BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Hi, I am a long customer of Bank of America for over 15 years. I have a personal checking account, as well as a XXXX XXXX checking account with them. On XX/XX/2021, I tried using my personal credit card to make a small purchase, it was declined. Then I tried using my XXXX credit card, it was also declined. It I know I have sufficient credit line in both of my cards so I contacted them immediately to see what the problem was. I later found out that Bank of America closed my account, and they are not able to tell me the exact reason but just due to " business decisions ''. I respect their final decision and I plan to go to another bank, but one thing that I find extremely unfair is that they are forfeiting all my credit card reward points that I've been saving and accumulating over the years. The reason why I use these credit cards in the first place is because of the benefits from the reward points. I have {$1300.00} to redeem on my personal credit card, and {$68.00} on my XXXX credit card. It is not a small amount. I understand they can close my account anytime they wish, but the points should be at least rewarded to me for the times that my account was open and in good standing. I've never missed any payment for my credit card accounts.

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 2021-01-21
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
We transferred {$4400.00} via ACH transfer from XXXX  XXXX XXXX to Citi bank located in New York on XXXX XXXX. This was a payment to XXXX. It turned out that by mistake we added extra XXXX  in account number that is why money didn't go through and held in the middle. XXXX confirm that they can see the money but because the account number is different they want us to contact my bank ( XXXX ) to amend the request and correct account number. I contacted immediately to XXXX customer care and they said we can't do anything except sending recall request for ACh transfer. I called every day to check the status but XXXX always informed that it can take upto 45 days for citi bank to respond. We tried to contact multiple times to citi bank and they are saying either ask your bank to file dispute or ask your recipient to call them. Problem is there is no real recipient as wrong account number we sent money is not exist in real. Now its been almost 3 month and I still do not have status on my money. I don't even know if I receive it back. We are circling back and forth between citi and XXXX XXXX XXXX. Till now we made more than 20-25 calls to XXXX  XXXX XXXX and citi. 

Today I called XXXX XXXX XXXX and they are saying Citi replied back that they can not reverse the transaction. 

I don't understand, why can't they reverse the transaction? why it's been holding from almost last 3 months? 

Really really bad experience ....!! I

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 2018-04-05
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
The credit card issuer invited me number of times to apply for a credit card.and every Time i apply i get denied.my credit score is good and i do get accepted through other Credit cards that do approve my application with out no problem.i would like to have them Investigated to be certain that there is no discrimination issues involving my efforts Applying for this type of credit card.so that it will be no complaints in the future.Thank you sincerely.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 2020-12-06
Company: STERLING JEWELERS, 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: Account status incorrect

Complaint:
I paid all the company I owed in the past and they are showing up still on my credit report as Charged off after I paid all of them. I wrote them and ask to remove them from my credit report and still got no answer from them or no action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Threatened to arrest me and take me to court told me to pay with a XXXX XXXX prepaid debit card for {$890.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: Experian Information Solutions Inc.
State: OH
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 sent out letters on XX/XX/2020 to all three credit bureaus noting inaccurate and unknown information reporting to my credit report and have yet to receive a response to them. It has been well over 60 days and by law I should have received a response by now. I feel as though I am being taken advantage of and ignored of the disputes sent. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused 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 2020-05-29
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I've paid commenity Bank ( XXXX ) card off to a XXXX balance but they still are reporting on my credit report past due and missed payments. They are really damaging my report for this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-23
Company: LEXISNEXIS
State: VA
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:
Disputed an account with LexisNexis about bankruptcy on my credit reports and they responded but failed to update now I'm unable to contact them via phone, email, or their website chat. I have attached the letter that they said they would send to me and to the credit bureau so they could update the letters. I'm getting really aggravated with this mess they have created for me and trying to settle this before contacting the attornies general 's office. They asked for information to verify my account and still failed to update the correct address as you can see on the letter that I attached they emailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: CONTRACT CALLERS INC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Since XX/XX/2019 contract callers has placed four derogatory accounts on my credit report. Im not aware of this company and how they got my credit information and they continue to impact my credit with their multiple reports. They say I owe {$540.00}.

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 explanation
Consumer complaint received 2020-09-22
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
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:
The following Inquiries Viewed By Others listed on my Chex Systems Consumer Report ID : XXXX is fraudulent, unauthorized and not my inquiries : XXXX XXXX, XXXX, XX/XX/2020 and XXXX XXXX, XXXX, XX/XX/2020. I am a victim of identity theft and have a current police report on file with Chex Systems.

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 2020-11-18
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 belongs to someone else

Complaint:
I am filing this report because today XX/XX/20 I applied for a XXXX  credit card and I was denied due to having an account in negative standing appearing on my credit report. The account is from this company ; XXXX XXXX XXXX. This account does not belong to me nor do I have any written/verbal contract with this company. I did not open an account with this company and I did not allow anyone else to open an account on my behalf. I did not benefit anything from this account such as money, goods, services or any other benefit and I did not make any payments towards this account. I have already filed a police report regarding this unauthorized account.

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 2021-01-21
Company: U.S. BANCORP
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
US Bank ( XXXX XXXX XXXX XXXX, XXXX, MN XXXX ) misdirected my bank statements to an unauthorized address in XXXX  XXXX, VA from XX/XX/XXXX to XX/XX/XXXX which is a breach of FDIC privacy law. US Bank claims they received an address change from the US Postal Service but I spoke with XXXX XXXX of the USPS Consumer and Industrial Contacts Dept. ( XXXX ) on XX/XX/XXXX who assured me that that as long as I continued to receive mail at the current correct address ( which I did ) that it could not be an official change because all of my mail would have been diverted to the other address in VA ( which it was not ). I spoke with XXXX XXXX at USPS on XX/XX/XXXX who checked their database and found no record of an address change and spoke again on XX/XX/XXXX with XXXX who also confirmed that no Change of Address was ever processed at the USPS. I then mailed an envelope to my own business address which was delivered by the US Postal Service on the following business day without problem or misdirection. I have been corresponding with US Bank XXXX Customer Service address in XXXX, WI since XX/XX/XXXX trying to resolve this matter by paying the principal balance ( {$670.00} ) on my Business Reserve Line of Credit and proposing a compromise on the interest ( during the period of time that my statements were misdirected ). I spoke with XXXX XXXX, Branch Manager of the local US Bank on XXXX XXXX XXXX XXXX ) on XX/XX/XXXX who indicated that he had authority to waive the interest charges and called his " boss '' for authorization but they declined to negotiate in good faith. My account with US Bank was closed in XX/XX/XXXX and no disclosure of an open balance on the Reserve Line was mentioned at the time. I was unaware of it since my partner XXXX XXXX primarily handled the account and has since died of XXXX. I acknowledge my fiduciary responsibility for the debt and have repaid the principal in full. They are denying any culpability by blaming the USPS for supplying the change of address which I never authorized and the USPS never processed.

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 2020-11-17
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$1900.00}, {$2900.00}, {$2000.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received onXX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-10-22
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I've received numerous calls daily from different individuals for an alleged debt to Best Buy ( original creditor ). Today I finally had an individual identify the collection agency she was employed by. The woman identified herself as XXXX with XXXX XXXX XXXX. I have had no transactions with Best Buy in well over a decade. I denied owing any debt, explained that I was on the do not call list, and asked that I wasnot contacted further. She loudly proclaimed that I was not on the do not call list and threatened me with legal action and wage garnishment. I attempted to further communicate my insistence that I not be contacted furthe but the individual loudly attempted to talk over me. I shouted my insistence loudly a final time and terminated the call. Within 60 seconds of that I was called again which I immediately terminated.

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 2020-10-22
Company: ALLY FINANCIAL INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I leased a 2017 XXXX XXXX for XXXX and my leased expired on XXXX XXXX. Because of the pandemic Ally Bank extended my lease for 150 days with the lease expiring XXXX XXXX. They kept my lease payments the same for the 5 months. Now I want to buy the lease and Ally Bank is saying lease buyout is the same amount it would have been in XXXX. When I called them to discuss why the 5 payments were not deducted from the XXXX buyout amount they said the money was use to extend to keep the lease. I asked why {$1800.00} I paid over the XXXX payments would not come the buyout off since on the lease extension email it was not mentioned. they repeated it was to have the lease. Does not make sense

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 2020-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 2021-01-21
Company: SYNCHRONY FINANCIAL
State: MA
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 credit inquiry from Synchrony Bank credit card appears on my XXXX report as made in XX/XX/XXXX. The application for credit was NOT processed, as Synchrony could match my information to my credit report. After a number of phone calls, I was finally able to sort it out with a representative of Synchrony 's Fraud Department ( XXXX, North Carolina location, phone call on XX/XX/XXXX ), who confirmed that the initial processing of my data was done in error. Since by that time my experience with Synchrony showed that the bank 's staff was incompetent and unpleasant, XXXX and I agreed that there would not be further action taken on my application. XXXX also assured me that no inquiry would appear on my credit report. 

In XX/XX/XXXX, I discovered that, contrary to XXXX XXXX assurances, there is a hard inquiry on my credit report. Further discussions with Synchrony Fraud Dept ( phone calls on XX/XX/XXXX, XXXX, then XXXX, account manager ) were unproductive. The bank refuses to to consider the absurdity of claiming, via its official letter, that they couldn't identify me via my SSN and other personal information from my credit report, at the same insisting their placing a hard inquiry on it is a legitimate practice.

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 2021-11-01
Company: AFNI INC.
State: GA
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:
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES!

Company response to consumer: Closed with explanation