BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-02
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
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 am writing to request an increase on my FNBO credit card. I love my business credit card and the credit limit that I was started with. It has helped me scale my business. In the last 2 years I've been with FNBO I unfortunately have not received a credit limit increase. My current limit is insufficient to cover my potential monthly business expenses. My payment record with First National Bank of Omaha is perfect and I do not anticipate any difficulties in dealing with an increase in my credit limit. I am asking for an increase from {$15000.00} to {$20000.00}. I submitted this via CFPB because I did not receive an email back, and I did not want to request an increase over the phone or online because I wanted to explain some things on my credit report and send in documentation. There is a late payment reporting for XXXX XXXX  which is inaccurate, and I am in the process of filing a lawsuit against the credit bureaus for incorrect reporting and defamation of character due to many missed opportunities. I have also paid down balances on other cards that may not be reflected. My 3-bureau credit report is attached so there is no need for a hard pull. I will also attach the cfpb report filed against the bureaus with the intent to sue. My credit profile is great, but the late payment is recent therefore it is hurting my score. I wanted to share so this would not prevent me from an increase. I am hoping to hear a favorable outcome from FNBO. Please contact me if you need any information to expedite this process. I am looking forward to your reply. Also attached is my bank statement to show that I am more than capable of making my monthly payments.

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 2022-12-07
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I made a purchase from XXXX XXXX  XXXX for XXXX and they tried to refund me but Ally Bank prevents refunds from going through and then tells me to call the merchant the merchant sees it has been refunded on there end. This has happen several times with Ally Bank which is not right as the refund should be allowed since the account number remains the same. Ally Bank was notified in XXXX about a XXXX purchase for XXXX that I had not received the item they did not do a proper investigation on the fraudulent company who sent me nothing still to this date nor provided proof of the item. The merchant is saying Ally has the money has a chargeback was filed Ally is saying contact the merchant knowing that they will block the refund on the card.

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 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-06-10
Company: SYNCHRONY FINANCIAL
State: UT
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:
I went to Marshalls  in XXXX on XX/XX/31 for I had about XXXX in gift cards and that should have worked towards my purchases for reason they did not and there computers were down for the gift cards or something happened where they didn't work only thing I had on me at the time was my tj max credit card for the whole amount the purchases this was not my fault at all and there was a full XXXX on the gift cards that I had since that was a company error I would like a XXXX credit of my purchases from that day at Marshals. I have emailed Synchorcary bank corp offices over the last 2 weeks several times and no in the company has responded to me what so I think they are ignoring me and don't want to dress my issues I just need a XXXX, XXXX credit put on my account for the purchases I made that day since this was not my fault at all synchonary bank has not responded once to my emails at all

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 2022-06-10
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:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX  XXXX XXXX ( Opened XX/XX/XXXX, Highest Balance {$20000.00} ), XXXX  - XXXX XXXX  ( Opened XXXX XXXX, XXXX, Credit limit {$300.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2018-10-17
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I attempted to open a checking account with XXXX bank today, XX/XX/XXXX. I got a declination letter stating that there was something on my consumer credit report stopping XXXX from granting me an account. Let me also mention that XXXX is the holder of my automobile loan, originated XX/XX/XXXX. I was given the number to Experian to contact them with questions. I called Experian and was told that they can not tell me what is causing the bank to decline my application. They offered to mail a credit report. I then called XXXX to see what is causing the application to be declined. They were very accusatory and told me that I needed to contact the credit bureau, which I had already done before calling them. I also went into a XXXX bank branch, where I was also not told anything. How is it that neither agency knows anything, but has all of my information? Why do I have to provide all of my information to Experian to prove my identity, but they give me absolutely no information. As a consumer, this is a horrible experience and leads me to believe that there is fraud on the account. No one will tell me anything when it comes to my credit and I am very upset. My credit score is between XXXX. I monitor my credit weekly, so I felt that I was clear on what was reporting on my credit. Why do we trust the credit reporting agencies if they are not here to help us? I am begging for help to find out what is going on and I'm just being told to review the credit report and dispute anything that is incorrect. But I don't even know what I am disputing. I am furious.

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 2023-07-02
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/, a payment was made at the Macy 's location in XXXX XXXX to pay the account in full. I received a receipt along with the cancelled check used, but the payment was not applied. I received a notification over a month later that the payment was not applied. I submitted another payment at the same location on XX/XX/ for the full amount again PLUS additional fees and interest. Again, I received a confirmation along with the cancelled check. But they did not apply the payment again. After speaking with the credit card issuer, I submitted yet another payment along with their guarantees the fees would be removed and the credit report information would be updated. However, no update to the credit report was made and it is still showing delinquent.

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 2023-07-02
Company: T.S. Holdings
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I.Q. DATA INTERNATIONAL , INC reported a collection on XXXX XXXX XXXX for the amount of {$4800.00}. 
Agency Address : XXXX XXXX XXXX XXXX, WA XXXX Agency Phone XXXX XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXX XXXX XXXX I.Q. DATA INTERNATIONAL , INC is a third party debt collection agency representing XXXX XXXX XXXX XXXX XXXX. I never signed a contract with I.Q. DATA INTERNATIONAL , INC. I never gave consent for these companies to use my private information. I never received a notice or method to opt-out or prevent the disclosure of my private information to third parties pursuant 15 U.S. Code 6803 Company is negatively harming my nonpublic personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
A lady called XXXX from XXXX kept calling me several times. Once I answered the phone she said she was an agent from XXXX. She said my passport number was used for a XXXX passport, and walked me through the XXXX website to convince me that it was authenticate her position. There was another person online, claiming to be XXXX XXXX Police officer. He said he has a warrant to arrest me and the XXXX  agent made me tell the XXXX that XXXX  is investigating and I am cooperating with XXXX. The XXXX agent then said that either I pay or be detained for 5-7 days. They refused to let me call my parents, since they said they would be also be implicated. Then asked me to download XXXX app, and asked me to log into my bank account and transfer {$2400.00} through XXXX Then then tried to persuade me to get me to ask my parents or friends to transfer an additional {$2500.00} to my account. When I refused, they said the police officer will come at XXXX XXXX to collect the money in person. I realized something was wrong and I hung up. 
This incident has left me devastated and shaken up. I have lost {$2400.00} for no fault. I did not voluntarily give the money, but was pretty much held at ransom. 
I would appreciate it, if you could assist me in getting the money back. Thank you.

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 2023-07-02
Company: State Collection Service, Inc.
State: IL
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:
State Collection Service , inc have communicated an assumed debt to me without validating it nor did I give express written consent to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
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 have sent out multiple certified letters to Experian, XXXX and XXXX XX/XX/2022, XXXX. Here are some of the USPS tracking Numbers. XXXX, XXXX. XXXX, XXXX, XXXX. XXXX, XXXX. However, the Credit bureaus said the completed investigation, and everything was 100 % accurate. Experian also quit sending me any other update on latest letters sent. 

According to the Law 15 U.S. Code 1681a- Definitions ; rules of construction. 
The term " investigation consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who they talked to? 
How they completed this investigation?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-24
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I filed a dispute with experian and I mailed additional information and they closed my dispute without receiving/viewing my mailed documents I mailed XX/XX/XXXX. 
This dispute was in regards to a XXXX XXXX XXXX which is financed with XXXX XXXX XXXX which is a predatorial financial institution and the XXXX on the loan is almost 29 % the vehicle was a lemon it literally broke down the same day the contract was signed it had a fuel line leak and I co-signed for the other person on this loan and we took the vehicle back to the dealership that we got the car from and I gave them a notice of cancellation for the contract which they disregarded and sent the car home with their technician of XXXX XXXXears and the motor blew and the dealership as well as the financial institution are refusing to cancel the loan it has gotten to the point where I had to file a restraining order on the person that I co-signed for and I included a bunch of documents for the dispute and Experian closed my dispute without receiving or reviewing the documents because they were just mailed last week and put the loan as remains status the financial institution for this loan has had many lawsuits for usury and the loan should have been cancelled the day after the contract was signed because I gave a notice of cancellation as well as the that the vehicle had mechanically were unacceptable be loan through XXXX XXXX needs to be removed off of my credit

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 2022-06-10
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:
On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX BANK ( Date Opened : XXXX. XXXX, XXXX, Balance : {$2900.00} ), XXXX XXXX XXXX  XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$3100.00} ), XXXX XXXX XXXX  XXXX ( Date Opened XX/XX/XXXX, Balance : {$5700.00} ), XXXX - XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$3300.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1600.00}, original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ( Date Opened : XXXX XXXX, XXXX Balance : {$310.00}, original creditor XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXXXXXX ( Date Opened : XXXX XXXX, XXXX, original creditor XXXX XXXX XXXX XXXXXXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1500.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-07-03
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection notice from XXXX XXXX XXXX dated XX/XX/XXXX. According to the notice I owed {$11000.00} to XXXX XXXX XXXX for a credit card with Citibank. The debt was from XX/XX/XXXX and the balance owed to Citibank at that time was {$8000.00}. Between XX/XX/XXXX and the date of the letter I was charged {$4900.00} in interest. On XX/XX/XXXX I replied to their letter " this is not my debt ''. On XX/XX/XXXX I received 2 letters from XXXX XXXX XXXX letters were dated XX/XX/XXXX and both referenced the same collection with XXXX XXXX and Citibank. The first letter was letting me know they had received a recent inquiry from XXXX XXXX regarding the Citibank account. The second letter was a copy of the account summary they provided. 
According to the Account Summary the account was opened XX/XX/XXXX, and was charged off on XX/XX/XXXX for {$8000.00}. 
To the best of my knowledge I have never had a credit card with Citibank. So naturally I am very concerned that someone opened an account under my name. 
But why is this the first time I'm hearing about it? No one has ever contacted me before. 
And why are they trying to collect on a debt that was charged off 18 years ago? 
Their letter even states " the law limits how long you can be sued for a debt and because of the age of the debt they will not sue me or report it to any credit agency. '' I don't know what to do.

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 2023-06-27
Company: EQUIFAX, INC.
State: AL
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, US department of education account # XXXX, US department of education account # XXXX, and XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: Aldous & Associates, PLLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
YOU HAVE. VIOLATED FEDERAL LAW. PER REGULATION F YOU MUST PROVIDE NOTIFICATION AND THE RIGHT TO DISPUTE ****BEDORE ***YOU PLACE ANYTHING ON A CREDIT REPORT. YOU HAVE ADMITTED IN WRITING YOU PROVIDED NO SUCH NOTICE. NOT ONLY THAT AFTER BEING TOLD YOU HAD THE WRONG ADDRESS ( ALSO IN WRITING ) YOU SENT INFORMATION TO THE WRONG ADDRESS WITH THE NAME OF YOUR COMPNY ON THE OUTSIDE OF THE ENVELOPE VIOLATING 3RD PARTY DISCLOSURE. NOT ONLY HAVE I FILED A COMPLAINT GINST YOUR ATTORNEY WITH THE STATE BAR I HAVE FILED COMPLAINTS WITN THE TEXAS ATTORNEY GENERAL AND, ATTORNEY THE GENERAL OF UTAH WHAT YOU FAIL TO REALIZE HERE IS I HAVE NEVER PICKED A BATTLE I LOST. 
THIS WILL. NOT BE THE FIRST. 
ONCE AGIN REG F REQUIRES WRITTEN NOTICE OF A DEBT AND THE RIGHT TO DISPUTE THAT DEBT BEFORE PLACING AN ACCOUNT ON THE CREDIT REPORT NOT AFTER. 
AND YOU ADMITTED IN WRITING YOU DID NOT DO SO. 
I AM HAPPY TO MAKE YOU THE TEST CASE FOR OT PROVIDING NOTICE. 
I WILL ALSO BE SUING YOUR CLIENT. AND BASED ON THE. U BRR OF CPMPLAINTS WITH THE XXXX  IT WILL BE A CLASS ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: Mortgage Research Center, LLC
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2022 I was given the pre-approval with the mortgage company Veterans United for a mortgage of up to {$140000.00} with the current state of my hourly pay at {$13.00}. The hone I planned to purchase was accepted as an offer of {$130000.00}. Upon us paying for the inspection and then the appraisal as the purchaser it seemed ironic when the seller would be able to use the appraisal and inspection reports upon the sale whether this contract succeed or another buyer is located. Upon XX/XX/XXXX the purchase signed agreement was completed, with the tentative closing date to which would be XXXXas we came close to the closing date the Veteran 's United team provided the final underwrite review they were concerned about some of the bills which could have easily been paid and rolled into the loan if the were obstacles that were there in the initial preapproval of the application. Without regards for the partner, XXXX XXXX, acting as my proxy during the entire process having the requested actions or documents needing review be the denied mortgage and unnecessary cost incurred should be reassessed as to who should pay when best practice would dictate the seller in any case.

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