BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-19
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
XX/XX/XXXX I used to charge my Best Buy to purchase things. As of XX/XX/XXXX ( estimate date ), my true balance without interests was nearly {$4000.00}. I got the billing statement from Best Buy that dated on XX/XX/XXXX that my additional lump sum of interest was {$2100.00}. 

I called them last week to express my concern about the lump sum interest that is additional to my balance that I disagree. I do not mind paying the interests based on the principal that I purchased. They basically said that it was part of the contract per interest free for a term ( I think it is up to 18 or 24 months ). 
I hope I can attach those documents as summary : Page 1 - Show the lump sum of interest Page 2 - Show that I did pay some interest Page 3 to 5 - show that there was no interests. 

If you have more questions, here is my email address - XXXX XXXX, I do not mind paying interests on the actual principal that I am obligated to pay. By the way, I paid my payment on time. 

Hope that makes sense. 

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 2018-02-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I just recently divorced. Me and my ex husband both has credit cards with USAA. One card ( XXXX XXXX ) I'm the primary holder, the other card ( XXXX XXXX ) my ex husband as the primary holder, we both added other into the account for convenience during the marriage. I was not sure what term we added each other " joint holder '' or " authorized user ''. Now that we are divorced. We would like to get each other 's name off the cards but was told by USAA we are not allowed to do so. I requested to see any papers that shows we both signed if we were " joint holder '' or " co-signer '' as I know for both of us to be equally responsible for the cards we should at least signed something. But they couldn't provide such documents. I contacted them multiple times. I was told to get a call back never did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: DISCOVER BANK
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
I had an application for a mortgage with XXXX XXXX XXXX XXXX and I was looking at better terms and interest rates and before I put in an application with discover Bank I specifically asked them if there was a revocable trust on the property whether that would affect the loan and they said no. 

I later get a letter denying the mortgage. The effect of making my application decreased my credit score although it is and has been consistently excellent. 

Today I got an inane letter saying Discover was complying with the law by giving me the reason. 

Reason one says our credit decision was based in whole and in part on information obtained in the report from consumer reporting agency listed below. They list no credit reporting agency so to paraphrase the are saying " somebody somewhere influenced their decision. 

Second point it says the decision was based on other unnamed sources or an affiliate.

My complaint is that Discovery Bank should have made the credit report that they based the denial of my loan and name the affiliate or the outside source which influence their decision so that I can approach them to find out what their problem was. 

Please note XXXX XXXX XXXX XXXX had no problem processing my loan at a little bit higher percent so they could not have been a major credit report or affiliate or associate that cause XXXX XXXX XXXX XXXX to deny my mortgage In reviewing the reviews for discover Bank this is apparently a common practice that they cancel mortgage applications for no apparent reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I checked my Bank of America mobile app and saw that fraud was committed on my checking account. The first fraudulent charge was for {$19.00} to XXXX XXXX for a monthly subscription. The next fraudulent charge was for {$3500.00} to " XXXXXXXX XXXX XXXX '' in XXXX XXXX IL XXXX 

I live in XXXX and do not have a car. I have never been to XXXX XXXX, nor do I have the means to get there. The night before the fraud, I was at a wedding rehearsal dinner and then the day of XX/XX/XXXX, I was attending the wedding. There is no physical way that I could have made these charges. 

I immediately called Bank of America to file a complaint and to cancel/issue a new card. I still had my debit card in my wallet and I cut it up & threw it away that day. Bank of America opened this claim number : XXXX. They issued me a temporary refund. 

Bank of America has since ruled not in my favor multiple times even though I have submitted evidence of where I was located on the night before the fraud and the day of the fraud. They have since taken away the temporary refund. 

I am unemployed and currently living paycheck to paycheck. I need help fighting this fraud!

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 2020-02-19
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My daughter, XXXX XXXX and I have a joint checking account at XXXX XXXX XXXX XXXX. I had multiple issues with the account in forms of identity theft, unapproved transactions attempting to take money out of account therefore was over drafted by {$950.00}. I worked with XXXX to resolve this matter wherein I had set up {$50.00} a month payment arrangement. In the meantime, they still sent the account to collections with Transworld Systems Inc. 

On XX/XX/XXXX, I worked out a settlement regarding this account with XXXX, balance was satisfied and they agreed to put the account back into a positive status. 

On XX/XX/XXXX I received a letter from Transworld trying to collect on the balance that was paid in full. They didn't even deduct the payments I made through XXXX. I called Transworld and informed them that I worked out a settlement with XXXX and this balance has been satisfied since XX/XX/XXXX. I got no response. 

Transworld Systems Inc. is fraudulently trying to collect on a balance that is not due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting 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:
Delete Hard Inquiries ASAP

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 2023-11-13
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below 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 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Despite the multiple previous written requests, the unverified account listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX XXXX : {$0.00}

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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-25
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: Their investigation did not fix an error on your report

Complaint:
I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below account/s be deleted from my consumer report. 
XXXX XXXX XXXX # XXXX {$15000.00} XXXXXXXX XXXX XXXX  # XXXX {$11000.00} XXXX XXXX XXXX  XXXX # XXXX {$10000.00} The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

I demand this account be deleted from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate, date of last payment is inaccurate, past due amount is inaccurate, account type inaccurate. This ground for removal they also violated my rights under 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXXXXXX 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 2022-03-03
Company: CITIBANK, N.A.
State: MI
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:
Ordered two sample keyboard to inspect for a possible bulk purchase, both units arrived damaged and did not work. The seller agreed to a no return refund as it would cost too much to ship back. They never provided a refund, so I filed a dispute. After several months, without notice, Citibank reversed the charge and left me with the bill and defective merchandise! They never even asked for further documentation which I have. The agent, XXXX XXXX, stating clearly that the issue was theirs and a refund would be given!

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 2020-04-04
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Tuesday XX/XX/XXXX I went into a Wells Fargo Branch and I ordered a new book of checks. They said it would take up to 14 days for it to arrive. With the holiday of XXXXXXXX XXXX XXXX coming up I added a few additional days due to the 1 less day of mail delivery that occurs.

After three weeks of waiting I called Wells Fargo to see why the checks were taking so long. After being transferred 3 times I got similar responses saying that it could take up to 14 business days to receive them in the mail, even after informing them that it already it has been close to a month since I have ordered them, there was no sense of they cared about this issue. 
After waiting another week I re-order my checks, they said since they have been delivered ( they were not ) that they would have to close my account and open a new one due to the potential of fraud. I asked if there was any other way to keep the account open and they ( allegedly ) attempted to put a stop on the whole book of checks that were sent. Two separate representatives tried this and they told me their system would not allow them to do so. 
I finally said okay and proceeded to open a new account with them due to the hassle it already was and I asked what would happen to my other account. They informed me that they can keep the account open for 90 days which was fine. The account was opened on XX/XX/XXXX. All the payments and deposits would continue to arrive in my account until that time frame and would have no issue switching everything over in the appropriate matter of time. 
On XX/XX/XXXX I was contacted by my company and they said that my direct deposit information was shut down which was concerning since it was well within the 90 days from which Wells Fargo told me it would be fine to continue to receive payments. 
I made sure to switch all my bills and payments to the new account since I could no longer allegedly receive money thorough this system.

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 2018-11-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Please remove any and all fraud alerts from my name and credit report immediately

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 2023-07-10
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:
Despite the multiple previous written requests, the unverified these items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please update these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 
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 2020-02-19
Company: EQUIFAX, INC.
State: MI
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 have made several attempts to contact and successfully submit dispute letters to Equifax and I have had credit repair services to reach out to the company, in efforts to have an inaccurate collection account removed. I have had both XXXX  and XXXX XXXX remove the account and update my credit reports. However, Equifax has not only not removed the account, but has not responded with an update and I am now at 45 days due. I have tracked my letters that I sent to them via certified mail. 



I have since sent another round of dispute letters with the tracking receipt to support my claims. Please help me with the investigation of my claims and disputed with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I spoke with Equifax on or about XX/XX/XXXX or XXXX XXXX to file a dispute for information reporting wrong on my credit report and asked for the inaccurate information to be removed. The customer service rep asked if I had supporting documents that I was making payments on the charged off account and if so, the items would be removed with my supporting documents. She gave me a fax number to send the documents to and said the documents would be uploaded within 24-28 hours. 

I called on XX/XX/XXXX to confirm that the documents were received and was told that they were not received. I called again on XX/XX/XXXX, and XXXX, XXXX. I spoke with a supervisor on XX/XX/XXXX and she told me that I should refax the documents or upload them to Equifax.com. I explained to the supervisor that I paid for the fax and was not going to refax them. She also said that they deal with other people sending in documents and for me to be patient. I think that was very unprofessional and that they should make sure that they give the consumer the correct information and not brush them off because they have other faxing documents, I was then told to upload the documents on the website or she would take the dispute again over the phone. I asked if that would start the dispute process over and she said yes. She then told me to upload the documents to Equifax website. I tried that and because the dispute was already submitted, I could not submit the documents. 

I called again on XX/XX/XXXX to see if the documents were uploaded. I was asked the exact same verification question from the previous calls and was told today that I could not be verified!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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