BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My wife and I are holders of a MerrillXXXX XXXX credit card administered by Bank of America . We are listed as XXXX XXXX because we spend more than $ XXXX per year using this card. This entitles us to XXXX XXXX up to {$200.00} per year for incidental travel expenses including airline baggage fees. ( See EXHIBIT A : MERRILL XXXX XXXX CREDIT CARD BENEFITS AND REWARDS GUIDE ) ( SEE EXHIBIT B and EXHIBIT C : Website references to the XXXX XXXX ) On XX/XX/XXXX using our credit card, we paid XXXX XXXX XXXX fees each in the amount of {$30.00} totalling {$120.00}. ( SEE EXHIBIT D : Our credit card statement showing the XXXX {$30.00} charges ) Previously during 2023 we had received a credit of {$120.00} for payment of other baggage fees. Therefore, based upon the {$200.00} annual credit limit, we are still entitled to a reimbursement of {$80.00} which we have not received to date. Despite repeated phone calls to various customer service departments within Merrill Lynch and Bank of America, we have still not received our {$80.00} reimbursement. We have been repeatedly directed to different departments each of which continued to direct us elsewhere. We even had one representative say the travel credit program has been discontinued in XXXX even though no notice was ever given and the benefit still appears on the cards website. We went through similar difficulties with the earlier {$120.00} credit mentioned above, necessitating a complaint with your bureau ( Case # XXXX ) which resulted in a payment of {$120.00} to us. We believe that this situation is either fraudulent or is a gross mismanagement of a benefit publicly offered to the Banks MerrillXXXX XXXX XXXX cardholders. We are requesting a correction of this situation and receipt of our {$80.00} credit.

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 2023-03-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes

Complaint:
Im a XXXX XXXX. I was defrauded and scammed by a company that employed me. I had alerted both Citi Bank and XXXXXXXX XXXX. In addition I have filed complaints with the XXXX XXXX police, the FBI, the Department of Justice, the Secret Service I had perfect credit! 
XXXX XXXX completely understood the issues and has appreciated and treated me with dignity. Issued a new card and is working with me. 
Citi Bank, has treated me as if I was the criminal. They closed not only the account involved but my second account which was in effected. They have made false statements to the credit bureaus and are defaming my good name and credit. I even sent all of the documents to XXXX XXXX, XXXX of Citi Group in NY. She has not responded and in fact Citi continues to treat me like the criminal and fraudster. Im meeting with an attorney tomorrow. This is the short of a long saga, but I suggest people should be aware of how Citi Bank treats their customers, especially a XXXX XXXX  with perfect credit.

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 2023-11-25
Company: NAVY FEDERAL CREDIT UNION
State: VA
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:
Ive been a veteran since XX/XX/XXXX. I receive XXXX XXXXXXXX compensation. And I been receiving XXXX since XX/XX/XXXX. Ive been unemployable since XXXX, so any benefits received in my name is government protected. Well XXXX XXXX been taking unauthorized payments for credit card debt and car loan debt, that was late, for 6 years now. 

They recently took a family members amended tax return that came to my account to pay my debt in full. 
The family member had no access to my account for over 5 yrs. But the return went there, in their name because that was where their original return went back in XXXX. Because that was their only account at the time. So even though the member was no longer on the account, or had access to the account, navy federal used their money to pay off my debt, now leaving me responsible to pay them back. What made it so bad is that the credit card was closed back in XXXX of XXXX and was in collections as written off. 
Navy federal sent a settlement for both debts, for a fraction of the cost of the debt, the same day the money cleared, in garnished the full account of both debts before I ever seen the emails. 

They took {$14.00}, XXXX of someone elses money. This was XXXX XXXX. I got contacted by the IRS and the bank who sent it on XXXX XXXX requesting I return it. Navy federal had done this, in never even took the time to contact me about this debt being paid in full. After talking to several representatives, they refuse to return the money to the bank that sent it. They claimed it didnt matter that the member was no longer on the account. Or that the ACH deposit wasnt in my name. It came to my account so they have the right to take it. Honestly, I believe navy federal took it because they saw it was a family member. Because any ACH deposit sent to the wrong account should be returned. Especially if they name doesnt show up on the account the money is being sent too. The owner of those funds been removed from acct ending in XXXX long before now.. They even opened up their own account with navy federal. Navy federal has contact with owner of funds. And could have reached out to verify funds sent to wrong account. So the department that processed the transaction, linked us together in justified using their funds to pay my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: WELLS FARGO & COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My lawful and factual claim was close without merit or interruption based on expost-facto law. No interruption of terms occurring even after they were successfully prosecuted for use of excessive interest rates by their own Attorney General Office In Iowa, recently after my complaint. 

The MCL is on the books as a factual existing Law. The fact that their claim is after the fact is a matter of law. Contractually, whether I was aware of the law at the time of contracting ; the law existed. " Per Michigan statutory interest rate ceilings Part 1 Lenders subject to credit reform act '' in their factual existence are Criminal. 

Whereas, Sanction of the loss, or from the use, of interest will be barred for the use of interest barring contacts over 25 % and shall be imposed in a court of law. 

Giving me grounds for Suit for rescission and criminal usury if so needed. The reply was received in full details TODAY XX/XX/22. I claim to believe the current regulation MCL 438.41 in Michigan. I provided protects consumers. 

This is brutally affecting my credit score. Bringing it to a dangerous levels and I should have the all around protections of the bureau.

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 2023-07-27
Company: EQUIFAX, 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:
I sent a letter to the XXXX Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I filed this lawsuit withthis company and I have never been paid a cent this fruad goes beyond them it includ the Social Security office I have received mail from them to my adress XXXX XXXX XXXX XXXX # XXXX only to find out on XX/XX/XXXX that I had not chnaged my address with them and that all my old mail wa still going to XXXX XXXX XXXX when spreaking with the new tenat at the adress she stated she sent all my mail back to XXXX Florida My entire life is turned up side down The check from XXXX XXXX was mailed in XXXX to the adress at XXXX XXXX XXXX where I nolonger lived but I received mail at the new adress from XXXXXXXX XXXX sarting back in XXXX of XXXX this fraud also includes XXXX XXXX and the Deoartment Of children and families or florida I need help. Although the postalservices in my City stated I never changed my adress from XXXX XXXX XXXX my mail has been fowarded to my new adress at XXXX XXXX XXXXXXXX XXXX # XXXX. I also was receiving emails from USPS XXXX XXXXXXXX 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 2023-03-22
Company: Experian Information Solutions 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:
It was revealed in my credit report that a collection account is fraudulent that I did not authorize. I would like this accounts immediately remove from my XXXX, XXXX, and Experian credit report : Account name : XXXX XXXX XXXX Acct number : XXXX Date open : XX/XX/2023. THE ACCOUNT IS STATED OPEN BUT IS IN COLLECTIONS. I respectfully asked the creditor to provide some kind of proof of these alleged items, specially the contract, note, or other entrustment bearing my signature. additionally, to please provide the name, address, and telephone number of each credit grantor or other subscribers. It has been over 30 days and I haven't got a response. Under federal law they have 30 days to complete a reinvestigation. as well that the description of the procedure used to determine the accuracy and completeness of the information is herby requested as well, to be provide within 15 days of the completion of the reinvestigation. 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and.

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 2023-03-22
Company: Experian Information Solutions 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:
My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$45000.00}

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 explanation
Consumer complaint received 2023-03-22
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 3 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions 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 am submitting you this CFPB Complaint to dispute the accounts on my credit file that belong to my daughter. These accounts have been incorrectly reported on my credit file and are negatively affecting my creditworthiness. I request that these accounts be removed from my credit file immediately. Under the Fair Credit Reporting Act ( FCRA ) Section 611, I have the right to dispute any information on my credit report that is inaccurate or incomplete. These accounts are not mine and should not be reported on my credit file. Their presence on my credit report is a clear violation of my rights under the FCRA. These are the accounts I am requesting you to please take off of my Credit File : XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX Balance : {$39000.00}. I have taken steps to verify that these accounts belong to my daughter. Therefore, I am requesting that the credit bureaus investigate these accounts and remove them from my credit file 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 explanation
Consumer complaint received 2023-03-22
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:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$3800.00} ; XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXX XXXX Balance : {$110.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX  ) XXXX XXXX : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX Balance : {$1400.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: VA
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 I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-03-22
Company: Mr. Cooper Group Inc.
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
It has been since XX/XX/2021 that every time I make an additional payment toward my principal, Mr. Cooper ( formally Nationstar ) mortgage company applies part of that amount to my monthly payment without my permission, even though my monthly payment has already been taken care of and paid. They have not applied those amounts correctly for the past year and an half, and every month after I make that additional payment toward the principal, I have to reach out via email/chat or phone to have those amounts rectified and applied correctly on my account. Last year I filed XXXX complaint XXXX and for few months the problem sized. Now, the last 4 months they have started to do it again and apply the amount incorrectly. They say there is a setting ( hierarchy ) on my account that makes the system apply some of the payment toward the principal. I'm back to square one and every month, I have to reach out to them to make the payment adjustments. They always tell me they will update the setting on my account but it never happens : the following month, the payment is applied wrongly and I have to call again to make sure is applied correctly. Please reach out to them and have them stop this behavior, they are using my money in a way I have not agreed and I feel they are taking advantage on my money and abusing me. It is emotionally draining. Please make them STOP!!! Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions 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:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$3800.00} ; XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/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 2023-03-22
Company: EQUIFAX, INC.
State: VA
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 3 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation