BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-06
Company: CITIBANK, N.A.
State: AZ
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, I personally purchased airfare for a close friend as her Dad had a XXXX XXXX. This was a loan and she agreed to pay me back. At the same time I was grieving as my husband of 30 yrs had passed away after a two year battle with XXXX. As he handled all the bills, I was lax on reviewing my citibank statement. I spend $ XXXX a month on the card so approx. a XXXX charges per month. In XX/XX/XXXX, I noticed my payment was close to $ XXXX so I investigated. I found fraudulent changes dating back to XX/XX/XXXX. Upon further investigation, I traced all these charges of {$29000.00} to this same close friend. When I confronted her, she tried to say it was all a mistake. I realized she had taken my credit card from my wallet and copied the information and used it to pay her Utilities, her food, and fake invoices for her XXXX business knowing I was grieving and taking advantage of that. 
I contacted Citibank and noted each charge as fraud through the website. I was credited {$7500.00} quickly while they opened up an investigation. This was pretty much one credit of a fraud charge in each category. I was told by Citibank to file a police report, which I did and provided Citibank the report number. This is where all the XXXX began. I called weekly to get status on my claim and got the runaround as spoke to numerous Customer Service Reps who could not provide any updates. Suddenly, my case was closed with an email letter sent to my Citibank inbox without me knowing. Citibank stated that their investigation showed that this friend was an authorized user and denied my claim. Note : Citibank would not allow me to send any of the attached files. I was also told that the investigator never contacted the Police Dept. to get a copy of the fraud report. I have attached all files provided in the police report. 
Note : As they denied my claim, Citibank still credited me {$7500.00} which does not make sense as they denied my claim. I even mentioned this to the last Customer Service Supervisor I spoke to and she said it looked like different departments were not communicating.

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: 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX : {$6900.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$6800.00}

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 2022-12-17
Company: Experian Information Solutions 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:
Account : XXXXXXXX XXXX  Account # : XXXX Dates Associated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX When I called a representative kindly agreed to have these late payments removed from my account now that it has been paid in full and I have since been on time with all recent payments. 

This adverse information has been incorrectly added on my credit report. Please reinvestigate this matter and remove the negative payment history from my credit history. Thank you for your assistance.

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 2021-01-02
Company: Consumer Adjustment Company Incorporated
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was notified through XXXX  that I had a late payment that adversely affected my credit score. Upon further review of my credit report, I had a collection from a debt that is fraudulent listed from Consumer Adjustment Company with the original creditor being XXXX  XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. I've never been to Missouri or done any business with XXXX XXXX XXXX. I've now incurred costs related to this in time to lock down my credit at all three credit bureaus and paying for a monitoring service. 

My credit report shows an account opened at XXXX  XXXX XXXX at the address above on XX/XX/2020 for {$960.00}. Consumer Adjustment Company issued a collection in XXXX of 2020 for {$960.00} and had it listed my credit report for late payment and collection. I have not been contacted by either company at any time. I'm not sure if this is fraud by Consumer Adjustment Company or if this is identity theft and my information was used at XXXX  XXXX XXXX  and now Consumer Adjustment Company is now involved somehow. Either way this is identity or theft by an unknown person or Consumer Adjustment Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
You have been reporting these accounts wrong for months now!!! To ensure your vigilance of compliance, the following accounts are reporting wrong even to the comments. I do not have these account numbers in my file. They are erroneous. How are you reporting this information wrong??? According to Compliance protocol, you MUST delete immediately : NOTE : This is not for you to correct and not remove. Ive disputed this numerous times. You are mandated to remove these erroneous accounts!

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 2023-02-25
Company: Experian Information Solutions Inc.
State: IL
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:
On my credit report it show it is a charge off, and I called the original creditors and they said the debt was sold to another company. I was telling them to please remove the account off my report

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: 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have a bank of america checking account and credit card. Approximately 6 months ago, I transferred {$20000.00} from my XXXX investment account into my checking account which I intended to then transfer to pay off my credit card at Bank of America. Bank of America immediately placed a hold on my {$20000.00} deposit so that I was unable to transfer it to pay my credit card. I called and was told I needed to go in person to the bank. I did so the following day, to the XXXX, WA branch and was told I needed to come back the following week when a specific manager in the fraud department was available by phone. When they mentioned fraud I immediately checked my account and saw no fraudulent activity whatsoever on my checking or credit account. I returned the following week and was questioned by the bank fraud manager on the phone, XXXX, about some of my past purchases and whether they were valid. My daughter was in the room with me answering questions as well as the credit card account is a joint account with her and I and has been for many years. They asked multiple questions about various charges which I answered and was told by XXXX that they would be releasing the funds shortly. To date, the funds have still not been released and it is over 6 months. I still receive my pension amount in my Bank of America checking every month however Bank of America has blocked my credit card and debit cards so that I can not use any of my money that I continue to receive. In order to use my money I was logging on to transfer money to my daughter 's account and getting it from her. Now Bank of America has blocked access to my online account. I have tried calling XXXX multiple times but have been unable to get a hold of her or anyone who is able to help me. I call the general number and am told they can not help me and I need XXXX specifically. I am XXXX and need the money that Bank of America is blocking. Again, Bank of America still to this day has not released the hold on the {$20000.00} and I do not know what to do to get the money back. As a result of the hold of this money, I can not pay off my credit card with Bank of America and they continue to issue extreme fines which is costing me thousands. Yet they refuse to release the hold on my own funds so that I can pay it back. I have no idea what to do, and now I am even unable to access my pension money to live.

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 2018-12-19
Company: Mr. Cooper Group Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Nationstar Mortgage Trustee File Number XXXX Loan No. XXXX Currently in litigation with Nationstar over the wrongdoing on my mortgage. Was told this sale would be stopped yet its still showing as active and now they state it will not be moved. 

This property is listed incorrectly on the Notice of Sale. Nationstar is attempting to sell my two unincumbered parcels with the incumbered parcel with no legal standing to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hello, I am aware I have a Daily Simple Interest Loan & I understand how that works/means ... for my XXXX XXXX XXXX XXXX. I have paid my monthly payments early since day 1to minimize the total amount of interest I pay for the life of the loan. I paid my XX/XX/XXXX payment in XX/XX/XXXXXXXX  which means I am paid ahead my next payment was not due again until XXXX which I paid on XX/XX/XXXXXXXX  this payment in the amount of {$770.00} was paid online and scheduled as the XXXX Payment. Capital One applied it as an interest only payment and will not reverse it and apply it correctly as intended as the XX/XX/XXXXXXXX  payment. I am being told the interest had to be bought current. However, what I don't understand is why am I being penalized and being charged compounded interest by paying early I have requested these monies be reversed and reapplied correctly as a regular monthly car payment as intended and they have refused to apply them correctly I have paid this loan early and never been late or missed a payment I only want what is fair how can they take my XXXX payment and apply it to interest when I was paid 2 months ahead in my payment obligation. Please help I do not have XXXX to just give away to Capital one and receive no benefit of my hard earned $ when I am paid ahead... Any assistance you can provide is greatly appreciated... Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 this item 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 this item is being reported correctly? Who verified this account? 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 account 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 THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

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 2019-04-06
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX and XXXX.. inquiries on my credit report that I did not do.. I talk to the representative at XXXX XXXX told her that I spoke with these companies and they had no information about me ever applying I asked her to remove them and she told me that she couldnt do that..

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 2023-02-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : XXXX Payment Status : COLLECTION/CHARGE_OFF Reported Balance : {$1200.00} Account Status : DEROGATORY Creditor Remarks : Subscriber reports dispute resolved - consumer disagrees. 
My Remark : I DID NOT REPORT DISPUTE WAS RESOLVED THIS IS A LIE AND VIOLATING MY RIGHTS, XXXX XXXX XXXX XXXX XXXX XXXX  Payment Status : COLLECTION/CHARGE_OFF Reported Balance : {$840.00} Date of Last Activity : XX/XX/ Account Status : DEROGATORY Creditor Remarks : Charged off as bad debt Dispute resolved; customer disagrees My Remark : I had my card stolen at the end XX/XX/ and called immediately to report the stolen card. XXXX XXXX XXXX XXXX told me that they can freeze my account and issue me a new credit card, after weeks of waiting I tried to pay my bill during the due date ( at the time the amount of around XXXX XXXX {$500.00} ) and without informing and my consent, XXXX XXXX XXXX XXXX closed my account on their Date of Last Activity : XX/XX/, which is not my date of last activity. This also violated my rights., XXXX XXXX XXXX XXXX  XXXX : XXXX Payment Status : Current High Balance : {$1000.00} Creditor Remarks : Closed or paid account/zero balance Account Status : Paid, XXXX XXXX XXXX : XXXX XXXX XXXX : COLLECTION/CHARGE_OFF Amount : {$1400.00} Account Status : DEROGATORY, XXXX XXXX XXXX  : XXXX, HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has all 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
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:
To whom it may concern, I recently just paid for a copy of my credit reports. upon looking at all of my reports. I noticed that all the three credit bureaus do not match. From the best of my knowledge, all the information reporting with these bureaus should match if they were properly verified as they have continued to state. Also, I'm aware that a collection/charge offs is by default a closed account. 
XXXX XXXX XXXX ACCOUNT XXXX IS REPORTING ON XXXX AS CLOSED YET ON XXXX AS OPEN. AND ANOTHER MAJOR DISCREPENCY IS THAT ON XXXX, THE DATE OF THE ACCOUNT BIENG OPENED VS THE DATE ON THE LAST ACTIVITY. THIS IS A HUGE INACCURACY. 
XXXX XXXX, ACCOUNT XXXX THIS PARTICURLAR ACCOUNT REPORTS INACCURACIES ON THE LAST DATE OF ACTIVITIES ON ALL 3 BUREAUS. AND ALSO, IT REPORTS DIFFERENT PAYMENT DATES ON THE CREDIT BUREAUS. I ALSO NOTICED THE HIGH BALANCE AMOUNT IS DIFFERENT IN ALL THREE CREDIT BUREAUS. I HAVE ATTACHECHED A COPY OF MY REPORT AS EVIDENCE. 
XXXX XXXX, ACCOUNT XXXX. 
THIS ACCOUNT REPORTS CLOSED ON XXXX REPORTS OPEN OF XXXX. THIS IS A HUGE DESCREPENCY. THE HIGH BALANCE REPORTS ON XXXX AS {$5600.00} WHILE IT REPORTS ON XXXX AS {$0.00}. THIS ACCOUNTS LAST DAY OF ACTIVITY DOES NOT MATCH BETWEEN XXXX AND 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