BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-07
Company: CITIBANK, N.A.
State: MI
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:
In XXXX XXXX XXXX XXXX  I received a statement indicating that a minimum payment of over {$700.00} was due to the charge card not declining transactions causing the card to be charged over the limit. In speaking with the representative they explained that in fact the card should have been declining but it did not. So the agent set up a payment arrangement to bring the balance down. The payment arrangement was set up for about {$240.00} however at the time of the payment instead of auto drafting the payment arrangement amount Macys debited my financial institution the invoiced minimum amount due which caused an overdraft and nonsufficient fee XXXX times for the auto attempts made by Macys ( XXXX XXXX XXXX XXXX XXXX XXXX ). I have communicated with them about this multiple times being given the run around and not ever responded back from the email I was advised to send to XXXX. I want to be reimbursed for the fees charged from my bank in the amount of {$210.00} whether by check or credited to my credit card principle balance

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 2022-05-29
Company: Credit Bureau Services of Iowa Inc.
State: IA
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:
Credit bureau services took me to small claims court for 3 accounts all at once. The judge deemed I was not responsible for the account for the amount of XXXX. I did take responsibility for the accounts for XXXX and XXXX. I have disputed the account for XXXX multiple times with prof from the court and have call Credit bureau services and they still refuse to remove the account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: EQUIFAX, INC.
State: NJ
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 have been a victim of identity theft someone used my social to open up a fraudulent account i need help to get this account removed please help me out, I have filed an ftc report also an ftc affidavit and got it notarized i hope this helps

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: National Credit Systems,Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was placed on my credit report for rent that I do not owe. I moved out with rent paid in full for the last month at the address. I never received a notice for an outstanding balance before seeing it on my credit. Contacted the company who stated they would resolve the issue and still nothing has been done. There was no updated lease as my lease had expired months before ( XX/XX/XXXX ) and they never renewed so I moved out ( XX/XX/XXXX ) with my balance paid for XXXX My rent was never late and there was no balance when I turned in my key. I have contacted this company on multiple occasions they do not return calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Credit inquiry received on XX/XX/2023 for a credit card with Capital One. This was not me. I immediately contacted Capital One and they said the account was not opened. However, Capital One has not reported this to XXXX even though they claim they sent he request. XXXX claims they have requested Capital One to respond to the false claim to remove from credit report but Capital One has not responded according to XXXX. I have waited 6 months to get this resolved and want this removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card
Issue: Rewards

Complaint:
I applied a BOA VISA XXXX card on XX/XX/2016. While I open this card, they promised {$100.00} bonus if I spent {$500.00} within 90 days. The results : I did spent about {$1100.00} in 90 days. They still deny my bonus for {$100.00}. More, I should have cash reward for about {$13.00}. They said : " We can not give you this amount, the minimum is {$25.00}. '' I think they are cheating customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-18
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited my paycheck on XX/XX/XXXX via an ATM at my bank US Bank. It was for a little over {$3200.00}. They told me that the funds will not be available until XX/XX/XXXX. The account is not new - I opened it just under 6 months ago. The account has over 30k in the account. The payroll check in question cleared my employers payroll account on XX/XX/XXXX. I know this because I work in accounting at my employer and have bank access

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 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 explanation
Consumer complaint received 2023-06-20
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: Information belongs to someone else

Complaint:
I did not having any business dealings with this company I asked them to remove several times. They were force to be removed from my XXXX file but it is still showing up on Equifax and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3200.00} ; XXXX XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX  XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3200.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX  XXXX Balance : {$12000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3200.00} ; XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-29
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:
There saying this has been verified? However this company clearly sent me paperwork with a blank and unknown patient signature. This account could be related to fraud, it is not my signature and is unknown too me. So how are they truly verifying this account? I have included a copy of an FTC report as well. 
XXXX XXXX XXXX  Account Number:XXXX {$20000.00} Please remove this item from my credit report immediately. 

REPORTING INCORRECT BALANCE, Proof in documents attached. 
XXXX XXXX Account Number : XXXX BALANCE REPORTED BY XXXX : {$1700.00} BALANCE REPORTED BY CREDITOR : {$1600.00} Please remove this item from my credit report immediately. 

The following creditor agreed the account was paid as agreed, the creditor also stated they could find no evidence of late payments on my account. 
XXXX XXXX Account Number : XXXX Please update the late payments to paid as agreed.

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 2022-09-10
Company: HOME BANCSHARES, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
1. ) I log into my account on XX/XX/2022 @ or around XXXX XXXX  and notice a charge of {$99.00} related to a purchase i never made nor authorized. I have no clue whatsoever this purchase is about. 
2. ) The specific details of the purchase include : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  {$99.00} Debit Authorization 3. ) There is no way to address concerns with a transaction via the internet account access provided by the bank. On top of this, this mishap occurs over the weekend and there is no one available to address the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
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:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). If you do not verify these items, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. I'm looking forward to the update or deletion of the following inaccurate items. Thank you. 
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 2023-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
We were victims of wire fraud involving our CapitalOne account on XX/XX/XXXX. We sent about {$32000.00} to pay what we thought was the remainder of balance on our flooring purchase. We were informed on XX/XX/XXXX by the company that they were hacked with several other customers involved. We initiated recall with CapitalOne on XX/XX/XXXX. We are now at almost 6 weeks and still don't have an answer. We feel we are in the dark. XXXX is unable to help since we do not have account with them. CapitalOne is telling us they are waiting for XXXX to respond, XXXX is only able to tell us and only after filing a complaint that they have responded to CapitalOne. It appears that the two banks are responding but not communicating. We are unable to speak with anyone from Capitalone directly involved with figuring out this wirefraud, only that they will forward my message to the proper department. We have been customers with CapitalOne savings for more than a decade starting in XXXX with XXXX, subsequently taken over by CapitalOne. CapitalOne has used large sums of our funds for their investment with a very miniscule return for the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX Balance : {$470.00} ; XXXX  XXXX Balance : {$750.00} ; XXXX  XXXX XXXX Balance : {$160.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$900.00}.

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 2023-09-22
Company: Nelnet, Inc.
State: NE
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My student loans were transferred from Great Lakes to nelnet and they dumped my credit score by XXXX  points. They did not suppress my credit score. These loans were satisfactory. Nobody will resolve the issue. XXXX  points will take me until I am XXXX  to resolve. Can not resolve via phone. Nobody answers. Nobody responds to email disputes either. This is not my fault. How am I supposed to buy a car or rent or pay utilities after they dumped my score?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been calling and contacting Bank of America constantly for over 6 months now on this issue and there has been no fix. The answer given each time is different and I just passed around on phone tag until XXXX rep says the issue will be fixed in XXXX hours... but it never is. 
I am unable to set up XXXX on my credit card account which is required to set up auto pay for credit cards for Bank of America ( XXXX system and the only credit card company I know that does this and it is awful ). 
I have had my Bank of America credit card with this issue for about 10 years. I had auto pay set up the entire time and everything was going smoothly. I opened up a checking account at the beginning of this year and everything broke in the system. ALL of my auto pays and XXXX  were canceled and deleted. All of my payment history and payment accounts were deleted. I was unable to enroll in XXXX for MANY months. After months of calling non-stop I finally got to a rep who was able to fix XXXX of the card and said the second card would auto fix after that in XXXX hours... but it never did. I have continued to call constantly for now over 7 months and there is still not a fix. 
The rep that did fix XXXX issue said ( and confirmed many times ) that the problem is due to a old bill pay profile in the system. When I opened a checking account at BoA the system changed me from a " credit card only '' relationship to a " full banking relationship '', but the old profile was not deleted and not transferred. 

The bill pay system is impossible to work with and no one at BoA has the power to fix this and no one is willing to help. Phone reps just pass me around and say wait XXXX hours.. but no resolution. They also say someone will reach out but no one ever calls to fix this issue. 

I am unable to set up auto pay for 9 months and no end in sight. This is very limiting and very risky issue with a credit card. Not allowing a customer to set up auto pay is bad banking practice and should not be allowed.

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 2017-01-25
Company: First Data Corporation
State: NE
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I have NEVER, EVER experienced such unprofessional service as what has occurred with a fraud situation with XXXX XXXX ; payroll provider for XXXX. On XX/XX/2017 my wife and I went to a local supermarket, XXXX to purchase some groceries as there was a pending ice storm. My payroll debit card was declined which was impossible as I was just paid two days prior and had not spent much of the funds. We came home and logged on to the website and noticed XXXX FRAUD CHARGES ; XXXX pending with XXXX for {$260.00} and XXXX charges for a company known as XXXX XXXX XXXX ( XXXX charges for {$100.00} and XXXX for {$51.00}. We immediately called the XXXX # on back of card and where directed to a XXXX male who spoke XXXX. He told me to contact the merchants and try to cancel with them. My wife works at a bank, XXXX, and explained that the procedure is generally a fraud affidavit and to dispute the charges. The XXXX male assured me he would send out a fraud affidavit and we had only 10 days to dispute charges from XX/XX/2017. I contacted XXXX but you can only contact them via an online email form. I described the situation and asked for them to cancel the pending charge of {$260.00}. By XXXX on XX/XX/XXXX, the XXXX charge was cancelled and money of {$260.00} was back in my account. I conacted XXXX XXXX XXXX via email form to as there was no phone number as out of country company. I did not hear back from the company until email received on Wednesday, XX/XX/XXXX stating that there was nothing that the company could do to explain the charges since WE HAVE NO PRIOR BUSINESS with them but they " would cooperate with any disputes with the debit card company. '' I forwarded all documentation to Money Network via fax and mail on XXXX/XXXX/17 and then sent out all the documents via priority mail return receipt on Friday XX/XX/2017. I have retained all necessary documents which can be provided if needed. I regret having my money deposited with Money Network AKA First Data as now my co-workers have informed me that they have had similar situation and have NEVER received a resolution and that I would likely lose my money as the 10 days have now expired. I NEVER RECEIVED a fraud affidavit from the company and now am very concerned as the unprofessionalism and lack of understanding is clear on part of an out sourced call center to another country. I have done everything correctly and spent time and out of pocket to try and correct this situation for obvious FRAUD but the company does not seem to care to respond or act. I am at wits end and hope that at least but notifying the CFPB someone else does not go through this mess.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : XXXX Credit usage 100 % Balance {$1200.00} Balance updated XX/XX/XXXX Credit limit {$800.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Status Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$1200.00} Highest balance {$1700.00} Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX, OH XXXX Phone number ( 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