BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-10
Company: PENTAGON FEDERAL CREDIT UNION
State: OH
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:
My PenFed credit card was hacked and fraud took place. I followed all of penfed directions, getting affidavit notarized, etc. After I had submitted the forms I was then called by a pen fed bill collector about the account being in arrears and explained the situation. After the call, PenFed CU took the money out of my savings account and applied it to the credit card and cut me off of my online accounts, I have 2 mortgages with them. I have called customer service several times to get the problem resolved and still no luck. This has almost been a year. XXXX of last year is when the incident occurred. I advised them I was going to contact you, apparently they do not care.

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 2021-06-22
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Monday, XX/XX/2021, I received notice from Ally Bank that there was a restriction on transfers from my savings account. I called, and spoke with a representative, and was told the problem was resolved. On Tuesday, XX/XX/2021, I discovered my account was still restricted. I spoke with Ally again, and the representative told me that she resolved the issue, and I could initiate a transfer of funds. When I tried, the restriction was still on the account. I called a second time on XX/XX/2021, and was told, despite what I had been told in the prior two calls, that the restriction was still in place, and would not be resolved for 1-2 business days. I called a third time on XX/XX/2021, and the loss prevention department refused to speak with me to give me an explanation of the restriction. It is not right that a bank can restrict me from using my funds for two to four days.

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 2023-04-17
Company: EQUIFAX, INC.
State: NE
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 2021-09-18
Company: BANCO POPULAR DE PUERTO RICO
State: CA
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 XXXX Credit Card by Banco Popular de Puerto Rico. 

Annual credit card renewal date of XX/XX/2021. 
{$140.00} annual fee charged without prior notification on XX/XX/2021 Noticed annual fee on statement on XX/XX/2021. 
Closed credit on XX/XX/2021 with refusal to refund annual fee even though the card has not been used for over a year due to COVID and lack of travel.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
on XX/XX/XXXX bank of america placed a block/freeze on my checking account and did not notify me of this act. on XX/XX/XXXX i wrote a bank of america check to be deposited at my local bank. the check amt was {$1200.00} and was covered by the sum in my b of a account. my local bank deposited the check. on XX/XX/XXXX my local bank XXXX fined me {$12.00} for the bank of america check that bounced due to the freeze which i was unaware of. as i understand it bank of america is legally required by law to notify customers of any changes in their accounts. bank of america has my address, email, and telephone number and could easily have called me on XX/XX/XXXX but never notified me at all

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 2020-12-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been sending letters to the credit bureaus for months to correct the misreported accounts on my credit report and have NEVER received a response from them. 2 months ago I filed a complaint with the CFPB for them to respond to me and even so, the credit bureaus continue to ignore me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: SANTANDER HOLDINGS USA, 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 have sent letters to the credit bureau and have not heard back or received a response for over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: NJ
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 am writing theis because Equifax has been reporting inquiries to my consumer report that I do not recognize. These is a severe violation of my consumer rights as protected under 15 USC code 1681B in which Equifax is not allowed to report these inquiries without my knowledge or consent and have repeated demanded that they be removed with no results from agents on the phone. I intend to pursue legal action against Equifax if they continue this illegal reporting of these unauthorized inquires to my consumer report. I have also filed reports with the FTC, CFPB and the XXXX. The following inquiries need to be removed immediately : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
After being approved for a JC Pennys account through XXXX XXXX, I was unable to access my mail to receive my new card due to Hurricane Harvey. I explained this to SXXXX XXXX, asking if they could send another card to my temporary address. They declined because it was a " new account ''. Instead, they closed the account. I did not ask or authorize them to open another account. That was never discussed nor requested. 

I also requested Synchrony to cancel my application for the XXXX and XXXX XXXX credit card because of the hassle they were giving me. They did not In XXXX XXXX  store, I applied for credit. The store connected me with a representative from XXXX XXXX. I explained to the sales guy at XXXX and the representative on the phone that I did not want credit through XXXX XXXX and I only wanted XXXX XXXX credit ( which was approved ). I received a credit card from Synchrony almost two weeks later. I immediately contacted Synchrony via certified mail and phone asking them to remove that account. It should have never been opened. 

As a result, XXXX XXXX is reporting several accounts on my credit report. 
( 2 JCPenny XXXX, 2 XXXX accounts, and 2 XXXX XXXX accounts ). This is affecting my credit because it looks as though I have numerous account. This is not true and therefore is not in compliance with The Fair Credit Reporting Act, 15 U.S.C. 1681. They are reporting accounts as closed due to lost or stolen credit cards. I have NEVER reported any cards as lost or stolen. 

I never applied for second accounts nor request for them to. I never received cards for the accounts nor authorized anyone else to.

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 2023-11-30
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/2023 and XX/XX/2023, Gulf Coast Collection Bureau in XXXX refused to send claim to the XXXX XXXX XXXX so that they could take care of bill. They state that the bill is too old. I never knew about this bill until XX/XX/2023 when I noticed it on my credit report. I am a XXXX XXXX XXXXXXXXXXXX XXXX  and the VA was not notified of the bill. Instead, the hospital sent the bill to an old insurance company and then to collections.bypassing me. I, even had the VA contact billing in XXXX and he spoke to XXXX who stated they wouldnt send the claim because the bill is too old. So, basically, the bill is too old for the VA to pay for it but not me. This is not right and is affecting my credit. All of my information can be substantiated by calling Gulf coast collection bureau at XXXX and requesting information about phone call on XX/XX/2023 involving VA and XXXX. Also, XXXX XXXX XXXX billing department can be reached at XXXX and XXXX refused the claim as well. If they are refusing to have claim paid by the VA, the case needs to be closed because its not right for me to have to pay for medical when the VA pays 100 % of all my medical. 
The VA XXXXXXXX XXXX number is XXXX. My reference number is XXXX. The conversations are documented there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I looked on my credit report and noticed that there is alleged debt that hasnt been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, Transunion and XXXX have Collection accounts and inquiries that are fraudulent and do not belong to me. THERE WAS NO PERMISSIBLE PURPOSE AS PER THE FCRA LAW, I DID NOT APPLY FOR LOANS OR CREDIT. As well, they have several variations of my name, inaccurate addresses that do not belong to me, attached to some of these fraudulent inquiries and collection accounts which is causing financial damage because the information is inaccurate yet its causing me to lose job opportunities, etc. I have not contracts with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX or the alleged, original creditors. 

THE ONLY NAME, ADDRESS AND NUMBER THAT SHOULD BE ON MY REPORTS ARE : Update my name and address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD 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 2020-12-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am writing to BEST BUY/CBNA because I am having difficulties with applying for new credit cards. I paid the account and do not owe anything, but the late payment on XXXX 2017 in XXXX, XXXX and XXXX reportx prevents me from achieving the desired results. 
I am kindly requesting BEST BUY/CBNA to remove this late payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

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 2020-12-08
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: Was not notified of investigation status or results

Complaint:
I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XXXX, TransUnion and XXXX  ) via certified mail on XXXX XXXX, 2020. 
In my letter received by XXXX, TransUnion and XXXX I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. I received a notice from XXXX stating that they would complete my reinvestigation on or around XX/XX/XXXX but I never received that update and I have no update at all from TransUnion or 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 2023-05-04
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I am trying to purchase a home and my report needed to be ran. All the credit bureaus except Equifax has my information updated. Due to this my Equifax report could not be pulled and my credit score may be inaccurate. I faxed and submitted my updated information through Equifax website some time ago. My information still is not updated and this was a while ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid a mortgage for many years ..As a result of the pandemic Mr Cooper Mortgage gave a 12 month payment deferral..I sold my house and paid the loan finding that they illegally charged a late fee during the deferral ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In four days it will be a month since I started a claim with Bank of America, due to PUA, EDD, payments that were granted to myself as a means to provide for my family. Highlighted in yellow on bank statements retrieved from my prepaid, Bank of America, online account site. The ACH transformer for {$1600.00} is one of two claims that I filed on XXXX XXXX. The second claim for {$300.00} was credited to my account on XXXX XXXX. Also highlighted in yellow are new claims totaling to the amount of XXXX that I discovered when uploading documents with this current statement. I am including my phone records showing the multiple calls Ive had/made in order to resolve this matter and proof of Bank of Americas one, minor attempt to only speak with me on the matter which was made after filing first complaint with CFPB. 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 monetary relief
Consumer complaint received 2023-05-04
Company: EQUIFAX, INC.
State: NJ
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 am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
See attached documents, the personal information you are reporting are not mine.

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 2021-04-12
Company: Cedars Business Services, LLC
State: WA
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 XX/XX/2020 I wanted to start building my credit and checked XXXX XXXX I noticed a collections account my credit report that does not belong to me. I immediately disputed this, put a security freeze and fraud alert on my credit report. I ordered a copy of my credit report and noticed my middle name was spelled incorrectly and there was a phone number on my report that does not belong to me. I filed an identity theft report with the FTC. XXXX  removed the collections. XXXX  refuses to remove the fraudulent collections account from my credit report. I believe XXXX is violating the fair credit reporting act. I have been trying to dispute this account for nearly a year. I have filed three identity theft reports, made at least five disputes, contacted the Washington State Attorney General, XXXX, and my local police department. XXXX  refuses to remove this debt and I am not sure what else I can do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: NY
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
This bank is beinf very rude to me I feel XXXX  against I applied for my XXXX XXXX  and it was initially declined due to many inquiries I called them to explain that I was a victim of identity theft and that XXXX told me the inqueires would be removed they told me to call them back to do a reconsideration and once they pulled my credit and saw that they were removed I would be approved for my card I called them they were able to confirm that they have been deleted but they still wouldnt approve me I feel like I was lied to and now their requesting documents such a frustrating experience especially when Im doing what their telling me to have my app approved they claim their system wont let them

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 2021-09-18
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased this card on XX/XX/XXXX. When I opened up a fraudulent bar code was actually activated. Please have this deactivated and a new card sent to me.

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: EQUIFAX, INC.
State: TX
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation