BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Citi lied to me about sending a new credit card, then canceled my current credit card, and locked me out of my citi online account. I can't keep track of my bill, and I can't provide them with a credit card number for my new card. I also haven't received any paper statements from them period. 

I've received several phone calls from some XXXX company with an XXXX claiming to be Citi. In XXXX I paid them {$400.00} twice, and then received another call XXXX days later from " Citi '' stating that I haven't made any payments since XXXXXXXX XXXX 

When I call Citi, I'm placed on hold for hours ( seriously ), and offered no explanation as to why Citi closed my credit line ( as I've never EVER missed or been late on a single payment ). I'm assuming they got hacked or something and this is their way of not disclosing this to the public.

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 2020-12-04
Company: Titan Receivables, Inc.
State: AL
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:
On XX/XX/2018, Titan Receivables, INC. add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred or sold and Im no longer responsible for this account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contact, or signature for this accused debt at all. A Bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Titan Receivables, INC has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
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've filed multiple disputes on an account that is inaccurate on my credit report with the credit bureaus, however they continue to report that the information has been confirmed as accurate by the collection agency. I've requested from XXXX XXXX to verify the information that they are reporting is in fact accurate, however they have failed to provide me with anything. As many times that I've disputed the account, advising of inaccuracies between the reporting of different bureaus, Metro 2 Compliance, Portfolio Type, request for FCRA Compliance Date and Date of First Delinquency/Last Activity, I haven't been able to obtain the information. The FCRA states that if an item is reporting on my credit report, that item must be accurate and verifiable. XXXX XXXX has failed on both of these instances. The Credit Bureaus have also failed their duty in " Conducting a Reasonable Investigation '' as they were made aware of the issues regarding the account. During my research, I've found that " XXXX '' isn't a legal way to conduct an investigation. When I requested the credit bureaus method of verification and to review the documents that they have physically reviewed to confirm the accuracy, they blatantly ignored my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
According to the law, a debt collection agency can not collect interest on debt if that was not part of the original agreement. They are attempting to collect interest on a medical debt that has no original interest applied. They are also trying to collect on a " no show '' fee for an appointment that I DID cancel, as evident by my cell phone statement and the outgoing call log.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: NAVY FEDERAL CREDIT UNION
State: GA
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 Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Experian Information Solutions Inc.
State: DE
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 a clear pattern, every time I am close to reaching an 800-point credit score EXPERIAN finds a reason to drop my score for no valid reason! Experian dropped my credit score XXXX points when someone tried to steal my identity, another XXXX points when I complained to the CFPB, XXXX points when I paid off my debt and a zero percent usage percentage. And now after paying off a {$190000.00} mortgage Experian raised my score XXXX POINTS! I hope the CFPB can see that there is a problem with this XXXX company and takes action to do something!!!!

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 2019-03-14
Company: JPMORGAN CHASE & CO.
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Contacted Credit Card Collections Officer, Chase Bank, via mail, the first time, on XX/XX/XXXX, to make arrangements to settle the account in exchange for the original instrument of indebtedness in its original form. They received the letter according to return receipt, on XX/XX/XXXX, but no response. Sent a second request for removal of inaccurate information on XX/XX/XXXX. They received the letter according to return receipt, on XX/XX/XXXX, but no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: WELLS FARGO & COMPANY
State: FL
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 want tp request for an investigation of this accounts. ( WELLS FARGO BANK CAR XXXX Opened Date XX/XX/XXXX Balance {$180.00} & WF CRD SVC XXXX Opened Date XX/XX/XXXX Balance {$870.00} ) I would like you to review this reported account. This was undoubtedly placed as charged-off account, yet there is a balance indicating on the statement. There must be a payment history that would show a past due of 120 days for this account. You are reporting mistaken information on this account. Reports should be 100 % accurate based on the Fair Credit Billing Act. Any erroneous information about this account should be removed immediately unless verified.

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 2020-11-06
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My BBVA credit card is killing my credit score. 

My credit card limit was decreased without any warning. It went from {$4400.00} to {$3500.00} in XXXX. I was not given a reason. 

I have made all of my payments on time and I have never gone above the spending limit. 

This caused my credit score to go down because my available credit was reduced by {$900.00}. 

I have now been told that they closed my account on XX/XX/XXXX without telling me. 

Also, I am no longer able to make payments online so they charged me a late fee after I got an error on XX/XX/XXXX. XX/XX/XXXX I called to inquire about the computer issue. 

When I asked why my account was closed they transferred me to XXXX  .... 

They would not let me speak to a manager or anyone who could answer WHY my account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business 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 2021-05-04
Company: TRUIST FINANCIAL CORPORATION
State: PA
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 reviewed a copy of my credit report and I show company REGIONAL ACCEPTANCE CO account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2017-12-20
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I hated when you have go through the whole application and get nothing at the end but a hole lot of XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: EQUIFAX, 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: Account information incorrect

Complaint:
there are several accounts that I have tried numerous of times to get corrected on my credit report and they keep coming back as verified however they are still reporting incorrect. I have requested that they provide information on how these are being verified and I have no results. I have disputed them again but I need help. 

1. XXXX XXXX amount of {$800.00} and {$3100.00} -- I do not owe this I have never lived at this address associated with the account. I never lived at XXXX XXXX XXXX, never had an electric bill there the address nothing ties me to this place and does not even show up on my credit report. 

2. XXXX XXXX -- first the date says opened XX/XX/XXXX, I did not live in XXXX I have lived in XXXX Florida Since XX/XX/XXXX. In addition the original creditor on this was XXXX a small company in XXXX, this account was paid in full many years ago. it was for furniture. I do not owe this debt and don't know why it's in collection this was paid and closed with the original creditor. 

3. XXXX -- Showing open date of XX/XX/XXXX, I did not open any accounts in or around this time. the original creditor on this was XXXX and I opened account with them in around XXXX, or XXXX but most importantly I purchased extra insurance to pay the account in case of unforeseen issues. which I lost my job in XXXX and the insurance company paid this account in full. I do not owe this debt. I have explained this numerous of times but they are failing to remove and I have asked they provide me with documentation to verify the debt and have been unsuccessful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: PA
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:
Congress " said I have a right to privacy, title 15 section 1681 ,602 A,15 section 1681 604 A, C.R.A. can not furnish account without my written instruction,15 section 1692 c, not allowed communcation with the consumer, form ssa-89 valid for 90 days, students loan on my report for to long, I don't want any derogatory information on my report, I don't want XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, off of my report, Experian validate my report right, if they did they would had seen all debts belong to United Stated title 18 section 8 , when validating, they was suppose to remove everything, they didnt contact me in 30 to 45 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 2021-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
On XX/XX/2021 unauthorized charges were made to my credit card. I called the bank and informed it. The claim was approved and they refunded the total amount of this charges and issued a new credit card with new information on it ( New number, new expiration date, new security code. 
In XXXX, another unauthorized charges were made. A new claim was filed but this time was denied. I requested to reopen the claim but they denied again alleging that the charges is a subscription or reoccurring bill. I called XXXX and they informed me that there were multiple XXXX ids involved on this transaction making this purchases suspicious. 
Again, in XXXX more unauthorized charges were made to the new credit card and this time they approved the claim. 
Their letter response doesnt show any type of investigation. They just assumed based on history of purchases and type of the purchase ( subscription/ reoccurring bill )

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 2023-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Good good this complaint is a follow up with a current complaint I file with cfpb, the complaint ID is XXXX. Also a notarize letter I recent sent to the company I am complaining about which is Bank of America. Be advised ( I mail this letter today XX/XX/2023 after the the complaint ID number listed in this complaint. ) I will like to send you a copy of the letter to inform you that the company will be put on notified as soon as possible. Also other supporting documents that can help my case.

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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Hello, I have been stolen from and fraudulently had my information, addresses and reports that I have already disputed multiple times with proof and codes and USC codes CFR, UCC etc. 
to XXXX how they are posting fraudulent late payments which is illegal and utilization which is illegal under FCRA And my 30 different inquiries that arent account holding inquiries need to be taken off my credit report, my multiple names besides XXXX XXXX XXXX need to be off my report. My multiple non mailable addresses need to be removed. The only address is - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX California ( XXXX ) which is where I reside. Every other address every name that isnt XXXX XXXX XXXX on XXXX and XXXX and Transunion I demand to be taken off in 4 days and to stay off my report 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 non-monetary relief
Consumer complaint received 2020-07-20
Company: Westlake Services, LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX and XXXX I missed my car payment because of miscommunication between Westlake Financial Services. I tried to communicate with Westlake Financial Services that I wasnt going to be able to pay the auto-loan payment in full those two months but that i could pay 50 % of what was owed for those two payments.

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 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 exercising my consumer right under 15 USC 1681c-2 Block of information resulting from Identity Theft. The below accounts were due to identity theft and I'm requesting to have the items removed and blocked from my consumer report within 4 days. 
Identity Theft Report # : 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 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have submitted more than one complaint. I have disputed many accounts and provided documentation from creditors for paid accounts. Transunion has more than once refused to fix and update my credit. They have now reported delinquent on several accounts that have been paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-11
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My daughter sent me {$200.00} sent through XXXX messenger. The bank received the payment reflected when I called the bank information line. At time of receipt I was overdrawn {$1.00}. And change. Leaving my available cash {$190.00}. And change. I went to the ATM and withdrew {$60.00}. Upon calling my bank I realized that I was now overdrawn XXXX. I called my banks help line only to find there is now no record at all of the {$200.00} transfer. I was told by the first representative that they use their discretion whether or not to give you the money at the ATM. When speaking to her manager he stated not true only if funds are available will you receive money at the ATM. But still no record of the money. I explained # 1 only if money was available would money be given at ATM. # 2 only  if money recorded would money be available. # 3 Mony should have simultaneously been given at ATM and taken out of account. So at very least {$60.00} and fee should be shown. This bank has held checks for more than 10 days trying to lead you to believe you have more funds available. They have taken money for a payment and placed it back into my account trying once again to make me believe I have more funds available than I think. My sister who also banks with them can verify this. She purchased XXXX tickets for XXXX day which were taken out of her bank. When she called the info line a few days later it was showing back in her funds. I have been with this bank for several years and they made me sign a new contract with them because my old contract gave me many perks. I have been through several years of the preceding but never had my money stolen right from within the bank. They received the money made it available which is proven by the ATM withdrawal and there records have nothing about the deposit at all. I had-1. And change and now have - XXXX. And change along with charges daily. I appreciate any help you can provide. PNC Banks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
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:
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 fix these items and correct the 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 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 non-monetary relief