BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-01
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I paid for services / goods to XXXX through my Citi bank account on XX/XX/2020 the amount was {$170.00} on my bank statement. Citi bank altered the amount to {$92.00} which is incorrect I have a screen shot. I spent {$78.00} for Handy Services from XXXX I had to go elsewhere locally to pay for a TV Mounting neither XXXX or Citibank refunded my {$78.00}

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 2021-10-07
Company: EQUIFAX, INC.
State: LA
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:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: EQUIFAX, INC.
State: VA
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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: Chime Financial Inc
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Chime Bank was due to reimburse me for my account being hacked. They have sent me two fake checks back to back. I need to pay my bills. They have lied to me since XXXX. Very rude unprofessional people. I opened this account in XXXX. My card was activated in XXXX. I never received my physical card. I got one the middle of XXXX. They closed my account out and drew these checks on XXXX XXXX XXXXXXXX knowing they were fake. I have never seen a financial institution due anything fraudulent like this. I have all the emails from them. I need my money refunded asap/

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
On XX/XX/2022 I paid {$150.00} to Capital One. This was to close the account ending in XXXX for a lesser amount. The account was closed but yet to be charged off. Capital One had emailed me with the offer and I took it. Upon payment, I was no longer able to access account or details within the app, it now stated charged off after I paid the agreement amount. It was then put on my credit report as charged off. I was in a pre-approval stage of buying a home. After the incorrect entry on my credit report, I lost approved status. I can now possibly face homelessness with my family. I was trying to do the right thing and it back fired. I believe this is predatorial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I open a citzens bank account in XXXX with a sign up bonus. Deposit direct deposit adding up to {$500.00} dollars in 60 days and {$100.00} bonus in debit card transaction which I did. My bonus suppose to hit XXXX. XXXX nothing. I called and they check everything out and said you met the requirements and give it until the end of day for my bonus if not call tomorrow. So nothing I called asked for supervisor and he tells me it suppose to be single deposit of {$500.00} I said no it said totaling, maybe your new offer said single deposit. I told him you guys are misleading people, and I'm gon na file a complaint and will be closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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. 

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 XXXXXXXX has violated my rights. Or a 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 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 2023-11-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a 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 2018-03-03
Company: Experian Information Solutions Inc.
State: NV
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 credit report shows that I am an owner of a XXXX XXXX account which has been delinquent and now charged off. This is not my account and has nothing to do with me. This is my sons account. My son is XXXX years old and I am not responsible for his debts in any way. 

I wrote to the owner of the account, XXXX XXXX, in XX/XX/2016 and told them I was not a co signer on this account and they wrote back and said they had no proof that I had ever opened an account with them. 

According to the Fair Credit Reporting Act, if the company can not present proof that I opened an account they must change their negative records and take me off the account. 

This mistake is hurting my good credit report and I need it changed asap.

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 2023-04-01
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:
PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 B 2 COMPANY HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Through a credit monitoring service, I noticed collection accounts on my credit reports from Resurgent/LVNV Funding. I began disputing this information with the three major Credit Bureaus in XX/XX/XXXX. I asked for validation, but instead received updated copies of credit reports that simply cited verified. I even received letters that reported this information would not be investigated again. While I awaited the results of my continued disputes with the three major Credit Bureaus in XX/XX/XXXX, I received letters from the Debt Collector, that did not contain the Validation I requested from the Credit Bureaus. In early XX/XX/XXXX, I mailed out another round of requests for validation, this time to the Collection Agency. These requests were sent certified, so I am positive that they were received. To this date, Resurgent Capital Services/ LVNV Funding LLC has failed to provide me with the validation for this debt but has refused to remove these items from my Consumer Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 XXXX Account # 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 a 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 2021-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Back in XXXX I divorce my husband and in the settlement he was awarded full responsibility of the Bank of America, The problem is that Bank of America refusing to deleted this from my credit report. My X husband has passed away that was in XX/XX/XXXX since then this bill has shown up my report. I believe that his son might be using card with that would be fraud again still not on me. I have attached my divorce papers so you can see this is my account nor do I have any financial responsibility for it

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 2020-12-01
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Dear Sir/Madam, My name is XXXX XXXX. My wife and I initiated a refi loan on XX/XX/2020 and provided all the information requested by XX/XX/2020 with a promise from Citibank to close in 60 days. As part of the requirements for this loan, we opened a {$200000.00} checking account. On XX/XX/2020 Citi charged us {$980.00} for an appraisal. Month after month we were told that you are in a queue and the underwriter will review your application soon. After several complaints to Home Lending Officer, " XXXX XXXX XXXX '', we escalated to XXXX XXXX, XXXX XXXX manager. On XX/XX/XXXX, we were told that we have conditional approval and requested some additional info. which we provided on XX/XX/XXXX. Again, there was no progress for months. We were told several times not to pull our application as our application was close to being reviewed. On XXXX XXXX we escalated to XXXX XXXX, Divisional Lending Director. She replied on XX/XX/XXXX that they are experiencing delays due to COVID-19 and " I will ask XXXX and XXXX to ensure we have all the updated documents needed so when the file is reviewed a final disposition can be made. '' After another inquiry, XXXX informed us on XX/XX/XXXX, " We are definitely making progress and I anticipate your loan to be reviewed by underwriting by no later than a couple of weeks from now ''. After a number of inquiries in early XXXX, XXXX responded via email : " I do not have the timeframe to offer as far as the closing of your loan due to our underwriting capacity ''. We decided to pull our application on XXXX XXXX and informed Citibank of our decision and asked for a refund of our {$980.00} appraisal fee. Citibank is not responding to our inquiries. 

Regards, 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 2019-08-28
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have called Equifax and written Equifax many times to get an address off my credit report and have also requested a copy of my credit report. I sent documents providing proof that this was my information. I called and spoke with XXXX at Equifax on XX/XX/2019 and was told they would send me my report and proof that the address has been deleted I have a confirmation number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I opened my Credit Card with Amex XX/XX/XXXX ( Amex Everyday Card ) and qualified for a 0 % APR offer until XX/XX/XXXX on transactions posted by XX/XX/XXXX. I realize that the promotion period ended, which was my mistake-but I still wanted to do a balance transfer as the rate to my Amex Card was better than my current credit card. I called once and the rep said I needed to call the bank that I wanted to move the balance from ... confused with this response I called back. This new customer service rep was also unhelpful and stated that I couldn't do a balance transfer, I asked for a supervisor and the Amex Representative stated that one isn't available. I said I would hold and he said they are in a meeting and to call back. The Amex rep was obviously trying to get me off the phone like the last rep. I told him I would hold for a supervisor, after 45 minutes I got the manager of the Balance Transfer Department XXXX ( Employee # XXXX Call time was approx XXXX Pacific on XX/XX/XXXX ) and he shared that " many people find the Balance Transfer verbiage confusing '' and proceeded to tell me that he could not complete a balance transfer if it isn't in the first 60 days. I requested mulitple times to have my call escalated and he said his manager " didn't take calls ''. Finally, he said he would have another manager call me back.

Bottomline : The Cardmember agreement I received was misleading and I believe falls under the UDAAP ( Unfair, Deceptive Acts & Practices ). There is an interest rate that is listed in my attached cardmember agreement. No where in my cardmember agreement does it say " no balance trasfers after 60 days ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Ocwen Financial Corporation
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX PHH Mortgage/Ocwen Case # XXXX XXXX XXXX | Sales Manager, Direct Lending Sales PHH Mortgage Corporation NMLS # XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Toll Free : XXXX ext. XXXX Fax : XXXX XXXX www.phh.com Good Morning XXXX, This is my second complaint in less than 30 days from the original on XX/XX/XXXX. I am seeking relief and I want this email to go on record as a formal compliant against XXXX XXXX ( Sales Manager ), XXXX XXXX, XXXX XXXX, and XXXX XXXX who have been assigned to process my file which PHH/OCWEN Mortgage Company has continued to ignore regarding my request for assistance in processing my refinance request in a timely manner. 

On XX/XX/XXXX, I received a call from XXXX XXXX reviewing my application for a mortgage refinance I submitted over three months. During our conversation, she inquired about a deed for my timeshare, that was paid off in XXXX, that the underwriter was requesting. I stated to her that I have a copy of the deed which I can email to her, which I did. I simply told her no matter what I submit per the underwriter 's requests, he will request additional information which will further delay my loan. She promptly agreed. She assured me that she is working diligently to have my file completed and forwarded to the underwriter and not to worry. 

On XX/XX/XXXX, XXXX, I spoke to another processor ( name unknown ) and was told she received my application from XXXX XXXX XXXX This processor is now asking for the same documents I have submitted three times previously to different processors. The unknown processor stated that she was going to send me an email requesting the documents listed below and that she is anticipating a closing date XX/XX/XXXX. 
* Credit report confirmation on a new car purchase * Last two years proof of employment along with paystubs * XXXX income tax filing XXXX XXXX, Sales Manager, has not intervened or offered any support. 

I would really appreciate if someone other than the Sales Department of PHH /OCWEN would assist me in addressing my concerns. I can be reached via email or by cell XXXX. 

Cc. Consumer Financial Protection Bureau Congresswoman Eleanor Holmes Norton Department of Housing Investigative Unit, Department of Justice

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I am writing to dispute a series of billing errors on my Capital One credit card account. 
Unfortunately, I did not become aware of these recurring charges until XXXX of this year, at which point I immediately called Capital One to dispute the charges, which were $ XXXX/month since XXXX, increasing to XXXX/month in XXXX, amounting to a total of {$390.00}. These charges are for a service to which I have never subscribed. It is listed as XXXX. 

As soon as I became aware of these charges, I called Capital One on XX/XX/XXXX ( XXXX ). I told them that I had never had this service with XXXX and the card was deactivated. I was no longer able to use it. I checked on line for my expected credits and was shocked to see another charge, posted on XX/XX/25 for {$64.00}. I called Capital One again on XX/XX/XXXX ( XXXX ). I was told that the vendor had disputed my dispute and despite the fact that the ONLY reason the card had been deactivated was to prevent THIS CHARGE. They would provide me with no information as to how this could happen, other than to tell me that the vendor had the right to continue charging my deactivated card, although I could not. I had previously attempted to reach XXXX on two different occasions and was on hold for almost an hour each time without reaching anyone who could help me.I also attempted to contact XXXX via their on-line dispute process but my XXXX account ( which I have via my email account with XXXX ) indicates no subscriptions, so that also was a dead end. The fact remains that I did not subscribe to ANY tv service and have been paying for one ( unused ) since XXXX. 

I called Capital One on two other occasions. I complained on their website and received a response that they were looking into it and that someone would get back to me. No one has. All XXXX can confirm is that I have no XXXX subscriptions to anything, and without a subscription to contest, they can not assist me. 

I am retired. There is no TV service on the planet for which I would pay $ XXXX/month. 

I hope that you can help me. Please let me know if you need additional information. 
I am attaching my transaction sheets from my XXXX and XXXX statements, where it seems that the credits were applied, and then rescinded. I am angry and confused and do not know where else to turn. 

Thank you. 
XXXX XXXX

Company response to consumer: Closed with monetary relief