BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-08
Company: Village Capital & Investment LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My home was badly damaged on XXXX, by hurricane Ian , which was declared a disaster area by FEMA.and I had to leave due to a flood, and part of my roof was blown off. FEMA put a tarp on, but advised me to leave due to mold and so dangerous conditions from electrical damage. My mortgage was paid in XXXX XXXX, but in the beginning of XX/XX/2022, I contacted Village Capital numerous times, and left many messages asking for a forbearance plan for a few months, as I couldn't live in the home. Meanwhile, I filled out papers to extend my forbearance, ( I had not received my insurance claim settlement yet ) and sent them to Village Capital. After telling me numerous times they had not received them, I was able to speak to someone who helped me fill out an application on the phone. After receiving another letter via snailmail asking for the same info., ( 3rd time ) I finally received the first 3 month forbearance. VC also has possesion of my homeowners check for 2 months and I need it to put a roof on. I requested it several times, and had to cancel the roofing repair 3 weeks ago because they did not release the check. They have also ruined my credit by reporting I was 4 months delinquent paying the mtg. The roofing co. was going to finance the work until I received the check, but due to the delinquency, they can not. They keep putting delinquent notices taped to my door, and my neighbor had to take them off, as there aremassive burglaries due to vacant homes. I asked I do them not to, but they keep taping them to my door, advertising no one is home. Can you please help me? Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$24000.00}

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 2023-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
2 XXXX transfers were sent in the amount of {$200.00} each from my account on XX/XX/XXXX that I did NOT initiate. I called Capital One immediately when I noticed a XXXX transfer. They stated it went to a XXXX XXXX which I do not know a XXXX XXXX. During that time I was on the phone with capital one I told the lady I received a few texts about my number needing verified from some company and other fraud texts as well. Today I received notification my 2 claims was denied with this response : We finished looking into your claim and didn't find an error. 
No error? Interesting. I dont understand how theres no error when this was not completed by me. I later have learned XXXX has ZERO protection for fraud etc. So much for banks having your back with your money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
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 status incorrect

Complaint:
Two of my credit reports are showing past due with incorrect amounts due and owning. The account is current

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 2023-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
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/23, I awoke from sleep after working night shift to a text message about verifying repeated failed login attempts from XXXX, FL. I was able to log into my online banking and all was well at the time therefore I felt that I would contact BOA once I arrived at work to inquire. At work, I tried to log into online banking again to see that I was locked out and it was asking me to verify information that I didnt have at my desk. I dont carry my card with me all of the time and I had left it at home. I checked my email to see that someone had OPENED A SAVINGS ACCOUNT UNDER MY NAME IN FLORIDA. I was shocked to be honest and immediately called the fraud department. They were difficult to deal with and I was shuffled from not just one to three people before being able to explain what was going on. At this point, the rep on the phone told me that I needed to work with her and answer the questions to resolve the issue and I was demanding, rightfully, reassurance that nothing had occurred and we could close this new account. Unfortunately, XXXX dollars of MY MONEY was allowed to be fraudulently removed under the watchful eye of Bank of America who, despite sending me XXXX text requesting that I verify my identity, decided to allow a random criminal to open a savings account under my name, transfer my money to another BOA account and then out of the bank entirely as it appears all under a few hours. No security checks from me. No inquiry on my behalf although it was opened in Florida and somehow California is involved in there as well. I am utterly appalled and not to mention distraught at the loss of XXXX dollars of my money. Equally appalling is the lack of security measures and verification on behalf of such a large institution. When I requested that funds be immediately transferred back, I was told I have to wait. So now, I am told as the victim to wait 10 days for a provisional refund and this may take up to 45 days to investigate. I want my money which is rightfully mine. I can not afford to wait for it due to this companys deplorable blunders and I would investigate the fraud prevention practices of Bank of America. Consumers have a right to identity protection and this place simply does not have it.

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 2023-03-12
Company: EQUIFAX, INC.
State: CA
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 following list of accounts are in violation of my FEDERALLY PROTECTED consumer RIGHTS to privacy and confidentiality under 15 U.S.C 1681. 
XXXX XXXX and account number ending in XXXX XXXX XXXX XXXX and account number ending in XXXX XXXX XXXX XXXX account number ending in XXXX XXXX XXXX XXXX account number ending in XXXX XXXX XXXX XXXX account number ending in XXXX XXXX XXXX XXXX  account number ending in XXXX XXXX ) 15 U.S.C 1681 SEC 602 ( A ) States I have a RIGHT to Privacy.

2 ) 15 U.S.C 1681 SEC 604 ( A ) SEC ( 2 ) : States a consumer reporting agency CAN NOT furnish an account without my written instructions.

3 ) 15 U.S.C 1681c. ( A ) SEC ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 
4 ) 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 consumer knows or has reasonable cause to believe that the information is inaccurate. 
These items must be DELETED immediately and a rapid re-score is requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report. please remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX  XXXX XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 2023-12-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-27
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have made every payment on my loans in a timely manner. However, my recent payment which was made on XX/XX/XXXX ( in the full amount due ) was not applied to my loans. As such, the account is showing as past due ( the payment was due on XX/XX/XXXX ). I have spoken with the servicer multiple times and they assured me that they would apply the payment from XX/XX/XXXX. However, no action has been taken and my account appears as past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need you to remove the following items off of my Credit File as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. In accordance with the Fair credit Reporting Act section 605b, you are expected to remove the disputed accounts and information off of my Credit File that resulted due to identity theft, please do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28
Company: JPMORGAN CHASE & CO.
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: Investigation took more than 30 days

Complaint:
I received information from XXXX, XXXX, & XXXX that this creditor has verified that the account they are reporting under my name is accurate. 

But, I requested the description of the procedure used to determine the accuracy and completeness of the information, which I have not received. I requested this information and still have not received any documentation on this creditor to verify this is my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Citi Bank ran a promotion that if I deposited {$15000.00} in a savings account for 60 days and opened a checking account I would receive a {$400.00} bonus. It has been over 90 days and I have not received the bonus. I have attempted to contact Citi Bank and have waited in hold for over 2 hours. Ive read that many others have had this issue. 

The accounts were opened in the beginning of XXXX. {$15000.00} was transferred into the account on XX/XX/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 2018-08-27
Company: DISCOVER BANK
State: ME
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:
Secured credit card with Discover, Paid {$1000.00} security deposit. Account closed by Discover and {$1000.00} security deposit applied to balance. Credit bureau 's state account closed, negative account, past due {$95.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
USBank unfairly assessed me hidden charges to allow my debit card to gain a negative balance, then assessed me unfair charges for being overdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Experian Information Solutions Inc.
State: MS
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: SYNCHRONY FINANCIAL
State: GA
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, XXXX of my credit cards were stolen from my car. It happened at the XXXX XXXX parking area of the XXXX XXXX XXXX XXXX sometime between XXXX and XXXX AM. Shortly after, all XXXX  cards were used multiple times at multiple XXXX XXXX The other cards detected the fraud almost immediately and denied all but one or two of the charges. The XXXX XXXX card, managed by Synchrony, allowed 7 fraudulent transactions, all just over {$2000.00}, across three different stored within a matter of an hour or two. We reported the card stolen and the company mailed a new card. We then called on XX/XX/XXXX and talked to service who said they would remove the charges. We also submitted a written dispute. 

Now, over a week after the incident, the charges are still on the account and Synchrony is reporting an over limit balance of {$15000.00} to the credit bureaus. Worse, on XX/XX/XXXX, AFTER the card was reported stolen, it appears they may have allowed a balance transfer from another card. I need these charges removed.

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