BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
This issue concerns a XXXX XXXX credit card that gets fairly infrequent use. After paying off the account balance inXX/XX/XXXXXX/XX/XXXX, as I do each month when the card is used, an additional transaction posted, payment for which was evidently due in early XX/XX/XXXX. No statement was ever delivered to that effect. No late notice was delivered. No phone or postal mail correspondence followed up on this balance. 

On XX/XX/XXXX, XXXX reported a past due balance of around {$110.00} ( {$70.00} of which is late fees ) to the credit bureaus. When I immediately paid the balance and inquired as to why they had sent no email statement and had not followed up with an email reminder, postal mail statement, or phone call prior to reporting to a credit bureau, the customer service agent said ( 1 ) that they are not required to deliver statements and ( 2 ) that they are required to report past due accounts to credit bureaus and can not then undo the report. Neither of these is true. When I reminded them of their obligations under the Regulation Z dispute process, they declined to take action and instead suggested I call ( the law requires written notice of the dispute, which I have provided ). 

I acknowledge the underlying {$40.00} transaction as legitimate. However, with more than 10 years of on time payment history, the only reason this was not paid is because no statement was ever delivered. Their total failure to follow up is debt parking, and while that practice may not be illegal, the customer service response that lies about the law is completely outrageous. They are required under 12 CFR 1026 to deliver statements, and no creditor is required to report late payments ( or prohibited from correcting errors ).

The idea that an 11-year account holder should take a hit on a credit report that will last for years because of a {$40.00} purchase that was never properly billed, and for which  absolutely no effort was made to collect prior to reporting as delinquent, is a black mark on XXXX for allowing their card servicer to behave in such a customer-hostile manner.

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 2023-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Capital One has consistently been reporting to credit agencies a different amount than is owed. The debt has been verified by XXXX XXXX XXXX, they initiated a garnishment against myself for the debt. The garnishment has since been completed ( XX/XX/23 ) and there is a remaining balance, however the updated balance as of ( XX/XX/23 ) is substantially more than is actually owed. I have filed several reports inquiring about the balance and have yet to have any clarity, but i do have documentation proving that it is not that high. Please refer to the email screenshot provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: Experian Information Solutions Inc.
State: TX
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:
I have tried to call Experian several times and no answer or I get voice mail. They are continues to report inaccurate information monthly on my credit card balances. On XX/XX/, the creditor XXXXXXXX XXXX or XXXX XXXX balance was XXXX instead of them reporting my account on the reporting date it was reported on the XXXX. I called the credit card company and was informed that they reported the correct amount which the amount reported caused my score to fall tremendously. 
This is an ongoing problem with Experian, also cards that has been paid off they continue to not update showing some have not been updated since XX/XX/. 
I tried to call and ask them to update my account per the closing date or report date by the credit card company and I never get a reply even by sending them certified mail.

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 2022-08-10
Company: EQUIFAX, INC.
State: MO
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:
Again, I was a victim of identity theft and this is another request to remove the account and information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/2022. Ive already included this report in my previous letter dated XX/XX/2022 & I am including it again. Also, the information theat some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. This letter is to notify the Credit Reporting Agencies that if they do not REMOVE the listed items on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Under the FCRA section 605b, I am requesting that the XXXX and Equifax Credit Bureuas remove the following items completely from my File : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance Owed : {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/2022, XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a certified mail, asking for investigation into XXXX XXXX Account XXXX XXXXXXXX. The bureau 's did not respond. According to federal law requires the bureau 's to respond in 30 days its been over 90 days no 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 non-monetary relief
Consumer complaint received 2021-04-17
Company: Experian Information Solutions Inc.
State: UT
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:
credit bureaus are siding with a corrupted fraudulent Bank, XXXX XXXX. I had a car loan that was paid on time, 60 payments. Monthly. XXXX XXXX reports car loans as well as boat loans as well as mortgages as " charge offs '' so that as a huge Corporation they would pay less taxes. And you are siding with them too. It is illegal to lie about how a car loan was paid. My var loan was never 120 days late. I was even sent a refund check of {$1600.00} in XX/XX/2020 because I overpaid the car loan and overpaid for fees I was not supposed to be charged for. I have a letter that proves that. I have payment history print outs too. They have nothing. And if they have anything it is altered. Again this is a bank that is on the news almost every week and has been for over 15 years at least. Corrupted. Liars. Fraudulent. And CFPB apparently does nothing about it. Hideous.

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 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX DEPT OF ED/XXXX  XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1700.00} XXXX  XXXX Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXX XXXX XXXX Balance : {$26000.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed : XX/XX/XXXX XXXX XXXX  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 2019-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
To : CFBP Subject : BOfA holding funds and late and no funds fees policy. 


I have been a Bank of America customer for ( over 25 years ). The last couple of months I have been dismissed by the Bank when expressing my concerns in their wrong doing. I have my own business and I used BofA for all my bank needs. Apparently they are forcing us to pay XXXX worth of fees by holding our funds for sometimes 5 days. All my accounts are with them and I get paid every two weeks through a payroll company. When processing the deposits the bank withdraw the money at the same time from my business account but holds my funds into my personal account. In the past two months, the bank has put my deposited checks on hold several times with no justification causing me a lot of pains and costing me a lot of money for fees. In efforts to understand the reason behind all of this chaos I contacted customer service and they were not able to explain to me what the reason for these incidents were and continued to put checks on hold for numerous days causing immense consequences for my finances, including return fees from other banks, returned college tuition and returned mortgage payments. 
I have been troubled with this because BofA has been doing this to a lot of my friends disrupting our tied finances even more and I believe this is illegal. Please take a careful look into this and I believe they should stop this fundraising of its own at the cost of poor families like us that works very hard to put our kids into to XXXX and pays the rent or the mortgage. 

I am attaching a copy of my last check that was put on hold by BofA and verify the dates when they compensated the check in my business account and the funds been on hold in my personal account. 

Please feel free to contact me if you need further information. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA 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 monetary relief
Consumer complaint received 2021-08-18
Company: National Credit Adjusters, LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION TO NCA ( XXXX XXXX XXXX ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1500.00} does not belong to me. This account was fraudulently opened through this company NCA ( XXXX XXXX XXXX ) in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Random money for service fees was being taken, years ago I would be charged if I transferred funds too many times from my savings to my checking on the mobile app.

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 2021-02-04
Company: Phoenix Financial Services LLC
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Phoenix Financial Services sent a letter to collect debt. Explained to them I have XXXX XXXX to cover the debt. The told me that the hospital didnt have to file insurance and that they can as a courtesy. Asked for the to send the original bill and they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: EQUIFAX, INC.
State: MI
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:
This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX DEPT OF ED/XXXX  XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX  XXXX Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXX XXXX XXXX Balance : {$26000.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed : XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: SANTANDER HOLDINGS USA, INC.
State: TN
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 the natural person did not authorize OR granted my permissible written consent to your company to pull my consumer report and neither did you provide me a consumer financial product or service pursuant to Title 12, United States Code, section 5841 ( 15 ). I demand your company immediately purge and delete the unauthorized inquiry from my credit file before ligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/, I applied and was approved for XXXX XXXX, through XXXX XXXX XXXX is handled through TD Bank. When I attempted to purchase two XXXX XXXX XXXX mobile devices, my order was cancelled. When I contacted XXXX on XX/XX/XXXX  and XX/XX/, they instructed me to contact XXXX XXXX to confirm that my billing information is correct. I called XXXX XXXX customer support and they confirmed the information is correct. I attempted several more times to re-submit the order, and the orders would get cancelled. XXXX has maintained the position that the issue is with XXXX XXXX. I was approved for the financing and have excellent credit. I now have a hard inquiry against my credit for a young account I can not use on the only place it can be used, XXXX. According to XXXX 's website : XXXX XXXX XXXX XXXX can be used on XXXX  and the XXXX XXXX XXXX. Based on my experience, this is false advertising.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: FIRST PORTFOLIO SERVICING INC
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The credit card company ( Revvi ) was reporting the month of XXXX XXXX  as late on my credit report. After speaking with them about this reporting they reversed the late charge and assured me the reporting would be corrected and suggested I dispute it with experian for faster results on my report. I disputed the reporting with XXXX  and provided documentation showing the reversal for 2 late payments. XXXX gave me an update claiming the merchant ( Revvi ) validated the late payment. I then contacted Revvi and they informed me that they have already reversed the late charges and they no longer have it in their account history as a late payment. I contacted XXXX to inform them of Revvis response and they had me file another dispute with the same documents as the last. It seems neither XXXX or Revvi can make sense of why this late payment report is still showing so I am contacting you all in hopes of a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Attached is a copy United states Bankruptcy Court explaining they do not report to any of the credit bureaus. So how are you verifiying this information if the source is saying they don't report to any credit bureaus. You are reporting inaccurate information according to the Fair credit reporting act 15 usc 1681 e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
If any information is indeed inaccurate According to 15usc 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2019-09-19
Company: CITIBANK, N.A.
State: WA
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:
Hi, There was an online fraud on my checking account ( opened in Citibank XXXX XXXX, XXXX ) of more than {$130000.00}, where a lot of our money was withdrawn online by someone unknown, without our information, authorization, or confirmation. 

And yesterday we received bank 's investigation results. 

First we need help with this fraud investigation Second, Citibank said they will NOT re-imburse {$69000.00} out of the total of {$130000.00} money that was stolen from our bank account. 

Are these two things, something you'd like to help out with?

Our current residence is XXXX, WA XXXX P.S. - attached are - 1 ) screenshot for all fraud transactions with amount, date and merchants involved.

2 ) Few Merchants and card holders informations whose payments were made with my account please let us know. 
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 2023-10-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had a covid forbearance on my mortgage through Fifth Third Bank through the end of XX/XX/XXXX. I filed for an extension during the month of XXXX. 

I contacted them for an update in XXXX, they said they didn't get anything and if I still was having the hardship I would have to apply for a new forbearance. I did so. 

The assessment of it was delayed until XXXX, and so XXXX and XXXX were marked as late payments. 

My situation changed in XXXX of XXXX and I was able to bring everything current and come off of forbearance. Unfortunately those payments were still marked as late and so they were marked as paid 180 days late. 

I appealed and filed disputes through the credit bureaus, but they were denied too quickly for me to believe they were really looked into. 

This has proven problematic with attempts to refinance and be approved for new lines of credit since.

Company response to consumer: Closed with explanation