) Original creditor : CITIBANK N.A. XXXX. XXXX XXXX Account number : XXXX Address : XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX. 
XXXX ) MACYS/CITIBANK, N.A. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX ( XXXX ) XXXX Account number XXXX Subject : Opting Out of Any and All Authorizations Pursuant to the Fair Credit Reporting Act ( FCRA ) To whom it may concern : I am writing to exercise my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically in accordance with 15 USC 6802. I hereby inform you that I am opting out of any and all authorization whether they were given to you in written, unwritten, verbal, or non-verbal form. 
As a consumer, it is my right to control the disclosure of my personal and financial information. I understand that the FCRA grants me the ability to limit access to my credit information, and I am now exercising that right. By opting out, I am requesting that you cease the collection, sharing, and reporting of my personal and credit information to any third parties, including but not limited to creditors, lenders, and other credit reporting agencies. 

Please ensure that my name and all associated personal information are removed from your databases and any future credit reports. This includes but is not limited to my social security number, date of birth, current and previous addresses, employment history, and account information. 

I kindly request that you confirm in writing within 30 days of receiving this letter that my opt-out request has been processed and that my information will no longer be shared or reported. Furthermore, I expect that you will comply with the FCRA regulations by not providing my information to any unauthorized parties in the future. 

Please consider this communication as a formal notice of my decision to exercise my rights under the FCRA. Failure to comply with this request may result in legal action taken against your agency for violations of my rights as a consumer. 

Thank you for your prompt attention to this matter. I trust that you will handle my request with the utmost professionalism and ensure that my rights under the FCRA are fully respected. 

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 non-monetary relief
Consumer complaint received 2023-11-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Bank of America regarding what I believe to be an unjust late payment fee and the inadequate customer service I experienced. The details of my complaint are outlined below : 1. Statement Balance and Refund : The statement balance of my Bank of America credit card for XXXX was {$390.00}. Subsequently, I returned products purchased during the month of XXXX, resulting in a total refund of {$510.00}. As the total refund exceeded the statement balance, I did not make any additional payment to the credit card for that month.

2. Bank of America 's Awareness of Refund : Despite being aware of the substantial refund posted to my account, Bank of America continued to allow me to use the credit card for future purchases. Typically, credit card companies decline further charges if the minimum payment is not made on time. 
3. Unjust Late Payment Fee : Bank of America charged a {$25.00} late payment fee on my credit card, even though the total refund exceeded the previous month 's statement balance. This fee is unjust and inconsistent with the industry 's standard practice. 
4. Inadequate Customer Service : When I attempted to address the late payment fee by calling Bank of America, the automatic phone system did not provide an option to discuss late fees and would not connect me to a representative. Instead, the system abruptly hung up on me, leaving me frustrated and without resolution. 
5. Resolution Attempt through Online Chat : I had to resort to using the online Chat function to contact a Bank of America customer representative named XXXX. While XXXX promptly refunded the late payment fee, Bank of America continues to display a " past due status '' on my account, despite the statement clearly indicating that " payment and other credit '' exceeded the total balance of the previous statement.

6. Payment Not Posted Despite Deduction : Following the " past due status '' on my account, I made a {$50.00} payment as requested. However, despite the deduction of {$50.00} from my bank account, Bank of America has not posted the payment on my credit card 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 monetary relief
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: FL
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 these accounts were 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 be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Experian Information Solutions Inc.
State: FL
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2023-03-17
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to remove from reporting : XXXX-Balance {$80.00} XXXX  XXXX XXXX-Balance {$6500.00} XXXX  XXXX-Balance {$9900.00} XXXX-Balance {$1000.00} XXXX-Balance {$870.00} XXXX-Balance {$1700.00} XXXX-Balance {$8000.00} XXXX XXXX XXXX-Balance {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: Experian Information Solutions 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:
After never receiving actual bank statements for my personal loan. I was never given an opportunity to pay my monthly payment without having to physically go to the bank. I then ran into a issue with payments where the bank representative never spoke of any late payments during the time of my payment. since the start of this loan, there as been a lack of communication for what i'm was responsible for each month. since trying to resolve this, I have seen this credit union continue to show inaccurate information about my payment history thru my XXXX along with other reporting agencies. Im asking for all miss payments removed along with {$1000.00} in compensation.

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 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
FCRA Violation : credit card not mine XXXX XXXX FCRA Violation : hard enquiries not mine XXXX XXXX XXXX FCRA Violation : collection not mine 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 2019-08-06
Company: EQUIFAX, INC.
State: MO
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:
Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. 

Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. 

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  Acct # XXXX CHARGE : {$970.00} XX/XX/XXXX Reason : Unverified Account 2. XXXX XXXX XXXX XXXX XXXX XXXX . 
Acct # XXXX CHARGE : {$710.00} XX/XX/XXXX Reason : Unverified Account 3. XXXX XXXX  XXXX   XXXX XXXX XXXX  Acct # XXXX CHARGE : {$150.00} XX/XX/XXXX Reason : Unverified Account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
ON XX/XX/, MY BANKING ACCOUNT WAS CHARGED XXXX OF UNAUTHORIZED CHARGES BY XXXX XXXX AND PNC BANK REFUSES TO REFUND THE FUNDS TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have recently started facing an issue with Bank of America placing a very long hold on checks and deposits. Here is a video that goes into detail about the Bank of America Freezing Funds for Small Business Owners. 

https : XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-11-17
Company: Resurgent Capital Services L.P.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
LVNV FUNDING WITH ACCOUNT # XXXX. And a balance of {$2000.00}. 
LVNV FUNDING is violating the Fair Credit Reporting Act Privacy Act of 1974, as amended,5 U.S.C. 552a. LVNV FUNDING is using there policies to answer my request, company policies are not LAW. 

LVNV FUNDING uses my information without my consent report inaccurate information to the credit bureau. The company erred and failed, and denied and ignored my request for a contract to prove that I give own them for any loan. 

I have the right as a consumer under the Fair Credit Reporting Act to request a copy of a contract with XXXX XXXX and LVNV FUNDING to proof that I owed them for any loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$990.00}, XXXX XXXX XXXX Balance : {$610.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$120.00}, XXXX XXXX XX/XX/2020 are reporting on my personal credit file with ( XXXX/XXXX/TransUnion ) credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by 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 non-monetary relief
Consumer complaint received 2023-03-17
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: EQUIFAX, INC.
State: FL
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. 

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 non-monetary relief
Consumer complaint received 2019-01-10
Company: JPMORGAN CHASE & CO.
State: NH
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:
Received my only credit card prior to a 2 week XXXX vacation to reduce possibility of fraud while abroad. Returned home and waited for the statement, it came the next month with a late fee. I called the company and said we are getting off on the wrong foot - you sent me a statement that was after the due date - with a late fee. Chase would not budge. On XX/XX/18 I paid the balance in full over the phone with a chase representative ( {$3800.00} ) and closed my account with her over the phone due to their dishonest business practices. 
I receive a statement for {$31.00} on XX/XX/18 ( no XXXX statement sent ), again indicating that I had a {$16.00} balance and they attached another {$15.00} late fee on, after they closed my account and took my final payment over the phone. 
I find their business practices unfair, dishonest, and I believe the public needs to have the ability to protect themselves from these XXXX dollar corporations with unfair practices. As a veteran, I have moved over to XXXX for a credit card and have had none of these occurrences. 
We as individuals in the country, are literally becoming economic prey to these big banks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit 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/XXXX, I wanted to purchase a {$700.00} gift card at XXXX XXXX XXXXXXXX XXXX XXXXXXXX in XXXX and the card was swapped. However, I was told the maximum is {$500.00} for a gift card and {$700.00} exceed the cap so the transaction did not go through. However I was charged {$700.00}, I disputed this amount with Chase bank, but the bank denied and told me to deal with store by myself. I reached out to the store, employees in the store told me the maximum of gift card amount purchased by credit card is {$500.00}, and the manager request my bank statement and said she would submit to the Corporation in XX/XX/XXXX, I didnt receive any feedback nor my money back. Chase still didn't refund my money. 

ASAP XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: TX
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Dear Transuion my credit age is 12 years even if a student loan has been wiped off of XXXX XXXX Credit file... 
Dear Transuion please fix your credit computers This is really embarrassing As an agency you should really take stock to not be an embarrassment to consumers and people that have trust in you as an agency for fair consumer reporting Do you not have bosses and supervisors that look over your reports My credit score has not risen for 5 months and XXXX XXXX pays Bills You apologize for the inconvenience But you keep doing the same illiterate methods Please consider my credit limit There are two on there But you record it as 1 and F What is your malfunction?? 
Do you not see something wrong with that?? 
Look at it yourself An XXXX would put up a score like that for someone with that long of a credit age and credit activity ... ... Dear Transuion

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 2023-11-02
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I applied for an auto loan and relieved a check in my name to buy the car. I found a truck I liked which ended up being a lemon, The loan was never returned and was left to me during covid. The original rate on the truth in lending statement was at 7.19 % which was an affordable payment. 

After 6 months There was no title to be sent in as collateral they then changed the interest rate to 18 % making it ver unaffordable to continue paying this back. The payment used to be XXXX then jumped to XXXX. I payed this for the last XXXX years and the loan has not moved an inch but as a matter of fact gotten worse with having to defer payments and push them to the back of the loan. this has been nothing but a nightmare ruining my credit. 

The loan is still currently being reported to my credit as an auto loan but there is no auto. because of this no bank will approve me for a car to even find a job. the Interest rate increase made it impossible to keep up with. 

I have contacted Navy federal they refuse to help me they do not want to lower the rate they refuse to alter the loan toa personal and inorder to settle they want me to come up with XXXX right away and give me a XXXXXXXX XXXX plan of 12 months to remain paying additional XXXX / XXXX  month XXXX per month IMPOSSIBLE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation