BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX Wrong Address : XXXX XXXX XXXX XXXX, GA 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 2021-12-29
Company: CBC Companies, Inc.
State: SC
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:
XX/XX/2021, Innovis is reporting a XXXX XXXX XXXX  account which is a Charge off account. After filing a charge off during tax season XXXX XXXXXXXX XXXX is required by law to list a charge off as a XXXX  balance. This is inaccurate reporting by XXXX XXXX XXXX and must be DELETED due to inaccurate reporting to any consumer credit agency. I have attached a copy of my Innovis consumer credit report as proof that XXXX XXXX XXXX is reporting a charge off account with a balance of {$990.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I just opened a checking and a savings account on XX/XX/XXXX, XXXX my daughter who just turned XXXX. On XX/XX/2021 when she tried to access her account, she realized both accounts have been blocked. We called the customer service line and was told her account had been submitted for closure. When we tried to ask why, they hang up the phone. We went into the branch and tried to get answers but to no avail.

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 2018-08-30
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The Huntington Bank had a national news story break about skimmers on ATM 's in XXXX, Ohio. Following me making a {$440.00} cash deposit in an ATM in XXXX I has fraudulent transaction in my account. I've now spoke with 5 different representative including 2 supervisors who has all told me different things. First I was told they would expedite the fraud claim and it would be resolved within the business day. Then I was told the first rep could have reversed the pending transactions but now that my debit card has been cancelled they could no longer. Then I was told the rush could take up to 48 hours to resolve and could be as early as end of business day Friday of last week. Now I'm being told they have up to 10 business days before they will issue a provisional credit but could take up to 90 days to investigate. The different information and conflicting time periods have left me frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Early in 2023 I applied for a credit card from XXXX, through Synchrony Bank and was approved with a credit limit of {$1500.00} and i did not get an actual card from them for XXXX months as they kept saying it was mailed but I never received it. I finally received the card XXXX weeks ago and used it a single time for a purchase of {$200.00} or 12 % of the available credit. 

Subsequently, I received the attached letter advising that my credit limit had been reduced to {$200.00} based on a review of my " credit worthiness ''. This decision negatively impacted my credit score because this reduction resulted in a negative impact on my credit as it now shows that I have used 95 % of the available credit on this 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 2023-07-04
Company: Kikoff Inc.
State: MI
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:
I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. My credit report was hacked & been userd and abused by someone else other than me because I have been 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 2023-10-30
Company: NRA Group, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NTL has harassed me for the last time. I do not owe this debt. Its not mine. The doctor office gave them my info erroneously. Since it a collection- its been discharged and is now income. They refuse to give me a 1099c. The IRS says they owe me this form. Someone from the company got the letter requesting this and they refuse to comply.

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 2021-12-29
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I applied for a Heloc with BMO Harris on XX/XX/XXXX, were a rate was agreed based on estimated Credit score and appraised value. After waiting all the way until XXXX to be able to close as they had delays with appraisal, they finally send me the closing documentation with a date of XX/XX/XXXX with a higher rate. I called them to understand why the rate changed and they explained that the appraisal came for a lower value and the XXXX was higher, hence the change in the rate. So I requested them to lower the loan amount to keep the same rate as the original loan amount and they said the commitment expired on XXXX and they could no resubmit to underwriting. The only solution was to submit a new application. So not only the loan was delayed due to their process, a change in rate was not disclosed before closing, and they tried to force me to a higher loan amount and higher rate due to a " regulation ''. I placed a call to the supervisor and never received a call. I sent an e-mail to the loan specialists and still waiting for a response.

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 2018-05-09
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have received multiple phone calls to my place of work. 7 calls came to my place of work in a matter of 3 hours. When I reached out to XXXX ( the individuals making the calls ) to ask that they contact me by cell phone and email only, t hey threatened to show up at my job to serve me papers. They attempted to speak with several of my co-workers about the issues which is a breach of privacy. I attempted to speak with XXXX and they informed me that it was an outside firm making the calls. I was not able to reach a solution because the representative would hang up on me. ( 4 times ). The only contact information I have for them is XXXX XXXX and a phone number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: VA
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: Resurgent Capital Services L.P.
State: MA
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:
This is regarding the Capital One Collections Account Reporting as OPEN with a Past Due balance of {$1400.00}. 

On XX/XX/2023 I sent a certified mail requesting this account be removed off my credit report. Since then the account has been updated to meets FCRA requirments. This is false for more than 1 reason. This account has been charged off. IRS defines charge offs as income, income CAN NOT be reported on a consumer report. I never received tax information regarding this account. I have disputed this account several times.

This account is still reporting as a open account which is a direct violation as well! All three agencies are still reporting KNOWINGLY and WILLINGLY against my rights. Violating XXXX Compliant Reporting Standards, also violating 15 USC 1681 2 ( a ) ( 1 ) ( a ).

The Fair Credit Reporting Act states that I have a right to fair and accurate credit report, you are required to remove any information that is not true, accurate, compliant, and verifiable I DEMAND that this account is removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have an Amex offer " Spend {$60.00} or more, get {$20.00} back '' on XXXX XXXX. I placed an order onXX/XX/XXXX. The initial charger was {$60.00}, then I received a confirmation email titled " Great news! You just used your Amex Offer ''. The content is " Dear XXXX We appreciate you using your Amex Offer at XXXX XXXX. Look out for a {$20.00} statement credit, which will automatically be applied to your statement if your purchase meets the offer terms. '' There were some items in my order were cancelled without notice. I only know this cancellation after the shipment, when was XX/XX/XXXX So the charge was adjusted to {$46.00}. Now AMEX refused to give me this {$20.00} credit. The cancellation was out of control at my side.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2023-01-06
Company: VW Credit
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased this vehicle in XXXX of XXXX this is the second time my vehicle has been in the shop. I have driven this vehicle under XXXX miles since date of purchase. I use this vehicle to and from work where I commute with my XXXXXXXX XXXX. On XX/XX/XXXX the car shut down again, I've also had to XXXX next to everywhere for weeks, that is until XXXX XXXX  I was called to finally get loaner vehicle. Audi XXXX XXXX sent a tow company for my vehicle on XX/XX/XXXX, a week later I got to find out my vehicle was still in the tow yard cause Audi XXXX was closed when trying to deliver my vehicle. I was given a call a week after delivery to be told there is a part that needs to be ordered and I can come a loaner had to take an XXXX  to XXXX to get this loaner. Got a call last week that said the part was going to be probably in the shop around XXXX. This is now me going on a 2 months and a half without my vehicle. I went into Audi XXXX on XX/XX/XXXX and was told that the generator that was ordered came for my vehicle but now there is a fuel pump that need to be replaced due to a recall. on XX/XX/XXXX I got a call from Audi stating that they have the part and my car would be repaired which was the recalled fuel pump. I got another call stating there was a recommended service to be done on my car on XX/XX/XXXX. Then I got a text on XX/XX/XXXX stating that the engine light came on while performing the recommended cleaning and that I had to have the fuel pump replace again. I was refused a trade in, offered {$7200.00} in cash or trade in and I am requesting the full amount I have paid for this vehicle which XXXX XXXX is refusing to do. They sold me a car that is defective. I have paid {$48000.00} so far of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Refer to previous CFPB # XXXX, XXXX XXXX. " BANK '' refers to " BOFA '' etc. BANK continues failure refuse use of correct addresses, access cards for all BANK credit and deposit accounts sent to incorrect address thus hazards/ disrupts access to funds ( XXXX XXXX, XXXX XXXX, XXXX XXXX ). Fate of cards unknown. Attempts to contact BANK by computer and voice still ineffective, loops to AI agent etc. Accesses to account through BANK internet fail, seems to leaves account open ( XXXX  XXXX, XXXX XXXX ), thus BANK request to delay of prior CFPB # XXXX on XXXX mere delay tactic. 

First impression was that USPS was at fault thus prompted my submission to BANK a dispute and retraction of payment to USPS when in fact BANK was responsible, an embarrassing waste of time. 

Exhibit/ XXXX/ XXXX/ Date : XXXX XXXX. BOFA incorrect address XXXX XXXX  XXXX. XXXX correct address XXXX EX XXXX. XXXX messages on BOFA envelopes XXXX XXXX  XXXX. BOFA website breakage example XXXX XXXX  XXXX. BOFA XXXX app breakage example XXXX Exhibit filename : XXXX XXXX XXXX XXXX XXXX Note, don't publish the exhibits.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
Equifax my account - subscription monthly Navigating to cancel shows an error, on website. not links or cancelation navigation options, no phone number or contact page. in the account page. 
even the error message does not have a number to call. have tried multiple devices, and browsers, and networks, and still have this issue I am sure I am not the only one and this is unacceptable for a credit reporting agency to have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: ProCollect, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This complaint is in regards to Pro-collect Inc using illegal practices to collect debt. I moved out of student housing during the Summer of 2019. When I moved into my new student housing I received a letter from my previous housing I was told that they would refund me {$340.00} from my security deposit and that I would receive a check within 90 days. 90 days past and I received no letter and I called the property and they told me they were under different management. Years later I am looking for an apartment and I was informed that I had a collections and I never received any notice from the agency nor the apartment complex. The complex was able to mail me my letter indicated the amount I was owed, so they knew my address and the collection agency should not have had an issue mailing it to me, being that my new address was on file.

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 2021-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have send three rounds of certified letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, all in 2021 ) for the correction of my TransUnion credit report for inaccuracies and for TransUnion to send me an updated credit report. XXXX has ignored my letters and when I've called them multiple times on the phone they have placated me with promises that they would update my file and send me corrected reports. I have received nothing and have been ignored completely. I'm at wits end, please assist 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 non-monetary relief
Consumer complaint received 2019-02-21
Company: Trident Asset Management, L.L.C.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The original debt was to XXXX in the amount of {$380.00}. The debt was sold to an investor, Trident Asset Management, XXXX. XXXX XXXX, XXXX GA XXXX Phone : XXXX who placed it on my credit report. In an attempt to clear the obligation, I telephoned the debtor and offered payment arrangements. They told me to go on their website, input the debtor 's name and the last 4 digits of my social security number and input my payment amount. I tried to do this twice and received an error message saying my debt could not be located on the payment website. I am filing this complaint as a result of this activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: KEYCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a checking and savings bank account with Laurel road bank. It's Keybank. I have my salary direct deposit in this account. Since XXXX XX/XX/2023 I am not able to access this account. As per the message, I was told to call the bank which i did on XXXX XX/XX/2023 and was on the phone for around 45 minutes. Reasons provided : 1. One of the check was returned back. 2. There was a direct deposit from my husband into this account. I provided my clarification and they said that they will add my spouse as a joint owner for checking account and will unblock my account to access it and do any transactions. But even after 14 days - my access is not working. It's my salary account and all my savings are there. Laurel road bank is strictly an online bank so I can not go to some branch to do these transactions. This is the message I am getting Your Online Banking account is restricted. To verify your identity and gain access, please call us at XXXX or TDD/TTY XXXX. Finally I got one letter from Keybank that they are closing my account and going to negatively impact my credit profile. Please see the attached letters. Not only this unfair and unreasonable bank held my money for weeks but now closing my account. I have no idea whether my employer paid me accurately or not? 

It's almost 4 weeks- neither I can access my account nor keybank has sent me a check ( as they are stating that they are going to close my account ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for an American Express card with a sign up bonus. When I called them to verify the bonus, they told me I signed up for a lower bonus amount but that I could cancel my card and reapply for the higher sign on bonus. 

I followed their advice and did so, only to find out that I was not eligible for either bonus because I already had the card ( which they advised me to cancel in order to get the higher bonus )! 

I've tried to get them to make it right and reactivate my card so I don't have an additional credit inquiry but they refuse to do so. 

I'm a XXXX XXXX and this is unacceptable.

Company response to consumer: Closed with explanation