BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-23
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: Investigation took more than 30 days

Complaint:
I would like this case looked at again, this is completely wrong what Bank of America has done. 

I had a Home Equity line of credit, with Bank of America, Loan XXXX as of XX/XX/XXXX they put me on a Balloon Modification program " trial period '' per the letter attached. IT states that the payments due for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX were the {$4400.00} due on XXXX of those months. Clearly as you can see in the copies of the cashed checks, all was paid each of those months on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX -- -- NOT LATE, I decided this loan payment was absurd and paid off the loan on XX/XX/XXXX, in full {$560000.00}!!!!! Clearly I am not going to accept their falsifying information on my credit score when it dropped from XXXX to the low XXXX OVER 100 points!!!! This has effected my future purchases since then!!! AND AGAIN, completely false. I have attached all the documentation again along with MORE proof on the XXXX CREDIT FILE XX/XX/XXXX CONFIRMATION # XXXX, ON PAGE 3 OF 6, SEE HIGHLIGHTED AREA WHERE SAYS AMOUNT PAST DUE AND SAYS {$0.00}. ON XX/XX/XXXX PAGE 4 SAYS SCHEDULED PAYMENT AMOUNT, {$1400.00}, ACUTAL PAYMENT AMOUNT ON SAME LINE {$4400.00} AND AMOUNT PAST DUE, XXXX!!!!! SAME FOR LINE XX/XX/XXXX AND XX/XX/XXXX!!! SO HOW CAN THEY FALSIFY INFORMATION AND SAY I WAS LATE FOR XX/XX/XXXX AND XX/XX/XXXX SEE ALL  ATTACHMENTS, I NEED THIS CORRECTED IMMEDIATELY I HAVE SPENT COUNTLESS HOURS ON THIS WITH FAXES AND PHONE CALLS TO BANK OF AMERICA WITH NO PREVAIL ... .I NEED THIS CORRECTED IMMEDIATELY PLEASE

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 2018-01-23
Company: U.S. BANCORP
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Request card closed on XX/XX/XXXX and  as of XX/XX/XXXX card has not been closed. Card is still accruing {$34.00} a month payment. Card was not used since XX/XX/XXXX. Card was dormant in use for XX/XX/XXXX, XX/XX/XXXX and then in XX/XX/XXXX card still was not closed and billings still arrived, first asking for {$56.00}, and now {$95.00} in collections which is black mark on my credit report. 

Why would it take that long to get a deposit from a secured credit card, more than 6 months has passed since my written request. Representative advised that I pay off th {$95.00} and then I will be able to get the entire {$300.00} which is the amount I originally secured this card with. 

Please advise a resoluaiton to this problem.

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 2021-12-03
Company: TRUIST FINANCIAL CORPORATION
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
From XX/XX/XXXX, I called the company numerous times about the amount of the car and the terms. The first thing that happened was covid. I bought the car at the end of XXXX or beginning of XXXX. Then, covid happened and I lost my job before the 1st payment was even due.. I called about returning the car because I couldn't afford it now. The company told me I couldn't return the car but I can do a covid 6 month paperwork to not have payments. I told them I know I'm still not going to be able to afford it. They told me I can sign the paper or let the car be repossessed. In XX/XX/XXXX, after the 6 months was over I started making payments I couldn't afford. I was still unemployed. Then, the interest rate was high so I said I wanted to refinance so I can get out of this loan. I didn't see any other way out. I refinaced the car XX/XX/XXXX. They received the 10 day payment in the 10 days to covered the $ XXXX amount. However, the company didn't cash the check in time. Which then left a balance of {$26.00}. I called and talked to a representative, which explained the situation to me. I told her I have proof of when it was received and cashed. She declined to remove the amount. Then, I talked to a representative at my bank that then at that time send another check for the {$26.00} balance. I called again a representative said they cashed and received it on XX/XX/XXXX. However, the company still reports I owe them a balance. They aren't helpful when you call to handle the situation. I don't know what to do anymore.

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 2017-09-13
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
As an XXXX who has used credit in the past, I was more than likely part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, Experian, or XXXX in the first place. XXXX should make credit freezes and unfreezes free federally, and through a central service that applies the freeze throughout the ecosystem rather than requiring consumers to waste time contacting each individual agency. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2019-02-01
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received multiple prescreened offers from Citi Premier Card. The prescreened offer included " XXXX bonus ThankYou points after {$3000.00} in purchases in the first 3 months of account opening '' I was already planning a vacation so I applied online, and I received an email approval on XX/XX/2019. I received my cards and called to activate my cards, by phone, on XX/XX/2019. The recorded message from Citibank said the cards were activated and available for immediate use. 
I attempted to use the cards for a deposit on a vacation that same day and the transaction was rejected. I called Cit and spoke to several people including 2 managers. 
I was advised that my account was suspended pending additional verification. That this verification could only be completed by completing a form which was mailed out that same day ( XX/XX/2019 ) as I activated the cards. The representatives could not tell me what the form said or what it required, and they could not in anyway expiate its completion. As of now ( XX/XX/2019 ) I have not received the required form. 
In summary my complaint is that I was not notified by Citi that I could not use my card despite credit approval, and activation of my cards. This action by Citi appears to be indirect contradiction of section 7 of the Citi Credit Card Agreement which lists the six events under which Citi can suspend your account. 
The Six events are in summary : 1 ) failure to make minimum payment by due date. 
2 ) returned payment 3 ) bankruptcy 4 ) failure to honor agreement 5 ) default on any other card with Citi 6 ) incomptence or death

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 2021-12-03
Company: Experian Information Solutions Inc.
State: FL
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 letter attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: Strategic Alliances, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX has been assigned a few of my medical bills that are in collections. Due to being unemployed, I have contacted the business recently to accept XXXX ( XXXX ) account settlement offers and paid them. For the first account with an initial balance of {$190.00} ( acct ending in XXXX ), I paid {$160.00} via debit card ending in XXXX on XX/XX/2021. For the second account settlement, the initial balance was {$190.00} ( acct ending in XXXX ) and I paid the settlement offer of {$150.00} via the same debit card referenced above. I understand that it typically takes 30 days for resolved accounts to reflect on a credit report and obtain a letter of debt settled, however, I have asked multiple representatives to provide me with receipts in reference to these monetary transactions and they all refuse. I have spoke with the " supposed '' supervisor XXXX XXXX ( unsure the exact spelling of first name ), and even she gives me the run around. Due to the lack of professionalism and contradictory statements, I do not have faith that my money has been applied to the referenced accounts appropriately, and without some sort of proof of payment towards these accounts it is simply a bunch of hearsay. Additionally, multiple representatives have told me that I have XXXX additional open collection accounts, both totaling under {$50.00}, which are not on my credit report and I have no clue what they are in reference to. When I ask for debt validation of these accounts, the representatives and supervisor ( listed above ) tell me they are unable to provide that information. I am considering getting my attorney involved because I feel the business practices are unethical and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have been a home depot credit account holder since XXXX. I have always paid my credit card on time as agreed. 

Approximately around XXXX, I went to home depot as I would normally do to make some purchases. I proceeded to attempt to use my credit card that I have had with them for years, when it was suggested that I try to open up a new one for some type of promotional discount on my purchase. I told them I already had an account but they urged me to apply, and they specifically told me I would not be getting a new credit card account but instead just receiving a promotional card. I am a very limited English speaking consumer and I hesitated, however the representative assured me it would be fine. 

This is where this is all confusion to me, and I believe due to my limited English I am being taken advantage of. I have been trying to get to the bottom of how or what happened when an additional HOME DEPOT account was opened up on or about XXXX/XXXX/XXXX, and subsequently a small purchase of {$2.00} was made on this account. This purchase resulted in late fees rolling over for several months and late payments going on my credit report for those months. 

This all happened from XXXX - wherein I found out of this past due balance for {$11.00} to home depot that was completely shocking because I go to the home depot store every month and pay off my account in person, without fail. I spoke with HOME DEPOT to try to explain this account was not opened up with my authorization or intention, and I NEVER charge the account ever for {$2.00}. I believe this is fraud, however nobody at HOME DEPOT is willing to listen to me or help me get to the bottom of this. I am being severely injured by the derogatory lates they are reporting for a past due balance of {$2.00}.

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 2021-03-09
Company: EQUIFAX, INC.
State: CA
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 over 45 days ago. And I have not received a response yet. This is uncalled for and you are taking advantage of me during a time of Covid. This was very time consuming for me to write a letter to the credit bureaus and I paid money to USPS to send these letters out. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity thief, I demand that you remove these errors to correct my report immediately! I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my credit report or I shall proceed with involving my attorney!

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 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Collection from an electric company that accepted an expired state ID with my name from a scammer

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 2017-12-02
Company: CITIBANK, N.A.
State: CT
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:
A Sears worker tricked me into applying for a credit card on XXXX XXXX 2016. I was not interested but they persisted and now it ruined my credit. I need the inquiry removed. They were not clear that it was a credit card and were very pushy.

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 2020-12-23
Company: Experian Information Solutions Inc.
State: FL
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 reviewed my credit. I notice Accounts that I did Not Give any Consent to. I have never open any of theses Fraudulent accounts with These companies. I need Information On How these accounts was open without My consent this Report is to Help Me resolve This Matter. I'm a victim of identity Theft. I cant understand how Accounts was open without Proven My identity. I want These Accounts off My Credit.

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 2017-12-02
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX began reporting a debt they had acquired on my credit report without following section 806 of the fdcpa. I have disputed it on the grounds outlined by the FDCPA that I was not notified within the first 5 or 30 days of reporting but to no avail. It is currently being disputed by 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 2018-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
1. BANK OF AMERICA- They reported negative information to all of the credit bureaus as my payment being late after I had called them and told them I would pay one month minimum and then in a few days pay off the entire debt which was {$14000.00} on one card and {$4800.00} on the other. I did pay off both credit cards in full a few days later. However, they had sent negative information to the credit bureaus regarding this account that I have had for over 21 Years. 

During this process the credit bureaus lowered my credit score by 100 points, then BOA, came back to me claiming that they are taking the card away from me and the credit AFTER I paid both of them off in full myself not through another company etc.. Then when asked to remove the negative information they placed on the credit bureaus information Bank of America ask me to apply for more credit, which would be at a much higher interest rate because the 'terms ' of my old card that I used and paid off several times since 1996 was not available anymore. 

I then received a letter from BOA claiming that their decision was made by information they received from XXXX XXXX, however, when contacting XXXX XXXX they claim that they created and dropped my score due to the negative reporting from BOA and XXXX. 


2. XXXX XXXX Same thing, I called and told them I was going to pay off the entire card in a few days. They then reported negative information to the credit bureaus and after I paid my credit the negative still stays on my report making it harder to get loans in the future etc ... My credit a year ago was XXXX dropped to XXXX and then down to XXXX AFTER Paying all of my debt at 3 banks totally over 40K. 

3. XXXX XXXX I called and they are the ONLY bank that actually reported that I PAID the credit off in a timely fashion to the Credit Bureaus and so nothing negative was reported. 

I feel like the Bureaus and the Banks are working together to make consumers credit worse so that interest rates go up. They both blamed each other and neither would remove the negative mark off of the credit report when asked to do so with proof that my credit debt was at almost 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 2018-01-23
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I did not receive notification that my account would be sent to a collections agency. I never received an XXXX XXXX card. I am willing to pay for the purchases, debt collection is unacceptable because I was not notified it would happen. I have notified the Vice President XXXX XXXX of XXXX XXXX. I will notify XXXX XXXX Chief Executive Officer of GE money if the situation persists. I am a XXXX XXXX trying to build credit. I want this dispute removed from my credit history.

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 2018-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In XX/XX/XXXX i sent a dispute to XXXX about XXXX XXXX XXXX. In the dispute letter I stated that all judgements had to be removed from all 3 credit agencies as of XX/XX/XXXX. I attached a copy of my final judgment from an eviction from XXXX XXXX with no balance owed. Then i received an update credit report that said this dispute has been verified an updated with no changes. So in XX/XX/XXXX I sent a letter to XXXX with a copy of my XXXX  report of them following the new law in removing this Judgement off my credit file as an collection. I still received AGAIN another credit report of the result to my dispute as verified an updated. XXXX has yet to show me proof of them verifying this account or even Following the new law that they had to remove all tax liens in judgement from credit report to show credit worthiness. I feel like they are not reading my dispute nor followin the guidelines of FCRA that has been violated.

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