BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-29
Company: CITIBANK, N.A.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I contacted support to close my checking/savings account ( early XX/XX/XXXX ) and was told it will closed/no further action was needed. The same day I transfer my remaining funds out of the account into a new account at a different bank. 

Several months later ( XX/XX/XXXX ) I receive a letter saying I owe a balance of {$76.00} and I contact support to be informed that it was due to being charged a monthly service fee the month following when I thought/was told the account was closed ( the {$0.00} balance was less than the amount required to avoid fees ), and additionally there were 2 months of overdraft fees charged. 

When explaining the circumstances to customer support they refuse to waive the amount they say I owe, and the letter I received states this amount may be referred to collections and reported to consumer reporting agencies.

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 2020-07-20
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1.  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Experian Information Solutions Inc.
State: GA
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:
Hi Experian is reporting fraudulent inquires on my credit profile. My identity was compromised when I was out of town and my wallet was stolen. My ID and credit cards were taking. The items that are on my report need to be removed because I can't get approved for future lines credit. I had sent a complaint out previous but my all my inquiries listed did not get removed from my credit profile

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 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
During A Check of My XXXX  Credit Report On XX/XX/2020 I Discovered Information On My Report That Is Fraudulent, Incorrect, and/or Erroneous. XXXX  Report Number : XXXX, XXXX  Credit Report, And Transunion Credit Reports Dated XX/XX/2020 Show That I have A Debt with XXXX XXXX XXXX AKA XXXX XXXX XXXX XXXX. I have never had any account with this company or any of its Listed Affiliates. I have tried unsuccessfully to resolve this Fraudulent, incorrect, misleading, and damaging information from my Credit report. I am trying to avoid having to file Legal action against the Companies and reporters of the Fraudulent, and/or Erroneous Information, for causing damage to my report and reputation.

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 2019-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX has harassed me for 2 years now off and on, i have tried to explain to them this is not my debt in 2017 when they first started calling me, they call my cellphone 2 or more times a day everyday at all hours, they continuously mail me letters and for the second time they have placed a collection on my credit report. They are a horrible company and their employees are rude when i did try to explain to them they had the wrong person!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Experian Information Solutions Inc.
State: MS
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 following list of accounts have violated my consumer rights to privacy and confidentiality. They have also violated reporting laws within the FCRA. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX. XXXX XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX - ACCOUNT # XXXX has violated my rights XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX. XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX - XXXX  # XXXX has violated my rights XXXX. XXXX XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX - ACCOUNT # XXXXhas violated my rights XXXX. XXXX XXXX - XXXX  # XXXX has violated my rights XXXX. XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX XXXX XXXX XXXXXXXX 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 : States a consumer reporting agency can not furnish an account without my written instructions 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 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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-03
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: Account information incorrect

Complaint:
I XXXX XXXX have been going over my credit report and I noticed that there were a lot of inaccuracies on my report. I have been trying to communicate with the three credit bureaus on my own to fix and correct these issues but they are now ignoring my requests to investigate and fix the issues on my report that I pointed out to them. Since they didnt fix the issue I read on XXXX the fair credit reporting act that they have 30 days to investigate and correct the issues and if they are unable to verify the disputed items then they must delete them BY LAW!! Well it has been well over thirty days and they have done nothing! Also the act said that they must delete the disputed items while they are under investigation and they didnt even do that! I have been monitoring my credit report very closely and they have completely violated my rights as a federally protected consumer. I ask that you please help me to enforce my rights with these companies and have them do what is right by the law and delete all of my disputed accounts since they could not verify the validity of them in 30 days. 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 2021-08-12
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I received an alert via email through my credit monitoring company that there was a debt collection from a company in Texas. On XX/XX/XXXX, I called my credit monitoring company and the representative told me it was from an internet company. It stated that I had a balance of {$450.00} that was yet to be paid. The alert reported that I had " opened '' an account with the company on XX/XX/XXXX. My credit monitoring company, XXXX, stated these collection agency accounts can negatively impact my credit and can remain for 7 years. I looked up the company called, CREDIT MANAGEMENT L.P, and looked at the reviews for the company. It seems that this is a consistent problem with Credit Management L.P with other people stating that they have been sent false debt collections for a service they have never used.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-10
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
We was purchasing vehicle from a dealership and arrived with my own financing. These inquiries are not authorized. XXXX XXXX XX/XX/18 Ally Financial XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 Please have these inquiries removed as they were not authorized. Dealer provided a letter stated these inquiries were made inadvertently and they should be removed.

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 2020-07-20
Company: BOEING EMPLOYEES CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
My credit card account was in forbearance. The forbearance period ended XX/XX/2020. My payment was due XX/XX/XXXX. I reached out to the bank and requested another month of forbearance because I began working XX/XX/2020. They asked that I provide an expense worksheet and it was emailed to me on XX/XX/2020. I filled it out and had to request information on how to send it to them. I was told that it could only be faxed. I faxed it in on XX/XX/2020. 

I reached out on Friday, XX/XX/XXXX and they stayed that they would request that a representative from XXXX Assistance should reach out to me within the following week. 

I reached out again on Monday, XX/XX/XXXX and asked to know the status. I was told to wait an additional 2-3 days for someone to reach out to me. I was at work and did receive a phone call. The message provided a phone number and extension number. I called after work but it was unable to get a godmother anyone. I called again on Tuesday, XX/XX/XXXX and finally got a hold of a representative on Wednesday, XX/XX/XXXX. 

The representative expressed that since my payment for XX/XX/XXXX would not be able to be placed in forbearance, I was officially 30 days past due. 

I expressed that their lack of clarity and communication had left my account in a questionable state of being. I asked if there was any way that they could waive the late fees for the XX/XX/XXXX and XX/XX/XXXX payment and they Member Service rep stated that she would waive the late fees but there was nothing that she could do to change the credit reporting of 30 days late on my credit report. 

I have NEVER missed a payment in the last 16.5 years of having credit. I always reach out to my creditors if Im even one day late. I would not leave my accounts abandoned. 

Due to their flagging of my account as 30 days past due, it has created a domino effect on my credit by dropping it 63 points and has then led to other creditors closing my accounts that have always been in great standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
State: NY
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:
Credit Bureaus will not remove the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX I've been submitting disputes for months now and they refuse to remove these accounts. These accounts are not mine I have even submitted a police report regarding this matter please expedite the removal of these items 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 non-monetary relief
Consumer complaint received 2022-08-13
Company: EQUIFAX, INC.
State: MO
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 10th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items and bankruptcy which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Balance : {$410.00} XXXX  XXXX Balance : {$6100.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
Bank of America prepaid card holder services froze my account twice. The first time I verified my identity for both XXXX and Bank of America. They closed out my claims on my account because it was frozen then I had to wait for them to get all my identity documents and my account was unfrozen and my claims were reconsidered on the XXXX of XXXX. Come the ending of XXXX my money is still not back in my account and my account gets frozen again. And I have already verified myself with ID.Me for XXXX and Bank of America. They are still not unfreezing my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-15
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Good Morning, I am XXXX XXXX XXXX, i put {$5000.00} in escrow to buy a first time buyer house. I signed the contract but my daughter wanted to sign for me, asking for more question before signing. The loan agent XXXX XXXXXXXX XXXX Senior Mortgage Loan XXXX at PRMG, XXXX XXXX XXXX, XXXX, did not want to clarify the question for my daughter. he decided to give us a denial letter instead. i agreed on that. 
We were under contract to purchase [ XXXX XXXX XXXX XXXX XXXX, FL XXXX ]. Our inspection window ended XX/XX/XXXX. Our finance period is scheduled to end XX/XX/XXXX. However, we decided not to proceed with the purchase on XX/XX/XXXX. The release and cancellation form was provided to the sellers on XX/XX/XXXX. Since we are requesting to cancel the purchase of the home during the finance period, Seller is asking for a denial letter for the loan. 

He never provide proof or denial letter that this file has been canceled so we can obtain the seller signature on the release and cancellation. the realtor has attached a copy of the release that was signed and sent to the seller. In order for the title team to release our escrow deposit of {$5000.00} we need a signature from the seller. Let 's work together to obtain proof this file is canceled so we can obtain the seller signature. 
i sent him a message everyday from XX/XX/XXXX2023. he texted me by email to tell me he sent the denial letter to me. I received all the emails he sent except the denial letter. i feel betrayed. i need your help to have my money back, please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: EQUIFAX, INC.
State: MN
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:
I have no knowledge nor did I give consent to obtain my report for XXXX and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
please check the following accounts, which appear on my credit report, without any authorization, do not belong to me Identity Theft XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation