BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-09
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:
XXXX XXXXs failure to rebut, answer, respond, to this conditional acceptance upon proof, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XX/XX/2018, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to Claimant for rebuttal or acquiesce stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. XXXX XXXXs failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment, dated XX/XX/2018, created Summary judgment, dated XX/XX/2018, and Final judgment, dated XX/XX/2018, with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.

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 2020-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This has nothing to do with my Bank of America account. I has everything to do with the Bank of America account held by XXXX XXXX, the money mule for a scam fake investment company pretending to be the actual XXXX XXXX XXXX XXXX. The Bank of America branch at XXXX XXXX XXXX XXXX, XXXX, North Carolina XXXX has allowed this money mule to operate using its bank since at least XX/XX/2019 and my particular case, it allowed XXXX XXXX to steal a bit more than {$120000.00}. B of A has refused to provide its valid fax # or email address, so I resorting to contacting you along with other law enforcement agencies. Eventually, a subpoena might be necessary to open up this bank account, but at the moment, I am focusing on freezing the XXXX XXXX bank account, so that additional money does not disappear, so that I can possibly receive some of the money in that account. The police will look at the paper trail in future weeks. 

Here is what you will need : Account Name : XXXX XXXX, Account # XXXX XXXX XXXX, XXXX XXXX XXXX ; ABA/Routing Number : 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 2019-11-14
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: Credit inquiries on your report that you don't recognize

Complaint:
I sent a letter to Experian to remove unauthorized non account holding hard inquiries off of my credit report but I got no response. I still have receipts from the day I sent the letters out 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 2018-07-09
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2018 I received a fraud alert text from Citi Card of possible fraudulent activity on my card. I replied that I had not made the purchase in question. I asked them to NOT cancel my card, because the last time they did that ( they do it frequently because their system keeps getting violated and I have to keep paying for their lack of security ), it cost me HUNDREDS of dollars in penalties and fines when they failed to transfer the new information to my automatic payment accounts.

They cancelled my card anyway, which I found out when I was almost stranded when the card was declined when I attempted to purchase gasoline. I called numerous times and each time after lengthy hold times and being transferred numerous times and being routed though the  XXXX where neither of us could hear each other, I was told I would get new cards. After a wait of a few days for the cards to arrive, I tried to use the cards, but the wrong name came up AND my purchase was declined! I called Citi card and was transferred 4 times. I was connected to the XXXX department, when it was not a XXXX card. Then I was transferred to XXXX XXXX, but that was not the correct department either. After being transferred a few more times, and having to give all of my information each time, I spoke to an agent and after more than 26 minutes, she told me they would need to replace the cards yet again! She said that maybe they processed them incorrectly because the authorized user 's name was on my account instead of mine! Then the agent tried to pre authorize the purchase that I had been attempting to make and it would not go through because their system was flagging fraud, despite all of these attempts to fix that! I don't think it would be possible for Citi to make any more errors in this process. I have wasted HOURS on hold and being transferred and I am so incredibly frustrated and aggravated! It is wasting time I don't have and can not get back! I don't think they should be allowed to get away with such a low level of service and care with people 's information. Why is it that I need to have my card replaced so many times? My credit was ruined by the XXXX  XXXX XXXX 's errors many years ago and now I am going through a similar situation with Citi 's incompetence and this scares me.

The final agent was helpful. I am angry that Citi has such bad service in general, but " XXXX at the Kentucky call center '' tried to help as much as she could.She has been the only agent I have dealt with at Citi in a long time that seemed competent.

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 2018-02-09
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have 3 separate loans on my credit report showing to be from Navient. With one late payment showing for each of them for the month of XX/XX/XXXX, in which I was not aware of. I emailed the CEO on XX/XX/XXXX and asked if the late payment could be removed, because one I was not aware that a payment was due because I was under the impression that my student loans were in deferment, and two I had to take a semester off from school because I had XXXX. Later on the same day I received a call from XXXX XXXX stating that she was going to look into the situation for me. I had not heard anything back so I emailed again on XX/XX/XXXX and on XX/XX/XXXX, I received another call from XXXX XXXX stating that the payment reporting late was not going to be removed because they sent me emails that, the payment was due. I let her know, that I never received an email and I never received any type of notification in the mail, because if I did I would have gotten the situation squared away, she then preceded to get an attitude saying that weather the emails went to spam or not she was not going to remove the late payment, and no nothing was ever sent through the mail because all correspondence was being sent to email. I then sent another email, and contacted someone else the same day and asked if someone else could look into this for me, because I feel as if the situation is not ethically right. Not one email, letter in the mail, or phone call did I receive from Navient. And now they have reported to all 3 credit bureaus that I have a late payment with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XXXX sent funds to Bank of America 's routing number XXXX ( Receiver XXXX ) on  XX/XX/2018. Attached is the transaction information for the transfer of {$15000.00} on XX/XX/18. The trace number for the transfer is XXXX. 

My account at bank of america is closed but XXXX did not receive a rejection of funds. Pls check your suspense account to locate the funds

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 2020-05-13
Company: Experian Information Solutions Inc.
State: MD
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 a charge off on my credit report for XXXX XXXX XXXX with a balance of {$8600.00}. I don't believe this is my account and have no knowledge of it.

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 2018-02-09
Company: CITIBANK, N.A.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX Me and my husband signed an extension agreement for {$1900.00} which included the monthly payment and any late fees. Once that amount was approved my account was supposed to be caught up. The 1 month payment and all of the late fees were to be moved to the end of the loan. I called to verify that the extension was approved and I did see where they did move the payment to the end of the loan but not the fees they moved {$1300.00} to the end of the loan and made the account current and due for XX/XX/XXXX. I have a copy of the fax I will attach it. My mortgage has now been transferred to another servicer and the late fees are still on the loan. Can you see that they do indeed remove the late fees per our agreement on 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 explanation
Consumer complaint received 2017-08-03
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
i am contacting this department over concerns i have at an address which is not connected to me and yet it appears on my credit reports. I do not live or have ever been associated with XXXX XXXX XXXX XXXX XXXX, CA XXXX. it appears in the current and former section of my report but i have never been associated here. my address is in XXXX XXXX only. I attempted to call these bureaus but it was very hard to get a hold of a representative.

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 2017-08-08
Company: Diversified Consultants, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This company Diversified Consultants , Inc. calls and harasses me all day long! they leave messages or they hang up. Trying to scare me into paying for something.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-09
Company: Bread Financial Holdings, Inc.
State: IN
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 have a Total Rewards credit card thru XXXX XXXX. For several years I had a monthly payment to XXXX / XXXX XXXX local newspaper debited to my credit card. I have tried to cancel this paper since XX/XX/2017 by many avenues ... .left messages / message online to the CS / Messages to " contact us '' / Called directly & held on phone over 30 minutes with no one ever answering ... .just a revolving message to hold. I have disputed the monthly charges every month with my card issuer. Have messaged on the XXXX web page ... back & forth dozens of times & been told they would close card & reissue new one that the company can not debit ... .this was done twice & did not help ... ..the card issuer just transferred the debit to the new card number! Then a CS person would say changing cards does not help ... ..why do I get multiple answers from their CS dept .no one seems to know anything. The monthly charge was {$22.00} but went up to {$23.00} .... The most recent CSR said pay the full bill ( as I do each month ) less the amount I was disputing ... ..Bill showed {$260.00} .with a disputed {$23.00} amount ... so I paid {$230.00}. NOW they claim I owe the {$23.00} & also a {$22.00} ... .which was not on the last statement. Just received a message saying they have closed my account but the balance is {$45.00}!!! Said it will be reported to the 3 major credit bureaus ... ..I have excellent credit & will contact an attorney if someone can not protect my interests!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-17
Company: FIRST HAWAIIAN, INC.
State: HI
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:
On XXXX. XXXX, XXXX, XXXX XXXX XXXX add a hard inquiriy on my credit report per XXXX. 
On XX/XX/XXXX, FIRST HAWAIIAN BANK add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
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:
XXXX XXXX failure to rebut, answer, respond, to this conditional acceptance upon proof, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XX/XX/2018, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to Claimant for rebuttal or acquiesce stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. XXXX XXXX failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment, dated XX/XX/2018, created Summary judgment, dated XX/XX/2018, and Final judgment, dated XX/XX/2018, with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: Netspend Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with overdraft
Sub-issue: Overdraft charges

Complaint:
I canceld my card ending XXXX back in XX/XX/XXXX because I lost it I knew I would be recieving another direct deposit shortly and would need a new card as soon as possible. So i paid the {$25.00} to have my new card expidited. I received new card X/XX/2017. I have been receiving my normal deposit up until XX/XX/XXXX when I was not able to take XXXX dollars out of my account. I found out the next morning when I was able to get a rep on the line that my old card was charged {$1000.00} My account went negative {$720.00} I was told to file a dispute and this would all be taken care of within a day or so because it was clearly a XXXX up on their end. However I 'm still waiting on my money they have taking 2 checks from me my phone just got cut off today I 'm a single mom of XXXX kids who father passed away 2 years ago. We have been struggling for a week as a result of this and the only thing netspend has done was make broken promises and tell me that they understand

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 2018-07-09
Company: Receivables Performance Management, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
the complaint is against receivable performance mgt .. Upon review talking with XXXX XXXX .. who paid all bills concerning internet and XXXX XXXX ..According to XXXX XXXX ... XXXX XXXX been paid in full and that Receivable performance is not authorized to collect any debt relating to my account..That in fact the account is paid in full ... tracking # is XXXX conf # XXXX ... ... Further XXXX   failure to protect the consumer and allow a unathorized collection from a shady company like receivable performance mgt to harm my excellent credit ... what is clear this company Receivable performance violate federal and state laws from unathorized use of my Social security #., providing false information to a credit reporting agency, I hope your agency investigate this and refer it to criminal review 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 2019-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ) bureaus. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the 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 2019-11-14
Company: ALLY FINANCIAL INC.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
on XX/XX/XXXX I a made a payment of {$300.00} to Ally Financial and another payment {$380.00} on XX/XX/XXXX then {$1000.00} on XX/XX/XXXX. since XX/XX/XXXX I was making weekly payment or overpayments up until XX/XX/XXXX then monthly payments thereafter every month. Since XX/XX/XXXX I have made {$4500.00} worth of payments, my payment is {$390.00}. I made two payment of {$400.00} on XX/XX/XXXX and XX/XX/XXXX and  XX/XX/XXXX and XX/XX/XXXX. They have been adding late fees once I pay them off the add somemore out of thin air. I write on my checks apply to principal monthly payments not late fees. The lates fees are a scam no basis for them. Now I made for the full amount and they still say I owe {$180.00} and they have been reporting me late all these years and I have made payments every month and some time multiple times. This is stealing and I need some help

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 2020-05-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I've contacted this company several times via certified mail regarding this fraudulent account and they haven't removed it from my report. I'm demanding this account is removed immediately. 
CAPITAL ONE BANK USA N Account # : XXXX Date Opened : XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The agencys failure to rebut, answer, respond, to this conditional acceptance upon proof, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XX/XX/2018, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to Claimant for rebuttal or acquiesce stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. The agencys failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment, XX/XX/2018, created Summary judgment, dated XX/XX/2018, and created Final judgment, dated XX/XX/2018, with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.

Company response to consumer: Closed with explanation