BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
Company: Experian Information Solutions 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:
I would like to file a complaint against the XXXX and Experian credit reporting agencies for continuing to reporting a bankruptcy which that was verified through a third-party, not from my own filings or from a court. This bankruptcy has been deleted from my credit reports with XXXX. This is a violation of my rights as a consumer and a violation of the Fair Credit Reporting Act. This violates Section 603 ( q ) ( 3 ) ( A ) ( i ) ( I ) of the Fair Credit Reporting Act ( FCRA ) which states that a credit reporting agency shall not furnish any items of credit information unless the source of such information is a person who has been certified as an agent of such agency.

Furthermore, similar court cases, such as Mitchel v. Experian Information Solutions , Inc. ( 2011 ) have also found such practice to be in violation of the FCRA. In this case, the court noted that the credit bureau must get its information directly from a certified source to provide accurate information. Therefore, I believe the credit bureau should not have reported bankruptcy which was verified through a third-party and violated my rights under the FCRA. 

I demand that the credit bureaus immediately remove the bankruptcy entry from my credit report. In addition, I demand that you provide me with an updated copy of my credit report. Furthermore, I demand that you provide me with a written apology detailing your mistake and the corrective action taken to address this issue. 



Sincerely, 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 2022-12-19
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I received an email stating my accounts would be closed within 60 days. I have contacted Citi Bank multiple times via phone to have the remaining funds in my checking account sent to me. I was told a check would be sent within 60 days, and I had no option to obtain funds sooner, despite the email stating If you believe these funds should be sent to you sooner than the expected closing date, please visit your local branch or call the number on the back of your ATM/debit card. I was also advised I was not able to go to a branch for assistance. Since this timeframe has passed, I reached back out to Citi Bank and was told I would no longer be receiving any funds. The funds in my Checking account totaled {$270.00} at the time I received the notice of closure. These funds are rightfully mine and Citi has no authority to keep them. My account statement shows an other debit in the amount of {$270.00}, leaving my account at a {$0.00}. I demand to know where my funds went, and prompt return of the funds to 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 monetary relief
Consumer complaint received 2023-02-09
Company: Bread Financial 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: Personal information incorrect

Complaint:
Comenity bank is reporting a wrong last name linked to my social security. I tried to resolve through their website to no avail. I called and the operator refused to allow me to talk to a manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: EQUIFAX, INC.
State: TN
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:
Equifax ; XXXX and XXXX are reporting incorrectly ( 120 ) days late on XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see pages 6 10 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line item need to be removed from my credit report. I have contacted the bureaus to remove these but I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: FISERV INC.
State: FL
Product: Prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XXXX fraudulent purchases totaling {$4100.00} were made on my payroll card, company has my denied claim. 

I was informed verbally by customer service on XX/XX/XXXX that the above referenced dispute case was declined and the only way to appeal this false decision was to write a letter of appeal. 
An employee of your company is grossly negligent for declining the fraud claim for a reason I am told of previous charges from merchant ( s ) this is false as I have never had charges from any of the XXXX disputed fraud companies in my history. I am completely distraught over this ordeal and have been told there is no way to speak to anyone in the fraud/dispute department that the only way to communicate is in writing this appeal. 
I demand a review of this case immediately and the negligent actions of your employee ( s ) to decline my fraud claim based on a false basis. As explained in detail in my prior letter ( enclosed ) dated XX/XX/XXXX I was XXXX  XXXX XXXX  years of age when these fraudulent purchases were made, I do not own property I live at home with my parents in XXXXXXXX XXXX and do not have a drivers license. I most certainly did not get a tattoo at a merchant called XXXX XXXX located in XXXXXXXX XXXX or pay property management fees or make a charge at total wine or any other of the remaining fraudulent locations. I have worked very hard part time at XXXX XXXX XXXX XXXX XXXX to save for car insurance and your company is denying me credit of {$4100.00} in fraudulent charges. I have followed all rules according the my cardholder agreement in reporting the fraud immediately upon discovery on XX/XX/XXXX, sending the signed customer dispute form and written statement of unauthorizes transactions on XX/XX/XXXX. 
As stated previously I am reporting the unfair and abusive practices of your company to the Consumer Financial Protection Bureau as well as XXXX federal regulators. If you do not answer this letter to my satisfaction you will answer to them. 
Please advise what steps your company will take to resolve this matter and credit my account for {$4100.00} in fraudulent charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TrueAccord Corp.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I ordered some tickets through XXXX but I never received the tickets so I submitted a request for the refund of the tickets. I got the refund but they are still saying that I owed them money and they sent me to a debt collection company. I have pictures and messages of me trying to get this fixed since I dont owe anything to XXXX or True Accord. I didnt sign a contact with True Accord therefore I recommend them to cease and desist all contact methods. Additionally, I would like this debt removed from my credit reports and if you attempting to add it to my credit report I would appreciate it if you dont.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
After review of my TRANSUNION credit report, the following hard inquires are not mine. I was a victim of identity theft and submitted an affidavit with the FTC. Please find attached. I had submitted a request previously ( with the attached affidavit, complaint ID # XXXX ) to resolve the issue through the CFPB to no avail. Please revisit and review the attached document and remove the incorrect hard inquires listed below, which I did not allow or request the action to pull my credit from the following institutions. 


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

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 2023-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022, a check was written by me from a XXXX XXXX XXXX checking account in the amount of {$6200.00} for a monthly rent at an assisted living facility. On or about XX/XX/2022, the check was apparently stolen from the XXXX Postal Service at some point in transit. The thief washed the check, changing the payee and the memo line on the check in an obvious and sloppy attempt at manipulating the check. I discovered the fraud in mid-XXXX  and filed a claim with XXXX. XXXX lost the original claim, and a new claim was filed in XX/XX/2022. After repeated inquiries on my part, I learned that the check was deposited by the fraudster into a Bank of America account via an ATM machine. XXXX also claimed that Bank of America was not responding to inquiries regarding the check. I reached out to Bank of America directly and they stated that they would have responded to XXXX months ago. I also reached out to Bank of America and they stated via e-mail that there was nothing they could do as the fraudster has closed the account. Now my elderly parent is out {$6200.00}, due to Bank of America failing to catch a clearly manipulated check, and XXXX dragging their feet on per suing the matter in a timely manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: JPMORGAN CHASE & CO.
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:
On XX/XX/XXXX I wrote to Chase disputing a {$120.00} charge that was posted on XX/XX/XXXX, described as 'ONLINE PURCHASE XXXX '. Neither my wife nor I purchased anything from a source in XXXX, which is the capital city of XXXX ( XXXX ). In trying to resolve this dispute with Chase, I have been bounced back and forth on phone calls where the dispute department claimed it was a fraud and transferred me to the fraud department, which said it was a dispute issue and transferred me back to the dispute department. Then I got a letter from Chase asking me to fill out a form that I had previously filled out, regarding my dispute. I wrote back to Chase on XX/XX/XXXX, stating that I was tired of getting the runaround and unless Chase could show that the {$120.00} charge was valid, I expected them to remove it, as requested in my original dispute letter. Instead, I today received a letter from Chase dated XX/XX/XXXX, stating that Chase found no evidence of a billing error and was therefore reinstating the charge! I'm not even sure they even removed it, but it's clear to me that they are NOT acting in good faith and are basically taking the easy way out. The bottom line is that the charge was not made by either me or my wife, and the inability of Chase to even provide a phone number or address of whoever made the charge is proof that Chase is essentially avoiding any responsibility for a bogus charge on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Signed up Citibank Executive Mastercard and was promised XXXX miles if I spent {$5000.00} in the first three months. I met this requirement and the bonus miles were never deposited into my account. I have had six online chats with support agents and several promised the miles would be in my account in the next billing cycle, which never happens. I have also been hung up on several times when the agent panics and does not know what to do. 
I was eventually given an email address ( citi application offer issues ) to complain to and was told I would get a response in no more than 10 days. No one ever replied to my email.

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 2021-06-09
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Ally Bank arbitrarily FROZE my account on Friday afternoon XXXX XXXX with no warning or explanation. I called and the fraud detection department personnel gave me no information. I have called daily since it was frozen. Finally investigator XXXX, as no one gives last names, told me it was about a wire recall. The sender said he did not recall the wire and he said he called his bank, XXXX and they did not recall it but Ally is saying they did. So I authorized them to just return the wire funds and open my account. Still a week later after the wire was returned and nothing. They give you no explanation and tell you it takes as long as it takes to investigate the account. First it was 3 days then it was up to 30 days then it was 30 days or longer now it Takes as Long as it Takes. These are the answers I have gotten. 

Meanwhile all my money is locked up and my bills have bounced, my credit has tanked, and I have had accounts closed for non payment. I even had one of their agents LAUGH at my distress on the phone. He thought it was so funny. I am angry that they can lock me out of my account with no warning and No preparation. Angry that it has been almost 3 weeks. Who can go 3 weeks with No funds? I have opened a local account so that I can go and speak to a person when I have an issue. I chose Ally for convenience and that has bit me in the XXXX. I highly recommend NO ONE USE ALLY BANK!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to access my mortgage account online. Freedom Mortgage has taken away my online account to manage my payments, escrow, principle payments etc,. because my loan is an assumption. I assumed this loan from the ex husband and it is court ordered and my account access has been taken away from the mortgage company Freedom Mortgage and it is not allowing me to access my account online. 

Freedom Mortgage has shared that I don't have access and they won't grant it on XX/XX/XXXX. I assumed this loan on XX/XX/XXXX and have had access to this account since them and now they have taken it away as it seems their IT team can't figure out how to redact the prior borrower 's information. I want my account access back. 

Thank you, 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 2021-03-03
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I wrote a letter to Regional Acct to provide evidence that a debt reporting on my credit report was incorrect. On XXXX I was divorced from my ex husband, we had two cars, In the divorce decree, the judge ordered I was responsible for one car and my ex husband was financially responsible for the other car. After the divorce his car was deemed by the car company as a charge off and its is reporting on my credit report as my debt. I send letters to all 3 credit bureaus with the divorce document and they respond with just a validation of the debt. I receive a response from Regional acceptance stating that it was my debt because I sign for the Loan but I feel that I am still paying for my car as it was ordered and I should not have to pay for my ex husband car also. I have documentation from the judge to prove the order. I am working very hard to move on with my life and this on my credit report is keeping me from moving forward. I would also like to point out on my credit report the last date of activity and the high balance is reported incorrectly. I would appreciate if you can help me to solve this problem. This is my ex husband debt and base on the divorce decree i am not responsible for this debt. Thanks for all your help and i look forward to your response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Block, Inc.
State: KY
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I got a email from Cash App civil process stating that they had hey get a request for them to put a hold on my account I had called the department of Tennessee revenue service this morning XX/XX/XXXX  at at XXXX XXXX  and they proceeded to tell me that they had since they release in the middle of this month for them to take a hold off my account, and they still havent done so they said my account has been suspended due to a suspicious activity there was no suspicious activity. They took my {$98.00} and I havent heard nothing from them since they keep saying that theyre going to send someone to talk to me I get someone to reach out to me and nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OK
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:
When I filed chapter XXXX bankruptcy, my mortgage loan servicer continued reporting to the credit bureaus. The reporting should have stopped in this situation. They reported multiple late payments. After arguing with them, they issued a letter on XX/XX/XXXX stating they I had been current on my account since XX/XX/XXXX. They now refuse to report this on time payment history to the credit bureaus. I have tried everything with them and it has been the most frustrating situation i've ever had to go through. They are in violation of the Fair Credit Reporting Act and I can not buy another home until they correct this. Please assist in any way you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: ALLY FINANCIAL 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:
Deleted completely from my file that was the agreement not to come out on my report. Now it shows again on 3 credit report. I was was a breach on XXXX that is how I find out that is on my credit report again Ally sold this acc to another company that want to charge me again XXXX went this acc is close by ally .Now ally they sold this acc to another company and I never did a contract with them or know who are they? and they keep calling me at all time. That car loan was my ex that add me on that loan on the past. See the amount XXXX and more on my report. So you see they close the acc? Now is report again same loan with XXXX some else please go over this.

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 2017-11-06
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My mortgage was sold to a new company that uses a servicing company called Shellpoint Mortgage Servicing. I tried to call them to get details for paying my payment. I tried every option but all ask for my ten digit phone number on file. I tried every phone number that I have had for the last 30 years. It will not let you speak to someone without the correct phone number. I mortgage payment is due in less than fifteen days and I am not sure where to send the payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
The collection agency LVNV LLC funding sued me in XXXX XXXX, TX my court date XX/XX/XXXX  and another one in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Fraudulent and unauthorized Hard Inquiries : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX OF 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 explanation