BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There is sooo many times and overwhelming fees Bank of America had charged me with and has not refunded within the past two years its constantly happening

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-17
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened a free checking account and it's U.S. Bank XX/XX/2022 was supposed to have no fees they cancelled all the no fee accounts and are charging monthly fees of {$6.00} each month will not credit fees. 

I didn't not agree to a monthly fee account at US Bank this is fraud they are stealing my money since XXXX {$70.00}

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 2022-01-16
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
COMENITY BANK have violated my consumer rights as a natural person Pursuant, but not limited to, the Fair Credit Reporting Act at [ 15 USC 1681 et seq. ] and the Fair Debt Collection Practices Act at [ 15 USC 1692 et seq. ], and the applicable portions of Truth in Lending ( Regulation -- - Z ), at 12 CFR part 226 et seq., Failure to provide consumer with the original instrument of indebtedness in its original form under penalty of perjury as required under Federal and State law is a violation. If COMENITY BANK continue to report unverifiable or inaccurate accounts on my Consumer file COMENITY BANK will be liable to unfair debt collection practices, False, decedptive and misleading representation pursuant to 15 USC 1692e. COMENITY BANK if fail to provide docuemnts requested by consumer will be held liable to criminal liability for willful and knowing reporting FRAUDULENT ACCOUNTS on a consumer file pursuant to 15 USC 1611 and civil liability for ANY injuries or damages as a result on COMENITY noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I contacted the credit bureaus on XX/XX/2023 most recently trying to exhaust all options and I still have incorrect personal information 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 2022-10-25
Company: NAVY FEDERAL CREDIT UNION
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: Credit inquiries on your report that you don't recognize

Complaint:
Applied for credit card while I did not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
XXXX guideline violations of closed tradeline account ending in XXXX impacting credit/FICO score. 

Attachments include new complaint, my driver 's license confirming my identity and supporting documentation that highlights the missing tradeline information in violation as per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been a customer with NFCU since XXXX. I have had mortgages and equity loans with NFCU since XXXX. So when I wanted to do a cash-out refinance, I applied to NFCU. I applied on XX/XX/XXXX. I then received a request to upload supporting documentation, and I did so on XX/XX/XXXX. The next step was a home appraisal, and I paid {$460.00} on XX/XX/XXXX for the appraisal. 

And then - nothing. I called and emailed my processor, XXXX XXXX, numerous times asking about the status of the application ( at least emailing her on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), and received no response. Finally, I called the main customer service line at NFCU on XX/XX/XXXX or XXXX. I was told, to my surprise, that my mortgage loan application had been WITHDRAWN. The reason given was that I hadn't provided paystubs with my paperwork -- but I am XXXX, and don't have paystubs. I had provided my XXXX to show proof of income. 

After several calls with NFCU, I received an email on XX/XX/XXXX from XXXX, stating that " [ t ] his is completely a mistake on our side, '' and she was working with her supervisor to fix it. But again, I heard nothing the next week. Finally, I called again on XXXX XXXX and was told that XXXX would call me by XXXX that day. She did not. I called XX/XX/XXXX to inform NFCU that it had lost my XXXX of 28 years, that I wanted a refund of the {$460.00} I had paid for the appraisal, and I would be going with another lender. 

Amazingly, the story does not end there. The evening of XX/XX/XXXX, a new processor left a voicemail for me stating he was working on my application, and would call me back early the next week. On XX/XX/XXXX, I received notification that NFCU had run a credit report - completely unauthorized - on another application for me. On XX/XX/XXXX, I received an email from NFCU about my " new '' loan application. And on XX/XX/XXXX, ANOTHER processor called me, asking for information about my application -- all after I had informed NFCU that I was absolutely done with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-08
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit report and notice accounts that not mines. i been a victim of identity fraud in the past. I provided 2 copies of my ID to prove my identity.

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 2020-10-21
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chime bank is a deeply negative crooked scam company that does nothing to help their customers. I had an account 4 months, noticed an unauthorized transaction and emailed XXXX they sent a new card with a hold on my account once I got the card I activated it and immediately was suspended on their section 9 that states they basically can close your account for no reason WITHOUT A REFUND!!! this is an absolute outrage, Ive had my unemployment and sba loan saved up after our business burned down in the wildfires in California. This is not legal for them to take away covid 19 disaster money, especially during a pandemic with XXXX children that need food and supplies Ive gotten 4 different emails telling me different things, so confused and overwhelmed by frustration Ive sicken my stress into XXXX and had to rush to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Foursight Holding LLC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I disputed a debt with this company, on XXXX XXXX and they fail to report the dispute to the credit bureau. 
I'm seeking legal consul and the is a violation of FCRA section 623 which carries a fine of XXXX XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
lexus nexis and XXXX  giving out my information when i've been a victim of ID theft i've opted out of everything violations of my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I recently had my Citi Costco Credit Card account limit lowered. This has been after a year of paying on time after a bad year with the pandemic. I then put {$700.00} on my Credit card to loosen some room on XX/XX/XXXX. I had in the money in my XXXX XXXX XXXX Bank Account, and Citi decided to place a " float '' on my payment for TWO WEEKS while they decided if I had the money or not. 

This is the second time this has happened to me with Citi, which seems to do it on a whim.

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 2018-03-11
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: Credit inquiries on your report that you don't recognize

Complaint:
I have credit inquiries on my credit report that I do not recognized and/or didn't authorized. Some are multiple in the same month. I have tried to dispute these with Transunion several times but they keep saying that they are mines, but they are not mines.The hard inquiries are below that isn't mines. 

1. XXXX ( XXXX ) 2. XXXX XXXX ( XXXX ) 3. XXXX ( XXXX ) 4. XXXX XXXX ( XXXX ) 5. XXXX XXXX XXXX ( XXXX ) 6. XXXX  XXXX XXXX ( XXXX ) 7. XXXX XXXX ( XXXX ) 8. XXXX XXXX - XXXX  ( XXXX ) 9. XXXX XXXX - XXXX ( XXXX ) 10. XXXX XXXX - XXXX ( XXXX ) 11.  XXXX XXXX - XXXX  ( XXXX ) 12. XXXX XXXX - XXXX  ( XXXX ) 13. XXXX XXXX XXXX ( XXXX ) 14. XXXX ( XXXX ) 15. XXXX ( XXXX ) 16. XXXX ( XXXX ) 17. XXXX XXXX ( XXXX ) 18. XXXX XXXX ( XXXX ) 19. XXXX ( XXXX ) 20. XXXX ( XXXX ) 21. XXXX  ( XXXX ) 22. XXXX  ( XXXX ) 23. 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 explanation
Consumer complaint received 2020-10-21
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
My supervisor contacted me alerting me that a debt collection company has been calling repeatedly trying to reach me regarding a debt. They were told this is not allowed and it needed to stop. They did not. I called them and told them myself you can not call my job or I could get fired.They said they would stop but they havent. They still call all the time. The company in question is midland funding llc. I dont have dates because its been weekly for the entire year. They have my phone number and address on file but claim they dont.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting 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.

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 inructions 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 explanation
Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020 I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On XX/XX/2020, your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested, also the name XXXX XXXX XXXX XXXX appearing on your XX/XX/XXXX letter confirmation # XXXX is incorrect. On my letter dated for XX/XX/2020, I included a copy of my California driver license and a copy of my Social Security card, as I also have included a copy along with this letter to you again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
I have contacted XXXX and XXXX XXXX XXXX. They have informed me that they have reported the accounts as closed and the accounts should be deleted month ago. I have called the credit reporting agencies. The only thing that has occurred is extension of investigation, despite additional information not being received. They have also granted me letters stating that they have deleted the accounts, however the accounts are still showing up on reports as unpaid collections. 

Additionally, I have submitted online documents showing that XXXX XXXX is reporting innacurately reporting a lease break. I provided documents showing the Contemplated Lease signed as part of the application process. I provided Lease Disclosure on Page 52. that states that this Contemplated Lease is not approved until the Manager signs it. The manager has not approved or signed it. I withdrew my application prior to approval. The manager ignored my withdrawal and charged me with a lease break. 

I provided 1 ) Contemplated Lease ( mandatory-part of application for apartment XX/XX/2018 2 ) Email- The email withdrawing application XX/XX/2018 3 ) Invalid Lease ( See time stamp on last page-Manager signed online XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am making my payment on time and requesting the company to remove the late fee because of COVID hardship. They say they can not remove the late fee because the cut off time for payments is XXXX XXXX EST. I asked them to make an exception because of hardship and because the payment was technically made the day it was due. They informed me they can not remove the fee and that the cutoff time will change to XXXX XXXX   EST in XXXX. They said it is changing due to " Industry Standard, '' but none of my other credit card companies have a cutoff time like this, and I do not believe this is " industry standard. '' I have had problems making my payments on this company 's website and that's why they recently added a feature to allow you to pay without logging in via email. They advised me to log in to make my payment a day early. If the payment is due the XXXX and I pay it on the XXXX why am I being charged this late fee and being told it is an " Industry Standard '' when it clearly is not?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Strategic Alliances, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We paid what was owed on account but there was an amount charged of XXXX that I never signed for and it was a fraud from a jewelry story from out of the country as soon as it came on my account I contacted XXXX and they would not do anything and I found out they are not in the United States. I need some help and really advise no one to obtain the XXXX CREDIT CARD please help with this situation as I have no problem with numerous credit cards I have and want to fix this Asap

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
American Express charges over {$400.00} dollars in Interest plus + late charges. I was late twice in making the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This has been an ongoing battle with XXXX and Experian I have disputed information, submitted ID Theft Affvaidts and police reports ; they fail to delete items however the remarks say : '' re-investigation in process '' The accounts that are not mine in it related to Identity Theft are : XXXX XXXX, XXXX XXXX ( two accounts ), XXXX XXXX XXXX ( I do not have any children ), XXXX, and 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 2020-10-21
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I bought swimming pool motor from a company at XXXX but the motor has stopped after four month and since the motor has one year warranty I talked to the company about it, they said I should talk to the manufacture company XXXX XXXX XXXX XXXX, I talked to the Manufacture about the case and they told me the seller company should contact us all warranties work through the seller companies and I forwarded their email to the seller company and the seller company repeated the same answer " we can't do anything contact with the manufacture '' they said.And then I disputed this amount of purchase which is {$190.00} however Discover card found this charge valid despite i sent them all the needed documentations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: EQUIFAX, INC.
State: NJ
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:
Thus Company has failed to Validate thus Debt I have been sending Identity thief reports and numerous Validation letters for the last 65 days they failed to respond

Company response to consumer: Closed with explanation