BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: SC
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:
My identity was stolen in XXXX XXXX XXXX. I contacted upon discovering that online purchases had been made, but not by me or with my consent. The bank XXXX stated that there was nothing that they could do to help me. I called consumer reporting agencies also known as the credit bureaus. I was passed around from agent to agent. No resolution was reached. The fraudulent accounts were eventually removed from my reports. However, upon attempting to purchase a home. I discovered that accounts have reappeared on my consumer reports. I need this information removed permanently.

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 2023-11-02
Company: Experian Information Solutions Inc.
State: LA
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:
Company : XXXX XXXX XXXX Amount : XXXX Opened : XX/XX/2023 Company is not a legitimate company. A previous dispute of the same amount was removed and deemed not legitimate. Information from the original company was sold to them. This account was also set up for a TX residence. I have proof of residence in LA. 

All of credit bureau reports have been frozen for over a year. There is no way a new account could have been opened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Company: Experian Information Solutions 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 status incorrect

Complaint:
The company is on my report is XXXX XXXX i never had and account with them

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 2022-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I sent XXXX XXXX transactions to my wife from my Bank of America business account to her phone number registered at Bank of America personal account ( also in my name ). I sent a test transmission of {$1.00} to confirm the process was done. I subsequently sent 3 transactions and : the funds left my corp account and was never recieved by the personal account. I called Bank of America and they told me that it takes 10 business days to resolve. I waited until the XXXX day and the they are now telling me : The process can take XXXX business days, and the " claim '' can be denied. The supervisor / manager in the dept told me today, if it is denied, my only recourse is to get an attorney and sue them and XXXX. I really don't find this as a satisfactory answer for what all appears to be a glitch in their system. 

CLAIM NUMBER WITH BANK OF AMERICA 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 2022-06-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax has been negligent in removing thirteen ( 13 ) credit accounts that are all appearing as paid closed accounts, the date reported is more than ten 10 years from the Date Reported on all of these accounts. Note that Equifax is the only credit reporting repository that is still reporting these old stale dated accounts. 
1. ) XX/XX/GATEWAY- Closed XX/XX/XXXX XXXX. ) XX/XX/LENSCRAFTERS- Closed XX/XX/XXXX XXXX. ) XX/XX/WALMART- Closed XX/XX/XXXX XXXX. ) XX/XX/GAP- Closed XX/XX/XXXX XXXX. ) XX/XX/QVC- Closed XX/XX/XXXX XXXX. ) XX/XX/CARECREDIT- Closed XX/XX/XXXX 7. ) XX/XX/XXXXXX/XX/CARECREDIT- Closed XX/XX/XXXX XXXX. ) XX/XX/ULTRA- Closed XX/XX/XXXX 9. ) XX/XX/XXXXXX/XX/THOMASVILLXX/XX/XXXX Closed XX/XX/XXXX 10. ) XX/XX/PEACHDIRECT- Closed XX/XX/XXXX 11. ) XXXX XXXX Closed XX/XX/XXXX 12. ) XX/XX/IKEA- Closed XX/XX/XXXX XXXX. ) XXXX XXXX XX/XX/XXXX- XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: LA
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was unable to access my online account starting on XX/XX/2023. After contacting Citizens Bank that day, I was advised that they were reviewing my relationship with the bank and I was unable to access my account. This has been the answer I was given each time I called, with no explanation as to why the relationship was being reviewed or even an end date as to when this would be completed. I again attempted to speak with Citizens Bank today on XXXX and reached a supervisor. After explaining the situation and advising that all I wish to do at this point was access my funds and close my account, I was told I was unable to do that due to the review. When I asked when this review will be completed, I was told that there was no end date and that I may receive a letter within XXXX business days after the review is completed. At this point, I wish to end my relationship with the bank, but I am unable to and no one will tell me why.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: CA
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 address of XXXX XXXX XXXX XXXXXXXX ca XXXX and the address XXXX XXXX XXXX XXXX XXXX ca XXXX are addresses in not associated with multiple fraudulent dredit cards and bank accounts were opened in my name and sent to those addresses I tried to call and have them removed but I was told they where flagged.

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 2022-10-31
Company: Chime Financial Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/22 XXXX22 Several charges and transfers as well were made on my account online as well as in post office in XXXX XXXX and XXXX XXXX  money orders in a row on XXXX and XXXX of XXXX. CHIME Bank is denying my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: CITIBANK, N.A.
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:
I was solicited with a promotional APR e-mail by Citibank Retail Services for their Wayfair credit card. The promotion reads : '' with one click, please enjoy this promotional APR of 2.99 % on all new purchases after activation made outside of Wayfair, XXXX & XXXX, XXXX, XXXX XXXX and XXXX with your Wayfair Mastercard until* XXXX " I activated the 2.99 % APR promotion and then made a purchase of {$4700.00} OUTSIDE of Wayfair as the promotion stated. 

I have since been charged +30 % interest for 3 billing cycles. 

While being charged over 30 % interest, I continue to receive e-mails from Citibank Retail Services that read as follows : " remember, your limited-time promotional rate of 2.99 % applies to all new purchases made outside of Wayfair, XXXX & XXXX, XXXX, XXXX XXXX and XXXX with your Wayfair Mastercard untilXXXX XX/XX/2023 '' I spoke with 2 customer service representatives for Citibank Retail Services and neither of them could " locate '' the promotion that I was referencing. When I offered to forward the e-mail, the representatives said they had no way of receiving e-mail. 

I was then intentionally transferred to a non banking department that was completely clueless about to help me.

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 2023-06-27
Company: Consumer Adjustment Company Incorporated
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX was posted on my credit report in XXXX. I have disputed this from various debt collectors and they proceeded to post this debt on my report. I do not owe that debt anymore it has been XXXX years now and they just added it to my report saying that it is a new debt and reported false date as of XX/XX/XXXX. I never owed {$7000.00} to XXXX XXXX the initial debt was {$3000.00} or {$4000.00}, so they are reporting false information on my account.I do not owe this debt anymore because I disputed this plenty of times and it was removed off of my credit report after 30 days and there was no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
Early in XXXX I began to receive emails and phone calls from XXXX. I have never used XXXX, so I assumed these contacts were fishing attempts. Later I discoverd that XXXX had pulled up a deliquient account from XXXX, with my name and address on it. They explained to me that the bank who had opened the account in XXXX is no loner in service, but in XXXX they reinstated this transaction. Apparently someone opened this account, but left it with a deliquent balance. I have made dozens of calls to XXXX, made contact with at least 6 account managers and investigation personal, and no one seems to bring me to a full knowlege of anything about this fraudlent account. I was finally told by a gentelman named " XXXX '' that the case had to go to the " back office '' to be resolved. In the meantime I have only received " Claim Review Completed '' letters, stating my claim is not approved because I " authorized, participated, or benefited from the purchase. '' I have come to the conviction that this response will only be repeated again and again. 
I know that this is an unauthorized fraudlent account for many reasons. In XXXX, when XXXX claims I opened this account, I was a full time, inner-city missionary in XXXX. I lived in a mission compound in a very depressed section of XXXX, serving the needy in that community. I did not own a computer or have any knowledge of XXXX. I did not own a home, apartment, automobile, and rarely shopped. I did not even receive pay or salary. I lived by faith and was a full time volunteer. Later in XXXX, began to teach school, and worked in the XXXX XXXX XXXX with displaced teens. I now work at XXXX University Prep Schools with at-risk kids. 
My credit report shows that I have never had a deliquient account, except this, which somehow, after 15 years is now appearing. I am in the middle of applying for a mortgage and my credit score has taken a hit, and it is imperative for this to be removed immediately, as it restricts me from qualifying for a conventional loan.

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 2019-04-11
Company: Medical Data Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was in a motor vehicle accident. The other vehicle ran a red light t-boned me and destroyed my vehicle. I was transported to the emergency at XXXX regional by ambulance when I arrived the insurance girl started that the person who was at fault would cover the visit so she wouldn't need my personal medical insurance card ( which I tried giving her by the way ). She said motor vehicle accidents would be covered by the auto insurances in the law suit which is still open. The collection agency contacted me at a later date stating that I owed the amount for the ER visit and I explained to them what happen and gave them my lawyers number and name. Never heard back from anyone next thing I noticed I was in collections for the amount of the Er bill.

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 2023-04-10
Company: U.S. BANCORP
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
US Banks failure to disclose the additional Wind and Hail Insurance monthly escrow payments exceeded the income/debt ratio of 28 % for me at the time of closing. That is the ratio used by most banks for loan qualifications unless U.S. Bank has different rules. US Bank failed to disclose any Wind and Hail escrow deposit required at closing costing me an additional escrow payment of {$1700.00} 8 months after closing. Prior to closing I ask several times if the additional wind and hail policy was required by US Bank and was told by XXXX XXXX on more than one occasion that it was not required. He told me that it was not required because my home was not located in a flood zone. I am attaching an email from XXXX XXXX @ US Bank telling me that that the wind and flood insurance is not a requirement. That answer sounded reasonable, so I did not question it after that. That was the end of it as far as myself and US Bank was concerned. However, after realizing the potential risk I decided to purchase the wind and hail policy on my own. I set it up on quarterly payments to allow me time to save up for the payments. I relayed this message to XXXX and told him I would send him a copy of the policy just for the record. I was unaware that he submitted my wind and hail policy to underwriting until about a month ago when I called him and ask what was going on with my increase in payments. This has now caused me to bring into question the trust I thought I could have with US Bank and possibly their intentions to get my loan closed and on the books. I am attaching a copy of the closing statement details on my loan # XXXX. 
I attempted to resolve the shortage issue with the mortgage department but was denied and sent a letter citing a VA requirement that the funds for the additional insurance had to be held in escrow. I have included a copy of the letter. 
XXXX XXXX XXXX in the mortgage department is my only contact at U.S. Bank, he was my closing processor. I am attaching a copy of the letter denying my request to not have the wind and hail insurance to be held in escrow, signed Escrow Department. I have included a copy of the letter. 
I am an active XXXX XXXX XXXX license # XXXX in the state of North Carolina and a retired military veteran with over 22 years on XXXX XXXX. 
Your assistance in resolving this matter would be greatly appreciated. 

Encl : ( 1 ) XXXX XXXX email stating wind and hail not required Encl : ( 2 ) Closing statement page 2 from XX/XX/XXXX Encl : ( 3 ) XXXX XXXX XXXX XXXX XXXX  dated XX/XX/XXXX showing Current Payment Plan ; Quarterly Direct Encl : ( 4 ) US Bank denial letter dated XX/XX/XXXX signed escrow department Respectfully, 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 monetary relief
Consumer complaint received 2021-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, PA XXXX. RE BankAmerica. Consumer Checking Acct XX/XX/XXXXChecking BA XX/XX/XXXXXXXX, Transfer scheduled to XX/XX/XXXXAcct XX/XX/XXXXXXXX XX/XX/XXXXCFPB, I am filing a complaint against BankAmerica XX/XX/XXXXreport a bank error, XX/XX/XXXXXX/XX/XXXXrecoup the loss I incurred because of it. 
On XX/XX/XXXX, XX/XX/XXXX @ XXXX XX/XX/XXXX, I sent a transfer of {$600.00} XX/XX/XXXXmy account at at XXXX bank ( XXXX ), called an outside bank. This was made XX/XX/XXXXfrom my inside my user profile at BA electronically. I paid for my transfer in 1-3 days I placed it before the bank opened XX/XX/XXXX. 
It never processed until the next XX/XX/XXXX. When funds didn't arrive at my XXXX bank ( Acct XXXX XXXX ) in time XX/XX/XXXXbe debited for a bill scheduled, XXXX paid it, XX/XX/XXXXaccessed a fee of {$36.00} I ask your office XX/XX/XXXXdirect BankAmarica XX/XX/XXXXremburse me for {$36.00} overdraft fee. It processed outside the normal schedule which I paid fo ( XXXX days ), Even as I contacted B/A on XX/XX/XXXX, morning, XX/XX/XXXX, XX/XX/XXXXsimply request XXXX reach XXXX anytime XX/XX/XXXXinform them said transfer was being sent BA refused, adamantly XXXX 
BA states XX/XX/XXXXisn't a banking day -- despite that I submitted my transfer before the bank opened that day. 
Thank you for your attention in this matter. 

Sincerely, XXXX XXXX XXXX XXXX. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions 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:
My aka name, current previous address, cell number, employment history, account ( XXXX XXXX XXXX XXXX XXXX XXXX - not mine ) mixed with someone.

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 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Fair Credit Report Act, XXXX XXXX  account # XXXX and acct # XXXX has violated my rights and clearly in violation of 15 USC 1681 . Both accounts are reporting illegal late payments and inaccurate days of these late payments.

15 USC 1666b says .... A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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

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 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
I have spoken with or written Transunion XXXX about the same debt. I am not disputing this debt, just the way it was reported! The original creditor was Smart sales and lease, they stated the XXXX date of delinquency was XX/XX/2019. This impacted my credit negatively by about 40 points. Then they sell the debt to XXXX Collections, i did not receive any type of communication for this but the collection account was added to my report as of XXXXXXXX- and 40 or more-points were deducted again from my report! I have been disputing the way this was reported and they keep denying the dispute stating that the debt is valid, I know that i am not disputing that. My initial dispute I stated that the debt was reaged due to it being the same debt, but the collection agency added to my report using another date. Transunion stated that the collection agency was in there right to add it to my report as a negative account therefore impacting me twice. I know i owe the debt but i am working on getting my credit together and it will take time, but it seems like these credit bureaus are not helping. They take 30 or more points from you when you fall behind but once you get back on track, they want to add 5 or 6 points a month to your report and thats not fair!!!

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 2023-03-17
Company: Experian Information Solutions Inc.
State: PA
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 already filed a complaint as of today, only one account was deleted from my credit report. I requested all 3 bureau 's to remove 3 accounts total that does not belong to me. They only removed 1. They updated the other two and kept them on my profile. They are aware of the identity theft and also have that note on my profile and still haven't removed the other two accounts. The other two account I need removed is from XXXX XXXX XXXX. These two accounts do not belong to me.

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