BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
this is a weird reason to use cfpb i can think of nothing else so i can recover my time and well being already lost. i am a PLAINTIFF who is trying to get some funds from a garnished account. I have tried everything and need help cutting thru RED TAPE. the social security nnumber of defendant is XXXX. I mailed a request for funds, on XXXX had branch in XXXX nj do it or asked them tofax request XXXX since legal order processing told me to tell the branch to fax it to speed it up STILL NOTHING i faxed a request on XXXX to get some of the money to which i am entitled as per legal order nothing has resulted in anything. They still to this minute on XXXX HAVE RECEIVED NOTHING SO I CAN GET MY MONEY AND MAINTAIN THE HOLD ON CUSTOMERS ACCOUNT WHAT IS WRONG HERE? I AM DONE BEING SENT ONA WILD GOOSE CHASE. POSSIBLY THE BRANCH IN nj DID NOT FAX IT ON XXXX AS I ASKED BOTTOM LINE ITS BEEN SENT 3 TIMES I NEED THE MONEY TO WHICH I AM ENTITLED AS PER COURT ORDER HELP HELP HELP HELP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We got approved for our loan modification ( after trial payments made ) XXXX and paperwork was signed and turned in XX/XX/XXXX. The process is still not complete we can not get a straight answer not to mention we have not been able to get an accurate payoff since XXXX. No one can explain or answer questions not to mention they keep asking my husband if we want to foreclose even though our payments are being made on time. We are also getting XXXX on our taxes cause they have not applied any payments to our mortgage since XXXX so we can not claim mortgage interest and full escrow on our taxes. The mortgage company keeps saying they sent us a form to refill out but wont send another one saying it shows we received it. They will not provide us that tracking number either. I think they are hoping we cave and give the house back as it is not normal for a bank to ask if you want to foreclose as you are making the payment. We need help!!!!! The bank is Truist formerly Suntrust. I have also reached out on social media and they just lie to us.

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: 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:
I am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : 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 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 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 2022-05-05
Company: Experian Information Solutions 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XXXX, XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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 explanation
Consumer complaint received 2023-05-05
Company: Experian Information Solutions Inc.
State: VA
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX  VA XXXX XXXX XXXX XXXX XXXX : {$410.00}, XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$970.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/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 XXXXXX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2023-02-03
Company: U.S. BANCORP
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a cc with the XXXX card under Elan. I have ALWAYS paid my payments on time. In XXXX, XXXX I had a few disputes, one with XXXX XXXX  who tried to charge my card after I canceled the monthly membership, and one with XXXX. With that said, I called XXXX to cancel the card, Spoke with XXXX who was supposed to cancel the card, reissue a new card, and send out paperwork for the disputes. I never received the paperwork, nor did I receive the new cc even though I could validate the time frame in which I canceled the services with XXXX XXXX and provided the information to XXXX along with the dispute with XXXX. I had to call back the XXXX card and file another dispute with XXXX, which was cumbersome, but XXXX did fix the issue with XXXX, sent out a new card, which I never activated, and did pay off the dispute balance for XXXX in the amount of {$800.00}. While XXXX XXXX  is good about waiving late fees they do not adjust interest and continues to bill for the interest. How is one responsible for interest based on reversals? Not logical and does not make sense since late fees were waived and payment was received in full. Due to the fact that I had a dispute with XXXX, interest should have been waived as it was on hold. Once I no longer contested payment, I paid the bill in full. Mind you, I was supposed to receive paper and electronic statements due to a move and I did not. I attempted to resolve the issue on XXXX, XX/XX/XXXX, and on XX/XX/XXXX, and the response I received is we have credited your account for late fees and some interest, but again if the account was in dispute and I did not receive statements, which are not applicable during disputes, then no interest and penalties apply. XXXX Elan is not waiving the fees and in one day I acquired XXXX dollars in interest. Again, I must stress the fact that if items were in dispute and XXXX Elan did not adhere to THEIR policy, how am I responsible for their fees? I am trying to close out the account as it is limited at best. 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 2022-10-06
Company: Experian Information Solutions Inc.
State: NC
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:
XX/XX/2022 To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report, that continued requests for removal of items that have not been authorized by me are still entered as active or inactive trade lines on my credit report. Negatively affecting my financial stability. This is an immediate, Sixth request for removal and blockage of incorrect information. 

There seems to be a continuous high-level of incompetence at your company. I have been forced to submit a dispute every 30 days for the removal of this information. 

I have not placed requests for credit with the below organizations and have no active trade lines with them. 
Id like to know how and why your company has added credit accounts to my report that do not belong 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 non-monetary relief
Consumer complaint received 2022-10-06
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/22 and XX/XX/22 CIT bank collected sensitive personal info including SS # DOB etc As XXXX account numbers of other bank accounts I have with XXXX XXXX and First Citizens Bank without opening an account for me which according to XXXX who refused to give me his last name was due to problems on there end I am attaching confirmation that after linking to XXXX XXXX asked me to try a different way at which time I entered my account and routing XXXX XXXX this also did not work. 
This went on for XXXX hr XXXX minutes I have confirmation from. my identity theft service that CIT ran an XXXX XXXX on me also attached. As well as email from XXXX that they did link to my accounts without ever opening an account for me I informed XXXX XXXX XXXX XXXX that I wanted XXXX deleted he said he would pass my request on. 



I believe it is fraudulent to ask for linkage to other banks when I do not have an CIT Account. 

I am requesting that CIT delete all the identity and Bank account info I provided and confirm that they have done so. 

I am also request that the appropriate agency investigate CIT practices XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: CITIBANK, N.A.
State: NJ
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: Card was charged for something you did not purchase with the card

Complaint:
I live and work in the XXXX XXXX area. 

On XX/XX/XXXX, I was notified by Citi ( my credit card issuer ) s fraud department that someone used my card to purchase a laptop for {$680.00} at the Best Buy in XXXX, XXXX ( address : XXXX XXXX XXXX XXXX ). The credit card question ends in XXXX. Here 's the timeline : At XXXX XXXX ET, I received an email from Best Buy confirming the fraudulent order. 

At XXXX XXXX ET, I received a text message alert from Citi asking me if I made a purchase of {$680.00} at Best Buy. 

At XXXX XXXX ET, I replied to Citi that I did not authorize the charge ( screenshot attached ). 

At XXXX XXXX  ET, I received an email from Best Buy confirming that the product has been picked up. 

Since the perpetrator does not have my ID, she put in her name in addition to mine as the person who would pick up the order in store. I have attached copies of the two emails that contain the perpetrator 's name, XXXX XXXX. 

I received a document from Citi ( file number : XXXX ; attached ). Page 4 of the Citi document states that the purchase was conducted by IP address XXXX. This is a XXXX XXXX, XXXX   address. 

I have also attached evidence showing that I was physically in XXXX XXXX XXXX on XX/XX/XXXX. 

The evidence is abundant that I did not authorize this purchase. I was physically in XXXX  on XX/XX/XXXX, not in XXXX XXXX. I do not know anyone in XXXX XXXX, nor have I ever been there. 

However, on XX/XX/XXXX I received a letter from Citi stating that I am responsible for the FRAUDULENT purchase and billed me for {$680.00}. The letter is attached. 

This is an outrageous conclusion. I am requesting that the {$680.00} charge on my credit be reversed.

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 2018-07-19
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for td cash card on XX/XX/2018. It was an offer through email because me and my husband are td bank debit card holders for a long time. The offer was that were going to get {$150.00} for the first {$500.00} spend in the first three months and were going to get XXXX XXXX and XXXX XXXX. Which we got all of it. But there was also promotion that we can paid it off any balance in 12 months. Which wasnt the case when we received the second bill with late charge of $ XXXX.We called them and they say that there was 0 % APR on balance transfer not on the balance of the account.Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a voicemail stating I needed to call back immediately. When I called back I spoke with a XXXX whom wanted all of my personal information before telling me what the call was in regards to. When I told him I did n't feel comfortable doing that, he became very hostile and disconnected the call. I called back and spoke with another representative, who was able to tell me they sent out information to a very old address but could n't tell me why they called because she did n't handle the file, XXXX did and so she transferred me back to him. XXXX then told me he was calling about a credit card I took out with HSBC back in XXXX which had a balance of {$4000.00}. I told him I never had a credit card from XXXX and he became hostile again. I told him I want something sent to me about this " debt '' so I can have an attorney look at it as it is n't mines. That made him even more upset and he proceeded to tell me they already sent me something in the mail. I told him the previous representative told me they sent something to an old address and he told him she was mistaken. I said it sounds like you do n't want to send proof of this debt and per FDCPA I am allowed to request proof of the debt. I told him the XXXX credit card I received was close to XXXX and he stated " well that 's not what your credit report says ''. He stated he was no longer going to argue with me and disconnected the call. I check my credit report very often and there 's nothing on my file in regards to what he 's claiming I owe. He was very hostile especially after I explained to him the laws I knew in regards to debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
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:
I got a copy of my credit report and noticed some accounts and inquiries that I did not authorize. I contacted the companys and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as Im trying to start a new job that these issues are making more difficult than it should be.

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 2018-08-27
Company: Total Card, Inc.
State: AR
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:
On XX/XX/2018 I submitted a complaint with Total Card inc Previous Complaint was XXXX, My complaint was for the company to send me viable evidence bearing my signature showing the account and the original contract, they failed to send me proof with my name and proof of the account with my sign legal name,,, I am the consumer and I have the rights to see and overlook the account information and I have asked for the proof of the account with my name on the original contract, they have not sent it and that's is a violation of my rights .... I am obligated to file a small claims suit due to total card still failing to send me proof of the alleged account,,, you are now asked to delete the account from my credit from all 3 credit bureau,,, you were given 30 days to send me proof and you still failed to send,, please delete the account from my credit file,,, you are in violation. I have repeatedly asked for evidence to support your reporting but yet again you have failed to provide me with a copy of any viable evidence, Total visa is in violation of the Fair Credit Reporting Act. On XX/XX/2018 Total Card responded to my complaint and stated that the signed contract was attached to the response but there was no account contract attached,, Total please delete the account from my file or I would be subject to file a small,, claim I have proof that I have asked several times for proof and you failed to send it,, you may be liable for your willful non-compliance, I have copies of the attached document that was sent to me as the response from total card which did not provide the contract or anything with my signature on it,,, I have pictures enclosed of the only items that was attached to the response from TOTAL CARD ON XX/XX/2018,, didn't send the paper work,,, in violation of the federal law In they response is says the account contract was available,, I have took pictures to show that the attached response didn't have a contract with my name on it,,, or any contract

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: EQUIFAX, 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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-01-18
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 submitted a letter to the XXXX Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or remove the following items that are harming my credit. 
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 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 2018-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I've been paying {$100.00} each month on my capital one credit card but it doesn't affect my balance. My balance continues to rise even though I keep paying on time, so I'm not making any progress toward paying of this credit card. I'm fighting a losing battle ; I've tried to negotiate with them, but it hasn't done any good.

Company response to consumer: Closed with explanation