BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-25
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Is there a legitimate reason as to why this company is asking me to verifying your ownership, or affiliation to XXXX XXXX XXXX XXXX. This is clearly the tax professional that prepared my taxes and deposited the refund into my account from the IRS. Im confused as to how and why I would need proof of ownership or affiliation to this company in particular? This is completely absurd, no where does my tax refund state that I claimed affiliation or ownership to this business. I have filed too many complaints with the BBB to still be going through this.

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 2020-01-08
Company: Experian Information Solutions Inc.
State: KY
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:
Experian has not started my investigation of my disputes sent them back in XX/XX/2019. They are in violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: ALLY FINANCIAL INC.
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:
On XX/XX/2018, I was charged a {$10.00} fee by Ally Bank for my 7th withdrawal from my Savings account. This 7th withdrawal was an automatic sweep to my checking account to cover ACH debits coming out that morning because there were insufficient funds in my checking account to cover said ACH debits. However, I had ACH credits that posted subsequent to those ACH debits that would have covered the ACH debits the morning of XX/XX/2018. Since I had ACH credits in an amount that would have fully covered the ACH debits, I am requesting a refund of the {$10.00} fee I was charged. It seems to me that processing ACH debits before credits is a predatory " order of operations '' practice to squeeze the consumer out of more of his/her hard earned money.

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 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have not giving anyone consumer reporting agencys written instruction to use my information or to add the deragotory Items to my credit report. 
15 U.S Code 1681b permissible purposes of consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 received a call from XXXXXXXX XXXX on XX/XX/2022 to confirm that I applied for credit because I have a fraud alert on my credit report. I told them that I didn't and then I checked my XXXX ID Works activity by logging on to the website I logged into the website and saw that there are 5 inquiries in an attempt to obtain credit in my name : XX/XX/2022 - Transunion - XXXX XXXX XX/XX/2022- XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These are all fraudulent attempts to get credit in my name so I worked with an XXXX agent to try to get these inquiries removed and work with the credit companies to NOT issue credit. Now I need these hard inquiries removed. 

I also placed a freeze on all my credit reports to prevent further identity theft

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 2018-12-10
Company: HUNTINGTON NATIONAL BANK, THE
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I opened a Huntington 5 checking account in the XXXX branch in person. I emailed my coupon code to the banker for a {$200.00} checking bonus. XXXX XXXX : XXXX You were required to make cumulative deposit of {$1000.00} w/in the first 60 days. I made the {$1000.00} deposit at opening to satisfy the conditions of the bonus. The {$200.00} was to be deposited within 14 days after the account was open for 90 days ( XXXX XXXX ). XX/XX/XXXX is 104 days after opening and I have not received my bonus. I contacted the customer service line for Huntington and was told to contact the branch. I contacted the branch and have not received a contact back from the banker who opened my account as of the time of writing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2022-08-11
Company: Ability Recovery Services, LLC
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:
ABILITY RECOVERY SERVICE shows last reported reported date of XX/XX/XXXX with a balance owed of {$760.00}, shows as open balance. XXXX XXXX BANK XXXX Original creditor shows the last activity on this account as XX/XX/XXXX. This is not a valid debt. I never had an account with XXXX XXXX XXXX and this account has never showed on my credit report before this month.

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 2023-03-14
Company: Global Lending Services LLC
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:
15 USC 168Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also stated a consumer furnish an account without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card open-end consider credit pan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: Duvera Billing Services, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Had to get our transmission fixed in XX/XX/XXXX. Applied for credit for {$1500.00} through XXXX on XX/XX/XXXX. The manager said if we pay off everything by XX/XX/XXXX everything should be fine. He let us know that the payments would be {$200.00} a month. Come to find out it was at a 151.99 % interest rate for the next 24 months. We have now paid {$1400.00} and only {$91.00} of that has gone to the principle, leaving {$1300.00} paid in interest. I feel that in our time of need, XXXX XXXX  took advantage of us and we will pay more than double the amount of which we borrowed.We have paid on-time continuously and are left in debt because of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: GA
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 writing to formally express my deep concern and frustration regarding the multiple unsuccessful attempts I have made to remove certain items from my credit report with XXXX Credit Bureaus. These items, which I believe are inaccurate and unjustly affecting my financial standing, have been the subject of repeated disputes over an extended period. 

I have attached a copy of my recent correspondence and documentation related to these disputes for your reference. 

Despite multiple attempts and providing the necessary supporting evidence, these items persist on my [ credit report, which has adversely impacted my credit score. 

I kindly request a thorough and immediate investigation into this matter to rectify the inaccuracies on my credit report. Furthermore, I insist on a written response outlining the steps taken, the results of the investigation, and a clear plan for the removal or correction of these items within the legally required timeframe. 

I believe in fair and accurate reporting, and I trust that Credit Bureaus shares this commitment to ethical and responsible credit reporting practices. 

I would appreciate a prompt response to this complaint. Please consider this letter as my official request for resolution. I am asking for your immedaite assistance to remove the following fraud items : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$290.00} XXXX XXXX Balance : {$610.00} XXXX XXXX Balance : {$550.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$110.00} XXXX XXXX Balance : {$90.00} XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$110.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX : {$290.00} XXXX XXXX XXXX XXXX {$610.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$90.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$330.00} XXXX  XXXX ( Original XXXX : XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX XXXX Date 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 2019-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
B OF A unjust close my checking account and never refunded me XXXX that was in that account. I want my money

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 2023-10-16
Company: Experian Information Solutions Inc.
State: WI
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:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1500.00} 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 2023-08-25
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To Whom It May Concern, This letter is a follow-up to my original letter dated regarding an inaccuracy in your credit reporting. Specifically, as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act I have since XXXX of XXXX and XXXX sent a version of this exact letter to the companies that violated my Privacy and my credit report I do not have the exact dates but I'm sure you can look on my credit report and see where I disputed those inquiries I did not ask the company for any information only asked that they remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Experian Information Solutions Inc.
State: MI
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:
A Fraudulent Credit Repair Company " XXXX XXXXXXXX XXXX 's '' Stole my Identity. 
And Have send it Multiple disputes about the Situation And not heard a 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 explanation
Consumer complaint received 2023-07-19
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$510.00} US DEPT ED XXXX Balance : {$2100.00} XXXX  XXXX Balance : {$1300.00} US DEPT ED XXXX XXXX : {$7600.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, NYXXXX  XXXX XXXX XXXX  XXXX , NYXXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2019-09-14
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
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:
Me and my wife made reservations to XXXX XXXX in Arizona in XXXX of 2019 because it is the only way to ensure you can get a space. We only had an opportunity to go in XXXX XXXX 2019 ; however, at this point in time we financially can not afford to continue with our reservation so we cancelled it online which is the only option and that was successful. The other item which was the mule pack on XX/XX/XXXX and XXXX can not be reimbursed and there is no number to call or email to have someone reach out to you. I have not utilized the services and I was originally charged without my consent anyway. I am extremely frustrated because my bank is not giving me an option to even file the claim for a service I have not even received yet and will not be using now. 

My XXXX XXXX card was charged on XX/XX/2019

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 2023-10-16
Company: Experian Information Solutions Inc.
State: FL
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:
This is the several times I've complained about some erroneous accounts in my report. You must correct these accounts that were opened without my knowledge, consent, or authority within 4 business days.These accounts are damaging my file and needs to be updated. 

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 2023-03-08
Company: EQUIFAX, INC.
State: VA
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: Maximus Education, LLC dba Aidvantage
State: OH
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 applied to be enrolled in the XXXX plan over 2 months ago with aidvantage and was asked to verify my information for which i did. I have yet to receive an update on my application. Today is XX/XX/2023. My loans continue to accrue XXXX XXXX XXXX a month. I contacted Aidvantage a few days ago. After waiting hours on hold and being hung up on once, I spoke to a representative who could not tell me when I would be or if I would be actually enrolled in the XXXX plan for which I meet and have proven ALL criteria for. This representative could confirm that my application was complete and there was nothing else for me to do that it was " under review ''. As a result of them not being able to timely process my application/process my application at all I will continue to ACCRUE interest that I would otherwise not accrue under the plan for which I am eligible. this is malfeasance at best and fraud at worst as this directly leads to increased revenue for the company handling my loans as I must continue to pay the accruing interest that then capitalizes interest itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: EQUIFAX, INC.
State: FL
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 send letters out to Equifax after my fraud alert. After I seen inquiries in my report that was authorized by me. This was on XX/XX/2019. I didnt hear from them after 30 days. I check online to see the status it said completed but the pdf version was not there to view. I called the to see whats going on and they said online was having problem. If that was true why I havent been send a letter in the mail then. I send my letter with a copy of my drivers license and social security number. The person on the phone said they need more proof of identity. They are not trying to do their job. I specifically send the my letter with copy of my identity, how you open the letter and say you didnt receive the copies of my identity when they were together. This is out rages that I got to keep contact then them for her to follow up on investigation that was done past 30 days ago.

Company response to consumer: Closed with explanation