BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-19
Company: EQUIFAX, INC.
State: VA
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:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. 
Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
BANK OF AMERICA WAS SUED. THEY WERE ORDERED TO REIMBURSE CUSTOMERS FOR OVERDRAFT FEES. MY HUSBAND AND I HAVE BEEN WITH BANK OF AMERICA AROUND XXXX  YEARS. WE EACH HAVE OUR OWN ACCOUNTS, WE HAVE NEVER RECEIVED A DIME FROM THE SETTLEMENT ( S ). I CONTACTED THE ATTORNEYS HANDLING THE SETTLEMENT AND EXPLAINED THAT WE WERE CUSTOMERS DURING THE RELEVANT TIME PERIOD AND WERE ABSOLUTELY SUBJECT TO THE FEES THAT B OF A HAS BEEN ORDERED TO PAY BACK BY THE COURTS FROM MORE THAN ONE LAWSUIT. THEY SAID THEY WOULD CHECK INTO IT. WELL, WHAT A SHOCKER. HAVEN'T HEARD A PEEP. MAYBE CFPB CAN TELL ME WHAT I SHOULD DO NEXT IN THIS SITUATION.

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 2023-08-09
Company: PNC Bank N.A.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
PNC bank first blocked and then closed my account without informing me about the reasons. My money in the account has not yet been returned. I've been trying to solve the problem for a year now, but the bank employees ignore me. After my complain to CFPB a certain XXXX XXXX from Executive Client Relations left her phone for resolving the problem. Ive been calling her for two weeks but she has a voicemail saying that she is out of office or I have to leave my phone number. She never replies my emails, never calls back. PNC bank deceives all the time. I think they have something to conceal and this XXXX XXXX doesnt work there anymore. It is just a fake phone number to make it look like they are ready to solve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I do not recognize any of these companies they are reported as inquiries on my credit report ..XXXX/XXXX  XX/XX/XXXX ... XXXX XXXX XX/XX/XXXX ... XXXX  auto XX/XX/XXXX ... XXXX  XX/XX/XXXX ... XXXX XXXX XXXX ... XXXX credit/XXXX XXXX XXXX XXXX XXXX ... .. Toyota motor credit auto finance XXXX XX/XX/XXXX ... ..Us Sm Bus Admin XX/XX/XXXX 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: NAVY FEDERAL CREDIT UNION
State: MI
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:
You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX # XXXX ) has violated several of my rights. 

15 U.S.C 1681 Section 602 A Clearly states that I have the right to privacy.

15 U.S.C. 1681 Section 604b A Section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.

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

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
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:
Experian will not provide me with any documentation to validate two debts sent in XX/XX/XXXX, from XXXX. Both debts were immediately removed from XXXX and XXXX however, Experian removed one but not the other. I have repeatedly disputed this debt and disputes are closed very quickly by Experian without providing any documentation for the validation of this debt. Now, Experian has allowed XXXX to re-age this debt on a monthly basis. 

The company XXXX is illegally re-aging a debt not owed as I have NEVER received a bill for this debt from the original creditor, therefore violating the fair credit reporting act. The Date of first delinquency is allegedly XX/XX/XXXX, however, XXXX continues to re-age this debt monthly starting XX/XX/XXXX maliciously to make this debt appear new and/or current. After speaking with Experian Credit, they too, sent a request to Consumer Federal Protection Agency as this company illegally re-aging this debt. 

XXXX continually sends two medical invoices with the names of minor children attached versus a bill for this alleged debt. The original creditor never sent a bill or any information saying a debt was owed which is why XXXX continues to send medial invoices which are paid by my insurance company. 

All credit agencies have removed this debt, however, Experian has not, and has allowed this debt to remain and allows XXXX to re age this debt on a monthly basis. This is illegal according to Federal Law. 

A police report was filed against both XXXX and XXXXXXXX XXXX for fraudulently sending a debt to a collection agency then to credit agencies for a debt that is not owed as no service was provided for the debt they are claiming. 

They have intertwined medical debt ( paid by insurance company ) with this other alleged debt. My insurance company XXXX  ( federal government ) is investigating XXXX XXXX for attempting to bill fraudulently under my name for a provider/doctor I have never been a patient of or seen. Those claims were denied by the insurance company for inaccurate billing and/or billing under a doctor which I was never a patient. 

After alerting my insurance company of the fraudulent activity, the company XXXX XXXX  retaliated by sending medical invoices intertwined with an alleged bill to the collection agency XXXX who is illegally re-aging this debt monthly as I have continually disputed the nature of this debt. The nature off the debt and has continually changed to support the debt after sending documentation to Experian who shared with XXXX, however, I do not, nor have I ever seen anything from Experian sent from XXXX to validate this debt.

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 2023-08-08
Company: NBT BANCORP INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Im not sure if this was fradulent but on XX/XX/23 i co sign for a loan. My partner was suppose to be the primary. 
I recieved the paper work from the bank listing me as the primary. 
I called the bank and said this was an error and that i was co signer not primary. The bank NBT stated that the dealership XXXX submitted the application as me being the primary and that for it to get fixed i would have to re finace. 
I called empire XXXX and havent recieved a call back. 
I then called their corp office. A rep said they were going to look at the matter. 
I want to submit a complaint incase the matter is not fixed tomorrow. 
All the paper work i sign says im co signer I can send documents on a reply email

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Other problem getting your report or credit score

Complaint:
XXXX XXXX XXXX reporting reporting the the credit score for transunion score is reporting XXXX when transunion is reporting 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 2023-12-13
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
I have a PayPal account which got limited for 6 months, after that PayPal sent me an email saying that I can withdraw my funds but didn't allow me to link my bank account. Today I found that PayPal transferred the balance to itself and don't answer to my emails and contact. 
The amount taken is {$2300.00}. 
PayPal is a total scam, I heard of it, now I can testify. 
Please help. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Credit Karma has engaged in debt parking

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 2023-03-13
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report ''. I've already disputed these items with the bureaus but they did not delete them, nor prove validation. XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: PA
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:
XXXX Account number XXXX has violated my rights. In accordance with 15 USC Code 1681a-Definitions ; rules of construction ( 2 ) EXCLUSIONS- Except in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.15 USC 1681 section 602A states I have the right to privacy.15USC1681s-2 ( A ) states that a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-11
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello I have a Citibank secured Credit Card. I purchased what I thought was a pair of authentic leather XXXX XXXX on XXXX in early XX/XX/2020 ... When I received the Gloves I found out that they were not authentic and contacted the merchant XXXX  and XXXX on the issue ... I did not get any help in getting this resolved ... I then turned to my credit card company Citibank because they state they have 100 % protection against fraud and fraudulent purchases. I put through a dispute and provided all information that I was able to get to show that this item that I purchased was fraudulent. I spoke to several people at Citibank and they all said that I did as much as I can and that the dispute would be resolved in my favor ... I received a final notice a few weeks ago stating that they could not reverse the charge due to lack of information. I was so upset that I requested for my credit card to be closed due to Citibank disvalues their customers. I can not seem to get this resolved. Can you please assist me? I've been a customer with Citibank for more than 15 years

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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After i found out that i had fraudulent accounts on my credit report, i contacted the bureaus. They did not remove the accounts

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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2022-03-19
Company: EQUIFAX, INC.
State: PA
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:
In XXXX my score with Equifax was XXXX. I received some money and immediately payed off/down credit card debt. I also had a old medical debt removed due to age of debt. It is now XXXX and my score dropped to XXXX. When I tried to find out the reasoning in XXXX for my score dropping instead of rising due to the significant decrease of credit card debt, customer service at Equifax said it was due to the " formula '' they used. 

My score with XXXX XXXX is XXXX and has been in that range since paying down my debt. 

Please investigate the so-called formula that Equifax uses .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: EQUIFAX, INC.
State: GA
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:
Ive been disputing the inaccurate and Incomplete information for 5 months now. Ive ask the agencies to prove proof of verification and I keep getting a generic letter stating its been verified

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I just received my credit report and noticed unauthorized inquiries they shouldn't be reporting to my credit profile. This have been a rough time during the coronavirus plague

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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, My name is XXXX XXXX XXXX and I am writing in regards to the negative items found on my credit report. 

Regarding XXXX - XXXXXXXX XXXX, I would like to inform you that the date of inquiry for this account was XX/XX/XXXX, which has now reached the statute of limitation. Therefore, I kindly request that you remove this information from my credit report. 

Furthermore, I would like to dispute the following accounts, as they do not belong to me : XXXX XXXX XXXXXXXX, Account Number : XXXX ; XXXX XXXXXXXX, Account Number : XXXX ; XXXX XXXX, Account Number : XXXX ; and XXXX XXXXXXXX, Account Number : XXXX. I have no record of these accounts and I believe that this information is inaccurate. 

Therefore, I request that you remove these inaccurate items from my credit report immediately. I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, 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 2019-08-23
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX myself and my wife received a mortgage loan from Citibank mortgage for the amount of $ XXXX@ 3.25 % for a fix 30 year fix loan. Loan was based on our primer status with Citibank. Since we had over {$500000.00} with Citibank, we were promised 1/8 point discount on the loan. When we were on final stages of loan preparation, we were told that since we are using part of the {$500000.00} for down payment, we were not eligible for 1/8 point discount. At that point we did not have any other options and we reluctantly closed the loan. On XX/XX/XXXX, we received a check for {$4000.00} from Citibank mortgage without any explanations. As I dug into the issue, I discovered that this check was for the 1/8 point overcharge based on a XXXX XXXX dollar settlement Citibank had CFPB. The {$4000.00} check, based on the person responded to my calls with Citibank, is for the rate difference. Citibank told me that they have calculated the difference in interest for 5 years and made some deductions that is how they have arrived to {$4000.00}. I argued with the Citibank representative that this not acceptable. They need to either pay me the difference in monthly payment between 3.25 % and 3.125 %, which is equal to {$73.00} per month, for as long as I hold the loan and bring the back payments in to today 's dollar value. Alternatively, they can calculate the loan amounts that I should have had received in XXXX instead of {>= $1,000,000}. This new principal value, based on XXXX dollars, would have been {>= $1,000,000} or {$17000.00} more than what I received as principal for the loan. This XXXX should be adjusted to today 's dollar value. 
This issue was escalated and I talked to the managers. Everyone repeated the same information that I received the interest for 5 years with some subtractions. Although Citibank was always very polite, but basically their point was that this is the money you were not expecting, so go enjoy it! This response is not acceptable. I do not see any issue with my logic and reasoning. Citibank did not provided what they have advertised and they should correct their mistake and properly reimburse us. 

CitiMotgage Account Number XXXX Principal dollar value Received : {>= $1,000,000} Interest rate received : 3.25 % ( Should have been 3.125 % ) 30 year fix rate loan XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX Cell ( 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