BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-07
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX Card On XX/XX/2018, I paid off full amount due on XXXX XXXX Card, amount was {$68.00} owed to bring account to XXXX BALANCE. My credit union posted this payment, made on their issued VISA card, on XX/XX/2018. I attach here an image of that account summary showing this transaction on that date. 

Statement from XXXX for XX/XX/2018 shows {$68.00} " overdue balance, '' and then ADDS an additional {$40.00} " LATE FEE. '' They now want {$100.00} for a card that I have already paid off. A scan of this statement is attached here. 

I have demanded that Bloomingdales/American Express/department Stores XXXX XXXX correct their record, issue a credit for the {$68.00} already paid, REMOVE the {$40.00} " late fee, '' and close my account to prevent further bad behavior on their part.

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 2023-01-25
Company: EQUIFAX, INC.
State: MO
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 my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2023 I sent off a letter to Experian asking for my accounts to be looked at for accuracy and completeness of accounts. You can see the attachment to view the accounts I requested to be re-investigated. It is XX/XX/2023 and I have not heard anything from Experian about the re-investigation that was only supposed to take 30 days to complete. These inaccurately reporting items are causing me a great amount of stress and anxiety due to me being in the process of trying to buy a house. Experian has failed to do a timely investigation on my account as well as notify me that any of my accounts are under investigation.

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 2023-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX i was scammed by rapper XXXX XXXX for a promotional post on his XXXX  page. I had contacted him on XXXX  in regards to a promotional post and we agreed on the price which was XXXX. I wired him the money but it wasnt going through for some reason. He asks for my number so we can get with the bank on the call and after the call the bank says that the money will be sent back to my account because he has reached a limit. After the money came back to my account we agreed to use XXXX  instead. I tried sending him the XXXX through my account but it wasnt letting me because it would exceed my XXXX  limit so i send him XXXX. I sent XXXX to my friend to send it to him which he did. After the XXXX was sent XXXX ( the artist ) confirms that he got the payment. Than days go by he starts responding very slow after i have to double and triple text him. He said he was going to do the post after the album drops even though money was send a couple days before. I waited for the post and still nothing. I called him multiple times and texted him multiple times and nothing. It has been over a month now and i have been very patient waiting to see if he would respond but he has not at all. This is the first client that I have to deal with 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 2022-11-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account Name 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if they are false.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: JPMORGAN CHASE & CO.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On or about XX/XX/XXXX I went to log in to my Chase app and my password was unrecognized I had to change my password so I could get into my account - - I thought that was odd as I have been using the same password for a while, but didnt think anything of it since I was unaware of any suspicious activity. On XX/XX/XXXX ( after my paycheck was deposited ) I logged into my account and noticed that on XX/XX/XXXX someone gained access to my account and moved {$2000.00} from savings to checking and then used XXXX to make 2 payments ( {$1500.00} and {$500.00} ) to someone named XXXX. I immediately called Chase to put in a claim for these fraudulent/unauthorized transactions. They were able to credit back the {$2000.00} while they investigated the transactions. On the morning of XX/XX/XXXX, when I logged back in to the account I noticed that the {$2000.00} was again missing and when I called Chase to inquire, I was told that the fraud claim was denied due to the fact that the unauthorized transactions were made from the same device that is usually used to control this account, and there is no way to prove that these transactions are in fact, fraudulent/unauthorized. The only information they were able to give me about the device is that it is an XXXX device which I assume is my phone. But nobody besides me ( to my knowledge ) has had access to my phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-18
Company: NATIONSTAR MORTGAGE LLC
State: ME
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
NationStar Mortgage increased our monthly mortgage payment without notifying us. When I called, I was told that the payment increased in XXXX, 2016. We have been making the same payment each month and now have a past due amount showing on our statement. Their customer service representative could not explain anything she had no idea what she was talking about, just kept saying " payment increased in XX/XX/XXXX ''. I asked to speak to a manager and was put on hold for 45 minutes at which time I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: NATIONSTAR MORTGAGE LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my property in XXXX 2016 with Nationstar Mortgage. In XXXX 2016, I learned that Nationstar was delinquent in paying my property taxes even though they had escrowed funds at closing and collecting escrow payments monthly. I contacted Nationstar and the issue was not resolved. I paid my taxes so as to avoid further penalties. After examining my closing statements I discovered that Nationstar collected {$2900.00} in pre-paids and closing costs towards my property taxes. In addition, a balance of {$2100.00} was in my escrow account before I refinanced. I have confirmed with a Nationstar agent that this balance should have been transferred to my new escrow account. My new escrow account started with a balance of {$1100.00}, resulting in a discrepancy of {$3900.00}. I have contacted Nationstar repeatedly to ask for an analysis of the escrow account, for them to account for the discrepancy, and for them to close my escrow account, based on their mismanagement and to refund the balance to me. My last conversation with a Nationstar manager today indicated that they have an e-mail ( which I never received ) explaining why my request was denied. I have asked them to send me that e-mail again and also to post it in the US Mail. In any case, after 3 months several hours on the phone, and a dozen e-mails I still do not have satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2019-11-02
Company: Bread Financial Holdings, Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX 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 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 2023-05-27
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: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : - ; XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 2016-08-27
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
National Star returned XXXX of my payments. The payments are for the correct amount. However, they want me to continue to pay for their insurance policy. The funds that are sent to cover my current, active, insurance policy are n't being applied. Instead they are being utilized to cover the insurance preferred by National Star. Further, National Star Bank continuously, refused to honor my request to cancel their insurance. They are trying to force me to pay for both. I indicated, several times, that I did not want to utilize their insurance company. National Star stated that I have to pay on their insurance and my insurance company payments will be an additional payment and held in escrow. I did not agree to pay for both, especially their 's, policies. Also, they keep reporting me late to the credit bureau and I am suffering from their poor decision making and torpid policies. They should not retrurn my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine.

3. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

4. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
Va cars in XXXX Va pulled my credit report through capital one without my permission. I went to their establishment XXXX when they mailed me and kept calling me about being pre approved by capital one for an auto loan. I went there and literally only gave my name stepped out on the lot did not like what I saw and said thanks and left. About 2 hours or so later They called i did not answer they left a voicemail then I got a notification that there was an inquiry on my credit by capital one auto finance. I never authorized this. Never told them I was going to get a car. Never picked one never looked at one other than across the lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Last XXXX ( 2018 ), I called Transunion to alert them that the available credit on a XXXX XXXX card in my name had been raised from {$15000.00} to {$20000.00}. I did not consider this to be a dispute, but quizzically they did and in response, they removed the entire credit card account from my file, which significantly decreased my available credit with respect to my credit score, thus negatively impacting my credit. They then made me go through a bunch of unnecessary hoops and obstacles, that involved spending hours on the phone with them and XXXX. But I did everything that they asked by XXXX. However, Transunion is still refusing to include this account in my credit profile no matter what I do, and thus, it continues to negatively impact my credit score as it dramatically reduces my available credit in their score calculation. They have spuriously tried to blame XXXX for the " error '' but XXXX has correctly stated that it is reporting the account to all 3 credit bureaus, as the other two credit bureaus accurately list the account in my profile. Even more frustrating, Transunion is aware of the account and still acknowledges its existence, but is inexplicably refusing to incorporate it into my credit. This decision of theirs is arbitrary, nonsensical and harmful to my credit profile. I even reported them to CPPB a few months ago and they still haven't remedied the situation.

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 2017-12-10
Company: AFNI INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX/XXXX/XXXX, I spoke with XXXX at XXXX who switched my account to a different model for better pricing. I asked her at the time if there was any penalty if I had to cancel. She said no penalty as long as I was moving somewhere where there was no XXXX service. I moved from XXXX to XXXX, NC in late XXXX. I informed XXXX in XXXX that I would be moving and that the apartment I was moving to only gave me the option of XXXX. I gave them the address and phone number to verify. On XXXX XXXX, XXXX from XXXX indicated there would be no early termination penalty since I had no choice in the matter. Since then I have been harassed by two collection agencies. The first was XXXX XXXX, XXXX in XXXX, MO. The second is XXXX out of XXXX, IL. I wrote certified letters to XXXX executives at XXXX. I asked for proof either in writing or to get a copy of the recorded call with XXXX of the early termination charges. I was told by XXXX on XXXX XXXX, I would have to go to court to get this. I just received another letter from AFNI saying that they verified I had an account with XXXX. That is not the same as verifying that I owe the charges they claim. I want this harassment from XXXX and AFNI to stop IMMEDIATELY. They must provide in writing that I authorized these charges which they will not and can not do. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: CITIBANK, N.A.
State: NY
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:
XX/XX/2020 RE : Citibank, N.A., Security Services, Last four digits of Account number XXXX, and reference your case # XXXX with XXXX XXXX XXXX , XXXX, ( XXXX ). 

Citibank , N.A . address identifier at XXXX. XXXX XXXX, XXXX XXXX, SD, XXXX. 

From XXXX XXXX XXXX This notice and communications is sent to Citibank, N.A., to inform them to stop and cease their actions. The account XXXX is been closed due to fraud and identity theft. XXXX, has communicated this to Citibank , N.A . and me in a letter of XX/XX/2020. I have affirmed to Citibank , N.A . this fact, that the account has been closed due to identity theft and fraud. Citibank, N.A., has continued to behave unprofessionally and continues to haze me. Citibank, N.A., has acted without care regarding protecting my identity or restoring the costs of legal fees and research due to its own data breach. The data breach within Citibank, N.A., recorded in its history. 

Citibank, N.A., is harming me personally and in error, my address identifier is not XXXX XXXX XXXX, XXXX, New York, XXXX. Citibank, N.A., is no longer permitted to sell my identity and personal data to companies, this is hazing and an act of harm and violence against me. 

Thank you so much for your attention to this matter. Citibank , N.A . is to stop and cease all actions against me immediately. XXXX, XXXX, or XXXX  are not selling my address identifiers to companies. I have secured personal identity theft protection at my own cost. 

Citibank, N.A., has a debt due me of {$7500.00} for legal fees, research, identity theft protection, loss of wages, inconvenience, and misuse of my name, address, and personal identity. You have to stop selling my identity. Please mail my check for {$7500.00}, to XXXX XXXX XXXX, XXXX, New York, XXXX, for legal fees and research and stolen identity.

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