BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
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:
This is a previous complaint that- Has Not Been Resolved - See complaint filed on XX/XX/XXXX with CFPB. In my records it shows the CFPB has closed the case saying it was resolved - This Has Not Been Resolved- I was literally just charged for the {$490.00} again this morning XX/XX/XXXX. 

I received a letter stating once again that I needed to provide proof that the payment was made - which I did in an email on XX/XX/XXXX, I emailed ALL of the information requested to XXXX - This has been going on since XX/XX/XXXX back and forth and this is the 3rd time Citizens has withdrawn the money from my checking account. 

I have provided all of the information proving this withdraw is erroneous and Citizens is refusing to refund me account and close the case. 

I will escalate this as far as I need to to be returned the almost {$500.00} that they continue to take from my account. 

I have spoke to XXXX XXXX Citizens Banks Sr Advocate with no avail - XXXX - she asked that I email the information requested which I did as well as numerous emails to XXXX See below the original email below ... .as well as attachments from the email I sent on XX/XX/XXXX The amount of {$490.00} was charged to my checking account on error - I contacted Citizens at the end of XX/XX/XXXX stating this and they refunded the amount. I received a letter from Citizens saying no further action was required then a month later the amount was withdrawn again. - This was for a car payment, when the amount was withdrawn a second time, the lease agreement had been satisfied and the car had been turned back in to the dealership. Citizens withdrew the funds after the car payment had been 100 % satisfied and turned back in to the dealer- so where did my {$490.00} go??? After multiple attempt via phone to resolve this issue I was told on each separate time someone from the claims department would be contacting me in 2-3 business days - this Never Once Happened- I never received a call from a representative. I have received 3 letters since asking for proof that the payment was made by other means - I have emailed XXXX 4 Times now will all the requested information - I HAVE NOT ONCE RECEIVED A RESPONSE. They are Fraudulently holding {$490.00} from my checking account. Were did the money go??? Again- the vehicle has been paid in full and returned to the dealership and the amount of {$490.00} was withdrawn again after this fact. The fact that not one representative from Citizens has responded to my complaint VIA phone and email is HIGHLY SUSPICIOUS!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted by a representative of XXXX XXXX XXXX to collect a credit card debt. The telephone number is XXXX. I spoke with XXXX at extension XXXX. He informed me that I owed {$7900.00} for a credit card from MBNA Bank. According to XXXX, I opened the credit card in XXXX and had not made a payment since XXXX. He had my social security number, mailing address, telephone number, employment information, my current husband 's name, and my name at the time the account was opened. XXXX told me that my wages would be garnished for 25 % to 32 %. He also stated that my husband 's wages would be garnished by the same amount even though the debt is only in my name. XXXX stated that they would also place a lien against my vehicle. He said that I could pay {$3000.00} to settle the debt or pay {$1500.00} and then make monthly payments to pay the rest of the {$7900.00}. I requested proof of the debt. The letter sent via email did not provide any more information than he had given me. XXXX told me that it would take 10 days to get anything from the credit bureau to prove my debt, and by then they would already be garnishing our wages and putting a lien on my vehicle. I called back a second time because I did not receive the email and I wanted the exact name of the business. The person who answered the phone insisted that I talk with XXXX even after I said that I believed this was a scam. In addition, a XXXX XXXX from XXXX XXXX called my employer after hours stating he was trying to deliver legal documents to me. I was given the same number to contact him. I searched the XXXX XXXX XXXX and XXXX. The company with the given address does not exist. The only XXXX XXXX I found was an attorney in North Carolina.

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 2023-06-21
Company: HW Holding, Inc
State: TX
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:
XXXX XXXX XXXX amount {$4700.00}. I was XXXX XXXX and was put on reassignment and submitted my XXXX XXXX to the leasing office and they still gave me a balance of my remaining lease. XXXX XXXX XXXX XXXX XXXX {$3900.00} I was XXXX XXXX and was put on reassignment to XXXX  and submitted my orders to the leasing office and they still gave me a balance of my remaining lease. XXXX XXXX XXXX XXXX receive the property and reported it to collections with a balance of {$4100.00} which I was told, all was needed was to collect the property. Ive been reaching out since XXXX for theie actions to be corrected and no response. 

All companies did not honor my XXXX XXXX and have been harassing me to pay a balance that is not legal. Since then, date have been updated on those XXXX accounts which I have reach out to them multiple times to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2021-06-07
Company: EQUIFAX, INC.
State: TX
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 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be corrected immediately. 

The Infractions are as follows : XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX : XXXX DEPT OF EDUCATION/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT : XXXX XXXX XXXX XXXXXXXX ACCOUNT : XXXX XXXX  ACCOUNT : XXXX Alleging Creditor and Account as is reported as having a late payment my credit report : I am demanding that these accounts be updated to Paid as Agreed and Never Late. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these a mentioned derogatory items be investigated and permanently removed from my report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. 
Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else UPDATE these items to PAID AS AGREED AND NEVER LATE immediately. 

Sincerely, 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 2021-06-07
Company: General Motors Financial Company, Inc.
State: GA
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 INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE XXXX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Made a deposit of {$2000.00} in cash at a Bank of America ATM on XX/XX/2023, after money was deposited into ATM the ATM cancelled the transaction and returned my card, no receipt, nothing. I immediately contacted the bank and they said they would launch an investigation and get the money deposited into the account and there has been no resolution.

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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX  Account # XXXX Balance {$610.00} XXXX XXXX XXXX XXXX Account # XXXX Balance {$72.00} In accordance with the Fair Credit Reporting act XXXX  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 a 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 2022-05-26
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 XXXX : It also states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2020-12-16
Company: DISCOVER BANK
State: VI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Good evening : The company Discover Card closed by account that has a credit limit of {$7900.00}, without notifying me in advance. The account had a XXXX balance, and I have been a member of Discover from 2014. I was informed that my account was closed due to lack of activity. I am currently paying a Discover Loan, which is current. 

This sudden closing of my account during Covid, without any notice is cold hearted and without merit. I owe Discover no money on my credit card account and I paid down my Discover Personal Loan of {$30000.00}, down to approximately {$10000.00}. 

I am a XXXX American Male and I feel Discover 's action as basic XXXX!!! I am asking you to contact Discover Card and ask them to justify the action of closing my account. The closing of my account will be detrimental to my credit rating, because it will lower my available credit, which will hurt my credit rating. 

My name is XXXX XXXX XXXX and my Discover Card # is XXXX XXXX XXXX XXXX. 

I requesting that you contact Discover card and ask them to justify its action concerning closing my credit card account. It is disgusting that Discover is closing my account when Covid is killing XXXX Americans at a record rate. It Covid doesn't kill us off then credit card companies like Discover will help finish us off! 

Furthermore, please advise what legal actions I can do against Discover Card due to its outrageous action. I also, wish to know if Congress ' Covid Relief Bill restricted how credit card companies can close accounts without cause during Covid? 

Thank you for your forthcoming consideration of my requests stated above. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
I recently received and reviewed a copy of my updated credit report and I still have seen inaccurate and misleading information being reported. This inaccuracy is causing me significant financial distress and need immediate attention. I kindly request that you investigate and, if necessary, remove this item from my credit report. 

XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-24
Company: Experian Information Solutions Inc.
State: AZ
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:
Experian decreased my FICO for no reason. My accounts so paid as agreed. I paid off an account but replaced it with a new account so points would not be deducted monthly for lack of accounts. They decreased my score from Good to Fair for no reason. It is impacting my ability to get better employment. I am injured because of their deceptive practices.

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 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/23 It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Failure to comply with the deletion demand if you are unable to provide XXXX XXXX COMPLIANT DOCUMENTATION AND EVIDENCE will be met with complaint to the CFPB, the FTC and the Attorney General of the State of YOUR STATE. Additionally, if you fail to comply with my deletion demand I am prepared to and will sue your company for the maximum civil, criminal and punitive damages available by law.

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 2022-03-24
Company: BARCLAYS BANK DELAWARE
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX my complaint is with XXXXBarclay noticed that my most recent credit report contains a late payment reported in the month of XX/XX/2021 for my XXXX credit card account number XXXX XXXX XXXX XXXX. I mistakenly missed a payment with autopay and fail to make at least the minimum payment due of {$29.00} XXXX forgot to check I have been a loyal customer for over years with XXXX and credit cardholder with Barclay for more than 10 years with excellent payment history. I called XXXX to explain the situation they told me to write a letter to XXXX XXXX XXXX XXXX XXXX, DE XXXX. I never received a response back and the late charge is still being reported with the 3 major credit bureaus.

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 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
My personal information was used to access personal bank accounts, change login information, alter account activity notifications, access personal emails, impersonate me for fraud, withdraw funds from my personal bank accounts, use existing cards to make transactions, request credit line increases, use my credit information to get approved for purchases, credit applications, apartment verification, alter my personal data, access my online accounts ( social media, third party payment apps, employment verification ), resolve debt collection issues, and ruin my credit score.

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 2017-09-25
Company: AFNI INC.
State: MD
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:
Afni, Inc is reporting false information on my credit files. I continue to request for validation and verification and they will not validate the alleged debt. This is not my debt and i request deletion as soon as possible.

Company response to consumer: Closed with explanation