BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-09
Company: CITIBANK, N.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I recently requested that the XXXX XXXX XXXX XXXX XXXX provide me with competent evidence that I have a legal obligation to pay this company. They were unable to validate said account and I have sent two written request asking for the negative marks on my credit report taken off as for they are reporting to the 3 major Credits bureau 's this action is constitute fraud under both Federal and State Law and they violated the Fair credit reporting act. they violated the fair debt collection practice act in addition to defamation of character.

This company is still in violation of harassment once a written request that no telephone contact be made by the company or the office attempt to telephone commutation with me. Company also failed to provide license number and registered agent or agent of service. a long with a license to collect in the state of which I reside.

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 2022-03-13
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2022 I 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 I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
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:
RE : Dispute of dispute investigation On XX/XX/2019, TransUnion received my letter and documents disputing errors XXXX made and reported about mortgage payments. The report was investigated and the two late payments were removed. However, two other dates that were showing on time on the pre-investigation report were showing late.

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 2023-07-11
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:
Claim number : XXXX Claim filed XX/XX/2023 I filed claims with Bank of America XX/XX/2023 I submitted notarized documents letting them know I never received my card they approved these claims Claim XXXX {$9500.00} Claim : XXXX {$7300.00} Claim : XXXX {$130.00} Claim : XXXX {$6200.00} Claim : XXXX. {$12000.00} However on XX/XX/2023 I called the bank because my sponsor advised me I was still missing money so I needed to call Bank of America back to let them know Im still missing funds Bank of America advised me that he missed a lot of transactions and they would include in a new claim Claim number : XXXX {$31000.00} Claim filed XX/XX/2023 How we claim was denied on XX/XX/2023

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 2023-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
To, Bank of america CLAIM ID : XXXX You have closed the dispute of XXXX stating that the merchant has provided the credit. Merchant has not provided the credit. The credit of XXXX is for a different transaction of XXXX. I tried to re-open the dispute by calling customer support, but they refused to re-open it. I send them XXXX fax about the issue, they do not respond as well. 
Please continue the dispute of XXXX for the transaction XXXX XXXX. 
Provisional credit is not provided.

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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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.

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 2023-03-10
Company: LD Holdings Group, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
We are currently pursuing a VA loan assumption through Loan Depot. This process began in mid XXXX, XXXX and is still ongoing. We received virtually XXXX communication until XXXX, when we reached out and began asking for answers. We were then told there was missing documentation. Some of the requested documents we had already provided back in XXXX, but Loan Depot either lost them or never included them in the packet. We provided all requested documentation plus additional, within 48 hours of it being received. Requests came piecemeal, with minimal explanation, and some items requested from us ( the buyers ) were information that could only be provided by the sellers. We continue to receive virtually XXXX updates unless we reach out consistently, emails often barely contain complete sentences, and there has been an egregious number of errors made in basic communications. For example, getting email addresses incorrect when they have been provided. Currently, we are needing an item removed from our packet ( an application for a secondary loan, which we never took out, because we sold our previous home and now have the capital in cash ). We have provided documentation in about 4 different formats confirming the sale of our home, final monetary amounts, proof that funds were transferred to our bank and are now in our possession, etc. The loan officer reached out to the title company to get confirmation of this 'secondary lien XXXX being removed ( it was never a lien as it never manifested ), and I discovered today that they send the email to the incorrect email address, despite having been provided with the correct one, so the title company never received the request. Basic errors in competency continue to cost additional time, and the assumption process has now taken nearly 120 days, with no firm timeline for closing yet determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
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 the Fair Credit Reporting act XXXX Account # 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

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 2022-11-09
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: Investigation took more than 30 days

Complaint:
The credit reporting agency and the collection account is in violation. I have not received a response from the company states that I owe a debt that I do not the credit bureau has not removed the account off of my credit report. It has been over four months they are the only credit bureau that has this account in error on my credit report Q u e s t i o n s / C o m m e nt s : In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Account # XXXX  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 1682 Section 805 A States a debt collection may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the consumer 15 USC 1962 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knowns or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the called number. _______________________________________________

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 2023-07-11
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Credit Card through Zales, card issued by Comenity. 

I had a issue with a promo not being applied correctly and the one applied was not the correct one that was supposed to have been applied. Comenity did not notify me of the incorrect promo and that it was expiring until after the fact. E-bills and Paper bills were not arriving to my email and my mailbox. I had complained about both before and was pretty much told 'not our problem '. When I challenged them about these issues on around XX/XX/XXXX, they responded by locking me out of my account and would only let me make payments over the phone under the condition I was changed a payment processing fee. I refused and they hung up. I attempted to contact them again over the next 6 months when for some reason, back in XXXXXXXX XXXX XXXX my account became unlocked and could make payments without the need of a payment processing fee. As of today, XX/XX/XXXXXXXX  I called in to have those fees and charges waved for non-payment on the account they would not let me make payments unless I paid a payment processing fee and called in. They waved one late fee and then proceeded to tell me " There is nothing else we can do ''. The account was paid in full today and I am not satisfied with how they handle this account and how they were charging me fees with no way to contest or resolve it unless I paid even more money to process payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am have asked Experian to provide physical documentation on what they have received from the collection agencies that physically showed proof that the debt belongs to me. Experian have intentionally, recklessly, neglectfully, and without due regard not investigate this debt and put the debt on my file to make a bigger profit from it customer. Experian have proven time and time that they do not care to follow the Fair Collection Credit Act and that they are a big business that does what they want to consumer. I have sent Experian Numerous of certified letters with return signature required that they should have on their record. Experian try to trick of buying time to get the consumer to send in documents and say that they can not verify the consumer account. The debt collection agencies did not provide me with a physical proof with a physical contract and other physical items that shows the debt belongs to me under the FDCPA. I have asked Experian to simply follow the law, but they do not care about the damage they have a cause to a XXXX veteran with limited resources. Especially, with the covid-19 going on. The debt in question is with the National Credit Adjust on my credit file. The other credit bureaus did a proper investigation and a legal investigation and found the debt to not belong to me. Experian refused to abide by federal and state laws. The debt does not belongs to me. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through  the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed  below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account in question.

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 2023-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Credit International Corporation
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XXXX is attempting to collect funds for Valuations services not provided or requested- see below. XXXX XXXX, XXXX responded to the false allegation on XX/XX/2022, and requested supporting documentation of XXXX XXXX ( Appraisal ) not provided to XXXX XXXX XXXX 

" We attempted to withdraw the {$5000.00} your business owes on its XXXX XXXX XXXX account but were unsuccessful. So we added a Returned Item fee of {$25.00} to the balance owed. The new total owed is {$5000.00} and due immediately.

If youve already sent a payment, you can ignore this notice. 

How your business can pay Call us at XXXX to pay over the phone by credit card or check. If you have any questions, you can also chat with us. 

Or Click Here to upload a completed payment coupon using our secure portal. 
If your business can't pay the full amount, call or chat with us to talk about all your options. 

You can also get help managing your business 's XXXX XXXX Payments account in our Merchant Service Center. 

Thanks, The XXXX XXXX XXXX XXXX account : XXXX Business name : XXXX XXXX, XXXX Case number : XXXX ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: National Credit Adjusters, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Harassing phone calls, robo calls, non stop. I have no debt with this company nor have ever had any affiliation with this company. I have fraud alerts on my credit reports for identity theft. I want this company to cease all contact and delete my information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28
Company: SYNCHRONY FINANCIAL
State: CA
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:
On XX/XX/XXXX I ordered some from XXXX they never sent me my item and I was charged {$44.00} they never took it off of my charge account and want me to pay a bill on that Im not paying anything on that card until they take that and fix that also was charged three times for the same item and they have not taken that off either thats {$20.00} they need to take that off of there also so I have a discrepancy of over 100 and something dollars and they need to fix it on a {$250.00} credit card Im not paying on the credit card until they fix it thank you XXXX XXXX and whos not taking it off the cart would be PayPal

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had an account with Bank of America for the last 3 years from XXXX  to XX/XX/XXXXXXXX  I started to see issues with my transactions and overdraft fees in early XX/XX/XXXXXXXX  it would be minor at first {$35.00} for every over draft then it would continue to be bigger amounts and then they would deposit money back in, me believing my account was back positive I would spend those funds then the next business day they would send my account back into negative even more with added on overdraft fees this happened in XXXX XXXX XXXX XXXX XXXX XXXX. They closed my account on XX/XX/XXXXXXXX  after my account went negative from a faulty check they deposited into my account sending me into XXXX  in the negative and added on overdraft fees. This added to a crucial hardship on my life my car was repossessed, I had no funds to feed or help my family and no transportation to get to work.

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 2023-05-21
Company: ENCORE CAPITAL GROUP 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:
I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately MIDLANDCRE XX/XX/XXXX Balance : {$440.00} {$440.00} XXXX XX/XX/XXXX Balance : {$16000.00} XXXX XXXX XXXX XX/XX/XXXX Balance : {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, INC.
State: MO
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 sent Equifax a bankruptcy letter, Dispute letter, and XXXX XXXX stating the reporting on my credit profile was incorrect, which was sent in support of that. I sent it by certified mail on XXXX XXXX and it was signed and received by XXXX XXXX. I called the customer service line and spoke with a gentleman who gave me a very hard time that stated he had the documents but would not adhere to them. He stated I needed a deletion letter from XXXX, which inform me they never heard of such and that the consumer report given to me by XXXX was indeed the document needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: IL
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 am reaching out to bring attention to the presence of fraudulent personal information associated with my identity. I have discovered that certain accounts and transactions have been falsely attributed to me without my knowledge or consent, which has caused significant distress and concern. As a victim of identity theft, I have taken immediate action to report this incident. It is imperative to address this situation promptly, as it has had adverse effects on both my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into these unauthorized activities. I am prepared to provide evidence and, if necessary, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation