BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 recently sent XXXX, XXXX, And TransUnion Disputes and Neither of them responded to my request which forced me to send them a 30 day demand to comply and they have not still shown any acknowledgment of me contacting them I have attached the letters I recently sent to the companies for reporting inaccurate information in my credit report and not removing the inaccurate information.

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 2023-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We were part of and/or involved with the Bank of America scandal in 2008. I am a XXXX XXXX veteran and a single parent. Due to my sons and my own health issues I was forced to take unpaid time off from work. Along with time off, I worked for the XXXX XXXX XXXX and we were working under imposed work rules due to failure of contract negotiations which caused sequestration. I attempted to deal with Bank of America on my own and numerous times, over the course of 18-24 months, the agents I actually got to speak to told me NOT to make any payments toward my mortgage. I was told the payments would not be applied toward my mortgage and would be sent back. I attempted to make a payment or 2 anyway but as the agent told me my payments were returned to me. At the time I had paid a significant amount of the mortgage down but got behind due to the above reasons. Eventually I was forced to hire an attorney which cost me over {$10000.00} to have this matter taken care of. We ended up in court and a judge ordered a modification which I ultimately accepted. The problem was that because of the amount of time all of this took I ended up with over {$110000.00} in fees, interest etc. tacked onto the end of my mortgage. Additionally the terms were changed from a 30 yr mortgage to a 40 yr mortgage. My outstanding balance skyrocketed from {$270000.00} to over {$400000.00}, which is more than what I even bought the house for. Since this incident Ive been buried and struggling to make ends meet as I am the ONLY working person in my 4 person household. To this day my house is in foreclosure ( no sale date has been scheduled ) and things have only gotten worse.

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 2015-06-24
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Credit reporting agencies have a bankrubtcy in 2009 for me, this never happened. This is caused my scores to fall below the levels to buy a home even in the Hope program. As well I am a XXXX veteran and the creditors have attacked my ratings, I have been sick and will not return to a regular employment position due to XXXX. So all out dated claims against me need to be removed ASAP, I live in Indiana and much of the claims is outdated and has been sold to different lenders that do not have original paperwork with my signature anyway, and I have not confirmed any debts to anyone at any time. I have also protested some as fraud. Especially the Bankruptcy that never happened. This inaccurate report has further damaged my credit. My real estate was illegally foreclosed in XXXX case and short sell in another, and was subject to illegal mortgage practices by XXXX XXXX and XXXX XXXX prior to recession, XXXX XXXX put illegal insurance on my fixed rate loan and forced my payments to XXXX, causing a economic storm for me and my future. They have since admitted this illegal activity but it does not help consumers like me when we can not be properly reimbursed for losses, and damages to financial reputations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I opened a Best Buy Visa Credit Card ( handled by Citi ) on XXXX 2016. I  always have been diligent with the minimum payments, by paying before the due date. Unfortunately, I am getting my hours cut at my part time job, and I am experiencing some kind of trouble making the payments on time. In the event I have any issues with making payments, I always reach out to the creditors to work out an amicable solution. While some of them understood perfectly my situation and granted me one more week as extended grace period, unfortunately with Best Buy Visa Credit Card is not the case. They are difficult to work with, and this time I asked for one more day of grace period, since I got paid on XXXX XXXX and the bill was due XXXX XXXX, I did n't have enough funds available on my bank account to afford the minimum payment. I spoke with two different reps last week. First one, called XXXX, from the Tennessee office, helped me get an extension of the payment, for one more day, and assured me that my account wo n't be subject to late fees as a one time exception, and that the late fee adjustment will be applied within 1-2 billing cycles. Same information was confirmed by XXXX, another rep from the Tennessee office. When the new bill came, I was charged two different amounts, {$160.00} and {$100.00}, as minimum payment due. And then, I reviewed thoroughly the recent activity section and the late fee of {$37.00} was charged, along with {$44.00} of interest on purchases. <P/>This situation has caused me a huge deal of XXXX, as I do n't know what else to do.

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 2023-10-26
Company: Experian Information Solutions Inc.
State: IA
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 value you setting aside some margin to DELETE a portion of the data in my credit document ; notwithstanding, there are still items to be deletd. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm 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

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 2022-10-01
Company: Experian Information Solutions Inc.
State: VA
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  account numbers XXXX and 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 XXXX. states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2022-12-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I closed my account with Citizens bank XX/XX/2021. The keep re-opening my account and charging past due fees and reporting to the credit bureaus. They say that anytime some tries to collect money from my account they re-open it. I end up with negative balances and penalties. This account has been closed XXXX times now trying to work with them They are destroying my credit and holding me XXXX to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have disputed this account 3 times and each time Transunion has come back and said this account is mine. I have asked for method of verification, and they have not supplied that information. They are reporting and account on my credit report as an active payment history over 180 days past the statute limitations from an account that was supposedly sold. The sold account holder is reporting a balance each month which is illegal. Transunion refuses to investigate which gives me the right to sue according to the FCRA. I have a right to dispute all inaccuracies on my credit report. I want the accounts removed. 

XXXX XXXX XXXX {$1000.00} XXXX XXXX {$280.00} XXXX XXXX {$83.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: MD
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
The California XXXX XXXX payment issued to BOA debit card services by XXXX is a fraud! 

I am a victim of fraud! By XXXX BOA pre paid card services I am XXXX and my funds have been Fraudulently been confiscated, By Bank of America. 

On XX/XX/2022 I received a text message from XXXX indicating my disabilty funds were frozen and I needed to follow a link to XXXX. The link was http XXXX XXXX After following the link it sent me to Bank of America website where it asks to identify myself with a series of questions ; where I was born, what my favorite animal is, my favorite color, my family names etc. 

The following day my entire funds of {$1000.00} had been wiped out! My entire XXXX funds stolen! 

I call BOA pre paid card services XXXX number the Representatives are very unprofessional not adequately phone train have zero phone etiquette Very very unprofessional. 

I was told I could not file a claim with the Bank of America ( bank ) I had to file a claim through them the ( BOA prepaid card services ) which is a different entity from the bank but still part of Bank of America.?, I had to follow a series of questions to identify myself, then a new card would be issued ; but regarding the funds of over {$1000.00}. that were stolen by fake wire transfer ; Would be investigated would take up to 45 to 90 days after they determine their investigation. 

I have been taken advantaged of by BOA pre paid card services! I was sent this link by BOA please review the links attached as I took screen shots I have no money to pay my rent! I am a victim of fraud this was my entire XXXX  grant balance! They took all my money! 

Claim number to BOA pre paid card service phone number is XXXX Address to claims is Bank of America pre paid card services XXXX XXXX XXXX XXXX AZ. 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 2022-10-01
Company: BAM Management US Holdings Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2022 approximately XXXX in XXXX time I deposited to {$10000.00} to buy XXXX  on XXXX XXXX Binance.US. Now I get its Binance.US, but Im in XXXX because of work and I have a VPN that allows me to operate my US account abroad. Anyways, after making this deposit and buying my ethereum, my account was locked for security reasons. Shortly after, I reached out to their customer service and they told me to send a video of me holding my driver licenses stating the date, my name, email associated with the account and that I authorize the transaction. After the video was sent, they told me to wait until my account is done reviewing. Upon writing this email on XX/XX/2022, I am still unable to access my account. I have been reaching out to their customer service everyday and they all say the same stuff of your account is still under review and there is no eta. How is this exchange allowed to hold peoples money hostage for that long. Mine case is not even that bad. Ive seen people wait up to XXXX to get account unlocked. This is unbelievable and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: EQUIFAX, 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 I asked that incorrect information be removed from my credit report. Under USC 1681 they are required to investigate and conduct it in a manner that isn't just speaking to the supposed creditor. They failed to do the investigation per the law and haven't removed any incorrect information. Now is not the time for another investigation or to verify. That time has come and gone. I request all incorrect and negative info be removed for my report in the next 10days or be forced to pay {$1000.00} for every incorrect negative error on the report If you want proof of dispute look no further than the complaint filed XXXX with the cfpb. I've waited the allotted time now I will take action

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following account ( XXXX XXXX XXXX ) belongs to someone with the same or similar name. Please delete this 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 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
These Inquiries Hard do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 the accounts listed below as 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 

15 U.S.C section 604 A. States consumer reporting agency can not furnish an account without my permission.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer report ing agency the persons knows or has reasonable cause to believe the 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 non-monetary relief
Consumer complaint received 2021-08-24
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Our FHA mortgage was financed through PHH Mortgage Services for the year of XX/XX/XXXX - XX/XX/XXXX. They failed us terribly and have put us in a serious bind with our home and county tax office. They not only failed to pay the total amount of taxes owed originally around {$4800.00} now with an outstanding balance of around {$5400.00} with interest continuing to climb. The incorrect amount they can account for ( 2 payments totaling around {$1400.00} ) they paid it to the wrong account! I made them aware of their error back in XXXX after they sold our account and we attempted to refinance. During that process, the new company found the error, making us aware we were unable to refinance due to the mistake and negligence of PHH MORTGAGE SERVICES. After severe run around and no assistance, XXXX in the PHH escalations department assisted me in XXXX and confirmed with me the county lot number they made the incorrect payment was the incorrect account # by the very last number. He assured me that they would correct their wrong, took responsibility, sent it up to a superior, after all it was their mistake. We are now nearing the end of XXXX with no resolution! They have yet to make any changes. They have now decided to send an email stating there was no wrong doing and push the problem onto us and the new mortgage company. They claim the new mortgage company should roll the back taxes into our account. Why should that be the resolution? It's also not possible at this time. Keep your word and right your wrong. Make the necessary corrections. Pay what you owe to our taxes and cover all of the interest that has piled up as a result. We are fed up with the situation and want to move on. We simply want to refinance our home and we can't even do that because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: WELLS FARGO & COMPANY
State: TX
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:
made payment on one credit card, they applied on different credit card. I tried to call multiple times and even open case with Executive Team to apply to right account. There is no one giving clear answer. I decided to close account thinking to get my amount that was paid. They keep saying still under investigation Payment amt : XXXX $ dated on XX/XX/2020

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 2023-05-08
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
I have a fraud alert on my credit files. Today I found the following as a hard inquiry. 

I contacted them, and was told that my account had been approved and that credit cards were being sent out. I did not request this account nor did I attempt to open any credit cards or accounts. 

They verified my information and told me they would cancel the applications, cards and contact the credit bureaus to delete the inquiry. However I am very concerned with my fraud alerts being posted and them approving credit and cards. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
This is a follow up to Complaint XXXX. 

Capital One responded by saying that they owe me {$20.00} rather than the {$25.00} I had thought they owed me. However, they haven't given me even the {$20.00} in rewards they admit they owed me in the previous complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/2023 i opened an account with Citibank online. I had a few depsots placed into my account totaling about {$140.00}. About a week later i noticed issues with accessing my account. When i called they accused me of depositing a fraudulent check. Citibank then froze my account with my knowledge. When i tried to call again they stated that my account was going to be closed with no mention of receiving refund of the balance of my account. After calling back today XX/XX/XXXX i was told that it would be about 30-60 days until they close my account fully before a check from there corporate wouyld be mailed out for the remaining balance. i have call several time between XX/XX/XXXX and XX/XX/XXXX in regards to my account while receiving very litte to no help from Citibank officials.

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