BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-05
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:
On XX/XX/XXXX {$35000.00} were moved, without authorization, from my Citibank brokerage account to my Citibank checking account. Those funds were again moved, without authorization, back to the brokerage account that same day. Two weeks later, on XX/XX/XXXX, {$29000.00} were moved, again without authorization, from my brokerage to my checking account. I was subsequently " scammed '' into believing that that {$29000.00} was erroneously deposited into my checking account and that it should be returned. 

In mid XXXX my computer screen froze, with an on-screen flashing warning that the computer had been infected with a virus. A " XXXX '' phone number was provided XXXX XXXX XXXX XXXX. When called it was answered as " XXXX, technical support. My screen was cleared and I purchased/ downloaded antivirus software to ensure that future infections were prevented. After paying for and downloading the software, I realized that this might, in and of itself, be a scam. Using a different anti-virus software, I found that my computer had been infected. I had BestBuy wipe my computer clean and reload my software. 
XXXX, while working on-line on my checking account, I received a phone call from what I thought was a legitimate representative of XXXX. He was calling because " XXXX '' saw that I had deleted their software and that they were going to refund my money. While the " representative was " working on processing the refund, '' {$29000.00} appeared as a deposit in my checking account. The " representative '' claimed that he had made a drastic error and that I had to immediately return the {$29000.00}. I agreed to make the return but that I would spread it over three payments, so as not to go over the {$10000.00} threshold. He provided a wire transfer bank account and I wired {$9800.00}. 
Later that day I discovered the XX/XX/XXXX {$35000.00} transfers and that the {$29000.00} had been transferred from my brokerage account. I again called the ( XXXX XXXX XXXX phone number. The individual who answered told me to f*** off and hung up. When I called again there was no answer. 

I immediately reported all this to the Citibank Fraud Unit ( Case # XXXX ), the NY State Police ( XXXX # XXXX ), and the FBI Internet Crime Center website. 
On XX/XX/XXXX I was informed by the Citibank Fraud Unit, by telephone, that since the receiving bank ( in XXXX ) was not cooperating, my {$9800.00} was unrecoverable and that the case had been closed. My only recourse was to file an Affidavit of Unauthorized Online Wire Transfer, which I have done. I was advised that, since I had ( been scammed into ) authorized the Wire Transfer, my " appeal '' would most likely not be approved.

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 2021-04-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a dispute to the credit bureaus about a collection ( XXXX XXXX ) and have not received a response back or any results

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 2021-04-04
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In approximately XXXX I accrued a debt issued from XXXX. I had received information at around XXXX through a third party XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX ). I had settled with them XXXX XXXX account XXXX XXXX XXXX XXXX on XXXX, where it was established that this account was removed from my credit reports with the three majors. The original debt was not removed. It was then sent to ERC XXXX XXXX XXXX XXXX, FL XXXX and once again paid in full on XXXX with confirmation on XXXX. It still remained on my credit reports, this time through ERC. Then of XXXX XXXX I had seen a reduction in my credit score once again associated with ERC and XXXX. I once again settled and resolved. No removal was issued, no refund because the account was already settled with XXXX XXXX Services, and still this account is reflecting negatively on my report. Account reference numbers for ERC are XXXX. The account was paid the third time with ERC on XXXX XXXX. Once again, this still stands on all three major credit reports of mine through XXXX and ERC, after already being resolved yet never removed through XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: LEXISNEXIS
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I applied all the necessary steps to get the credit bureaus to remove a third party reporting my bankruptcy on public account. They didnt complete a thorough investigation into reporting my bankruptcy. I contacted the bankruptcy clerk. They stayed they do not/will report to the credit bureaus. I asked the credit bureaus to correct their mistakes they doubled down and refused to remove the illegal reporting. I have last jobs Opportunities and other things based on them not correct in their mistake. I want to recruit charges for them not correct in their mistakes and other words I would like them to converse XXXX the matters at hand between myself and my wife. The third party was LEXIS-NEXIS they pull my files from pes to put it on my credit bureau report which is illegal the bankruptcy court do not and will not report anything to your credit bureau so LEXIS-NEXIS as a third-party pull the information and gave it to the credit bureau and they post it on my credit illegally I did not give any permission for them to put my information on my credit bureau. I want to FCBA to award for damage of myself and wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with the accounts below. The current status should not be showing late payments because I paid it on time. TransUnion Credit Reporting Agency lacks proper record keeping. The accounts are closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 

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 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 sent a letter on to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2021-04-04
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:
I called and spoke to the credit bureau about the items and was informed that they would be removed. I provided everything that was asked of me. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with the accounts below. The current status should not be showing late payments because I paid it on time. EXPERIAN Credit Reporting Agency lacks proper record keeping. The accounts are closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: EQUIFAX, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: AMERICAN HONDA FINANCE CORP
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I sent Honda financial a cashier check of {$12000.00}. XXXX the rep from Honda confirmed the check was received. My vehicle will not be released as per Honda because my account has been under review for the last month so I've been told. My car has yet been released from their third party repo company XXXX XXXX. Honda has possession of my vehicle, my assets, and causing delay in my business. Pursuant Truth and Lending Act this is a violation to my rights as a consumer. Honda has not corrected this error within 60 days of discovery and prior to written suit or written notice from me the consumer. The original contract was requested and I was sent a copy without two live signatures. This is fraud. Litigation is sought.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I tried to setup auto pay several times on Bank  of Americas  website. I had automatic payment on my account for years and have no idea why it was removed. When I would log into my account it would show that I had a payment due that had to be made. The website would restrict my ability to pay to calling Ban k of Americas phone number. I would call be placed on hold and transfered several times. My situtation would n ot be resolved and I would be told that someone would get back in touch with me to help setup auto pay when some restriction was moved from my account. I went through the process and believed that after several phone calls my auto pay was reinstated. So several months later after I was left to believe that I had auto pay reinstated, Bank of America stated I was late with a payment of roughly {$20.00} ( which was my total balance ). My wife and I are currently looking at houses after having moved to  XXXX  from  XXXX . I called Bank of America to try and understand why my payment had n't automatically pulled from my bank account. I was transferred several times and told I would once again receive a phone call with the company decision i n 2  business days. A week later I called back to find they mailed a letter to my old address in   XXXX   which I had changed on the website and over the phone at least twice. I received a response from a manger named  XXXX   XXXX  that the company did not see this as there problem and would not change the record of a late payment to the credit bureau. Since this will force my wife and I to pay tens of thousands of dollars more in loan interest you might  imagine  I 'm pretty furious. My credit history is flawless minus this recent unpleasantness with Bank of America. I would appreciate any clarity in resolving this issue quickly.

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 2021-05-16
Company: CITIBANK, N.A.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Citi bank has my account on restricted. Its been since XX/XX/2021. I CANT access my money. They keep saying under review.

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 2022-11-21
Company: TD BANK US HOLDING COMPANY
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: Account status incorrect

Complaint:
Dear Consumer Financial Protection Bureau, Both XXXX XXXX XXXX and Nordstrom XXXX keeps reporting incorrect information to appear as new. First, there's been no new account charges on the Nordstrom account in more than 3 years. For the last few years, I've only made monthly payments on Nordstrom account ( and no new charges ). Nordstrom reported account delinquent to XXXX XX/XX/XXXX. In addition to that, Nordstrom keeps reportng account closed by grantor multiple times XX/XX/XXXX. However the account was first closed XX/XX/XXXX. Nordstrom keeps reporting 2 - 3 times per month account closed in fraudulent manner. This is not a new account closure. I reported this information to XXXX. XXXX keeps allowing Nordstrom to make repetitive account closed postings to my credit report. XXXX refused to remove inaccurate data. 

Furthermore, I provided to XXXX proof of bank transactions showing account payments to Nordstrom. In addition to bank account payments, I provided Nordstrom 's account statement showing the same payment history. I've only made payments and no account charges. How can this account be delinquent when monthly payments made consistently? 

Next, Nordstrom posted account as delinquent XX/XX/XXXX with a past due balance. How can there be a past due balance on an already closed account with no account activity in years? There was no PRIOR past due balance. How can Nordstrom be allowed to make up a past due balance that's never existed? Again, I've only made consistent monthly payments on this closed account. Nordstrom is not applying payments to the account balance. 

Finally, I provided payment documentation to XXXX and XXXX keeps reporting inaccurate information provided by Nordstrom.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am sending my CFPB complaint to notify you that the three credit bureaus were unable to delete the items I am disputed before. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 605b within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous items reporting on my Credit Report : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX ; XXXX A XXXX  ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-16
Company: EQUIFAX, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I initiated contact with Account Resolution Services in XX/XX/2021 to verify and validate a debt reported on my credit report. They sent a generic letter stating debt was mine. I sent written request for verification of debt and they continued to send same letter over until approximately XX/XX/2021 and then they stopped responding to my letters. In the meantime they continued to report the debt on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: ACIMA CREDIT, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Confusing or missing disclosures

Complaint:
A total amount of {$1100.00} XX/XX/2021 to settle accounts with Acima Credit. After accounts was paid Acima refuse to release a financial statements showing proof of payments. Recently I've requested XXXX XXXX for the XXXX accounts paid off. Acima has yet to release the documents to be filed along with XXXX to avoid any mishaps. Acima stated I needed to check my spam. I did several time nothing has been done. The actions of Acima cause credit score to stay low for the pass year by refusing to update credit file. All credit bureaus has been sent proof no actions has been taken by no one. Its unfair to me as the consumer to have to fight for my personal profile to be updated thru Acima. This is something that should have been reported at the time of payment. Acima has intentionally caused damage to credit. XXXX. XXXX # XXXX XXXX # XXXX

Company response to consumer: Closed with explanation