BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-05
Company: Experian Information Solutions Inc.
State: CO
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 believe I have reported the accounts as disputed already and have not received a response, but I am requesting the credit bureaus do a full debt validation investigation with the creditor 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 2016-03-28
Company: Seterus, Inc.
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had an overpayment of property taxes last year. The city refunded over {$600.00} to my mortgage company for the over payment. That money should have been sent to me within 30 days. It has never been refunded. They 've told me several times that it would be and that " a check request has been submitted ''. I started talking to them in regard to this situation in XX/XX/XXXX. They are holding my money illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

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 2023-04-07
Company: JPMORGAN CHASE & CO.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am still having an issue of opening a Chase Checking Account online at chase.com because of the fraudulent account that was opened in my name. Chase originally informed me that fraudulent Chase checking account that was opened in my name, the fraudulent account was closed, I wasnt responsible for the fraudulent checking account and that I could go online at chase.com to apply for a Chase Checking Account, but when I try to apply for the Chase Checking Account online. The online system on chase.com stated theres already a Chase Checking Account that exist on record. Thats the fraudulent Chase Checking Account that has not being deleted or removed from chase online checking account application process or Chase Electronic Records. Full Name : XXXX XXXX XXXX, DOB : XX/XX/1974, SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax never provided me with contracts for fraudulent Student loans taken out in my name online so I filed a bankruptcy because I refuse to pay for something I never applied for. Now Im paying for student loans as though I applied, I told the attorneys I did not apply for student loans and with the bankruptcy Equifax is still reporting these loans on my credit report and other accounts that are included and have been denied through the bankruptcy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dear Citibank, I am writing to bring to your attention a malfunction that occurred at one of your ATMs located at XXXX XXXX XXXX, XXXX, New York XXXX on XX/XX/2022 at XXXX. The ATM ID is XXXX. 

On that day, I attempted to deposit {$3700.00} into my account using the ATM. However, the machine stopped working during the transaction and did not complete the deposit. I immediately contacted your customer service department to file an investigation. 
I was informed that there was only {$50.00} found in the machine and I was credited with {$50.00}. I then spoke with the branch manager and was told that the investigation would continue. However, I received a response later that there was no deposit of {$3700.00}.

I am extremely dissatisfied with the outcome of the investigation and the lack of assistance provided by your customer service and branch manager. The malfunction of the ATM caused me great inconvenience and financial loss. I strongly urge you to take appropriate measures to ensure that such incidents do not occur in the future. 

I look forward to hearing from you soon and hope that you will take appropriate action to rectify this matter. 
Sincerely, 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 monetary relief
Consumer complaint received 2022-10-18
Company: M&T BANK CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
a guy asked me to send some money to a girl because she had to buy some things for his kitchen and that doing this pleasure for him i can have some money, so he sent to me a check of XXXX $ and i sent the money to this girl and i bought two XXXX card for her, but after that my bank account was blocked and i went to the bank for understand why and they told me that maybe the check waa fraudulent. 
my bank is M & T bank

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had 2 card cards from Citibank. XXXX XXXX and advantage card. I had XXXX XXXX  for 29 years. It is my first card and it is very special to me. I never had a problem and my balance is XXXX  and I pay always on time. The second card is a new card I applied for it because XXXX XXXX had an offer with citibank that If applied for the card I will get XXXX Air miles. The second card had also XXXX balance. When I called citibank they told me that we closed your account because you applied for many credit cards in a short period. I did apply and I had my own reasons ( example : I applied for XXXX credit card because it has the same offer with XXXX XXXX ). but if all my credit cards and department store cards which are around 28 cards has XXXX balance. My available credit or amount to spend is over {$110000.00} and my credit score is over XXXX then I do not see a reason to close my Account under the excuse that I became a risky person. For a loyal customer for 29 years I deserve at least a phone call before closing the account. Or they could reduced my credit limit to lower amount but closing them in this way it 8s totally not respectful. As a result of citibank action my XXXX limit best buy card was closed. This one has a XXXX balance too.

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 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of XXXX. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by XXXX XXXX XXXX XXXX, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and XXXX XXXX with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of XXXX. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2022-12-09
Company: Experian Information Solutions Inc.
State: TN
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 moved out of the XXXX XXXX under XXXX  XXXX law XXXX which gives me the Right to move out. I notified the landlord of my intentions on XX/XX/XXXX and also noted that I was filing a HUD complaint.Landlords are prohibited from harassing or retaliating against tenants who exercise their legal rights. In Tennessee, landlords are prohibited from terminating a lease, increasing rent, decreasing services, and threatening to bring an action for a possession because a tenant : Complains to a government agency. On XX/XX/2022 was the XXXX Retaliatory Act. Then XX/XX/XXXX, the landlord submitted this to XXXX. XXXX has now hit my credit for an illegal unowed debt. This case is under HUD and every day Experian reports a false debt and denies me credit will be responsible for violations un FCRA. It was reported on XX/XX/2022 so I am entitled to {$1000.00} for every day they have violated my Rights and refuse to report accurate information causing me harm.

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 2022-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
This compliant is regarding an unresolved Capital One Credit Card dispute case number XXXX Capital One did not resolve the dispute initiated in the amount of {$20.00} billed on XX/XX/2021. Capital One communicated that they did not receive response to asssit with the claim. The consistent lack of providing card member support regarding disputed transactions does not meet their advertised member service and agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I believe the information on my credit report is in accurate among all three bureaus and has so many inconsistencies. I sent a letter to all three credit bureaus asking to validate the debt on my report and they responded with the account being validated and verified. 

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. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OR XXXX Account number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX Bank of America XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2022-10-18
Company: EQUIFAX, INC.
State: TX
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. 

Account name : XXXX XXXX XXXX, Account Number # XXXX, Account Name : XXXX XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX, Account Number # XXXX, Account Name : XXXX XXXX  XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX, Account Number # XXXX Account Name : XXXX XXXX, Account Number # XXXX and Account Name : XXXX XXXX XXXX, Account Number # 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 reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a BP BUSINESS mastercard my only uesd it for the frist time on XX/XX/XXXX at XXXX XXXX XXXX for XXXX and when I tried to used my card again on XX/XX/XXXX my card was denied so I call and ask them way! And they told me my card was block to used ur card out of network and I need make a payment frist before they unblocked my Card I talk to XXXX different people and no one couldn't help me but telling me to make a payment..after that I look at my account online and there was transaction trying to be made on XX/XX/XXXX at XXXX I told that wasn't Me and and they still blocked my card and told me I probably don't get my card!!! After I told my information was Stolen and I need a new card they tell they can't do nothing...

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 2022-10-18
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Comenity Bank charged me {$2.00} after a payment in full was paid. The said charge was not sent via email statements as it was not a " charge '' leading to issuance of a statement. I was further charged with a 30 day late, 60 day late and I assume a 90 day late on my credit. I have the statement and recorded call wherein Comenity cleared the outstanding balance and stated the charge was correct due to XXXX balance. My credit score dropped XXXX points IN THE MIDDLE of a vehicle purchase. My interest rate doubled from 5 % to 10 % directly related to this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-18
Company: SLM CORPORATION
State: IA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have Sallie Mae for a private student loan. Over the time I have had the loan I have been on a repayment plan before. During my reduced payment plan, I made every payment on time. At the end of the one year period, my payments went back up. I was able to scrape together the higher amount for a few months, but now have gotten behind. I called them several weeks before my next payment was due to tell them that I could not afford the payment, and asked what my options were. I was told that there was nothing they could do for me until I was over 30 days late. I missed the payment. I called back today ( over 30 days past due ) and was once again told that there was nothing they could do to lower my payment. I want to be responsible and pay, and they will not work with me whatsoever. The cosigner on my loan is my now XXXX grandmother who is on social security/fixed income and is unable to help me at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I started the process to refinance both my properties in XX/XX/2020 with AmeriSave Mortgage. AmeriSave provided a Loan Estimate with a breakdown of interest rate and fees. The interest rates and fees were fairly good and reasonable, so I decided to go with them without shopping around. I requested to lock the interest rates and fees ; however, I was told by AmeriSave Loan Originator that that is not needed and that they will match existing Loan Estimate numbers at closing. Over for months later, AmeriSave called me and said that they are sorry but they are not able to match as promised. Either I take the new rates and fees or just not go through with the loan. They said that I am not the only one that they doing this to so they are not able to help as it is coming from their leadership and investors. I feel this is unethical and I do not believe this is allowed to go on as a business practice to bait someone and then switch during closing. This company needs to held accountable and stop taking advantage of customers during this time.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
My name is XXXX XXXX XXXX XXXX. I am filing this complaint as a living man against your company that is causing harm to my finacial reputation. You claim to have verified this account however the account is incomplete which is a violation of the FCRA. Your company continues to report an account with incomplete and inaccurate information. The account has an abbreviation for the furnisher name as XXXX. This is incomplete information. That same account is reporting an incomplete account number of XXXX. Lastly the EXPERIAN is reporting a date of last activity of XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Both of these can not be true. Your company is also reporting another account that you claim to have verified as XXXX. This name reporting is incomplete. That same account is reporting an incomplete account number of XXXX. Lastly this account has EXPERIAN reporting a date of last activity of XX/XX/XXXX while XXXX is reporting a date last active of XX/XX/XXXX. Both of these can not be true and my consumer report be accurate. You must verify or delete this incomplete and inactivate information. This is my last correspondence before I send you an invoice for the damage caused to me. I will seek legal remedy if you fail to comply.

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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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, XXXX XXXX XXXX Account # XXXX, Account # XXXX and XXXX Account XXXX XXXX have violated my rights. 15 U.S.C.1681 section 602 A states that I have a right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states that 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 2018-08-30
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They are texting me and sending messages via social media. I have all the messages saved- they arent leagally authorized to do either.

Company response to consumer: Closed with explanation