BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
I did not receive merchandise, I called the merchant and they did not credit my account. I called Bank of America and was told to call the disputes line, I called that line, and told the person I did not receive the merchandise. 

On XX/XX/2020 I received a letter, dated XX/XX/2020 stating that I had to provide proof I returned the merchandise and I had ten days to comply. I sent my response immediately. 

On XX/XX/2020 I received a notice dated, XX/XX/2020 saying that I had a limited time to respond. I sent a copy of mine dated XX/XX/2020 On XX/XX/2020 I received a notice, dated XX/XX/2020 saying that I did not provide information in a timely manner. 

I responded with information in writing on the very day I received the notice. BOA did accurately report my information to the company

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 2023-09-01
Company: Experian Information Solutions Inc.
State: TX
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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate 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 explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Hi, This is an official complaint regarding the handling of my student as a XXXX XXXX. I am at the end of my coursework and working on my project. This has never happened to beforehand, and the person handling my appeal is be negligent. I have sent documentation and also explained my circumstances. She insists on getting a credit report, but there is fraud on it and other incorrect stuff. I start school on XX/XX/28. I am tired of explaining and her denying my school loans because of 3 collections of accounts that need to be corrected. 



That is incorrect. My stuff is under investigation for fraud. So that is only possible once they are done fixing everything. So, I need to reach out to someone myself. You are holding up the process and making it difficult for me to complete or complete anything. I explained the situation, and you need to be helping. I don't need payment arrangements on balances or information that is correct or fraudulent. Plus, the medical bill is coded wrong and should be covered under my insurance. I called XXXX, and they told me to call XXXX and XXXX, which must be corrected. My charge card from XXXX was just closed because of identity theft. You can not get a credit report when it is under investigation. So, this is my formal complaint to the XXXX and the Federal Trade Commission, and I also forwarded it to 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 2023-01-25
Company: Experian Information Solutions Inc.
State: CA
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 reviewed my Consumer Reports and noticed that I had late payments on multiple accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : 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 explanation
Consumer complaint received 2017-05-10
Company: CITIBANK, N.A.
State: CA
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:
XXXX  REPORT ;  XXXX   XXXX   XXXX    XX/XX/XXXX .    1. XXXX - PARTIAL ACCOUNT  XXXX  CARD #  XXXX    XXXX   SHOWS  XXXX  {$4800.00} ALSO REPORT SHOWING ND FOR   XXXX   XXXX     XX/XX/XXXX .     2.   CITI VISA-  PARTIAL ACCOUNT  XXXX  DATE OPENED   XX/XX/XXXX  FIRST REPORTED  XX/XX/XXXX  DATE OF STATUS  XX/XX/XXXX   ACCOUNT CLOSED AT GRANTORS REQUEST. ACCOUNT CHARGED OFF {$5500.00} WRITTEN OFF  XXXX  PAST DUE {$1200.00} AS OF   XX/XX/XXXX .    XXXX   REPORT   XX/XX/XXXX   SHOWS   XX/XX/XXXX    AB { $2100.00} AB {$2100.00} THATS ENDING WITH  XXXX    XX/XX/XXXX  AB {$4 800.00} AND STARTING CITI  AB    XX/XX/XXXX  {$2100.00}. OKAY CITI DIDNT START REPORTING UNTIL  XX/XX/XXXX  C ITI SENT ME  ONE C ARD  XXXX . THEY STARTED REPORTING IN   XX/XX/XXXX  AND WROTE THE WHOLE ACCOUNT OFF  XX/XX/XXXX . ALSO  XXXX  SAID THEY MAILED MY 2 % CASH BACK  XX/XX/XXXX  AND IT WAS DECLINED BY CITI IN  XX/XX/XXXX .     3. CBNA CITI  CREDIT CARD - PARTIAL ACCOUNT  XXXX  DATE OPENED   XX/XX/XXXX  FIRST REPORTED  XX/XX/XXXX  DATE OF STATUS  XX/XX/XXXX  CREDIT  LIMIT  XXXX  RECENT BALANCE  XXXX  AS OF  XXXX   XXXX  RESPONSIBILITY AUTHORIZED USER?????  XXXX  ACCOUNT IN GOOD STANDING. OPEN NEVER LATE.   GRIEVANCE ;  XXXX  ARE MISSING AS AVAILABLE CREDIT BALANCE SOON AS CITI TOOK ACCOUNT HUNDREDS MISSING IN AWARDS 2 % MONEY BACK AND A GHOST ACCOUNT SET UP WITHOUT MY CONSENT OR COURT ORDER THEY CLAIM MY LAWYER DID IT I NEVER HIRED A LAWYER TO RIP ME OFF LIKE A CROOK I WANT NAMES AND ANSWERS. CUT MY CARD IN  TWO T HAN RIP OFF MY 2 % CASH BACK IN   XX/XX/XXXX  TO  XX/XX/XXXX . AND NOW  THEY WANT ME TO PAY  XXXX  PAST DUE NOW THEY WANT ALL OF IT  XXXX  AND KEEP THE GHOST ACCOUNT OPEN THAT IS THE VIRUS THAT TOOK MY  CREDIT SCORE   XXXX  POINTS IN NEGATIVE.   I WAS ENGAGED TO BE MARRIED AFTER 8 YEARS OF HARD WORK WHEN THESE CROOKS PLANNED THEIR BURN NOTICE ON ME WITH NO MERITS. DAMAGES IN THE THOUSANDS. THIS IS WHAT I CALL CORRUPT CORPORATE GREED. I AM VETERAN SERVED MY COUNTRY WITHOUT   DISHONOR   XXXX   XXXX   XXXX    XXXX    XX/XX/XXXX     XXXX   XXXX   XXXX   XXXX  AND  XXXX   XXXX   THESE CLOWNS NEED TO SEE WHAT IT LOOKS LIKE TO BE ON THIS SIDE FOR A  NEW YORK    MINUTE.

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 2023-05-28
Company: Experian Information Solutions Inc.
State: OH
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent 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 explanation
Consumer complaint received 2023-08-24
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: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still 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 investigate the unverifiable items and update them immediately in my report : XXXX XXXX and 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 2023-10-21
Company: CITIBANK, N.A.
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
5 credit cards closed ... since 2010... making payments, etc Back then worth XXXX, XXXX, the 5 together... .which is worth a home equity line of credit Was Blacklisted Blocked defamated discriminated retaliated ilegally persecuted, harrassed

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 2023-08-28
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I get paid the XXXX and XXXX. XXXX XXXX for some reason takes time to process for direct deposit so I might receive possibly 3 paper checks before I can get the direct deposit. I received my check the XXXX of XXXX and deposited in my chase account the XXXX of XXXX. I was told that they would hold my check until the XXXX of XXXX but at the same time they restricted my account, on that day of the XXXX of XXXX when I saw that the funds were in my account thinking that they had removed the restrictions I tried paying all my backtracked bills but to find out the account was frozen. I called customer service to see if they could lift the restrictions but I was told that they couldnt verify the check and that if they werent able to do so within a time frame the money would go back to the state. On XX/XX/XXXX I had tried calling customer service to provide as much information as I could to help them verify it. I gave them the number to HR at the prison, gave the the number to the accounting manager of payroll and they couldnt call because their system couldnt verify the numbers. Theres really not any other numbers because I work for the government. Ive gone now one month without pay and in the verge of bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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:
In review on XX/XX/2023 of my XXXX account number XXXX a late payment was reported for XX/XX/2023. This is incorrect. My account was not late. I spoke to a XXXX XXXX representative on XX/XX/2023 regarding my account was told payment I needed to pay {$60.00} by XX/XX/2023. I paid {$93.00} on XX/XX/2023. However, on XX/XX/2023 a late payment was reported on my credit reports, XXXX, Experian and XXXX. This account is not 30 days past due. Reviewing of the payment history is impossible to indicate my account is 30 days late. I called XXXX at XXXX regarding this issue and emailed them and was told their records state I am current and in good standing. I needed to call the credit reporting bureaus. I called the credit reporting bureaus, XXXX, Experian and XXXX and I was told to contact the merchant directly, in which I had already done.

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 2023-10-16
Company: KEYCORP
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am writing to express my concern and dissatisfaction with the manner in which my recent dispute over unauthorized transactions has been handled by Key Bank. 

On XX/XX/XXXX, I disputed two transactions with Key Bank institution : one for {$700.00} and another for {$9.00}, both from the same merchant. As per 15 USC 1693f, they had ten business days to investigate my claim and mail results within 3 business days. I received findings in the mail during the week of XX/XX/XXXX, but the findings only addressed the {$9.00} charge, which was denied. There was no mention of the {$700.00} charge, which is a clear violation of 15 USC 1693f requiring financial institutions to provide a written explanation of their findings within 3 days. 

Furthermore, the law under 15 USC 1693g say they didnt conduct a proper investigation. I just want answer to why was I an consumer have to be violated and why Key Bank isn't in compliance with the law? 

I spoke to a supervisor today who is very helpful by the name XXXX. She directed my call to a lady name XXXX in the Executive department.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-28
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Notice to repossess

Complaint:
I was unaware of us auto sales selling they're loans to another company due to them going out of business and was not made aware of how to continue paying off my auto loan and was unable to get information from us auto sales. My truck was just repossessed by the new company Westlake financial and this is the first I've heard of said company owning my truck now.

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 2017-05-10
Company: STERLING JEWELERS, INC.
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I disputed the information with  XXXX ,  XXXX , and  XXXX  that the information is not matching up that Kay 's Jewelers is reporting on   XXXX   XXXX   and  XXXX   XXXX   XXXX   XXXX   The information came back verified with All  XXXX  bureaus both times. They all stated I have to contact original creditor, Kay Jewelers. On   XXXX   XXXX   XXXX   Kay received my letter  XXXX . They have not responded to my letter/request or acknowledged receipt of my letter. They are not in compliance with the provisions of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: Experian Information Solutions Inc.
State: WA
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. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : # 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 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 explanation
Consumer complaint received 2023-05-28
Company: Experian Information Solutions Inc.
State: PR
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 recently received an Experian alert regarding a credit inquiry made by XXXX  XXXX XXXX on XX/XX/2023, without my consent or authorization. It is crucial to note that my Experian report includes a fraud alert, which mandates that any company attempting to access my records must first obtain my approval, as stipulated by Section 1681b ( c ) ( 2 ) ( E ) of the Fair Credit Reporting Act. Unfortunately, XXXX XXXX XXXX failed to comply with this requirement. As a result, I have the right to request the removal of this unauthorized inquiry 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 2018-10-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage with XXXX XXXX for {$570.00} k Int at 8.95 %. XXXX suffered hardship of a divorce and asked for a Modification sent complete package. XXXX kept asking for the same documents over and over and it was denied. Called XXXX and I was told not to make payments for them to help me. Insurance was placed and was charged two times one for {$3400.00} dlls XX/XX/XXXX and the following month {$1600.00} XX/XX/XXXX. on XX/XX/XXXX rec. The cost on insurance {$1000.00}. On XX/XX/XXXX had insurance placed again for {$3400.00} dlls. Now my balance was $ XXXX with all the int and over charging of insurance {$7500.00} dlls. XXXX kept loosing documentation and I kept sending it back to them. On XX/XX/XXXX received notice of default letter. Loan was sold to XXXX XXXXXXXX XXXX on XX/XX/XXXX. I kept sending the same package for a modification. 
on XX/XX/XXXX Modification was denied. Sent them another package for modification and it was denied again XX/XX/XXXX. Now XXXX XXXX  XXXX kept adding charges to my account and insurance was placed XX/XX/XXXX at {$4400.00}, overcharged {$3000.00} dlls. On XX/XX/XXXX insurance was placed again {$2500.00}, over charged {$1500.00} dlls. On XX/XX/XXXX Insurance was placed again {$5900.00} dlls, over charged XXXX dlls on XX/XX/XXXX trustee sale recorded balance $ XXXX. House was sold for $ XXXX XXXX. I filed for Bankruptcy the same day and sale was rescinded. Loan transfer to XXXX XXXX XX/XX/XXXX. I Kept sending complete packages for modification. Again denied on XXXX. On XX/XX/XXXX XXXX XXXX approved Modification with a Loan Balance of $ XXXX and received a letter that all late charges would be waived. There were no charges waived. The Banks kept loosing my paperwork purposely to be overcharged.My Loan was modified to {$2400.00} XXXX dlls per month 2 % int. I would like help on lowering my Principle. As you can see I have been overcharged on placement insurance, and many extra fees that I was over charged for not approving me and string me along to charge all the fees. It took 6 years to approve the modification unbelievable, And I have documentation to support everything. The Value of my home at this time is around $ 750K. The loan is underwater and it has been for 4 years. I called the new servicer SPS asking for the accounting of my loan since it originated. It took about 5 calls and finally they sent one. It can not be read I called them to explain the ledger form it was sent and I was told someone will call me back to explain. I need help on lowering my principal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: Experian Information Solutions 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:
Over the past few years I 've been disputing an outstanding collection on my credit reports with experian and XXXX. The situation is i purchased a cellphone from XXXX through XXXX XXXX XX/XX/2014. I was told there was a 14 day return policy if i did n't like the service. The service was horrible and i returned the device. I was told the account was returned and close as i was switching back to XXXX.  Down the line a receive mail stating I owe XXXX XXXX XXXX for something that i returned and do not own. I returned to XXXX XXXX to get a copy of the retiring receipt which i forward to the collection company ( XXXX XXXX XXXX and the Reporting agencies ) I would like these accounts removed from my report being that i followed all guidelines of returning the device.

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