BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-21
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
A cancellation of an XXXX credit card payment {$1900.00} didn't go through and they can not stop it and will do multiple attempts ( that is what their representative said ). 
When I noticed the next day ( Tuesday XX/XX/XXXX ) that fund will be low on the Citi Bank account, I setup a bank transfer from XXXX to Citi Bank. 
XXXX did two trial deposits ( {$0.00} and {$0.00} ) and later subsequent debits on the Citi bank account on XX/XX/XXXX, to establish connection so I can transfer funds. 
On the same day ( XX/XX/XXXX ) XXXX deducted {$1900.00} for credit card payment. 
Also on the XX/XX/XXXX since I now can transfer fund from XXXX to Citi, I initiated transfer of {$1900.00} from XXXX to Citi. 
On XX/XX/XXXX the funds from XXXX got to Citi bank checking but the XXXX charge was returned and an overdraft fee was applied. I contacted Citi bank right away and they waived the {$34.00} overdraft fee. 

This morning XX/XX/XXXX I noticed an overdraft of {$68.00} on the Citi bank account. I reached out to Citi customer service and they said that was for the two trial debits while the account was overdrawn. I tried to explain that I dont ' have control when banks debit amounts and that I tried to fix it by transferring funds to the Citi account. 

Today XX/XX/XXXX Is see that XXXX now charged {$1900.00} again and because of the {$68.00} overdraft fee I am overdrawn again. The representative this morning said I may get another overdraft charge the next business day.

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 2023-07-12
Company: Experian Information Solutions Inc.
State: LA
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 accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX : {$170000.00} XXXX XXXXXXXX Balance XXXX {$4400.00} XXXX XXXX Balance : {$6.00} XXXX  XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$10000.00}

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 explanation
Consumer complaint received 2020-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I ( XXXX XXXX XXXX ) have not missed a mortgage payment within the past seven years. I am not having difficulities paying my monthly mortgage obligation. However, the problem I am having is with Bank of America blocking my accessibility to open and view my mortgage account as of XX/XX/XXXX. I had enrolled in a electronic Pay Plan 24 with Bank of America on XX/XX/XXXX. I have not changed my checking account. I have not requested for this form of payment to stop. Bank of America has not given written contact stating that they were not processing my mortgage payment via Pay Plan 24 or that they deactived that option. On XX/XX/XXXX, I checked my account and noticed my payment was not taken out of my account. Once again, I was not given any notification regarding any changes or an explanation as to why I do not and can not access my mortgage account. 
Bank Of America has removed my ex-husband XXXX XXXX from the loan without my prior knowledge. The paperwork list and or refer to him as a " Seller '' this is false. XXXX XXXX was court ordered to deed his interest of the home to me in XX/XX/XXXX. This is knowledge to Bank of America so I am unclear as to why they have dediced to list him as a " Seller '' and has removed his name from the loan. I have been paying the mortgage since being approved for the home modification. XXXX XXXX was discharged through Chapter XXXX bankruptcy in XXXX.Bank of America is also aware and knowledgable of this and has all the supporting documentation. I was told at the time of the modification that his name could not be removed from the home loan. Now, XXXX Bank of America is removing his name. Is this proper protocol? I need Bank of America to stop blocking me access to view and open my mortgage account. I also, need for Bank of America to accept my mortgage payment that was due on XX/XX/XXXX. Since Bank of America deactivated my Pay Plan 24, I called in Friday, XX/XX/XXXX and my payment was processed over the phone. The representative reactivated my Pay Plan 24, I do not wish this to be deactivated.

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 2023-12-08
Company: Experian Information Solutions Inc.
State: FL
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, the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX Acct # XXXX has violated my rights XXXX XXXX  XXXX # XXXX has violated my rights XXXX XXXX  Acct # XXXX has violated my rights XXXX XXXX XXXX Acct XXXX XXXX has violated my rights XXXX XXXX Acct # XXXX has violated my rights XXXX XXXX  Acct # XXXX has violated my rights XXXX XXXX acct # XXXX has violated my rights XXXX acct # XXXX has violated my rights XXXX XXXX Acct # XXXX has violated my rights XXXX  XXXX Acct # XXXX has violated my rights XXXX XXXX XXXXXXXX XXXX Acct # XXXX has violated my rights XXXX XXXX Acct # 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 an accoun

t without my written instructions. 15 U.S.C. 1681 ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information other than records of convictions of crimes which antedates the report by more 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 explanation
Consumer complaint received 2023-03-05
Company: WELLS FARGO & COMPANY
State: GA
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:
Wells Fargo continues to damage me and crucify my credit score over a debt I settled by tender of payment back in XXXX The debt is over 8 years old, the statue of limitations is 7 years on a debt that has been settled by either discharge or settlement. I sent them a tendered offer in XXXX and they kept it and never complained when they kept the settlement. I am tendered payment to these liars must I tender of payment again because they continue to act in dishonor and hold my credit report hostage. 

I have complained to the Consumer Financial Protection Bureau ( CFPB ) in the past numerous times yet you have done nothing to assist me. There is no justice in the United States of America and we the people are screwed from the bureaucracy! 

I want the CFPB to force Wells Fargo to abide by the Fair Credit Reporting Act as well as Fair Debt Collection Act. You are allowing them to XXXX me financially after the seven year statute of limitations. WHEN DOES IT STOP! I HAVE SETTLED THIS DEBT AND TENDERED PAYMENT!!!!!!

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 2023-12-08
Company: Experian Information Solutions Inc.
State: TX
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:
I am writing to DEMAND removal of 1.DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX from my report. this is a violation of 15 usc 1681 ( a ) 4 and my right to privacy.

I will be forced to notify the CFPB & the FTC of violations of both my rights as a consumer and your obligations as a consumer reporting agency. I require XXXX XXXX dollars and no cents ( {$1000.00} ) per day if this reporting continues. 15 usc 1681a ( 2 ) a ( i ) clearly states transactions are to be excluded from the report. I would like all further reports to reflect this. I have no contract with XXXX, EXPERIAN, XXXX, any sharing of my private information, my non public personal information, my financial information, medical information is a violation of not only the FCRA but also HIPPA, GLBA.

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 2021-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I, XXXX XXXX have received an inquiry on my credit report after getting on a car lease with XXXX on XX/XX/2021. I am a victim of identity theft and did not give permission for these assumed credit reporting agencies to have access to my information. Under 15 U.S. Code 1681n, " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' Please have this inquiry 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 explanation
Consumer complaint received 2023-12-08
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX a payoff statement was obtained from Truist bank showing a payoff amt of {$250000.00} with a payoff date of XX/XX/XXXX ; with a per diem interest charge of {$59.00}. 

The loan was paid off on XX/XX/XXXX by means of a wire transfer in the amount of {$250000.00} The additional interest due to Truist from XX/XX/XXXX ( date of payoff statement ) to XX/XX/XXXX ( when loan was paid off ) should be {$1100.00} ( i.e. {$59.00} per diem x XXXX calendar days ). 

Prior to the XX/XX/XXXX payoff, when the regular monthly payment was due, on XX/XX/XXXX I paid Truist {$1800.00}. 

On XX/XX/XXXX Truist credited me {$1800.00} So the amount of credit anticipated to be refunded back from Truist would be {$1800.00} as follows : Payoff amount as of XX/XX/XXXX : {$250000.00} ; Additional Interest per diem from XX/XX/XXXX XX/XX/XXXX : {$1100.00} ; Regular monthly XXXX paid on XX/XX/XXXX toward loan repayment : {$1800.00} ; Total XXXX due to Truist for payoff : {$250000.00} ( i.e. {$250000.00} + {$1100.00} - {$1800.00} ) ; Payoff amount wired to Truist on XX/XX/XXXX : {$250000.00} ; Additional amount in payoff ( which should have been credited to me ) : {$1800.00} ( i.e. {$250000.00} - {$250000.00} ) ; However, since Truist only credited me {$1800.00}, the amount Truist still owes me is {$23.00} ( i.e. {$1800.00} - {$1800.00} ) I went to the bank the very next day after they credited me {$1800.00} because I immediately recognized the error. The local branch said they would submit the request to their Home Equity Line Of Credit Department and get back to me in a week. I did not hear from them. So XXXX weeks later ( around XX/XX/XXXX ) I went back to the local branch and they had no further information for me, simply saying they submitted the claim for review. 

As of this writing I have not heard back from Truist, nor have I received the {$23.00} owed to me.

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 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

XXXX XXXX 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 XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2022-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
This is an ongoing case on unauthorized credit inquiries, i notified all parties and i sent a complaint to you guys before about the same thing, I didnt authorize the now 4 inquiries, what did you guys do? Its been over 30 days, some over 60 Days some OVER 90 DAYS and I still haven't got my issues resolved and soon I'm going to court with this because im not getting any assistance with you and Transunion and this is effecting my opportunities to move forward in life. These inquiries should removed from my report as soon as possible and my any points i lost should be repaired especially due to the negligence. 

XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/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 2023-12-08
Company: Experian Information Solutions Inc.
State: CA
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:
I am writing to formally address and dispute the collection account being reported by XXXX XXXX, purportedly stemming from an alleged contractual arrangement with XXXX XXXX. I want to clarify that I have no contractual affiliation or relationship with XXXX XXXX, and thus, I do not recognize any supposed contract they claim to have with me. 

My foremost concern pertains to the lack of documented consent or authorization granted to XXXX XXXX regarding any association with XXXX XXXX. I have not provided any such consent, nor is there any evidence to support XXXX XXXX XXXX claims to the contrary. 

Furthermore, XXXX XXXX lacks the authority to engage in any actions or transactions regarding XXXX XXXX without the explicit consent of the only real party of interest or surety involved. I demand evidence to substantiate any claims of authority that would justify their involvement without proper authorization, which, as of now, remains conspicuously absent. 

Regarding any signature referenced by XXXX XXXX, it is imperative to note that any signature they possess can not be considered valid if it was obtained under questionable circumstances. Therefore, any purported signature attributed to XXXX XXXX, held by XXXX XXXX or XXXX XXXX, is hereby rescinded and invalidated. 

Due to concerns about potential harm and the infringement of the rights of myself and of the surety, I formally declare the discharge of any obligations toward XXXX XXXX due to their communication with me without prior consent from the surety. I also demand the prevention of any trespass against the rights pertaining to the subject matter in question, especially as they pertain to beneficial title holders in private. 

It is crucial to emphasize that neither XXXX XXXX nor XXXX XXXX have been granted permission or consent to furnish any information to credit reporting agencies, especially in the absence of my explicit written consent, which remains absent and unverified. 

Furthermore, I hereby revoke any and all forms of consentverbal, non-verbal, written, or otherwisegranted to Experian, XXXX, XXXX, XXXX XXXX, or XXXX XXXX. Additionally, any security interests purportedly granted to XXXX XXXX or XXXX XXXX are hereby rescinded, revoked, and rendered null and void ab initio. 

I expect a prompt and thorough investigation into these matters and the immediate cessation of any further communication or reporting by XXXX XXXX and XXXX XXXX until these issues are satisfactorily resolved.

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 2022-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
They refused to close an account that I have never activated or used. They continue to hit my credit with late payments. I called and asked to close the account they refused. They do not have the right to use my name as it is copyright and trademark!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I requested my account to be closed in early XX/XX/2019 and Navy Federal did not close my account which one of the representatives said was due to processing time. By the account being left open according to the information given by the representatives they stated the account accrued multiple overdraft charges which resulted in multiple overdraft fees which I found highly unfair and poor practice. Furthermore, my account has been satisfactory without overdraft issues for a very long time, however, my wife overdrawn her account which is separate than mine and according to Navy Federal it  was set up at the time at the branch for me to have the ability to transfer funds into her account if need be. Navy Federal instead of using my account as overdraft protection allowed her account to overdraw and charged her overdraft fees and when she decided that was unfair and not to use the account any longer Navy Federal waited almost two weeks then transferred money out of my account without notice and the result was my account went low and caused overdraft fees. I asked is " joined '' to her account why wouldn't it overdraft protect her account if I am responsible for it or why wouldn't someone inform me that money is going to be taken out of a separate account and no one could have a clear answer as to why this occurred. I think its a crime to say my account can overdraft protect an account but then don't overdraft the account which caused overdraft fees on both accounts. I want to explore all my options in regards to how this scheme takes advantage of individuals.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
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 # XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX has XXXX my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2018-06-01
Company: National Principal Group, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I called the company back and requested that they send me a letter to verify any debts. They refused to send me a letter. They have my name and address, but would not send me any information to verify a suppose debt. And to stop calling relatives and friends to try to locate me. I only want them to send me a letter, so I can verify any debts.

Company response to consumer: Closed with explanation