BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: MA
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 mailed an investigation request letter to Experian certified on XX/XX/XXXX and Experian received the letter on XX/XX/XXXX. In the letter, I asked Experian to investigate multiple issues regarding the XXXX account, account number XXXX, on my credit report regarding, but not limited to, violating many reporting regulations and reporting inaccuracies. A copy of the letter is attached. 

Experian emailed me a notice on XX/XX/XXXX acknowledging receipt of the letter but stated they will not investigative because it appeared the letter was not sent or authorized by me. I called Experian the same day and informed a representative that the letter was sent by me, and I asked them to process the letter and to conduct the investigation. The representative said that they will. 

On XX/XX/XXXX, I received an email from Experian stating that the results of my dispute were ready. After logging into my account, it became apparent that Experian did not provide any information requested in the letter. The only thing my account showed was that the status on the dispute was updated but after reviewing the before and after sections of the account in question, everything was the same as before! This is evident of Experian not investigating and their response alone is also not accurate. 

Additionally, the information for the XXXX account on the credit report can not be accurate because Experian is showing a late payment in XX/XX/XXXX while XXXX is showing an on-time payment for that same date for the XXXX account. A copy of the XXXX data is attached which could be located on pag

e 6 and 7 of the consolidated CR attachment. This violates my rights under 15 U.S.C. 1681s-2 ( A ) ( 1 ) which states 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. Also, according to 15 U.S.C. Sec. 1681i ( a ), every piece of information reporting for accounts must be 100 % accurate and proof must be provided to show that it is. If not, then the account must be removed from the credit report. Lastly, 15 U.S.C 1681n ( a ) ( 1 ) states anyone who fails to comply with any requirements with respect to the consumer is liable to the consumer no more than {$1000.00} per violation for as a result of the failure to comply or for any damages sustained to the consumer as a result of the failure.

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 2018-10-09
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I get a Social Security XXXX check each month on the XXXX Wednesday of each month. I receive {$1200.00} and live alone with trying to pay my other bills. SunTrust continues to charge me an extended overdraft fee which increases my negative balance. This is just additional income for the banks and is very unfair to people who can use the additional {$36.00}. I had a hardship which started the chain of the negative balance and on XX/XX/2018, I will be able to get back in order. Banks are making a tremendous amount of money each year by charging fees that making it harder for people who live below poverty level. I have been living off of beans and rice for the past 5 months because that is all I can afford. Having XXXX, rice is not a food that is good for it. I am not able to eat any healthy meals and take care of myself. In addition to having XXXX, I am XXXX and have been for XXXX years, XXXX, XXXX, XXXX XXXX XXXX, and XXXX and was very healthy until all of this happened. I have attached some statements and can provide more if needed. 
I would greatly appreciate if someone would look at what the banks are doing and change this that is going on. All of the extended overdraft fees that I have paid could have helped me with buying food to prepare.

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 2023-07-25
Company: Experian Information Solutions Inc.
State: TN
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 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY 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 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 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 2023-04-20
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
In the past five years, I have applied for a credit card from Citi Bank ( Citi Group ) three times. I have been denied each and every time for no reason. They have sent me a letter of denial with ambiguous response and violated my rights to a Fair and legal consumer trearment. My Credit score has been excellent throughout my life ( over 800 with all three major credit agencies ). They had even sent me a letter a couple of years ago with rude comments and accusations. 
I have currently have many credit cards from largest financial institutions and banks. 
It has bothered and puzzled me through last five years why Citi Group is treating me like a second class citizen and violating my consumer rights by denying me credit, while many other banks have offered me and are doing business with me! 

I can only conclude that Citi Bank is a racist entity and their decision of denial is based on my race and national origin. 

Bests Regards, XXXX XXXX XXXX Timber XXXX XXXX Loxahatchee, FL. 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 2019-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
On XX/XX/XXXX I applied for the Bank of America Cash Rewards Credit Card. I needed to make a big purchase and the promotions appealed to me, specifically the 0 % introductory APR for 15 billing cycles. I visited their website and called to set up the card over the phone, where I was informed ( by both the website and person on the phone ) that the 0 % APR period was indeed for 15 billing cycles. 

Upon receiving my first statement on XX/XX/XXXX I was dismayed to find that my 0 % APR period was only for 12 billing cycles, and ended on XX/XX/XXXX instead of XX/XX/XXXX. I called Bank of America on XX/XX/XXXX and an associate stated that when I applied the promotion was 0 % APR for 12 billing cycles, and that the promotion for 0 % APR for 15 billing cycles began on XX/XX/XXXX ( almost a whole month AFTER it was advertised to me, personally ). 

I was transferred to a Bank of America manager with the applications department, who listened to the recorded call I made to them on XX/XX/XXXX and confirmed that the associate told me the promotion was 0 % APR for 15 billing cycles. He apologized, but stated that they could not change the promotional period in their system. I reached a dead end. 

I believe that this is not the first time that Bank of America has misinformed their credit card applicants, and that it will not be the last unless something is done about it. That is why I am asking the CFPB to investigate Bank if Americas misleading advertisement, so the bank may pay closer attention and not mislead other customers. 

My name is XXXX. Please let me know if you need any additional information from 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 2019-09-18
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a XXXX mother who recently tried to buy house. I was denied for my house because of my credit. That inspired you check my credit report, and to my surprise there were several accounts that were Unauthorized by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-07
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Not a complaint but a question : I currently have a safe deposit box in the XXXX XXXX Branch of Santander on which my 2 out of town sons are co-signers. Because the branch is closing, I have to open a safe deposit box in another branch in XXXX XXXX. I have been told that in order to have my sons on my account, they have to be there in person ( at the same time ) in order to sign which is not possible. My question is whether this ruling is a federal or state law or whether it is simply a requirement of Santander. My feeling is that since I am being forced to close my safe deposit box which I have had since 1968, that Santander should move the signature card to my new account. They won't even consider having the signatures on the card notarized by my sons in XXXX and XXXX. 

I would appreciate your advice on this matter. 

XXXX 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 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$380.00} XXXX XXXXL ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Resurgent Capital Services L.P.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I currently have a legal team working with me to improve my credit standing. LVNV Funding LLC has placed negative, uncharacteristic remarks on my credit reports which is affecting my financial goals. The XXXX XXXX Account is on a regular payment plan and pursuance of this credit card debt is being handled by local law office here in AZ. The payments to clear this outstanding debt are consistent and in good standing. My team of paralegals have sent an escalation regarding negative reporting to the bureaus and I received a letter on XX/XX/2020 from LVNV Funding LLC/ Resurgent Capital Services stating they will not investigate the dispute as it is frivolous and irrelevant. There clearly is no integrity involved and this company will dismiss your right to dispute the information on the credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: WI
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:
15 U.S. Code 1666b - Timing of payments U.S. Code ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

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 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 2023-05-25
Company: WELLS FARGO & COMPANY
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a XXXX ( phone never rang ) from XXXX. States I need to call XXXX immediately or they would send my file to court. I called WDS is how they answered. I advised I was returning a XXXX. They stated I had a debt of XXXX and I could pay them. I dont believe this is accurate and know my rights so asked about verification of this and asked it be sent via email. She refused. Stated it had been sent already. I asked to what address she provided an address I dont live at. She kept arguing with me that I have it and to just pay. She said it is owed to Wells Fargo. I again refused to pay and stated I wanted documenting of this debt as I feel it is not valid. She refused. When I asked for address /name of collection business she laughed and hung up. I called back and she stated I was harassing them and to not call back. I called Wells Fargo who advised I would not be able to open a new account ( which I have several accounts with them currently ).

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 2023-07-25
Company: Experian Information Solutions Inc.
State: NY
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 need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the account. It was opened without my knowledge, authority or consent. 

XXXX XXXX XXXX XXXXXXXX

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 2021-03-05
Company: LEXISNEXIS
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: Their investigation did not fix an error on your report

Complaint:
On several occasions XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have contactedXX/XX/XXXX and Lexis Nexus in regards to reporting inaccurate information. I included documentation where I do not have a bankruptcy and that Lexis Nexus has reported this without proper verification and stated that it was public information and that they received the information with the courts. I obtained a letter from that court and they stated that they did not provide any such information and provided me the letter verifying that they did not do so. I sent all the documentation in and all bureaus listed refuse to delete this off my credit report. I researched the laws and regulations and it states that in order for an account to be reported on a credit profile it must report 100 % accurate information or be deleted. The account number that is listed is invalid it is not an original account number and can not even be verified. the law states that the original account number must be provided and have no asterisks and anything inaccurate reporting. The account number has been compromised and is invalid. There is no way they have performed a proper investigation or they would have seen these errors. They have refused to delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a BMO account in XX/XX/XXXX. In XX/XX/XXXX I went to BMO to do a wire transfer. I paid the {$30.00} fee for the transfer. When I spoke to the company that was to receive my funds I found out that BMO did not put the transfer through. When I called BMO not one representative at the bank would speak to me. I was consistently referred to the Fraud Department. When I spoke with a XXXX in the Fraud Dept she informed me that my account was restricted due to deposits into my account not in my name. After discussing the situation XXXX explained that if I were to take the person to BMO with an ID they could receive the funds that came into my account in their name. That was not true. We went to BMO, as directed by XXXX, myself along with my friend and his ID. And being that no one was permitted in the bank due to COVID-19 we went to the drive-up teller. The tellers would not assist. We were told to go into the bank. Which was not a possibility since no one was permitted in any bank. I called XXXX back in Fraud. The conversation went in circles since she now claimed she did not tell us to do that. And that at this time my account was being turned over to legal. I received a letter from XXXX via USPS on XX/XX/XXXX telling me that my account was closed and any balance would be mailed to me. In XX/XX/XXXX my balance online showed {$19000.00}. On XX/XX/XXXX the balance online for my account disappeared and I can not get anyone to tell me what happened to my funds. Including the amount, I deposited for the initial wire transfer of {$9500.00}. The letter I received telling me I would receive any balance in the account once closed never happened. At this time I can get no assistance from anyone at BMO.

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 2023-11-07
Company: CCS Financial Services, Inc.
State: GA
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: Investigation took more than 30 days

Complaint:
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation