BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-30
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
XXXX has been discharged previously and post discharged inform not reflected on my credit report. 

The post discharged has been going on for over three years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: EQUIFAX, INC.
State: FL
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check from my employer. Ive waited over two weeks now for my funds to be accessible. Bank of America keeps denying me my funds.

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 2019-04-23
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: Information belongs to someone else

Complaint:
I have been a victim of identity theft

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 2021-09-24
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On Tuesday XX/XX/21, I was informed by Citi that my account had been temporarily suspended due to potential fraud on the account. Upon contacting Citi 's " early fraud '' department, they asked me a series of questions to " authenticate '' me. I provided ALL VALID account information, including my wife ( who is an authorized signer ) including phone number, email address, personal information, etc. and was informed that I was unable to be authenticated and that the ONLY way I would be able to be authenticated is through a pass code to be delivered by USPS within 5-7 days. I tried to resolve with 3 different individuals, including two supervisors, all of whom advised that was the " only '' way to authenticate me as I did not have Citi accounts otherwise.

It is notable that there are zero unauthorized charges on my account and I informed Citi as much, yet my account remains locked. 

As of the time of this writing ( XX/XX/21 ), I still have not received correspondence regarding this authentication, but in the meantime I have had not fewer than two bills using my citi card as an auto draft attempt payment and were rejected, which has resulted in me being charged a late fee.

In addition to the inconvenience of being charged a late fee through no fault of my own, Citi 's archaic and inflexible policy of allowing me to verify myself ( and again, who can better authenticate myself THAN MYSELF ), I find it highly concerning that Citi is de facto attempting to illegally tie depository and credit relationships as the only reasonable means to authenticate in the case of potential fraud. As the reader of this would undoubtedly acknowledge, Citi or any financial institution is not permitted to require having a depository account as the means of extending credit and is illegal per the OCC regarding anti-tying provisions.

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 2023-09-25
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
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 There is a need to insure that consumers reporting agencies exercise their grave responsibility with fairness impartiality and a respect for the consumers right to privacy : subject to subsection ( c ) ant consumers reporting agency may furnish a consumer report under following circumstances and no other ( A ) In accordance with the written instructions of the consumers to whom it relates : reporting information with actual knowledge of errors ( A ) 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 With that said I wish to have items remove 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 explanation
Consumer complaint received 2019-04-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
Contacted Bank of America credit card division that I was having trouble making my payment. Asked to speak to supervisors on each call ( six calls in total ) and all advised that if payment was made by statement cycle date of XX/XX/19 that account would not be reported 30 days derogatory to credit bureaus. Payment made on XX/XX/19 at XXXX central time and email confirmation received. Payment made via automated system and it states that payment will be made with posting date of XX/XX/19 but could take a few business days to reflect in balance. Manger phone call on XX/XX/19 left notes that state my concern about credit reporting and she said if payment made by the following day it would be okay. Manager notes on XX/XX/19 state that no negative credit reporting will be made. All five managers I spoke to advised if payment made by cycle date there would no negative credit reporting. Also XXXX statement does not even show transaction date of payment for XX/XX/2019 but Bank of America online account activity shows transaction date of XX/XX/19. Please honor what all have told me and please remove the 30 day derogatory mark from my credit report. 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 2021-09-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have a personal loan with USAA. The pandemic hit and they offered to stop the payments for 3 months I agreed. I made the first payment in beginning of XXXX and stopped for the 3 months and began repaying again in XX/XX/XXXX. I originally paid the loan in full for the first payment but decided I would pay the loan twice a month instead of in lump sum. I would break the payment into two and make the payments on time and everything seemed fine. One day months later I was looking at my banking accounts noticed the balance jumped in front of my eyes. I thought it was strange so I told my husband about what I had seen. A few days later I noticed the same thing happened again. My husband had asked if had taken a screenshot and I didn't so this time around I thought about it but decided not to again. It happened a third time and this time I was determined to start taking the screenshot. In XXXX of XXXX I went to make a normal partial payment and notice the entire set up of the loan was different. I made the payment and contacted the bank to ask about the changes I was seeing and they told me this was normal. I began to take record of what was happening to me. I still can not find the first payment on the loan as it is as if it was never paid. Its nowhere in the payment history and their explanation is that they loan was paused for 3 months. 

The bank was now collecting interest twice while adding it back to my principal balance daily. So currently my PRINCIPAL balance increases daily and even if I make a payment to change my principal balance the interest is being added back to the principal balance daily. I do not understand how I can be paying the same amount in interest as when the loan began and the principal balance is less. Please audit my account. 

This bank is taking advantage of me and maybe others.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below have 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 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 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 in accurate.

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 2019-04-23
Company: NELSON AND KENNARD
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX  XXXX XXXX Account No XXXXXXXX Nelson & Kennard File No XXXX-XXXX-XXXX Current Balance {$5400.00} I had XXXX  XXXX XXXX Credit Card and the debt collection company has sent the letter either payment plan or debt settlement. Instead of talking over the phone, I have sent out the letter requesting the statement copies and charges of fees or interests. 

While I was waiting for the response, I have received the letter from the law firm Nelson & Kennard XXXX XXXX XXXX XXXX, CA XXXX Tel : XXXX-XXXX-XXXX Fax : XXXX-XXXX-XXXX requesting I have 30 days to pay the balance or legal lawsuit will be filed for a judgment. It is asking to send the letter to dispute or respond which I have sent. 

I still do not have records of how the charges came about or the collection company looking into payment plan or reduction of the balance amount. 

I need consumer finance to involve to see this case so I can get the clear picture of the debt and the interest and other charges before I commit to the payment and the settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: Navient Solutions, LLC.
State: SC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Navient, who apparently is a debt collector, has called my home for the past 3+ months, 2 times every single day about debt for a person that is not in my family. They leave messages about this person who apparently has debt and request that i call them back, 2 times a day around XXXX and around XXXX, every day. Me, nor my wife, nor my XXXX XXXX  daughter have have ever had any school debt, and both of us are college grads and I'm a XXXX. I have a common last name apparently. They are violating FDCPA law by leaving messages about someone else 's debt on my phone and asking me to return their phone call more than once, which they do every single message, 2x a day. I have emailed them asking them to forward my email to their legal dept to remove my phone number from their system and today I receive a message, case closed, with no action. I'm tired of deleting 14 messages every week and more tired of listening to them call at XXXX every nite when I'm with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been unable to get a response from XXXX XXXX XXXX and per the Cardmember agreement on customerfinance.gov, the next step is to start an Arbitration so I can be heard. I previously sent a request to remove a 30-day late payment on my credit report from XX/XX/XXXX. The late payment was not removed and I was advised to mail any supporting documents I may have to Barclays if additional assistance was needed. I have since sent a letter to Barclays in XX/XX/XXXX showing that I had enough money to make the payments and I was unable to do so as I was dealing with the death of my Grandmother, I was away and was in an area that was affected by a natural disaster. I never received a response to my mail. I have also sent 3 emails to XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX but never received a 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 2019-04-23
Company: CITIBANK, N.A.
State: TX
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:
XXXX XXXX XXXX XXXX Credit Card was lost/stolen. I reported it immediately & was told that they had closed this particular card. I was told the amount charged that I was not liable for & would not be reported on my credit. However, XXXX  is still reporting this fraud charge on my credit report. I spoke with XXXX XXXX & was told that the amount in question was not on my account. XXXX needs to re-investigate and clear this up on 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 monetary relief
Consumer complaint received 2021-06-28
Company: Experian Information Solutions Inc.
State: OH
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 never gave written instruction to furnish my report 15 usc 1681 violation

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 2023-06-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is in response to complaint XXXX. Equifax stated they needed to verify my identity. Even though this is a stall tactic and did not address the disputed account, I have attached my identification. Per the last complaint, the account is reporting late payments during covid and while on deferment these are FCRA violations. The company stated that no one from Equifax reached out for an investigation. Remove this late payment reporting in XX/XX/2020 on account XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
XXXX XXXX previously sent me a notice advising that they were sending me a reimbursement check for improperly closing my checking account. I received the check for {$150.00} and cashed the check. 
Now I received a notice from XXXX XXXX XXXX XXXX stating that I owe XXXX XXXX $ XXXX.How is this even possible? They closed my account and sent me a check for incorrectly closing it, now they are billing me for the amount they sent me? This has to be improper practices by this banking institution and I would even go further to say they are willfully trying to get money back from the wrong they said they apologized for. Now My credit is affected and it is casing me to not be able to handle other matters because of this being improperly reported to the credit bureaus. I am being sent notices now asking for the money that they sent me. Why would they send me money only to ask for it back and do it by collections? This is against the law. 
US bank sent me the same notice from the same collections agency 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 2023-03-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I telephoned Wells Fargo at XXXX at XXXXXXXX XXXX on XX/XX/2023. I spoke to XXXX. I made the following request : My landlord wants copies of my checking account statements. 

The only information I want my landlord to have is the deposits to my checking account and the balance of my checking account on the final day of each month. 

Please provide this documentation in PDF format. 

XXXX refused to honor my request. I asked to speak to XXXX supervisor. Next I spoke to XXXX. 

XXXX refused to honor my request. I stated that if my request was not honored, I would file a complaint with the Consumer Financial Protection Bureau and switch to another bank. XXXX still refused to honor my request. XXXX stated that she would provide me with a complaint reference number. XXXX did not provide a complaint reference number ; she put me on hold and did not return to the telephone. XXXX did not make a follow up telephone call 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 explanation
Consumer complaint received 2020-12-17
Company: Ocwen Financial Corporation
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Due to the corona virus my job allowed us to go into our retirement money and take out whatever amount we need to survive. Due to the fact That I was already having mortgage issues I requested a 15 payout amount of my mortgage and I sent that amount on ( over {$30000.00} ). While waiting on my title to my house I received another letter from the mortgage company telling me that my money has been placed in other areas ( escrow, insurance, etc ) and that was not the intent. From the date that they received my money if I owed them anything else they should have said so. PHH MortgageXXXX  XXXX XXXX XXXX, NJ XXXX. Loan Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 asked the credit bureau to do a verification of everything on my credit report, they did and stated everything on my report is accurate. Afterword I verified and did my own research to make sure everything stated by all 3 credit reporting companies was accurate and correctly shown in all 3. I found inconsistencies and improper use of my information by all 3 credit bureau companies even after I requested that everything be accurately verified. in accordance with the Fair credit reporting act XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have ALL 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 non-monetary relief