BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
In XX/XX/XXXX I applied and received a XXXX Credit Card. Over the years I have struggled to pay this card down. In XX/XX/XXXX I contacted XXXX to plead for assistance. This was not the first time I had done this. They asked me multiple questions about my income and bills i have to pay. That is when they offered me a financial assistance program. My amount due each month was XXXX dollars. If I continued paying this amount long term, It would pay off my account. I set up automatic payments and they could only set up 12 months worth of payments. In XX/XX/XXXX, I called XXXX back to set up another 12 months of payments. On XX/XX/XXXX I went into my local credit union and met with a loan specialist. I needed to do some repairs on my house and needed a small loan. The bank ran my credit report. I was denied because XXXX has been reporting me late every month. How can this be when they take the money automatically each month. I called XXXX that day and was told when I signed up for the payment plan i was 90 days past due. I would have had to pay 3 months worth of payments upfront to bring me current. I have paid over 300 dollars since I first signed up, yet I am still past due. Today, XX/XX/XXXX, I called XXXX again and spoke to an executive specialist. She told me that my minimum due is XXXX dollars each month and that doesn't change even though they enrolled me in a payment plan. On my credit report it states that I owe XXXX a month and that I pay XXXX a month. But behind the scenes they are saying I actually owe XXXX but I am only paying XXXX. This is completely deceptive to me and anyone else on this payment plan.

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 2018-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have contacted each Credit Buruea about the inaccurate reporting of the Bankruptcy they do not meet the guidelines set forth to report this on my credit file, XXXX is the only Buruea that has acted accordingly to the rules and regulations, they stated this information was provided by a 3rd Party, therefore I would like the other 2 Burueas XXXX and TransUnion to remove and delete the Bankruptcy as well off my credit file. I have contacted the Bankruptcy court and they responded they do not provide this information to the Burueas or 3rd Party Agencies. Ive sent several letters asking them to dispose of this on my credit and they keep saying they verified it, which is not true.

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 2020-05-01
Company: CITIBANK, N.A.
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
This is the request to reopen the investigation : XXXX XXXX  XXXX about the fraud made in my savings account, where from XX/XX/2019 to XX/XX/2019 a total of {$17000.00} USD was disbursed  through XX/XX/XXXX XXXX XXXX machines in several transactions during this period of time. 
The claim today is for the remaining {$8500.00} USD that is still outstanding as a result of the transactions made to my account from XXXX to XX/XX/2019. CITIBANK returned the transactions made from XXXX through XXXX covering the amount of {$8500.00} USD but does not want to recognize the outstanding amount of the other half ( {$8500.00} ) from XXXX through XX/XX/2019. 
Transaction Date / Amount XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} Note the date of transactions, those violated your rules about the maximum transactions per month allowed for a savings account, without any security action from you. 
CITIBANK concluded that these transactions were authorized by me, which were not, and XXXX XXXX XXXX shared documentation to the bank that looks like I authorized these transactions. 
These ID documentation are fake and obviously are not related with my actual identity and must not been used to. 
I have verified, to CITIBANK, several times through correspondence, telephone and in person in your offices in XXXX, FL, that these documents ( by the impostor ) are false and cant be even considered under any circumstances, proof of my real identity. CITIBANK asked me to contact the company XXXX XXXX XXXX to collect the remaining balance which is still owe to me ( {$8500.00} ). Even knowing that I dont have any relationship with XXXX XXXX XXXX, I contacted them ( XXXX XXXX XXXX ) to make the claim and they send me back to CITIBANK, indicating that CITIBANK is still responsible for this refund. 
XXXX XXXX XXXX are open to be contacted by the bank to continue with the investigation. 
As a CITIBANK client for more than 10 years, I hope you will be more responsive for this claim. We have proof once and again that the ID document originally sent by XXXX XXXX XXXX does not match with my real/actual documentation registered in your records.

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 2018-03-19
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have been very successful in my life, but like millions of others, I lost everything in the XX/XX/XXXX-XX/XX/XXXX recession. My credit was ruined by my divorce. I have not had a credit card in 5 years I went bankrupt ( never filed ) I use to have an XXXX credit sore. I began to learn about secured credit cards and a friend told me Discover offered one with no credit check. 
You know a hard inquiry will hurt your credit I FILLED OUT THE APP, I was never told a Hard inquiry would be pulled. I HALTED THE APPLICATION BECAUSE I DID NOT HAVE ALL THE DOCS NEEDED I TOLD THEM TO STOP THE APPLICATION. I HAVE A RECORD OF 2 phone calls I told them to stop the APP AND 7 emails asking me to COMPLETE THE APP ... .WHICH WAS NEVER COMPLETED THEY PULLED A HARD INQUIRY WITHOUT MY COMPLETING THE APP WITHOUT MY PERMISSION AFTER TELLING THEM TO STOP APP THE CALLS ARE RECORDED SO WE CAN PULL THEM THIS IS DECEITFUL AND ILLEGAL- I never COMPLETED THE APP AND I HAVE 10 emails CONFIRMING THIS I WANT THIS HARD INQUIRY REMOVED FROM MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: KEYCORP
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On or about XX/XX/2019 KeyBank received Affidavit of Identity Theft and Fraud regarding the account in question. During the course of their investigation I furnished them with a copy of my Certificate Of Offender Status as proof that I was incarcerated during that time period. Furthermore, I testified under penalty of perjury that I did not authorize any transactions in my absence. 
It is now XX/XX/2019, and after attempts to contact KeyBank to remove this item, the KeyBank account is still on my credit reports. This is a violation of the Fair Credit Reporting Act because the information is inaccurate and the account contains fraudulent activity for which I am not responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had multiple medical collections with RECEIVABLES MANAGEMENT PARTNERS , LLC. 
I set up a payment plan and paid off all my debts with them. They sent me Receipts stating the amount I paid the account number and that it was paid in full and the amount owed XXXX. 
Months later I received a debt collection notice From XXXX XXXX XXXX XXXX XXXX for a medical bill that I paid for through RECEIVABLES MANAGEMENT PARTNERS , LLC. 
So I immediately called them and they assured me I paid that account with them and I told them that I had gotten another collection for the same debt and they had no idea how that was possible and told me it was for sure paid. So I called the XXXX XXXX XXXX XXXX XXXX and gave them the account number and told them that I had a paid in full, XXXX  out Receipt for that specific date and debt. 
After months of having to call them and try and get answers, because go figure the one time you want a collections agency to call you, they dont.

Their explanation took literally months to construct and they have offered zero proof or paper trail of an account not being paid.

I do not feel like Iam responsible for their mistakes. I have my proof of payments and I do not intend to pay for the same account twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A RBFCU MasterCard Credit card was opened in my name fraudulently by an RBFCU employee. I applied for a vehicle loan through RBFCU, was approved, only to find out a couple days later that an RBFCU employee in the consumer lending department fraudulently opened a credit card in my name without my approval or authorization using the same credit inquiry for my vehicle loan. After trying to work it out with RBFCU, I was met with a lot of hostility, specifically from a supervisor named XXXX. After listening and confirming that I did not approve the credit card on the call, she then began to foolishly ascertain that it was not fraud and that she was not going to report it. She left it in my court to resolve this serious illegal act perpetrated by RBFCU 's own employee. Once I knew she wasn't taking this seriously, I reminded her that I had to report this incident to the FTC/CFPB, she then backtracked. I had to read her a definition of fraud/identity theft and explain to her that he has my personal information, including my SSN, and this may not be the end to the fraud. Rather than protect an RBFCU member ( me ) who was a victim of fraud by their own employee, she had clear intentions to protect the employee rather than me by not disclosing his name for me to file a proper fraud report. Overall terrible experience. I didn't expect to be met with such disregard towards a long-standing member who simply wanted a valid resolve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-02
Company: EQUIFAX, INC.
State: NJ
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 sent 3 letters to the credit bureaus XXXX, XXXX and equifax demanding that they investigate the inaccurate reporting and obvious violations that are being reported by all 3 bureaus on this " collection '' account by XXXX account # XXXX ... each time they come back and say they conducted a full investigation and everything is reporting 100 % accurate so they say that its verified as accurate ... ..how are they saying that they conducted a full investigation and its verified as accurate when all 3 bureaus are reporting different information and violations that are killing my score ... the answer is they did not conduct a full and proper investigation and this account is not reporting 100 % accurate.I have attached documents as evidence. look at the payment history they are all reporting differently, how are they reporting a credit limit on an account that is " charged off '', they are reporting different dates of last payment and date of last active, they did not conduct a proper investigation as required by law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
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:
I have a number of accounts on my credit report that do not belong to me. I would like them removed. 
CXXXX 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 2018-05-03
Company: EQUIFAX, 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:
sent ftc of inaccurate information showing up on credit report Equifax, XXXX, and XXXX has inaccurate information most might not even be mine please correct the inaccurate information ... .. Violation cra

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-07
Company: Experian Information Solutions Inc.
State: FL
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 the following accounts XXXX XXXX Acct # 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 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 an 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 non-monetary relief
Consumer complaint received 2020-12-03
Company: CAINE & WEINER COMPANY, INC.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There is no selection for this, so I selected a random item from the list. 

I will not allow this company to collect additional information from me, but am willing to pay the amount owed. I have never received any letter communication from them so I do not have the account number. They are refusing to provide me the account number without agreeing to comply with their collection policies, which I do not have to do. I have repeatedly stated I will confirm my identity ( and have ) by providing my name and address, but will not agree to their collection terms because I am tired of collection agencies using that as an excuse to send me marketing information, or collect information they do not need to allow me to make payment. 

I have recordings of their employees refusing to provide me my account information to make that payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: EQUIFAX, INC.
State: FL
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 the following accounts XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX I XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
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: Public record information inaccurate

Complaint:
On XXXX I reached out to TransUnion about having XXXX Bankruptcy on my file. They said that they would remove it. Its not showing on any of my other bureaus. Once I did that I automatically got a point reduction that lowered my credit. Looking at my credit file compared to others that are quite the same, my score with them and the other bureaus are low. Im praying that this is not a color factor because others with the same credit as mine have much higher scores.

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 2019-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity fraud since 2017. Bank of America has charged my credit and debit card for charges not made by me. There are late charges added and it is hurting my credit.

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 2018-12-18
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/18 Wellsfargo Bank unfairly revoked my debit card after filing claims for non received merchandise from merchants transactions without ANY warning This is defamation & slander. I demand IMMEDIATE reinstatement of card ending in XXXX, or if not possible issuance of new card.

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 2018-05-18
Company: U.S. BANCORP
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Multiple transactions being charged for overdraft fees on XX/XX/XXXX due to a payment and deposit being pulled at the same time. Deposit was under {$100.00} and should have posted overnight. It was held until the debit had posted and until the overdraft fee was processed, then I was charged a second since my deposit was not enough to cover the first fee. Records on my end indicate that money was available prior to two overdraft fees of totaling {$72.00} being posted. After overdraft fees were posted available account balance was - {$59.00}. On XX/XX/XXXX two more overdraft fees posted during my direct deposited paycheck. Had the transaction in question posted with my paycheck there would have been no problem. Funds were held and processed all at the same time, but in an order that would post a negative balance to my account of - {$1.00} prior to my paycheck posting. Called bank and they stated they will hold funds and charge fees based on transactions, not based on the actual balance of the account. So out of the four overdraft fees posted, according to their policy I would get charged {$36.00} for overdrafting, then another {$36.00} because another transaction was moving through the account, regardless if it was a credit or debit. I have no problem with this bank prior and have been a customer for over 6 years. Money was in the account, however the order that they decided to post the transactions caused it to go over so they could milk overdraft fees from 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 monetary relief
Consumer complaint received 2019-03-14
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AFNI was included in my dispute letters sent to the credit bureaus on XX/XX/XXXX. In my most recent letter on XX/XX/XXXX, I requested the following : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

It is now XX/XX/XXXX, and I have not received any validation as I requested above.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS
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:
I have a USAA XXXX account that has been setup to auto pay the balance due in full for many years. They always take whatever amount they want when they want it. I have zero control over this process after it is setup. They take whatever this amount is in a reliable fashion. However, on at least two occasions in the past 6 months, and possibly more, they have charged me " interest on purchases '' - which as the balance should be XXXX at the time should also be XXXX. I have complained and after multiple attempts it was corrected the first time. I have complained again but since millions and millions of customers could also be affected I have told them to look for customers like me in their system and credit all of us the money we are due this time around.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation