BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-23
Company: BANK OF AMERICA, 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 deposit of {$1300.00} only {$200.00} was applied to the account, I called customer service about the {$1100.00} they told me the check clearing house was holding my funds until XX/XX/2019. When I checked the account the funds were dream from the funds had been released, I called BOA customer service they told me there was nothing they could do. Meanwhile three checks bounced fees were applied to those checks I called BOA customer service today the funds were there however the bank has consumed all my money with fees To resolved O would like for the bank to reverse the fees, apply to my account. Thus has caused a hardship, I am behind on my bills, can not do any transactions because their check clearing company hold funds for nine day while checks are declined and fees accumulate to benefit the bank

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 2021-04-24
Company: ORG GC GP Buyer, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My Identity was stolen a few years back and accounts have popped up from time to time. a XXXX XXXX XXXX  account and a couple of over accounts were opened and eventually defaulted on. GC collection services is refusing to work with me. 

Under 605b, You are required to provide a police report and FTC affidavit which I did.If that information is provided is must be deleted by XXXX and GC services. 

If you submit a copy of a police report to the CRA, the CRA must remove the identity theft info without any need for creditor review or concurrence. A police report is a sworn statement before a law enforcement agency, and thus has potential for action against the consumer for any knowingly false statements, and is the FCRA-approved manner of getting rid of fraud and identity theft accounts from your credit report. The dispute process is not usually the manner to deal with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Transunion, indicated there was a reinvestigation which signals an initial investigation was done. Results from that investigation were neither logged, rendered, nor provided to Mr. XXXX, in 30 days and or til date, despite Mr. XXXX repeated requests. Second, Mr. XXXX requested Transunion to provide the method of accuracy & verification used by Transunion pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Transunion remains non-compliance till date. Third, Mr. XXXX requested Transunion to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to Mr. XXXX XXXX, Transunion again went silent.

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 2020-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have a lot of transactions not showing up from places with gaps of money missing from those transaction even making a new account and and doing the same thing from the same place later was posted but not other ones before I dont see y that would happen? On the app and website bank pf america edd

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 2019-05-23
Company: Experian Information Solutions 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 had inquired about a camper from XXXXXXXX XXXX  of XXXX. I gave them permission to pull my credit. I was unaware and did NOT authorize them to send out credit pulls to the follow banks ; XXXX XXXX  XXXX on XX/XX/2019, XXXX XXXX onXX/XX/2019, XXXX XXXX XXXX onXX/XX/19, XXXXXXXX XXXX  on XX/XX/2019, XXXX XXXX onXX/XX/2019, XXXX on XX/XX/2019, and XXXX XXXX XXXX on XX/XX/2019. I now have all of these hard pulls against my credit that I did not authorize!

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 2019-05-23
Company: EQUIFAX, INC.
State: GA
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:
I spoke to XXXX XXXX XXXX XXXX and they confirmed that they would be removing these incorrect late fees ( XX/XX/2017 - XX/XX/2017 ). They said for me to dispute the payments with the credit agencies and when the agencies contacted them, they would confirm they could be deleted. I have disputed with the late fees withe agencies, however the agencies reported them as valid. They are not completely investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
The account isn't mine : XXXX XXXX Closed : XX/XX/2017 2017

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-10
Company: ALLY FINANCIAL INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They will not stop calling me and harassing me over an account which is not mine. They call me from different numbers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To Whom It May Concern : I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following " Personal Information. '' I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 10 years. My name is : XXXX XXXX Please delete any other variation. my current and only address is :XXXX XXXX XXXX, XXXX, OH XXXX Please remove the following addresses XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-02
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
To whom it may concern, I would like to file a complaint regarding an unfortunate issue I had with opening a priority checking account with Citi Bank. In XXXX, I received some promotional offers from Citi for opening a priority checking account. The terms on the offer states that if I maintain a balance of XXXX for 60 consecutive calendar days, I would receive a bonus of {$700.00}. I opened the account on XX/XX/XXXX and made the deposit of $ XXXX into the account on XX/XX/XXXX. 

As of XX/XX/XXXX, about 91 calendar days after the deposit, I haven't received the opening bonus so I called Citi Bank trying to resolve the issue. I was told by Citi Bank that I had to wait an additional 90 days after the 60 consecutive calendar days to get the opening bonus, which was not presented in the online offer. This took my by surprise that a requirement like this should be presented clearly to the new customers. This is not a good practice to attract new customers to open accounts with Citi Bank. 

Thanks for looking into this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: Experian Information Solutions Inc.
State: CA
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:
On about XX/XX/XXXX, I contacted XXXX XXXX to request that an authorized user be added to my account. During the request I was also offered a credit increase, without the need to generate a credit inquiry. Prior to accepting the offer, I confirmed that there was no need to do a credit inquiry ; the representative assured me that an inquiry would not be generated. 

A few weeks later XXXX XXXX sent me a letter, denying an application for an additional card ; the letter suggested that I could re-pursue the matter if I provided a pin to unfreeze my credit report. I the letters because I had no intent to allow them to generate an inquiry on my credit report ( as it would negatively affect my score ). 

Unfortunately a couple of months later, while applying for a home loan, I discovered that XXXX XXXX generated a 'hard ' inquiry without my consent. The inquiry has negatively affected my credit and score. I've contacted XXXX XXXX on several occasions was given misinformation each time. Each contact has been met with negative results. 

I've been an XXXX XXXX customer since XXXX, which I have 2 different accounts ; both accounts have always remained in good standing. Less than a year ago I added an authorized user to one of the accounts, without generating a credit inquiry. 

Additionally, I have credit cards from several other financial companies, i.e. XXXX and XXXX. I also added authorized users to my cards from each of the companies ; neither company sought the need to generate a hard inquiry. 

It is my understanding generating an inquiry on a consumer 's report without their consent, is a violation of the Fair Credit Reporting Act. Hopefully CFPB could contact XXXX XXXX and resolve this matter.

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 2018-10-27
Company: Experian Information Solutions Inc.
State: VA
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:
Car loan from XXXX XXXX XXXX. on XXXX XXXX to XXXX XXXX. 
Dispute with all three credit reporting agencies to investigate and update or remove the item from my credit report. XXXX nor the CRA can provide information that the car was repossessed in XXXX XXXX. Besides some late payments during XXXX, from XXXX to XX/XX/XXXX the loan is " Pay as Agreed '' and load was " Paid and Closed ''. Due to the inability to provide written documents with my signature showing that the car was repossessed, shows that the listed item is inaccurate and represents a error. 

I am requesting that all three of the CRAs remove this item from 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 2017-06-26
Company: CAINE & WEINER COMPANY, INC.
State: IA
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:
There are more inaccuracies than correct info. XXXX accounts are not even my name. My ex added me to multiple accounts and I 'm having a hard time getting rid of her info on my credit report. Also I 've had medical insurance since before the bill accrued

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: PMAB,LLC
State: NC
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:
Starting on XX/XX/XXXX - after reviewing a copy of my credit report I have been attempting to find out what some negative items on my credit report are. I sent a letter to the credit bureaus in XX/XX/XXXX asking for their assistance in verifying those items. Some items were addressed, some were not. No information was sent to me by this creditor. I sent another letter in XX/XX/XXXX to the credit bureaus asking for further verification as some items were still not answered - no response. I then sent the attached letter in XX/XX/XXXX directly to this creditor asking what this item is- I HAVE RECEIVED NOTHING. I have NO IDEA what this is based on the dollar amount. I have attempted to request this information THREE times now, and I have had enough. Within 30 days of reviewing my report I have spent the last almost SIX MONTHS attempting to get verification. This is a waste of my time, energy and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: North American Credit Services
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Starting on XX/XX/XXXX - after reviewing a copy of my credit report I have been attempting to find out what some negative items on my credit report are. I sent a letter to the credit bureaus in XX/XX/XXXX asking for their assistance in verifying those items. Some items were addressed, some were not. No information was sent to me by this creditor. I sent another letter in XX/XX/XXXX asking for further verification as some items we still not answered - no response. I then sent the attached letter in XX/XX/XXXX directly to this creditor asking what this item is - and their response to my request to VERIFY was that they have already sent me something to verify this and that they would not send me anything further. I have NO IDEA what this is based on the dollar amount or the name XXXX XXXX XXXX. I do n't recall receiving a statement or a bill from XXXX XXXX XXXX. Despite what this creditor is saying in their letter - I do n't know what this is and do not beleive that i have received anything in the mail from them AT ALL validating what this debt it. I have attempted to request this information THREE times now, and I have had enough. Wthin 30 days of reveiwing my report I have spent the last almost SIX MONTHS attempting to get verfication. This letter is the FIRST communication to my knowledge. this item has to validated. this is incredibly suspicoius. This is a waste of my time, energy and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: EQUIFAX, INC.
State: VA
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:
Car loan from XXXX XXXX XXXX. on XXXX XXXX to XXXX XXXX. 
Dispute with all three credit reporting agencies to investigate and update or remove the item from my credit report. XXXX nor the CRA can provide information that the car was repossessed in XXXX XXXX. Besides some late payments during XXXX, from XXXX to XX/XX/XXXX the loan is " Pay as Agreed '' and load was " Paid and Closed ''. Due to the inability to provide written documents with my signature showing that the car was repossessed, shows that the listed item is inaccurate and represents a error. 

I am requesting that all three of the CRAs remove this item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
After opening an account, I was charged a {$25.00} fee for 'delux check ' that I did not order nor did I know I would be charged for. In resolving this, the bank says it will take up to 10 business days to investigate, and that I should fund the account in order to avoid an overdraft fee. That fee would be on the account of an overdraft due to a problem they have created. 

Not only was I not told during account opening about this, there was no notification afterwards that I was charged. 

If I had not been checking in on my account for some other reason, I would've been ( a ) charged for a service I do not want and ( b ) charged for overdraft.

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 2017-06-30
Company: PMAB,LLC
State: NC
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:
Starting on XX/XX/XXXX - after reviewing a copy of my credit report I have been attempting to find out what some negative items on my credit report are. I sent a letter to the credit bureaus in XX/XX/XXXX asking for their assistance in verifying those items. Some items were addressed, some were not. No information was sent to me by this creditor. I sent another letter in XX/XX/XXXX to the credit bureaus asking for further verification as some items were still not answered - no response. I then sent the attached letter in May directly to this creditor asking what this item is- I HAVE RECEIVED NOTHING. I have NO IDEA what this is based on the dollar amount. I have attempted to request this information THREE times now, and I have had enough. Within 30 days of reviewing my report I have spent the last almost SIX MONTHS attempting to get verification. Furthermore this SAME account number is on my credit report TWICE. This is a waste of my time, energy and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: CNG FINANCIAL CORPORATION
State: CA
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:
Discovered a credit inquiry ( Axcess Financial Dated XX/XX/2018 ) 0n my credit report.I do not recognize this inquiry on my report.I would like any documents with my signature giving permission to run this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: Nationwide Debt Reduction Services, LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an official looking notice with an exterior label entitled " Credit Card Settlement ''. Inside this company implied that I had outstanding debt in collections and that I must contact them within 10 days to avoid an increase in debt due to interest and possibly fines. 

This is a high pressure and misleading notice, as I do not have any delinquent accounts. If this is not a prohibited advertising tactic, it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax is not doing an investigation that has anything to do with my complaint and they are denying me access to my credit report to the point where I can not even see my old dispute results. I answer everything correctly over and over again and then my access is blocked regardless! I reported the transaction that went unnoticed by me with XXXX as fraudulent and I initiated a fraud alert because the incriminating charges were not made by me and subsequently went unnoticed and when XXXX # XXXX reversed it all they forgot to reverse the revolving interest which threw my account to 30 day late from XX/XX/2014, which is fraud. it is NOT 30 days ; ate because it was A FRAUDULENT TRANSACTION! The same goes for the XXXX XXXX account # XXXX, it does not belong to me and was fraud! they can verify information until the world ends but these were FRAUDULENT and reported as such, so that makes it inaccurate and it makes EQUIFAX incompetent in their investigations and also incomplete! I have had no issues placing the fraud alerts and having these accounts removed with XXXX and XXXX, so why is Equifax giving me such problems!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
Debt collector has said that this account does not belong to them, but they are listing this debt, that is inaccurate reporting, according to FCRA information reported have to be 100 % accurate or should be removed from consumer credit file, also company has not provided a contractual agreement showing that they have the right to collect these debts. 
There for this should be removed from my credit file. 
Thank you.

Company response to consumer: Closed with non-monetary relief