BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-16
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
We transferred funds from our XXXX  checking account to our Citi ( COSTCO ) Visa account to pay our monthly bill of {$400.00} but mistakenly transferred {$40000.00}. Post date XX/XX/XXXX. Discovered the errorXX/XX/XXXX. 
Called Citi Bank XX/XX/XXXX 
1. ) XXXX Spoke to XXXX ( XXXX XXXX ) who told me NO WAY to electronic transfer {$39.00} back to XXXX  because no record that bank account in their records. THIS WAS A LIE! SHE REFUSED TO GIVE ME HER COMPLETE NAME OR LOCATION! Would have to send us a check in the mail. I don't want to risk a check this large in the mail. Her story changed every time she told me what could be done & the time frame. Asked to speak to a supervisor. She said she would get one & put me on hold. Eventually I was disconnected. 
2. ) XXXX Called back, Spoke with XXXX. Identical situation. 
3. ) XXXX Called back, Spoke with XXXX. Identical situation BUT she did connect me with XXXX, a supervisor. XXXX refused to provide last name, location or employee #. Very convenient! Did say she was in XXXX Florida and they had a XXXX XXXX. She investigated and told me that they actually DID HAVE all the XXXX  info & would process an electronic funds transfer but it would take several weeks. I don't understand why it will take that long & I NEED THE MONEY NOW! It was transferred to them instantaneously. In light of all the misinformation from Citi, I DO NOT TRUST them. 
Their Complaint??? ID # is 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 2018-03-12
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern, This letter is to inform you that XXXX XXXX XXXX/Resurgent Capital Services have failed to validate a debt collection that is being reported on my credit reports. On XX/XX/XXXX I sent a letter via certified mail disputing a XXXX XXXX account in the amount of {$1200.00}. This letter stated, as per the FDCPA, I have the right to request a VALIDATION of this debt. This letter also requested that an original agreement with their client to collect on this account, an agreement that bears signature of the alleged debtor and a complete payment history is to be included in their response to VALIDATE this debt. And that non-compliance of this validation request will require their collection agency to cease collection activities and reporting the information to my credit report as per my rights under the FCRA. On XX/XX/XXXX I received a response from Resurgent Capital Services that did not include the requested information or ANY type of VALIDATION. Instead, they included some sort of account summary with an invalid name and my current address. I know for a fact the original address reported along with this collection is an address that I never resided at. Also, this original account was opened when I was underage, which is against XXXX XXXX ' [ original creditor ] policy. In conclusion, I would like to state that this account is in fact not a debt owed by me, and is being reported incorrectly on my credit reports which is seriously affecting my right to enjoy the benefits of good credit. Please address this issue immediately. As my rights have been violated as per the FDCPA as well as the FCRA and I may be forced to take legal action against Resurgent Capital Services and XXXX XXXX XXXX if this issue is not resolved. I have attached the appropriate documents pertaining to this complaint. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Experian Information Solutions Inc.
State: FL
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, There are late payments on my credit report. According to law, I am a consumer. Under federal law this violates my rights and should not be placed on my consumer report. 

The list of accounts is in clear violation of the law, XXXX XXXX Acct # : XXXX, XXXX XXXX Acct # : XXXX has violated my rights. 

15 USC 1681b- Permissible purposes of consumer reports, THE LAW CLEARLY STATES : 15 USC 1681b ( a ) states - Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 USC 1681b ( 2 ) states - In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report? 

Furthermore, The FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( A ) ( i ) states report containing information solely as to transactions or experiences between the consumer and the person making the report. 

CONSUMER REPORT - ( XXXX ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 

PERSON - ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 

This is against the law to be reporting late payments on my consumer report, please DELETE the above late payment from my consumer report, this agency is in violation of 15 USC 1681 ( 2 ) ( A ) ( i )

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 2019-05-24
Company: Comerica
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
My card was fraudulently used when still in my possession on the following dates XX/XX/2019 in the amount of {$190.00} XX/XX/2019 in the amount of {$1300.00} XX/XX/2019 in the amount of {$20.00} XX/XX/2019 in the amount of {$1.00} XX/XX/2019 in the amount of {$76.00} On XX/XX/2019, I discovered when checking my account that there had beed fraudulent charges made on the above dates. I called Direct Express immediately and made a report. I was sent a questionnaire of fraud to fill out, which I filled out and returned immediately. After numerous phone calls to Direct Express I was given the run around. I finally received a letter dated XX/XX/2019 from Direct Express  stating that they had denied my claim because they could not confirm that fraud had occurred, even though I sent Direct Express proof that at the time my card was compromised I was in Florida when the charges were made in California.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-20
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2018-02-25
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: Old information reappears or never goes away

Complaint:
I have recently disputed the following account with the credit bureau ( XXXX  ) : XXXX XXXX   Acct : XXXX Balance : {$1400.00} The credit bureau subsequently removed this account from my credit file in XX/XX/2018. The account has reappeared on my credit file under XXXX XXXX. I do not have a contract with this company forging any financial obligation nor allowing them to report this debt to by credit. Per the law, all accounts must be validated and I must be notified before they are placed back on my credit file. I received no notification of this action or validation of this account after it had already been removed, nor do I owe a debt to this 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 explanation
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 filing this complaint for myself because I did not consent to, or authorize nor benefit from any of this account. Block and remove it. 
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 2019-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
See below, this person, whom does not even speak proper English, whom I can understand, is refusing to communicate with me via email, thus will not be dealing with this person ... ..so there needs to be someone that actually can refund the retaliatory fees B of A imposed and close this account as I want nothing to with B of A whom engages in discrimination and retaliatory fees being imposed for protected XXXX individuals. This will also be addressed by California DEFH, whom protects our class of individuals in California and I will go to all the XXXX centers to insure that they do not do business with B of A whom systematically engages in discriminatory practices. 




Enterprise Resolution XXXX To : XXXX XX/XX/XXXX at XXXX XXXX  Dear XXXX XXXX XXXX : Our Regulatory Complaints team has received correspondence on your behalf from the Consumer Financial Protection Bureau ( CFPB ) . 

I am your dedicated point of contact until this matter is resolved. Please note that the Bank of America email address this is being sent from is not monitored for incoming messages ; therefore, please contact me directly at the number listed below at your earliest convenience. 

Before I complete a review of your concerns, I need to confirm that you are the party who engaged the CFPB by speaking with you directly by telephone. 

Please contact me by XX/XX/2019, to confirm that information. My days and hours of operation are Monday through Friday, from XXXX XXXX  to XXXX XXXX. Pacific. 

I look forward to assisting you. 

Thank You, XXXX XXXX XXXX Resolution Specialist Regulatory Complaints Bank of America XXXX Extension 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 2023-03-01
Company: Experian Information Solutions Inc.
State: SC
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 XXXX of XXXX, XXXX XXXX and myself entered into a Covid Forbearance plan with XXXX XXXX  and remained in the covid forbearance plan until the home was sold in XX/XX/XXXX. After the home was sold, XXXXXXXX XXXX reported 150+ day late payments to all of the Credit Reporting Agencies in error. I filed a dispute with XXXXXXXX XXXX on XX/XX/XXXX to which they agreed that our loan was protected under the covid protections act at the time of payoff ( letter attached ). 

XXXXXXXX XXXX removed the late payments under the monthly status ( credit report from XXXX confirming this attached ) but did not remove the " XXXX '' code under the account status so the mortgage was still showing " 150-179 Days Past Due. '' On XX/XX/XXXX, I filed a dispute with the Credit Reporting Agencies to have the " XXXX '' code removed. On XX/XX/XXXX, I spoke with a woman in the leadership department with Freedom Mortgage who stated that they will not remove that code, even though we were protected under the Covid Cares Act. After this phone conversation, Freedom Mortgage changed how to loan was reported to a " XXXX '' code, now showing " 180+ Days Past Due '' and added " Collection Account '' under the account status ( dispute letter from XXXX attached ). 

I have letters from XXXXXXXX XXXX stating that the loan was protected under the Covid Cares Act at the time of payoff, I have documentation from them stating that they will report the loan as current during the forbearance period, as well as copies of their website stating the same information. All late codes and collection account statuses should be removed from all Credit Reporting Agencies as agreed upon by XXXXXXXX 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 2020-02-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying for years to get resolution with XXXX XXXX  and XXXX XXXX XXXX, as well as XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Pass Through Certificates XXXX. 

This mortgage was settled and paid XX/XX/2012. It was liquidated, charged off, paid off with Federal Relief Funds and all Investors were notified. 

The mortgage was included in Federal Court Case against XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. 

After I settled my case against XXXX  XXXX XXXX and the Judge ruled in my favor, XXXX  XXXX XXXX washed their hands of my mortgage and liquidated it. Then Select Portfolio Servicing assigned the themselves the servicing rights for a mortgage that has been paid off with Federal Relief Funds.

When I inquire about granting me a Full Reconvyence to SPS, they tell me that the Investor and Owner of the Account is XXXX XXXX XXXX. When I inquire through the Consumer Financial Protection Agency, XXXX XXXX XXXX  replies to my complaint with ; " We are not associated with this account ''. 

Now XXXX XXXX XXXX has written to SPS and hopefully agrees that a quick claim deed or Full Reconvyence will be granted. MIN # XXXX. APN # XXXX. 

I would like to put this behind me and move on with my life. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: MI
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:
Bankruptcy on credit report is pass the statue of limitation by law its been XXXX  years in havent been removed from all my credit reports by law, This need to be removed immediately. I try to resolved this issue but this is clearly has being a strain financially and cost me several XXXX of dollars trying to resolve this and do to the inaccuracies on my report I have suffered not being able to obtain credit fairly. This is clearly a violation and also According to 15 usc 1681 I have showed you actual damage Sustained by the consumer as a result of the failure advantage is not less than XXXX dollars and not more than XXXX dollars per violation

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 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, Transunion and XXXX are still violating my rights and hurting my ability to obtain credit by reporting inaccurate information on my credit report. They have failed to provide any proof I owe this company. Once again please provide the original purchase agreement with my signature that shows XXXX XXXX - # XXXX are the legal owner of this alleged debt including all the terms and conditions that are included in the purchase agreement, original application and all statements from open to close and the original agreement between me and XXXX XXXX with my signature, the names, addresses and telephone numbers of the individuals that the credit bureaus contacted during their investigation for XXXX  XXXX. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the reinvestigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. If XXXX XXXX can not provide requested information the credit bureaus must delete it.

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 2022-07-22
Company: United Shore Financial Services, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have been calling UWM : Customer Service : XXXX, United Wholesale Mortgage , LLC. 

for more than 6 months, trying to get this money. Many representatives before the last representative were trying to cancel the check, reissue the check but it turned out none of the requests was successful without a valid reason. 

I am requesting this amount of money to be sent to me as soon as possible, in a trackable form, as I can not afford to keep calling their customer support, all the time like this. 

Same goes to that company, as UWM can not keep processing the request to reissue a check, and the request keeps getting denied for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
We opened a credit card with Sam 's Club while activating our membership. According to the terms and conditions ( attached ) of the card, we would receive 5 % cash back on purchases with Sam 's club ( as XXXX members ), 3 % on XXXX Stations that accept XXXX, and 1 % on all other purchases. After XXXX weeks we received our first statement where we were ~ {$2.00} short based on the terms above. We called Synchrony bank to resolve the XX/XX/XXXX and the agent issued a {$10.00} statement for our trouble and assured us it would not happen again. We received our second statement today XX/XX/XXXX and were shorted once again. Upon calling synchrony bank ( We have the call recorded via XXXX file if needed ), we were informed that synchrony " does not handle rewards and how they are calculated using the sams club credit card ' by supervisor " XXXX ''. XXXX then transferred us to Sams Club member services as " they would ensure this was resolved ''. After being transferred to the Escalations department, " XXXX '' informed us that " Sams Club does not handle rewards calculations and it is handled entirely by Synchrony bank '' ( We have the call recorded via XXXX file if needed ). I asked XXXX to help us resolve the discrepancy to which she refused and stated we would need to contact Synchrony. Given the clear disparity between rewards to be given and rewards given, it is apparent that at a minimum for our individual account, we are not receiving the funds owed to us per the terms and conditions of the credit card, and are being blatantly misled in an effort to not pay out.

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 2023-05-04
Company: Experian Information Solutions Inc.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts : There is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Address XXXX XXXX XXXX XXXX XXXX, CA 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