BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-17
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: Account status incorrect

Complaint:
Wrongful systemic institutional XXXX has, and continues to rear it's ulgy head, again!!! XXXX has erroneously inaccurately reported my account number XXXX as 90 day late which is incorrect for 2 reasons : 1 ). I am/have NOT been 90 days late, or in fact EVER 30 or more days late making my monthly payment. 2 ). Due to the current pandemic I have been under a forbearance agreement which has been extended a additional 2 months. Also, per the recorded legal verbal consent from the XXXX representative I was clearly informed that there would be NO late payment/s, nor late fee assessments reported to the credit reporting agencies! In addition I have NEVER been contacted, or communicated, nor notified to arrange any repayment plan, loan modification, or extension of the forbearance plan arrangement

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 2022-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
Since XXXX, 2022. I have contacted all the creditors on the distribution list I have provided about opting out, and having my information furnished on my credit report. Since learning about the XXXX data breach, I've noticed the inaccuracies being reported on my credit report and I have reached out to all of these creditors by mail requesting to opt out, I am even in a law suit over the miss information being reported. These inaccuracies are hindering me from holding down a professional position, causing me anxiety, mental fatigue and even the break up of my household. These false reporting have cost me many business deals one that would have worth close to a XXXX XXXX, credit cards being closed and/or reduced to the point. I went from $ XXXX balance now it's at {$800.00}, my lively hood has been uprooted and now I'm losing my house. Because I can not get any loans or credit to help support my household and family.

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 2021-07-08
Company: Specialized Loan Servicing Holdings LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
From XXXX transactions, SLS reported {$66000.00} as an " amount paid '' by the borrower with a " beginning balance '' on the account of {$66000.00} and no other charges or fees. See attached XXXX Form 1098. In XXXX, SLS claims these XXXX transactions no longer equal XXXX. See attached SLSXXXXResponse. SLS claims what they are reporting as an " amount paid '' by the borrower was in fact an external transfer to another servicer.

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 2020-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email from XXXX XXXX XXXX stating that my loan for {$1000.00} was approved. I never applied for that specific loan. I logged onto XXXX XXXX and saw a connected checking account number from Bank of America. I do not have an account at Bank of America. I called to cancel at XXXX XXXX XXXX. I also called Bank of America to see if that account number exists. They refused to tell me and kept repeating that they don't have an account under my social security number. The account at Bank of America is fraudulent and whoever owns that account tried to steal money from me. I wanted to add that when I was on the phone with Fraud Department, they hung up on me. I called back, found out that the account does exist, and the fraud department absolutely refused to do anything about the customer that tried to take a loan out in my name and have the lended money deposited in their account. I have filed a police report, reported this to the FDIC, and the FTC. I need someone to do something about this, take it seriously, and investigate the account of the person who tried to steal from me. I have a screen shot from XXXX XXXX XXXX  with the Bank of America account number that does not belong to me. Please help and 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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

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 2020-12-20
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Airline tickets were purchased using Citi travel rewards points onXX/XX/2020. These tickets were cancelled by Citi on XX/XX/20. We contacted Customer Service on XXXX to inquire where our refund check was. We spoke to XXXX and then to XXXX who said an escalation ticket would be sent through so that a refund check would be sent to our home address. 
On XX/XX/XXXX we spoke to XXXX who claimed to be a supervisor. He stated he could see in the system that a refund check was requested onXX/XX/XXXX.He could see that the refund from the airlines was received at Citi in XXXX. He said the refund check was in-queue to be sent XX/XX/XXXX and that it would be 4 to 6 weeks before we receive check. We confirmed our address. On XX/XX/XXXX we spoke to XXXX who could see all previous notes. He stated he would put through a second escalation ticket. He said he would contact his personal supervisor XXXX and call back on XX/XX/XXXX. We confirmed phone number. We have yet to hear from XXXX or XXXX. On 1XX/XX/XXXX we spoke to XXXX also an alleged supervisor. She allegedly contacted the Accounting department to request a check. She stated she would contact us in 24 to 48 hours. We have yet to hear from XXXX and we have no refund.

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 2018-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I used a credit repair agency take care of the only collection on my credit report. XXXX XXXX XXXX could not verify the account belonged to me therefore it was removed from my credit report previously. XX/XX/2018 the collection company started reporting to my credit report once again, hindering my ability to proceed with a mortgage loan. If they were unable to verify the account belonged to me, I want to see the proof to verify the debt. I currently have an open credit card with capital one ( the original creditor according to XXXX XXXX XXXX ). I dont want to see my information verified for an account not verified belonging to me with information from my open credit card. I should be protected against the unlawfully verifying of a debt under the fair consumer reporting act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I am XXXX. On XX/XX/XXXX my government SSI benefits became available. I live in XXXX, CA and my card was fradulently used in XXXX XXXX, about XXXX miles away at XXXX XXXX. ( cst ). 

I received 2 email alerts from DirectExpress regarding these transactions ... Automated Fraud Alert and Suspicious Activity Alert. 

One transaction for {$200.00} was successful and another for {$500.00} was declined. Both were performed at the same merchant location and on the same day, XX/XX/XXXX. I contacted DirectExpress and informed them of the fraud and confirmed I had not made these transactions. I was told my card would be reissued and that I had to submit a form in order to receive credit for the money taken from my account. 

I received an email response today regarding my complaint from DirectExpress that no fradulent activity was found, I will not receive the {$200.00} credit, and the case is closed. I have been waiting for a replacement card since XX/XX/XXXX and have not paid rent or bills, I have no money to buy food or other necessities. Their response is unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-17
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
My original credit limit was {$10000.00}. I paid my balance down below 30 % and Citibank decreased my credit limit to {$3400.00} and while I have a balance of {$3200.00}. I explained to Citibank representative and supervisor that I used the credit card to take care of myself and my family that were affected by COVID-19. This was very inconsiderate for Citibank to decrease my credit limit and making my credit usage 95 % instead of being under 30 % as I planned. This pandemic has brought my financial hardships and stress but I have always paid my account on time. This is horrible customer service and this will place a hardship on my credit score. Will someone please address this issue? I need to keep my great credit score for future endeavors.

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 2023-01-07
Company: AMERICAN EXPRESS COMPANY
State: WA
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:
So I reached out to AMEX help Chat via my account on line to dispute a return fee on XX/XX/. The AGent was not very nice and pretty judgemental instead closed out the chat and locked my account. 

XX/XX/ scheduled a payment for {$50.00} and {$25.00} XXXX shows on XX/XX/ both {$50.00} and {$25.00} were paid out ( debited ) AMEX on XX/XX/ shows {$25.00} dollar was credit to AMEX account and shows a return fee of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: TransferWise Ltd
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Hi I recently transferred my money from US checking account to XXXX checking account. When I initiated a wise transaction on XX/XX/XXXX, initial time frame was XXXX days, then wise send me an email stating that it may take longer and money will be credited into my account by XX/XX/XXXX. I have already raised XXXX complaint to them but no action instead they sent me another email that it will take even longer without providing any timeline. 

Money is deducted from my checking account and I am not yet paid in final account. I had done many transactions in the past and usually it never happened but this time as money was big, I am afraid that wise planning to keep the money. It has created a lot of mental stress to me, kindly look into the issue as soon as possible. 

My membership ID with wise is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-08
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Settlement amount was agreed upon & paid. 
Lawfirm assured me that a satisfaction of judgment would promptly be filed with the court. 
It's been almost a month since the payment was made. Judgment still remains. Attempted to telephone Stillman Law Firm but was unable to speak with a representative due to heavy call volume.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: Experian Information Solutions 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:
On XX/XX/2020 about XXXX eastern time i called XXXX  , XXXX  and Experian to kindly remove these account that arent mines and incorrect that are on credit report which is affecting my credit score but they were being rude, had me on wait for about 15mins and they just wouldn't comply.

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 2020-07-17
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:
FTC Violations XXXX XXXX {$380000.00} XXXX XXXX {$1200.00} XXXX Card {$5300.00} XXXX XXXX XXXX {$5200.00} XXXX {$1300.00} XXXX XXXX XXXX {$2000.00} Inquiries : XXXX XXXX XXXX XXXX Please remove addresses : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY 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 2021-02-03
Company: Shellpoint Partners, LLC
State: PA
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:
Unfortunately I do not have specific dates but I have time frames. Several times in XXXX, XX/XX/XXXX and XX/XX/XXXX, I have contacted XXXX  credit bureau to dispute the inaccuracy of ShellPoint mortgage displaying on my credit report as open with a balance. I have also contacted the mortgage company and they informed me that they sent updates to the credit bureaus back in XX/XX/XXXX which is when the mortgage was satisfied. I also sent mortgage satisfaction documents to the credit bureau and they are refusing to update the credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Eastern Account Systems of Connecticut, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX gave no notification or bill or email on an {$8.00} service fee. then reported account 30 days past due on a {$8.00} service fee. Of course then then added {$50.00} late on top of that. This seems like a scam to defraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 have a XXXX interest APR with Bank of America that expires XXXX. I paid the balance owed ( XXXX ) on the statement due XX/XX/XXXX. They have not provided my any other bills or statements showing any additional charges owed at this time. 

I called to confirm I met the APR terms and they told me I'd be charged in full for the previous amount paid plus new charges I have not even been billed on XX/XX/XXXX at 23 %. 

I have paid all statements due and have not received a bill for any other fees charged that they are saying are due to prevent fees. This is not an ethical practice. Not fair to the consumer to penalize them for fees they have not even been made aware of or sent a statement for. In addition to make me pay fees on monies I've already paid ... the XXXX if another XXXX is not paid by the 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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I was a victim of identity theft. I did not have the option to upload these documents and was advised to mail them. To be honest, mailing letters to the credit bureaus has been a complete waste of time because nothing has been done. Attached you will find the following : Dispute letter ( Identity Theft ) Police Report FCRA 605B Photo ID

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 2018-11-16
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:
On XX/XX/XXXX I checked his credit thru a credit monitoring service and discovered several accounts dating back to XXXX had been open in my name without my authorization. A personal credit card accounts had charges to it that I never authorized. Other Unauthorized accounts includes loans and mobile phones.

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 2021-05-29
Company: EQUIFAX, INC.
State: OH
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 have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX -XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I reviewed my credit report. I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 2020-04-23
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I had a pass due amount of {$310.00} on the XXXX of XXXX. 
This came up after I was denied the income driven plan! I think it was two to three weeks after I worked as a waitress and lost that job and found work with XXXX and dealing with other bills like my car bill, utility bills and phone bill. 
I thank God my car lender was able to give me a three month extension over the COVID 19 and that, I did find another job considering the fact my car insurance renewal was coming up and they gave me up until XXXX to make that payment. 
I dont know whats really going on with FedLoans because, I tried getting the help I needed from them, way before we even knew about this Coronavirus.

Company response to consumer: Closed with explanation