BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
For around 17 months I've been dealing with bank of america after they closed my account they can't seem to get anything right sending my remaining fund to me in a form of a check they sent to the wrong address once and got still can't get anyone to get anything my second time writing a compliment to them the first was no help at all some lady from boa name XXXX XXXX gave me the runaround tells me to sign some papers take to the bank and get it notarized first I have no way of printing this papers I have no i.d but a Pic of it on my phone let alone gave transportation to get there by the time I finally made it there the banker had no clue what I was talking about the XXXX the XXXXfrpm boa tells me I'm too late I just want my check sent to me get this all behind me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
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:
My information was used by someone who stole my identity to get credit accounts on my name, and not pay and they debts ended up in my account in collection unpaid and I'm left on the hook. my name ruined i can barely qualify for credit or better interest rate. 
this report is me trying to fix all the harm done to me my my life my good name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: TRANSWORLD SYSTEMS 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: Account status incorrect

Complaint:
I was informed of my credit score going down almost XXXX points during the loan and closing process for a new house by the lending company. They informed me that there was a new item on my credit report where an {$81.00} unpaid final bill from XXXX XXXX from XX/XX/XXXX was sent to collections ( TransWorld Systems ) in XX/XX/XXXX. I was never notified of the charge from XXXX XXXX. I was never notified that the charge was being sent to collections from XXXX XXXX. I was never notified that the charge was in collections by TransWorld Systems. 

I called XXXX XXXX the day i found out and I paid the balance directly with XXXX XXXX over the phone then contacted Trans World System regarding my credit report. I had XXXX XXXX to look up my ENTIRE payment history to show I had NEVER had a late payment and NEVER had a missing payment the entire time I had service with them. 

Trans World Systems informed me that they do not submit or process credit deletions and would need proof of payment from XXXX XXXX which should process in their system in anywhere from 24 hours to multiple weeks. Once TransWorld Systems confirms the payment they can then send the information to the credit bureaus to inform them that the bill/collection has been paid. I do not know how long this will take, but it could be at least 30+ days. TransWorld Systems will not have the item removed from my credit report, but instead will only note that it has been paid. 

If i was informed or aware of the bill/charge i would have paid it immediately. 

I am requesting that the credit report entry be deleted from my credit report and my credit rating returned to normal by XX/XX/XXXX as I am closing on a new home at the beginning of the year and this will negatively impact my interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to you to block the following listed items from my report immediately which are not authorized by me. I became a victim of IDENTITY THEFT a couple of years ago. I have noticed that many items appeared in my report which was never opened by me. You are reporting Inaccurate, incomplete, or unverifiable accounts. 
I am listing all the items below which are needed to be removed according to the Identity Theft reason or according to my request and reason attached with every account : Please investigate these matters and remove the disputed items as soon as possible.

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 2023-09-26
Company: REGIONS FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I received an Comdata " debit '' card from XXXX XXXX This card was provided to me for donating XXXX. They advised me that there are ways to withdraw funds without fees and inside the envelope was a " list of all fees '' paper. This list is on the other side of the welcome sheet where the debit card is glued. I got this card because times are hard and donating was a way to help. The List Fee list " Bank teller withdrawal ( for banks participation in the XXXX XXXX ) '' as the ONLY was to avoid fees when withdrawing funds. I went to XXXX Bank on XX/XX/23 to withdraw {$200.00} for the last two donations. The teller at XXXX advised me that the transaction was declined. I currently have a {$200.00} balance on that card. I then called the customer service number listed on the card, XXXX, and asked where I can withdraw funds without fees. She told me that I can not avoid ATM fees. I explained to her the list fee sheet and read the relevant part verbatim and asked if that was a lie. She told me, " I am sorry, but yes. It is a lie ''. Anytime I withdraw funds, I am subject to Comdata charge of {$1.00} plus whatever the ATM 's owner charges, per withdrawal. I received this card and pamphlet six ( 6 ) days ago on XX/XX/23. The information that comes along with the card, should be accurate and current. I also believe that there should be ways for consumers to use their debit card, without having fees withdrawn, just to access their money. During the call with the customer service agent, she told me that I can go to a Regions Bank and avoid fees. That bank is located in Texas, and I am in XXXX. Comdata/XXXX  fees of {$1.00}, plus the ATM 's owner fee ranging from {$2.00} to {$3.00} per withdrawal is unreasonable. ComdataXXXX is also making it difficult to transfer the funds I have on their card, to my personal 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 explanation
Consumer complaint received 2023-05-23
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is attempting to collect a debt that I do not owe. I took out a loan at XXXX XXXX  and decided to not go through with the procedure. I emailed XXXX XXXX and received a email, confirming that the loan was canceled.

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 2023-08-14
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Navy Federal is reporting my Experience ( utilization ) and transaction ( account balance ) with their company to the Credit reporting Agency, XXXX. I feel like this is a violation of my rights as a consumer. My personal information is exposed to anticipated threats or hazards. when I applied for a car, a print out of my consumer report was furnished, I was not given that report and don't know what was done with it. My account balances were on that report. it could have been miss handled. my account balance has been used to verify my identity when speaking to a company regarding my personal account information. this is personal information that should not be included on my consumer report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Experian Information Solutions Inc.
State: IL
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:
Ive disputed a US BKPT CT IL XXXX Reference number XXXX with the credit bureaus Experian, XXXX, and XXXX -Which two of them ( EXPERIAN AND XXXX XXXX confirmed the public record was verified by the court. I asked Experian and XXXX to disclose their method of verification on the alleged bankruptcy they are reporting. They replied to me with the bankruptcy being verified. I then reached out to the courthouse and their correspondence to my letter was that they do not verify or validate information from consumers ' credit files. 

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 2023-09-27
Company: CITIBANK, N.A.
State: CT
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Initially I was denied faster than a New York minute, which leaves me wondering and suspicious. Now it seems like its too fast even for them, because Im getting these emails from them encouraging me to finish my application.

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 2023-02-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails i am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy.

I did not give consent to these accounts.

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 


DELETE THESE ACCOUNTS :

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 2022-01-17
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received an on-line promotional offer from Synchrony Bank on XX/XX/2021. The promotion was for a MasterCard that offered 2 % cash back, as well as a {$100.00} bonus for spending {$1000.00} within the first 3 months. I applied and was approved for the card the same day. The promotional offer was confirmed on paper to which the card itself was physically attached. By XXXX XXXX I had fulfilled the requirement for spending {$1000.00}. However, despite repeated inquiries and requests, the promotional offer was never honored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX XXXX XXXX and I am a victim of Identity Theft. Someone stole my personal information and opened the following fraudulent accounts in my name. I reported it to the credit bureaus and I was waiting for a full police report. Once I received the response the credit bureaus had already closed out my dispute. I ask the the following fraudulent accts. be removed from my credit file : XXXX XXXX OPENED  : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX THE FOLLOWING INQUIRIES WERE ALSO FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXI Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX INCLUDING THE INQUIRIES ON MY POLICE 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 2021-12-16
Company: Experian Information Solutions 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:
I am writing to you to block the following listed items from my report immediately which are not authorized by me. I became a victim of IDENTITY THEFT a couple of years ago. I have noticed that many items appeared in my report which was never opened by me. You are reporting Inaccurate, incomplete, or unverifiable accounts. 
I am listing all the items below which are needed to be removed according to the Identity Theft reason or according to my request and reason attached with every account : Please investigate these matters and remove the disputed items as soon as possible.

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 2019-12-23
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There were unauthorized charges on authorized users card that should not have went through in excess of the 20k spending. I contacted American Express while the charges were pending. A representative of American Express informed me the charges would not go through due to the spending limit. American Express allowed another 20k+ to go through. When I called back they kept stating a manager would call me back and a manager never did after numerous requests. Amex pushed my account into default and refused to review the account to reach the correct outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
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: Account information incorrect

Complaint:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX DOB : XX/XX/XXXX ACCOUNT : XXXX Closed Account number XXXX I have always maintained that I had paid this account and then only then they started charging late fees, but I wanted this account off of my Experian credit report so when I received the settlement offer I took it. 
Looking at my Experian credit report now, there are discrepancies : the charge off 's that you could find up to XX/XX/XXXX have been removed. 
The Fair Credit Reporting says that information on a credit report has to be " timely, verifiable and accurate ''. 
They changed the data, what they did was they created false data saying that they hadn't reported for 18 months and only report one CO in XX/XX/XXXX so they made it inaccurate .incomplete and is no longer fair. 
This account should be deleted from my credit report. 







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 2023-08-13
Company: NATIONS DIRECT MORTGAGE, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX ACH payment sent by WI Help for Homeowners in the amount of {$12000.00}. This was the amount to reinstate my mortgage. 

XXXX XXXX Mortgage processed my payment on XX/XX/XXXX. This would make my account late for XXXX since it was after the XXXX of XXXX causing my credit score further damage and accumulating further late charges and fees. 

XX/XX/XXXX, my mortgage is still not reinstated and is not found on my online account to make payments and manage my escrow account. Phone conversation with XXXX XXXX XXXX, I made a full mortgage payment over the phone and charged {$10.00} for this. Was told my account would be cleared up by XX/XX/XXXX, so I could access my account online. They claim it takes 30 days to clear the account and reinstate the mortgage from XX/XX/XXXX. 

I have an attorney that is accruing fees and charges because of all the time she has with communication with the attorney at XXXX and XXXX which was hired by XXXX XXXX Mortgage. 

I applied for assistance with my mortgage back in XX/XX/2023 after my XXXX XXXX and finding out I would not be able to work for 6 months. I was never given a chance for help, the loss mitigation packet was sent numerous times and wanted different documents every time, some of which I couldnt provide. 

Now it is XX/XX/XXXX and I still do not have any access to my mortgage account and my credit report is stating that XXXX and XXXX payments were late. This account has been paid in XXXX to XX/XX/XXXX. Now XXXX going to have to pay {$10.00} fee to pay over the phone again since I can not access my account. I still am receiving court documents for appearance in XXXX that were filed on XX/XX/2023 when the account was current.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX XXXX XXXX and I am a victim of Identity Theft. Someone stole my personal information and opened the following fraudulent accounts in my name. I reported it to the credit bureaus and I was waiting for a full police report.. Once I received the response the credit bureaus had already closed out my dispute. I provided them with an ID Theft report also that I would like them to include. I ask the the following fraudulent accts. be removed from my credit file : XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX   XXXX OPENED : XX/XX/XXXX XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX THE FOLLOWING INQUIRIES WERE ALSO FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX   Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX   XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX   XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX   Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Also the inquiries on my Police 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