BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I was taken advantage of due to malpractice while several laws were being broken under the FRCA by your company. This has caused me financial injury and defamation of character. I can not get a job, buy a house or apply for any credit. This has hurt my ability to obtain credit.

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 2023-08-16
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:
In accordance with the Fair Credit act XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor many not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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. The letters are stated with items and issues. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the
information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
PNC sent me a flyer advertising that if I opened a new checking account and made direct deposits, they would give a {$500.00} new-account bonus. I opened the account and made the direct deposits. I chatted with representatives on more than one occasion, and they told me the direct deposits qualified me for the bonus. 

After several months, no bonus was paid. After chatting again, I was told they couldn't find the {$500.00} bonus promotion, but they had a {$300.00} bonus promotion, and I still qualified. After another couple months with no bonus, I chatted with PNC to find out what happened, and they tell me I don't qualify for the bonus because I didn't have the right kind of direct deposit. 

This is infuriating. I could have made other direct deposits if they told me previously that my direct deposit was not the right type. I asked EXPLICITLY about this, and the entire conversation was documented in their customer-service chat logs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I am filing a complaint against procollect Incorporated collection agency that is reporting false information on my credit report and I have a paid in full letter from them and they say that I still owe them money and this was supposed to be removed off my credit report and its been pass seven yrs an they still have this on my credit report and keep updating, like I still owe them. This was supposed to have been removed and they keep calling me harassing me about payment. I have to hem to stop calling me I have a proof of letter from them and It was XXXX XXXX  XXXX  who hired this company to collect a debt the letter states I have XXXX debt with them but they still putting false information on my credit report and pulling my credit score down.

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 2023-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am looking for a new job as a software engineer. A company contacted me, I interviewed and they said I got the job. Then they sent me a check of {$3800.00} to spend on a XXXX and printer and other home office supplies. It turned out to be a scam and on XX/XX/XXXX my account was closed. I had a meeting yesterday XX/XX/XXXX with my BofA and they said my account was closed due to risk. I asked can I open a new one with them and they said I cant due to my social security is on file as risk. Please help me I dont know what to do. Ive been with BofA for 16 years. Im getting a job soon and I need a an account to do direct deposit please someone help 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 non-monetary relief
Consumer complaint received 2020-01-09
Company: CITIBANK, N.A.
State: IL
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 rewards from credit card

Complaint:
In XX/XX/2018, I contacted Citi to request a " product change '' from their Citi Thank You Preferred card to their Citi Double Cash card. After the call center representative completed the product change request, she notified me that I had 60 days in which to redeem XXXX Citi Thank You points, otherwise they would expire. I then proceeded to the website for the Citi Thank You points program : www.thankyou.com in order to redeem said points. Immediately upon login, I noticed a bright, attention-grabbing banner across the page that communicated a message to the effect of, " Notice : You have XXXX Thank You points expiring in 60 days. '' This written message gave me the confidence that the call center representative correctly stated that the amount of points expiring in 60 days was XXXX. Because Citi requires points to be transferred in 1,000 point increments, I then proceeded to transfer XXXX points out of the program in order to prevent their expiration. However, 60 days later, I noticed that my total Thank You points balanced had dropped by more than 120,000 ( beyond the XXXX I transferred out ) without any notification whatsoever. The only reason I immediately discovered it is because I was alerted to it by a third party point monitoring service I use ( XXXX ). I have since opened three separate and distinct research cases with Citi to restore the points they have removed due to Bank Error, however, each and every time they close the case stating that expired points can not be restored.

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 2023-10-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I tried making my first XXXX withdraw requests from Citizens online bank totaling {$6000.00} split between XXXX of my savings accounts. These funds were to be deposited back to the same bank account where the money originated using XXXX, but they were almost immediately denied, and all my accounts became frozen. In the time since, I have called customer service numerous times and even spoken to their managers, but they have each given me no useful information nor a timeline of when my funds would be made available again. They would not even allow me to close my frozen accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: I.C. System, Inc.
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX sent an account to collections which has been attached to my credit in error as it is not my account. The account was sent to IC System for collection and currently has a balance of {$1300.00}. I spoke to IC System on XX/XX/2022 and they provided me with the XXXX account number, the name and spelling of the customer, the service address and the service dates. They told me that I needed to file a fraud report with XXXX XXXX. I do not believe that this is fraud because the agent I spoke to at XXXX XXXX on XX/XX/2022 said that there was no social security number used to open the account they are attempting to collect on. The name on the account that they are trying to collect on is pronounced the same as my first and maiden last name. However, the spelling of both the first and last name of that individual are different from mine. The service address is in a state which I have never lived. Now I am being burdened with filing a police report and getting a fraud report notarized in order to have this removed from my credit. It seems that they randomly selected someone with a similar name to collect the debt from. I was never contacted in an attempt to collect on the debt. I was only made aware when I received an alert from my credit card company.

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 2023-08-16
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:
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.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX XXXX -Opened on XXXX XXXX I called the company and the credit bureaus, and explained to them that I was a victim of identity theft. My roommate stole my information and presented to be me and got multiple credit cards in my name without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
Bank of America reversed a fraud claim - at my direction. The charge was re-instituted on my credit card, and I paid the approximately $ 2,500- {$3000.00} fee. Bank of America recognizes that I have paid said fee. 

However, pursuant to my conversations with the merchant, Bank of America apparently did not repay the Funds to the merchant. The merchant is threatening to send the balance to collections if I dont pay the due sum ( which I already have ). Bank of America has been contacted multiple times and has refused to resolve the issue, despite months of phone calls/complaints/etc ... 

At this time I consider Bank of America as having stolen the balance of this $ 2,500- {$3000.00} amount from me personally, and consider that they are refusing to resolve the problem. I have spent over 6 months trying to resolve this issue, and tens of hours on the phone of my time, yet Bank of America has done nothing but make false promises and transfer me from department to department.

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 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. XXXX {$2000.00} XXXX {$360.00} XXXX {$140.00} XXXX {$860.00}

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 2023-10-28
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
For some back story, when on vacation in XXXX in XX/XX/, I was XXXX and had my phone stolen. Because I was under the XXXX XXXX XXXX XXXX they gave me, they had full access to my phone and all of the banking apps, and cards connected to XXXX XXXX. Along with taking Cryptocurrency ( long gone ) and transferring money via XXXX XXXX ( also long gone ), they made {$360.00} in purchases on my Navy Federal Debit Card via XXXXXXXX XXXX. They purchased XXXX gift cards, XXXX gift cards, and more before Navy Federal shut down my card for Fraudulent Activity. They also froze my Checkings Account for fraudulent activity. They did both of theses on their own before I reported the fraud myself. 

The next day I called Navy Federal and told them the full story and submitted a fraud claim over the phone. After about a month they denied my claim stating it wasn't fraud ( despite them freezing my card and account for fraud before I even told them to ). I appealed the denial and answered in detail all of their questions as well as provided screenshots of emailed receipts of all the fraudulent activity not only with my Navy Federal account, but my other banking institutions as well ( XXXX, XXXX XXXX, XXXX, etc ). They denied the claim once again, this time only saying " no pertinent information was provided. '' I have been a member with Navy Federal for 5+ years and for them to insinuate that I'm fraudulently submitting this claim for a mere {$360.00} is disappointing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
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:
I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 2ND '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am currently a Chase account number with a college account through my fathers account at some .6 months ago a fraudulent purchase was made on his account they did not notify us of this fraudulent purchase instead they told us six months later that we all need to do accounts we were all worried because we have direct deposit payments which are the Deposited once every two weeks they told us that the accounts would remain open for 10 days the accounts have have remained open from XXXX until now XX/XX/XXXX and response we have all continue to make payments as we previously have with our debit cards chase which has not allowed these payments to go through due to the fact that the debit card was attached to the old Account we have all been into the branch now at least five times and we have still not resulted in having these accounts which have no money in them closed in response multiple companies have not been able to be paid and are now are telling us that we owe them money that obviously we had tried to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX {$1100.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$580.00} XX/XX/XXXX {$2500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$800.00} XX/XX/XXXX {$300.00} Wells Fargo said theyre looking into it and in 10 business days they should have my money back is what I was told by XXXX on the phone a representative he said Ill have my money back guaranteed.

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 2023-08-16
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: Account information incorrect

Complaint:
Hi there I sent a dispute out to Equifax round about XXXX pointing out an unlawful Late Payments that were reported by XXXX they are stating that I missed XXXX Months of payments one in XXXX, and XXXX, first off LATE PAYMENTS are illegal to report United States Code 15 1681A ( 2 ) ( i ) says consumer report does not include-report containing information solely as transactions or experiences between the consumer and the person making the report which is me and XXXX, secondly I attached copies of my bank statement showing that they received and accepted payment on the true month my bill was due which I will attach here too which makes them inaccurately reporting info which is not 100 % correct on my consumer report, I havent heard from them and when I checked my Equifax account its saying no disputes in progress maybe you can get to the bottom of this for me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/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 2023-08-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act and XXXX Account # 1. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Inquires From 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 ALL has voilated 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 also states a consumer reporting agency can not furnish a account without my written instructions. 

I DEMAND THAT ALL ITEMS BE REMOVED EFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREDIT REPORT DAMAGING MY LIFE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX ) 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