BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-29
Company: CITIBANK, N.A.
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:
I didnt not apply for XXXX XXXX XXXX account Im seeing three accounts with one single application on my credit reports and one is open with {$980.00} balance and another one is closed due to lost and stolen card and last one which is {$1200.00} closed with past due. With XXXX and three accounts with XXXX Im asking for these duplicates accounts to be remove off my credit bureaus this is a fraudulent 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 non-monetary relief
Consumer complaint received 2020-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I issued a check from my community bank, XXXX XXXX, to XXXX XXXX, check number XXXX in the amount of {$55.00}. XXXX  is a fairly new community bank and I have heard that some of the larger banks, namely XXXX and Bank of America were not recognizing their payments or checks. In this case, XXXX called me to tell me that Bank of America rejected my check payment. I verified that my account had sufficient funds, in this case, many multiples over the amount of my check and then with XXXX  that the check was not presented for payment. It is clear that Bank of America 's antiquated systems are not being updated for newer community banks and they mistakenly rejected my payment. They caused me unnecessary time and embarrassment by rejecting my check payment to my vendor.

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 2023-06-27
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:
Despite my numerous attempts to rectify this issue through previous letters, I have not received a satisfactory response, hence the need for this formal complaint.Firstly, I would like to emphasize that I have not authorized the sharing of my credit report with any third party or entity. However, it has come to my attention that my credit report has been utilized without my consent, potentially compromising my personal information and financial security. This unauthorized sharing of my credit report is a violation of my privacy rights and undermines the trust I have placed in your organization. 

Secondly, I have noticed the presence of credit inquiries from unknown sources on my credit report. These inquiries were not initiated by me, nor do I have any knowledge or association with the entities responsible for these inquiries. These unauthorized credit inquiries are not only misleading but also negatively impact my creditworthiness and financial standing. 
I must express my disappointment with the lack of action taken by your organization in response to my previous letters regarding this matter. I have made multiple attempts to address the issues, providing detailed information and requesting appropriate rectification, but to no avail. It is disheartening that my concerns have been disregarded, leaving me in a vulnerable position.

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 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 hope this letter finds you well. I am writing to formally dispute and request the correction of inaccurate late payment reporting on my credit report. After a thorough review of my credit history, I have identified discrepancies that require your urgent attention. 
The late payments in question pertain to the following accounts : XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history XXXX XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history I am confident that there is an error in the reporting of these late payments, as I have diligently maintained timely payments on these accounts.

I am aware of my rights under the Fair Credit Reporting Act, and I trust that you will handle this matter with the urgency and diligence it requires. The inaccurate reporting of late payments has a significant impact on my credit score and financial standing, and I am eager to see a prompt resolution to this dispute.

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 2023-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a ING Direct savings account around XXXX. At the time it maintained one of the highest interest rates available for a savings account. This account was transferred to Capital One around XXXX and became a Capital One 360 Savings account. Capital One has upheld INGs reputation of competitive interest rates since then. I checked its interest rate today and found it is 0.3 %. Capital One has a Performance Savings account which lists a 3.4 % interest rate on its website. This account appears to differ only in name from my savings account. This feels like a bait and switch. Capital One indicates they no longer offer the type of account I hold. At no point has Capital One ever communicating they were changing the status of my account, or that they were changing their account names to offer more interest elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
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: Their investigation did not fix an error on your report

Complaint:
I am submitting this complaint against TransUnion as a result of their investigation into a dispute that I submitted against collection agency XXXX XXXX XXXX. I submitted a dispute on the basis of the company no longer owning the account but still reporting to the bureau in XX/XX/XXXX. XXXX XXXX informed me that the debt had been sold to another agency. TransUnion response to my dispute was that the debt was validated and updated the account by re-aging the debt which impacted my credit score. This response to my dispute should not have been updated as if it were a new account. 
TransUnion has not fully investigated my numerous disputes against this company and has only just updated the account as paid on XX/XX/20 after I provided a bank statement showing the account was paid. TransUnion has not addressed my multiple complaints that XXXX no longer owns the debt and should not be reporting on this account to the bureau. The payment was made to another company and not XXXX XXXX. This is a violation of the FCRA for both the re-aging of the debt as well as allowing XXXX to report on a Debt that they no longer own.

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 2021-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
XXXXXXXX XXXX XXXX hasnt validated the so call debt with supporting documentation after multiple attempts. Dispute the debt through transunion and nothing has changed.

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 2022-01-29
Company: U.S. BANCORP
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was managing partner of a medical practice that closed XXXX XXXX. We had a contract for a copier signed in XXXX of XXXX. My secretary notified US BANK of our practice closure date by phone. The copier was disconnected and moved to a different room in building after we closed. One of my partners made several calls requesting a final bill and pickup of the copier. We received a default bill in XXXX. Two certified mail letters were sent, one in XXXX, and one in XXXX. I received two letters back claiming they had unsuccessfully tried to contact me. I tried multiple times to contact the person that sent the letters and got voicemail only. I left messages to call my cell phone. I never received a call. I paid everything owed mid XXXX and sent certified letter with check requesting our relationship be finalized. The contract states they need 90 days written notice, or I can return copier, or I can purchase it. Have no idea how to " return a copier '' the size of the one we had and can't get a call returned to find out how. My retired partner recently sent me a XX/XX/XXXX bill he received for over {$1100.00} in charges for use of copier, late fees, and damage fees. 
I really do not believe anyone at US BANK was or is interested is resolving this issue. 
I am out of ideas. This all seems very unethical to me. I would appreciate any assistance you can provide.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
My name is : XXXX XXXX. I am one of costumers of Bank of America. I sent wir transfer money from my I account that have bank of America, down town branch located in XXXX MN. to account of my nephew at XXXX XXXX in XXXX. That was supposed to reach my nephew and my sister his mother in 24 hours. the date was XX/XX/2019. But, up to now the money was delivered to people that I sent to. After, ten days my branch bankers told me they will send message to bank in XXXX to return the money. Again up to now money was not returned to me. The only option is to give me information, that I am legally entitled : which to give me answers WHY? that is happening? Because, if there is any reason why my is kept. None was given to me. Whenever I call wire transfer office of Bank of America. Or physically, I go to the branch, they say " We don't have any responses from XXXX XX/XX/XXXX. When my nephew and sister go to XXXX in XXXX, they told them " We don't have that money, the sender should to bank of America, the will give you answers. So, for me all this is ill treatment. I want justice. I believe this is not the way deserve. It is responsibility of bank of America to give one of two options : 1 ) - Return my money if it not delivered. 
2 ) - Give information, why that happening if there is any reason or issue. 
Because, Bank America is the company that I trusted as bank and handed my money. But they are mistreating me. I lost time and money because of what I was trying to do with this money.

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 2022-02-04
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear CFPB Thank you for hearing me again over the last 8 yrs. we have been dealing with several accounts that was done by Fraud/ Identity theft. When I was living out of the country for those 8 years. You guys helped me get these accounts removed over 6 times in a 5 yr period. 
The creditors found out they was fraud and removed them as you guys recall I had to get the police and Attorney General involved. Now the same company has Sold the account to the Collection agency thats listed. 
My Life has been destroyed if you guys recall I been fighting this for years and even had a massive XXXX XXXX over it, and I have been rejected from Jobs, school even a place to live. XXXX XXXX  because in my city you cant have collections you cant rent. Even someone had got two evictions on my name when I was out of the country. 
I went to save lives and my life was being destroyed, the collection agency has been Ruthless and pure evil to me, not wanting to listen or even understand. I also the collections agency put it meets FCC regulations and I Agree it should be on my report. I DO NOT AGREE, and the company Lied and stated I agree. 
I swear on my soul my Identity had been stolen back then and even I had Several Security breaches from the DOJ because I support victims of crime. I cant get Hired with these collections. 
Im not a liar and I promise you I did not open the account and I had proven that several times, the issue is how much more suffering will I go through. Because I was found incent and when they SALE these accounts it start all over. 
With my line of work with victims of crime I cant have collections, or I would get fired, and I did not do these things and should not have to pay for these things. The collections are not large but still I did not do this. And to suffer from 2013 to current is insane. 
XXXX XXXX OVER THIS AND CANT GO BACK TO WORK UNTIL ITS CLEAR. They dont want to see anything thats negative. why do I have to lose my whole life and now during a pandemic every time this pops up on my reports, I get Fired and lose my Apartment. Because they check our credit monthly. 
I need you guys Help again to get this deleted please completely and for them to stop asking me to send more documents, because they dont have full documents and they are using what I sent in against me to build a case to stick me with a bill I dont owe. 
DID YOU GUYS KNOW THATS WHAT THE COLLECTION AGENCY BEEN DOING TO ME? XXXX XXXX out here help me get this deleted again. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: U.S. BANCORP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I hope this letter finds you well. I am writing to bring to your attention a matter concerning my mortgage account with this bank. During the COVID-19 pandemic, I experienced significant financial instability, which led me to seek assistance from the bank in adjusting my payment plan. Despite multiple attempts to contact the bank, I did not receive any response, rendering me unable to afford the high payments at the time. 
It was only after the COVID-19 pandemic had subsided that I received a response from the bank. Subsequently, we were able to establish a new payment plan, and since then, I have consistently made timely payments, with no further instances of late payments. However, I have noticed that the late payments incurred during the pandemic have not been removed from my credit report. 
I understand the importance of accurate credit reporting, and I believe that the presence of these late payments on my credit report does not accurately reflect my current financial situation and payment history. I kindly request your assistance in reviewing this matter and facilitating the removal of the late payments from my credit report, considering the extenuating circumstances surrounding the COVID-19 pandemic and the subsequent resolution with 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 non-monetary relief
Consumer complaint received 2023-11-26
Company: Credit Central Holdings, LLC
State: SC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
This company is harassing me and even was calling my family at one point. While they did make some changes, they still have participated in threatening types of debt collection practices. I have had 3 people sent to my home to collect a debt which I reported to the manager who said that was not allowed. I have made 2 subsequent payments of XXXX each to catch up my loans. One on XX/XX/, and another one on XXXX XXXX  which both have been cashed. I also attempted to send a check for XXXX so that extra payments were being sent in XXXX and they sent it back demanding another check for the full amount. If I had the full amount I would send it. I have lived in my home over 20 years and now I had a home intruder come out right before the holidays which has been reported to the police and is under investigation. I find this ironic since they are they only debtor I know to come to my house with no notice and bang on the door. Secondly, my company I work for at my second job has not paid me for my work yet I XXXX and XXXX creating a problem for me with catching this account up. If my secondary employer is illegally withholding money per our contractual agreement I can not pay any more money I do not have. I am reporting them for unfair credit practices and concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: JPMORGAN CHASE & CO.
State: NY
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:
I opened the Chase UA Quest Credit Card on XX/XX/XXXX. This Credit card comes with {$120.00} United Airlines Ticketct fee credit for each card anniversary year. When I plan my trip for XXXX this year, I am not sure what exactly the annual card anniversary year is defined in Chase, so I sent a secure message to Chase card service, and get confirmation that the annual card anniversary date renews each year at the same date of account opening date, which means the UA {$120.00} credit renewed each year after XX/XX/XXXX. The secure message from Chase confirmed this is attached to the complaint. Also, in Chase 's UA XXXX website, it clearly defined : " Anniversary is the date that is twelve months after credit card account open date, and the same date each twelve months thereafter. See the link : XXXX XXXX XXXX I also attached the PDF of the webpage and highlight in yellow ( at page 4 ). All confirmed that the UA {$120.00} credit should renew after XX/XX/XXXX, since XX/XX/XXXX is my account open date. However, Chase refuse to provide the annual UA {$120.00} credit to my purchase of UA air ticket on XX/XX/XXXX for {$120.00}. The response from Chase customer service is : the anniversary date is the account statement date, not the account opening date, so the annual credit renewal should be on XX/XX/XXXX, rather than XX/XX/XXXX. This is unacceptable, since first, I contact you at first to confirm the credit will be renewed after XX/XX/XXXX, then I planned my trip on early XXXX, otherwise, I will plan my trip in XXXX. Second, as I said before, on Chase UA XXXX  credit card website it clearly defined the " Anniversary is the date that is twelve months after credit card account open date, NOT the statement closing date. I have explained this several times to Chase customer support, and they are not willing to fix their mistake. This is fraud and please be consistent in what you are telling the customer, and fix your mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-20
Company: PNC Bank N.A.
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
PNC Bank is not reporting my loan information accurately or fairly monthly to the credit bureaus. I took out a small personal loan of {$2500.00} on XX/XX/23 and my payment due date began the following month on the XXXX of every month. I made a payment early at the end of XXXX the same month I took out the loan and PNC Bank reported my balance not after my due date of the XXXX at the end of the month - reporting the balance to the bureaus well before my XXXX due date, reporting to the bureaus on the XXXX, XXXX, and XXXX of the month after all the interest has re-accrued for the month and before my payment due date on the XXXX. What it does is make my balance appear more than it is and it does not include my payment. Latest example, on the early morning of XX/XX/23, I paid XXXX Bank {$230.00}. My required monthly payment is {$100.00} on the XXXX. They reported to XXXX on XX/XX/23 that my balance was {$2000.00} when I had made a payment early on XX/XX/23 of {$230.00} bringing the balance to {$1800.00}. That harms my XXXX XXXX and is unfair and inaccurate in reporting. I filed a complaint and asked PNC to report to the bureaus shortly after my due date ( normally a few days afterward ) before the nearly XXXX weeks of interest reaccrues by the time they report on the XXXX, XXXX or XXXX. Dates matter, just as my payment due date matters in accurate reporting. PNC only gathered information to say they will not alter the reporting dates. This adds insult to injury because my XXXX XXXX was XXXX with a Very Good rating, yet the unjust interest rate they charged me was 30 %. Now they are reporting prematurely and unfairly. I am requesting help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Date XX/XX/22 amount XXXX. Card not present purchase Fraud in store. Called and was told I had to go to store to prove who I was or I had to pay the charge. The company will do nothing until I go physically into a store ( during Covid ). Very rude and indicated thats there rule. I asked what if I did not live near a Nordstrom 's they indicated their decision on how to resolve. As of today they consider it my charge unless I prove, in person, who I am. In addition I must speak with a store XXXX.

Company response to consumer: Closed with non-monetary relief