BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-16
Company: CITIBANK, N.A.
State: ME
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 customer service

Complaint:
XXXX sold my XXXX XXXX credit card account to Citibank around XX/XX/2018. I tried to log into the old XXXX account to get credit card statements from XX/XX/2018 - XX/XX/2018. They are not available anymore. I logged into the new account with Citibank and they are unable to provide statements from previous months when the account was owned by XXXX. I called Citibank on XX/XX/XXXX and requested statements. They informed me they had to request them from XXXX and this would take 7-10 days, I never received anything. I called on XX/XX/XXXX and requested them again and was advised it would be an additional 7 to 10 days, I never received them. I called Citibank on XX/XX/XXXX and was told to call XXXX. I called XXXX and they said Citibank has a procedure they have to follow to request statements. I advised that they had requested them twice and have not received them. XXXX told me to call Citibank and tell the to request the statements. I called XX/XX/XXXX and spent the better part of 3 hours on the phone with XXXX and Citibank simultaneously each stating the other is responsible to get the statements to me. Citibank advised XXXX that they did not receive old statements that they have to request them and XXXX said they don't have them anymore. Citibank told XXXX they were required to keep the statement for 7 years. XXXX told Citibank that they would have to request the statements. Citibank advised they had twice and still haven't received them. Once Citibank receives them, they can then forward to me. Citibank called me back on XX/XX/XXXX and said someone was looking into this problem but it would probably be another 8 weeks. In this day and age I'm pretty sure someone could push a button and get me copies of old statements. I have two separate accounts with XXXX. XXXX and this is happening on both accounts. I have requested and have not received statements yet they want me to continue to pay my bill. The second account we have is in my husbands name, however, there is only space for one credit card number on this complaint. I have listed him as an additional card holder. If you need his card number please let me know and I can forward it to you. I was trying to only do one compliant instead of two, one for each 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 non-monetary relief
Consumer complaint received 2022-01-11
Company: Shellpoint Partners, LLC
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I made a {$2200.00} regular payment plus an additional principal payment to Shellpoint mortgage servicing ( check # XXXX mailed XX/XX/XXXX ) and they have once again incorrectly applied my payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: MI
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 was contacted by phone by XXXX XXXX ( XXXX XXXX, XXXX ), who said I was looking for auto insurance for a XXXX XXXX online. I was not looking for auto insurance information, and I do not own a vehicle corresponding to that information. They stated my information was provided to them by a company called XXXX XXXX, whom I have never contacted or otherwise authorized to distribute my personal information. 

I am concerned, as I have previously been the victim of financial fraud after Equifax breaches. 

I pulled my free annual credit reports, and found that today unauthorized Soft Pulls were made for my information through Equifax ( XX/XX/XXXX ) by the following insurance agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of inquiry XX/XX/XXXX I have placed freezes on my accounts in the past, and asked all the agencies to put blocks on providing my information for promotional purposes. Despite asking for my information to not be used for promotional purposes, XXXX continues to distribute my personal information to XXXX Interactive on a regular basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: WELLS FARGO & COMPANY
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a Wells Fargo Active Cash card I applied for in XXXX. To start, the credit limit they gave me was insulting. My most recent issue has to do with a payment I made. I made a payment on XX/XX/2022, which posted to my account online and was taken from my checking account on XX/XX/2022. My card was declined at a grocery store today, XX/XX/2022, but when I left the grocery store the charge was sent to me from Wells Fargo 4 times. I called Wells Fargo and they told me I could not use the card because I reach my limit. They said that my account payment was on hold for XXXX weeks to ensure that the funds are legitimate. I have use this same checking account to pay off my card before, they already have taken the funds out of my checking account 2 days ago, and they also posted the funds as if they cleared to my card on my online banking. How can a credit card company take my funds from my checking account and not post them/hold them on their end when theyve already taken the money? I am not sure how to move forward with this, but this is completely unacceptable and in my eyes fraudulent. If I made my payment and they took the money, it should be applied to my account on the date the money with withdrawn from my checking.

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 2022-12-13
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-05-20
Company: Experian Information Solutions Inc.
State: AZ
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 the following accounts have violated my rights : XXXX  Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX  Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX  Acct # XXXX XXXX  XXXX Acct # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX  Acct # XXXX, XXXX, XXXX XXXX XXXX Acct # XXXX XXXX  Acct # XXXX 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 2022-09-09
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
DISCOVER BANK Remains The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. I am a victim of identity theft and have sent documents proving that to this company since learning about this account. Most recently I have also advised all three bureaus to freeze my reports. the debt they are seeking to collect from me does not belong to me I would like it verified and the method of verification and all actions taken on my report sent to me. They have called me requesting that I send them a copy of my SS card. Remove this from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: Commonwealth Financial Systems, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have had a collection placed on my credit report that I have never been contacted about and have no knowledge of. I've requested written proof of the debt and have received nothing or any explanation of how any debt was incurred. I've disputed with credit bureaus one of which has already removed. XXXX   however has not removed the false information with no reasonable explanation. details include : COMMONWEALTH FINANCIAL SYSTEMS XXXX Account Number Collection Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$1200.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$1200.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$1200.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount Contact Info ( XXXX ) XXXX XXXX XXXX, XXXX XXXX, PA XXXX They are required by law to provide written proof of said debt. They won't provide any information and simply ask for money that I do not owe.. This account is stated to be from emergency room doctors I HAVE NOT BEEN IN AN EMERGENCY ROOM IN MORE THAN 10 YEARS!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Lockhart, Morris & Montgomery Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Netspend Corporation
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My complaint is against XXXX/Netspend for not depositing my payroll check. My check was suppose to be deposited into my bank account last night ( XX/XX/XXXX ) and I have not received anything! XXXX has a recording stating that the issue is ACH but have no estimated time of when the issue will be fixed. I have been on hold with Netspend for over an hr and a half! No one has any answers! It is scary that someone can just take my paycheck like that. I have small children, no money, no one to get money from, my electricty is scheduled to come out today and if I dont pay it, it will go off! I work from home and i need my electricty to operate. This is beyond ridiculous and illegal. After reading multiple reviews online, people have been waiting for their deposits since last Wednesday! We have not received any notice about anything. How am I suppose to do anything without any money? NETSPEND & XXXX ARE THIEVES!!!!!!

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 2023-04-02
Company: Bread Financial Holdings, Inc.
State: MO
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:
We have an account with the Comenity Card Company. 

There is only one transaction every month that is a recurring {$9.00} for XXXX XXXX. 

The statement date is the XXXX of every month and is due on the XXXX. The payment of {$9.00} goes out on the XXXX of every month and is cleared electronically by the XXXX or XXXX. Prior to the due date There was an issue in XXXX where they were having issues processing the amount paid every month that was charging late fees and interest. It was cleared up until XXXX. Spoke with a XXXX about the late fees and interest charged. He agreed with what was said and reversed all the late fees and interest charges to bring the balance to {$0.00}. I asked if there was anything owed for the next billing cycle in XXXX and the answer was " No ''. So, I only owe the {$9.00}? XXXX confirmed the answer was yes. 

Come time for XXXX, the bill came in around {$10.00} or so ( can not remember the correct amount ). Could not call and deal as my wife was having medical issues. 

So, got the new statement for XXXX and shows Late fees of {$40.00} plus interest and says we ow {$46.00}. I spoke with XXXX from Comenity on XX/XX/XXXX around XXXX XXXX  XXXX and understood the issue, but needed a supervisor to assist with the confirmation of the fees. I got on with XXXX and explained the situation and he said that the fees are accurate and nothing can be done. They lied to me on the call. I should not have to pay the price for the mismanagement. Since the daily interest was running, we would owe that amount. I said, you have been receiving the {$9.00} payment every month on time, they made the mistake last month but kept the interest running. Then to charge late fees on top of that. 

He could not even tell me how much it would be if I paid out of account. based on when it would be received. 

To me, this is thievery from a company. I have worked with many companies and never have this issue with ANY of them. They are taking {$40.00} more money from me than I should have to pay. 

What can be done?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 went to a car dealership to get a car, I told them I want to finance through XXXX XXXX XXXX, they told me they would only apply for finance with XXXX XXXX XXXX and instead I ended up with all these hard inquiries below that I did not consent to. Upon reviewing my credit reports I noticed incorrect addresses, phone numbers and unauthorized inquiries. 

XXXXXXXX XXXX XXXXXXXX ( transunion ) XXXX XXXX XXXX ( transunion ) XXXX XXXX XXXX XXXX transunion ) Bank XXXX XXXX XXXX XXXX ) XXXX of 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 2022-09-09
Company: EQUIFAX, INC.
State: NJ
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:
Upon checking my XXXX, XXXX, XXXX reports I found inaccurate and unauthorized inquiries. I have sent out dispute letters to aforementioned bureaus for them to investigate and have deleted. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I own property in Florida that Bank of America is the lender on. This property is subject to an insurance requirement and I did have insurance on the property until I filed a demolition permit and had all of the structures demolished in XXXX. I canceled the property insurance because you insurance buildings, not dirt. 

I started to receive letters from BofA about the insurance and I informed them, through the XXXX number in XXXX XXXX, that I removed these structures and the property is, therefore, not subject to insurance. They promised to review the account with the documentation I provided, the demolition permit with address and parcel information for the property in XXXX County, FL. 

More letters arrived and I have called them a total of 8 separate times, each with a 30 minute hold time, only to have the same discussion with the same promise. What is alarming is that despite emailing them the information and uploading to their " XXXX '' website, the documents never seem to make it to my account. 

The last letter, which I diligently followed up with by phone yesterday on, threatened to buy insurance on my behalf and charge me for it. I really don't believe that BofA has any intention of recognizing the facts on the ground, supported by government-issued documentation, that no buildings exist on this property. The agent advised me that it is necessary for me to get a letter from FEMA that the property is no longer subject to insurance requirements. I did contact FEMA, this is their response. 

" NFIP Flood insurance is only available for buildings, not for empty land. The lender should understand that part of their requirement. If not, please share the policy with them - https : //www.fema.gov/sites/default/files/2020-05/fim_appendix-a-policy_apr2020.pdf, " I need help. BofA is a massive bank and they clearly have a customer support organization that is structured to stall and frustrate customers.

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 2021-04-09
Company: EQUIFAX, INC.
State: MD
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:
Subject to XXXX XXXX scheme by ex-husband, his wife and and others he associates with. 

Cell phone is ported and communication is restricted. 

Identity theft Attached fraudulent emails ; noticed duplicate texts and emails. 

Utilizing dark web account to keep auto/property policy in effect and intend to profit from life insurance policy. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Upon checking my XXXX, Transunion, XXXX reports I found inaccurate and unauthorized inquiries. I have sent out dispute letters to aforementioned bureaus for them to investigate and have deleted. Please advise.

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 2023-03-02
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing this letter to dispute the accuracy of the following accounts that appear on my credit report. I believe these accounts are in violation of the following laws : FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, FCBA. 

The following accounts are inaccurately reported on my credit report : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I request that you investigate these accounts and remove them from my credit report if they are found to be inaccurate. I have attached supporting documentation for your reference. 

These inaccurate accounts have caused me significant emotional distress and financial hardship. I urge you to take swift action to rectify this situation and remove these accounts from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Experian Information Solutions 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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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