BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-11
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
We cashed a check at a check cashing place who had to put most of our money on a prepaid Netspend card. No issues at first until they put a hold on our card. We called and asked why. We were told the hold was placed due to my wife having a balance of XXXX with netspend years ago or so. She agreed to pay the {$100.00} and we were told the card would be usable again in 24 hours. Its been XXXX hours. They are holding over {$8000.00} due to {$100.00} balance that, again we agreed to pay. 
We have been hung up on. Ignored. Lied to repeatedly. To hold {$8000.00} hostage over {$100.00} debt that was taken out already should be investigated. We still have no details on where the {$100.00} hold could come from. We have nothing not even an explanation.

Please help stop this from happening to the next person

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 2018-03-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a long-time checking/savings account holder with Fifth Third. On XX/XX/XXXX, my wife and I applied for a conventional mortgage loan to purchase a new house through Fifth Third. My original Mortgage Loan Officer was XXXX XXXX ( NMLS # XXXX ). XXXX provided a pre-qualification letter and assigned the loan to a Mortgage Processor, XXXX XXXX ( NMLS # XXXX ). 

XXXX, who was rude and unprofessional throughout the process, asked me to provide numerous documents, which I did without question and without delay. One of the documents XXXX asked me to provide was a copy of my home inspection. XXXX failed to inform me that I was not required to provide a copy of the inspection, failed to inform me that, if I did provide a copy of the inspection, that I would be required to rectify certain items on the inspection report, and failed to inform me that I would be required to pay for such rectification. In fact, XXXX failed to inform me of anything - she simply asked me for a copy of the report, which I provided. 

On XX/XX/XXXX, XXXX informed me that I would have to make certain repairs to the home ( which I do not yet own ), that I would have to hire a contractor to complete these repairs, and that these repairs would need to be completed prior to the closing date of XX/XX/XXXX ( a mere 20 days later ) in order for Fifth Third to approve the loan. 

The following day, I called both XXXX and XXXX to complain about what had transpired. XXXX admitted to me that XXXX should not have asked me for a copy of my inspection and that XXXX should have advised me of what would happen if I did provide a copy. XXXX then offered a potential resolution - there would be an escrow hold-over of an amount to be determined ; once I completed the repairs myself, I could provide proof of the same and the hold-over funds would be released. I agreed to this compromise. 

On XX/XX/XXXX, XXXX called me to inform me that the compromise we discussed on XX/XX/XXXX was not possible and that I would have to complete the repairs prior to closing. Considering that I do not own the home in question and that I have already negotiated the contract with the seller, this is simply not possible. 

I am now forced to find another lender at the last minute in order to avoid losing the home my wife and I wish to purchase. 

Fifth Third in general and XXXX and XXXX, in particular, have gone out of their way to attempt to ruin my purchase of a new home. Fifth Third should be ashamed of how it has treated a long-time customer. XXXX and XXXX should be stripped of their licenses to ensure that they do not have the opportunity to ruin another couple 's future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
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:
I reviewed my consumer reports and noticed that I had 3 late payments on an account that I was never late for. Consumer Report Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with MAXIMUM accuracy. I have never been late on payments for the account. 

XXXX XXXX XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated on " on-time '' and never late as they should be as I was NEVER late or REMOVE from my consumer report. 

Thanks, 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 2022-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
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 made a purchase using my Bank of America Credit Card back in XX/XX/2022. It was a purchase with XXXX XXXX. I immediately canceled the purchase, document the person name, the reference number, etc. My Bank gave me a credit of {$59.00} on my account ending in XXXX, Case number XXXX. The merchandise was returned to XXXX XXXX facility in XXXX, Florida, XXXX, on XX/XX/2022 at XXXX. Now the Bank wants me to continue to respond to the the company, this is over a month later. I received the letter XXXX XXXX and have by to respond by XX/XX/2022, which is not enough time.

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 2018-03-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In XXXX ( I do not have an exact date for the first two calls ), I began receiving robo-calls from Citizen 's One ( XXXX ) regrading an auto-debt owed by someone I do not know. Over a year ago I had also received debt collection calls for this person, but they stopped after I informed the company that I did not know him. However, this time I have received REPEATED phone calls for this person even after I have informed the company multiple times that I am not and do not know him. I have been questioned aggressively about whether or not I'm *sure* I don't know [ the guy I don't know ] basically every time. I also let them know that I am a teacher and they keep calling me during school hours. I even had my CLASS inform Citizens One that I am not [ the guy I don't know ], but I still get calls. 

Today, I received a call from XXXX for the same person. The caller would not identify what organization she was from when I asked, only asked if I was [ the guy I don't know ]. I told her that I am not him, I do not know him and I have repeatedly asked them to stop calling me. She said she would remove my number from their calling list. However, I AGAIN received a voicemail from their robo-dialler.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/23 someone named XXXX XXXX with an account ending in XXXX tried to became a member-to-member on my navy federal credit Union account XXXX There was a very legit looking text with a link to a legit looking website. I filled out my name, address, DOB, social security number, and mothers maiden name. I realized my mistake and have changed all my information and become a member of life lock. They tried to withdraw {$4500.00} and {$2500.00} from my accounts from my understanding but got blocked by security questions. So I do appreciate that NFCU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
State: LA
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, never gave Equifax any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
As a consumer, I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2023-11-25
Company: Sentry Recovery and Collections, Inc.
State: NV
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My uncle got an apartment in my name and was evicted. I have been fighting to get this removed from my credit report with no response or help from anyone. 

On XX/XX/XXXX XXXX  {$2000.00} was added to my credit report. and on XXXX I contacted all 3 credit bureaus who said they were going to research and but I never got a response and when I try to dispute it again it just says Unable to submit dispute " This tradeline has already been investigated for a dispute ''

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 2023-07-09
Company: Experian Information Solutions Inc.
State: PA
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 DPT EDXXXX 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In my previous CFPB complaint XXXX, I asked a question that I was told by American Express representative that I can now only redeem my American Express reward points to gift cards, I can not redeem them in other ways such as transferring to partnership airline award programs. I believe I should still have the opportunity to redeem my remaining reward point via transferring to a pre-established partnership airline award program, or other methods other than gift card redemption. I have more than XXXX points in total to redeem, I want to transfer these points to XXXX XXXX points that i have pre-established the transfer before. However, I was told I can not redeem this way, only option i have is Gift card redemption. American express closed the complaint without providing answer to this question.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have sent letters to TRANSUNION multiple times requesting the information on my consumer report be verified with original documentation to verify it the information on the report is correct. Transunion has yet to send me any documentation on this matter. I am a victim of identify theft and I have file a report with https : //www.identitytheft.gov XXXX  - {$1300.00} - XX/XX/XXXX XXXX XXXX - {$6800.00} - XX/XX/XXXX XXXX XXXX XXXX {$17000.00} - 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 non-monetary relief
Consumer complaint received 2023-12-02
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting 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:
To whom it may concern, I have contacted the credit reporting agencies and them know the inquires that are listed on my report in the document i have included below are not suppose to be listed on my consumer report. I am highly concerned and frustrated that it is listed. I have not gave anyone permission or consent to report them. This is identity theft. Aggravated Identity Theft 18 U.S.C. 1028A

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 2022-02-16
Company: CITIBANK, N.A.
State: MA
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:
I have asked credit companies to validate the date and provide me documentation that shows who sign up for these accounts and despite my letters to them to do so they have not done so. I have reported these accounts to the police as fraud : US dept of ED acct # XXXX XXXX Bank acct # XXXX Alleged XXXX  Account # XXXX : LOAN : XXXX XXXX Subsidized Amount XXXX XXXX LOAN : XXXX XXXX Unsubsidized Amount $ XXXX LOAN XXXX XXXX Career Training Amount $ XXXX LOAN : XXXX XXXX Unsubsidized Amount $ XXXX LOANS TOTAL AMOUNT {$13000.00} XXXX 
Please see attached statement. 
Ref : Alleged Account XXXX - XXXX XXXX XXXX , Social Security XXXX XXXX XXXX  ACCOUNT [ XXXX ] Re : CITI CARDS XXXX XXXX ] Re : CITI CARDS Ref : Alleged Account # 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 2021-10-20
Company: BARCLAYS BANK DELAWARE
State: WY
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:
After a minor audit we identified unknown fraudulent charges and reported it to my credit card as soon as possible. This was first reported on XX/XX/21. Ever since my first reporting this I have attempted to speak to someone again multiple times, at least 4-5 times and I am never able to get someone that can answer any questions. I get transferred from representative to representative and put on hold for hours at a time. Honestly, HOURS!! 
We are now looking at more than 4months almost 5months since first filed. I did recv a letter from them once to call them and when I tried, there is no one that has anything that can help and they just keep me on hold. As of today, I have not had any further communication regarding my claim. 
I truly think they expect me to just give up and forget this since I'm XXXX  But this is my credit card and they are suppose to protect and help me. That's a joke. 
I had fraudulent charges on my account and I want to be supported. If I don't hear back from this claim I will make sure everyone I know has knowledge of my experience and I will tell them not to work with XXXX because they don't support their clients, they seem to hide behind the hold music. Especially the elderly, its unacceptable. I cant keep holding for hours and not get anyone that can help me. So disrespectful!.

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 2018-08-01
Company: SYNCHRONY FINANCIAL
State: LA
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:
I purchased furniture at a local merchant in late, XX/XX/XXXX. That purchase was financed over time, and the loan was sold to XXXX XXXX. My first payment was made in XX/XX/XXXX in the amount of {$180.00}. Subsequent payments of {$180.00} per month were made each month for 27 months and a total {$4800.00}. I have bank records that prove {$180.00} was debited from my bank account each month beginning in XX/XX/XXXX and ending in XX/XX/XXXX. I am happy to provide the XXXX file from my bank, to include confirmation numbers, to the CFPB or the receiving institution. Notwithstanding the monthly payments of the agreed-upon amount, the creditor ( XXXX XXXX ) has reported this trade line severely delinquent -- reporting it 30 days late five times, 60 days late four times, and 90 days late three times. It is egregious that one can purchase furniture, the loan be sold/serviced to XXXX XXXX who receives the monthly amount due, and that bank then prey on a consumer who is making payments in good faith with regularity and never missing a monthly payment. I invite any creditor or agency with a bona fide interest to review my credit history, and you will find stellar credit payment history that begins 19 years ago and includes real estate, installment, and revolving accounts. What is even more unbelievable is the original furniture purchase called for 24 monthly payments of {$180.00}, which is a total payback of {$4300.00}. While I tried to work with XXXX XXXX  even though I could not understand what the problem was, I ended up paying three additional monthly payments of {$180.00} -- making the total payback more than {$500.00} over the original amount of the purchase.

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 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
I applied for XXXX XXXX card. I do not have a phone. can not access mobile app. could not access on internet site. Written request to fix access. NO response. Written request to identify the company of a transaction was met with fraud investigation and reissue of account. was not notified of fraud investigation suspension of account and reissue of account. I had also requested a waiver of the yearly fee and an increase in credit line. Was denied. Asked the account not to be renewed. Accepted loss of yearly fee already paid -account was in good standing. The account was closed with a credit on the account. However, the Account was closed for a fraud investigation. I was not aware/notified of closure and reissue of account. Reoccurring charges were denied. Did not activate subsequent credit card received in the mail. Received a bill in the mail about three months later statement was from reissued account with all kinds of fees and interest. Also received a letter stating the account was under investigation - this is in XX/XX/2022. However, the company is already reporting negatively, and I recall seeing something about a charge off. This is against the company 's own policy. I also recall something about alleged provisional credit after the fact. I was never billed or notified. I requested closure of the original account that was ignored- while in good standing with a credit balance. However, the company closed the account for a fraud investigation initiated on its own accord. The company is reporting to credit bureaus, I requested closure when I never activated the account it is reporting on. These correspondences are by physical mail and complaints to regulating agencies. XXXX removed the monthly credit inquiries- and continues a report for a credit account I never accepted or activated. Regardless of whatever laws the company claims to be following- I had already stated before the company initiation of fraud investigation -I did not want to continue a relationship with the company. A new account was not warranted - accepted or activated. 

Credit reporting agencies are not providing the investigation information. the company has not proven that I accepted the account and/or activated the account. The reporting company has not provided the results of the latest fraud investigation- XX/XX/2022. The reporting of this alleged new account in accordance with federal law fraud investigation actions is premature, there is no interest, fees, collection and/or charge off warrented at this time.

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