BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-31
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My Citi Debit Card number XXXX XXXX XXXX XXXX My Citi account number XXXX My name is XXXX XXXX. 
Citibank started to charge me monthly fee {$25.00} each month without any prior notification to me. Previously the fee schedule was without monthly service fee. 
The loss is summarized below : I was charged XXXX dollars on XX/XX/XXXX. 
I was charged XXXX dollars on XX/XX/XXXX. 
TOTAL XXXX dollars. 
I closed my account on XX/XX/XXXX when I noticed these unauthorized fees in 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 2018-08-31
Company: Waterfall Revenue Group
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I finished my services with # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX when I turned in my equipment and was told that my balance was paid in full at that time. I later learned on XX/XX/XXXX a collection was placed on my credit for {$760.00} by XXXX XXXX XXXX. I tried to figure out why I was put in collections and was not able to figure that out. Later on XX/XX/XXXX I went to the service provider # XXXX XXXX XXXX XXXX XXXX where the service was provided by them previously and they were equally as confused and showed my balance was still XXXX and printed out an invoice of the latest transactions for my account. This is the invoice attached. I have still not been invoiced for the charges that were put into collections and both the person in charge of the companies charges before sent to collections and the collection agency will not give me answers as to why the debt is owed. I feel like they are taking advantage of people because in most causes the services they provide are required to maintain driving privileges.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

They have violated my rights. 

Account name : # XXXX  Acct XXXX XXXX Account name : # XXXX  Acct # XXXX Account name XXXX XXXX XXXX Acct # XXXX Account name : # XXXX XXXX XXXXr Acct # XXXX Account name : # XXXX  Acct # XXXX Account name : # XXXX Acct # XXXX Account name : # XXXX XXXX  XXXX Acct # XXXX Account name : XXXX XXXX XXXX. 
Acct # XXXX Account name : XXXX XXXX XXXX XXXX Acct # XXXX Account name : XXXX XXXX XXXX XXXX Acct # XXXX Account name : XXXX XXXX XXXX Acct # XXXX Account name : XXXX XXXX XXXX Acct # XXXX Account name XXXX XXXX XXXX Acct # XXXX Account name XXXX XXXX XXXX Acct # XXXX Account name : XXXX XXXX Acct XXXX XXXX Account name : XXXX Acct # XXXX Account name : XXXX XXXX XXXX Acct 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-07-21
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: Personal information incorrect

Complaint:
I am a victim of identity theft and I am trying to correct the inaccurate/incorrect and misused information on my profile that reports multiple times. This company is refusing to fix the issue and always claim my information was verified with no proof when I show them proof its wrong on profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I got very sick with a XXXX XXXX and could no longer and then XXXX happened. Our funds were becoming very tight and our mortgage company offered a Forbearance, and said at the end of the Forbearance the amounts missed would go back into the loan and we would start our payments back up. Every time it was time for the Forbearance to end and payments to start up and I would ask about it, they continued to send me a loan modification packet and would continue my Forbearance. For the past year they have said that my Forbearance limit has been maxed, and thats completely fine but I have begged for my loan to be set back up on the payments as stated in the beginning but they have still continued sending a modification packet that says I dont qualify for a modification. Im not trying to get a modification Ive asked for a year for my payments to be set back up and an exit from the Forbearance as stated would happen. Now they are either Foreclosing XX/XX/XXXX, I have to pay a lump sum of {$18000.00}, or file bankruptcy to keep my home. Weve lived in our home for 20 years I cant lose my home. 
Our states attorney general is helping and she did get it reversed about 45 days ago and closed everything out and they started again. I just need our loan exited from the Forbearance so payments can resume back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was just contacted by a Law Firm on behalf of US Bank. I had an account with them more than 15 years ago. Apparently I had an overdraft charge that was not paid, although I closed the account at that time and was not notified at the time of my account closing that I had any fees remaining. I have never received contact from US Bank regarding this until today and now they want me to pay them more than {$2000.00} dollars in late fees. 

The Law Firm literally said they ran a check on my personal funds recently and noticed I now had income to spare, which I do not as I pay {$570.00} a month in student loan debt and hundreds of dollars in copay 's for health insurance, as I have a rare XXXX that requires a massive amount of XXXX. They threatened to garnish % XXXX of my income, I will not be able to pay for life saving medication or my student loans at that rate. 

I have worked really hard to pay down my date, pay my bills on time and maintain a high FICO score and they are threatening to dismantle all of my hard work. 

I have not contacted them directly as I don't believe they will help me, if they waited more than 15 years to contact me and to run my income once they thought I was able to pay their egregious amount, I cant imagine they will be willing to help me today. 

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 2023-06-24
Company: AMERICAN EXPRESS COMPANY
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: Account information incorrect

Complaint:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Credit Karma, LLC
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On or around XX/XX/2023 I initiated a transfer from my XXXX XXXX XXXX Account to my Credit Karma checking account in the amount of {$600.00}. I have previously transferred between these accounts in the same fashion and never ran into an issue until now. Credit Karma advertises that they do not hold deposits and rather make the funds available to a customer as soon as the arrive, however I see in my account history that the funds had arrived on XX/XX/XXXX as expected yet they are BEING HELD by Credit Karma. Not only is CK ( Credit Karma ) falsely advertising their services to the american people, they are violating their very on rules by holding onto my deposit. 

In the transaction description it states that funds will be held until XX/XX/2023 to " prevent fraud ''. There has never been fraud reported on this account and this account has already had these transfers come through just fine historically. I think they are holding my deposit to utilize my funds for their own benefit, it makes no sense to hold my money XXXX like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
N the months of XXXX and XXXX of 2022 late payments reported improperly and incorrectly. 


In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions 15 U.S.C 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
N the months of XXXX and XXXX of 2022 late payments reported improperly and incorrectly. 


In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions 15 U.S.C 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 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 2020-10-17
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a check deposit into my bmo account. The check was made out to me and XXXX. I deposited the check with only my signature not noing I needed XXXX signature but they excited the check. ( bank, teller error ) I was pulling money from the account just fine until I decided to withdraw a large amount. Thats when the bank manager of the bmo Harris bank told me the problem. She said that she put a hold on my account. What now I asked? She said she need a endorsement from XXXX before she can release my funds. I then got on the phone with XXXX XXXX. XXXX said that they can't do nothing unless its the original check from my insurance Company and wasn't willing to do anything to help me. I then informed Bmo Harris Manager and she said the there is nothing she can do. That she couldn't return the original check because it have already been deposited and I can't get my funds for 10 years.

This have caused me to lose my Company to close down my employees to quit because u couldn't pay them and cause me to get behind in bills ( financial lose because of this bank error ) My name is XXXX XXXX my phone number is 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 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX Account # 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 explanation
Consumer complaint received 2018-03-05
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I have contacted Equifax several times to get a XXXX communications debt off of my credit report but it keeps coming back every few months. An account was opened in my name when I was XXXX and without my knowledge. I have supplied frontier and Equifax with my identification to get this resolved. It goes off my report then comes back on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: IN
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:
On XXXX XXXX XXXX, I sent a request to have unauthorized and inaccurate late payments removed off from my credit profile. I asked by the provision of the Fair Credit Reporting Act, that these items be investigated and removed from credit report. Under 15 U.S.C. Sec. 1681i ( a ) they must complete this investigation within 30 days of the receipt to my letter. These inaccurate late payments are dated XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. XXXX, XX/XX/XXXX. These are violations of the Cares Act as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: CAPITAL ONE 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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX, I had lost my credit card ( capital one ) somehow purchases and payments were still being made. This person, has been pretending to be me since then, ( email addresses, social media profiles, my drivers license, and threats from the other victims ). I filed 2 police reports around that time when this first happened to me. 

I created a report to dispute many credit cards that were under my name with XXXX. In XX/XX/XXXX, I received a bill from Capital one saying I owe them over 8 thousands dollars I then created a report and started the process. However my investigator that was on my case, told me in XX/XX/XXXX, that everything has been resolved, and to ignore the bills that I keep receiving because the process takes a while. Once I received a bill I contacted capital one and they are saying there is no fraud, even when my investigator told me everything is good to go. 
I have called capital one for 3 weeks, no answer or no call back. He is the only one who can work with me. I tried to get help from others, but they told me only this guy can help me because he was working my case. 

I am in a situation where I have no idea what to do or proceed, if nobody from capital one will help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: Ability Recovery Services, LLC
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:
I am in the process of repairing and building my credit. I sought after a credit repair company who have sent letters on my behalf to all Debt Collectors who are reporting inaccurate, outdated, unverifiable, and obsolete information. I started this process on XX/XX/2020, and they have sent out a total of 2 letters within the last 60 days. In that time i have yet to hear from the Debt Collectors who have reported this unverifiable information, therefore the inaccuracies are still reflecting negatively on my credit report.

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 2023-01-30
Company: BARCLAYS BANK DELAWARE
State: TX
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:
Back in XX/XX/XXXX, I received a letter from XXXX XXXX that indicated I had been apart of a data breach through their security system. I went in and registered my information with XXXXXXXX  during that time and had not heard anything since. 

On XX/XX/XXXX, I was reached out by someone at a local XXXX XXXX indicating that someone came in and tried to request an apartment application with a fake license and SS using my name. She reached out to me letting me know, during that time I put my name, credit, and information on ID Theft Protection website to ping me for any inquiries that were fraudulent. They denied the credit application, this was at apartments of XXXX XXXX XXXX  in XXXX. Since then I have not received any credit hits and assumed that this was a one-off occurrence. 
On XX/XX/XXXX, I received a hit from XXXX inquiries on my credit application to purchase a vehicle from XXXX XXXX of XXXX with XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX  I reached out to XXXX XXXX and all XXXX additional vendors and confirmed that the inquiry did not go through ; however, I notified the address on the inquiry was in XXXX, Texas. I started to XXXX the address and noticed that it was an XXXX XXXX XXXX XXXXXXXX called XXXX on the XXXX. I reached out and spoke to the office XXXX and he indicated that they did have someone living at the facility. I confirmed my name, date of birth, license information and SS with him and he did confirm that someone is there at the facility. 
He indicated that there was nothing that the apartment complex could do even through I am indicating that this person has used my identify to get an apartment. The only thing I could do was file a police report, which leads me too today. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Barclay 's Bank Delaware 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 XXXXXXXX

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 2019-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
debt reporting is larger than the original debt amount I have made numerous attempts to contact Bank of America via telephone being on hold over 10 occasions for over 30 minutes representative never answered USPS mail. Not one single representative has contacted me in reference to the debt. 

Bank of America holds the debt but will/has not communicated with me to allow me to resolve the issue. this negative debt remains on my report without opportunity to rectify

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 2020-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I have been transferred to many people at capital one and Ive been getting the run around all year round. I agreed to do a 3 month settlement for one of my accounts and i have the final letter in my email. It should have been 3 payments that equal to about {$360.00} last payment was sent XXXX XXXX ish. It should be complete and off my records. I should only one capital one account on my credit at the moment. But today i get an alert and it dropped my score at a large rate thats already hard for me to get increased. I worked hard on my credit score but for something wrong to be reported and drop my score is very upsetting.

Company response to consumer: Closed with explanation