BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX  ( XXXX ), ORIGINAL CREDITOR ; XXXX XXXX  XXXX SOLD TO, XXXX XXXX XXXX ( XXXX ) has violated my rights. 15 U.S.C. 1681 section 602 A. states I have the rights to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish am account without my consent.

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 2022-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I went into a Bank of America branch to deposit my State of California Tax refund check of {$27000.00}. The teller provided a confirmation slip that said {$22000.00} would be held until XX/XX/XXXX. On Friday XX/XX/XXXX I received a notice that the entire amount was placed on hold with the reason being A hold was placed on your check ( s ) because check specific information indicates item may be returned. I called customer service and they were not able to provide a reason for the hold and they were not able to provide an availability date. I later learned that the availability date was also pushed out 2 days from XX/XX/XXXX to XX/XX/XXXX. At no time have I been provided a specific reason for the hold. At any rate the whole process is dubious given that the check is from the State of California, it says Tax Refund on the check.

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 2021-11-19
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: Was not notified of investigation status or results

Complaint:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in XXXX XXXX that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section XXXX ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. Ive repeatedly asked for this to be removed through various methods.

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 2022-05-15
Company: EQUIFAX, INC.
State: PA
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 name is XXXX XXXX. I am a victim of Identity theft. This account is fraud. I sent XXXX and Equifax the FTC report and my State ID certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: DISCOVER BANK
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I called XX/XX/XXXX to get my lost card .However, I talked to supervisor who decided they would help me with the removals of the late payments as we were talking she agreed to remove late payments of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

We talked about our kids our relationship with credit improvement and other potential good things coming up in our life XXXXShe told me she would transfer me to department to get them removed. 

She even told me it help boost my scores once they removed them. 
She told all they do was remove the late payments. Then once I transfer I told another story. 

Again I wasn't calling about late payments this agent wanted to help and told me they remove them. I was very upset I stayed on the phone with them for 3 hours got transfer 4 times and no results as promised. Then another supervisor told me file a complaint against the company so I am doing so now he said if I was his family member he file a dispute against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-19
Company: EQUIFAX, 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 have submitted 3 disputes with Equifax to have XXXX update the credit information on my file. I even provided proof of the account pay-off. Each time Equifax has come back and said that XXXX has verified the account is still open and that I still have an outstanding balance. I don't know what more to do to get the information correctly listed as paid in full on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I am upset, sad, distress on what is happening to my credit report. Some of my accounts has a late payment remark. I did not incur any late payments. Ive made every payment paid on time. Can you guys double check those account and make a necessary action about 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 non-monetary relief
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: WI
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:
All of my personal information used on my credit report was stolen from Equifax. Instead of immediately alerting the US citizens it affects ( over half the US adults with credit ) they took 5 weeks to alert anyone and seem to have used that intentional delay to participate in insider trading. 

Even after the breach was made public, I have not received any written notice via mail or email that my identity was compromised. I had to look it up myself after hearing a story on the radio. Because they are only offering a year of identity protection, which is incredibly insufficient to cover the data that was stolen I must now pay them to freeze my credit. Equifax will benefit billions if all affected adults choose their only option right now, to freeze their credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was in the process of buying an ATV for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. 

XXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$930.00}

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 2020-06-10
Company: Experian Information Solutions Inc.
State: OR
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 had a credit report pulled by Experian. The report showed a loan that I did not have or ever apply for. I initially called the company that the report showed I had a loan with but they couldn't find me in their system by name or SSN. I then talked with Experian and found that my report/file merged with someone else 's with a similar name/SSN. Experian is correcting the issue.

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 2017-03-03
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Today XX/XX/2017 I just received in the mail ( XXXX ) an seattlement offer letter from navient that was dated XX/XX/2017. The offer states that it is a payment plan however it says that I must have it paid in full electronically directly to navient no later than XX/XX/2017. Not only did I not recieve the offer until a month after they dated it, navient did not give me appropriate time to respond let alone actually work with the company to reach a settlement in which I could send them the funds. According to the letter, I need to pay the amount in full immediately, but the offer was significantly higher than they offered me or my cosigner over the phone, just days ago. The offer also had incorrect financial data ( compared to their own website ) The offer states that if I did not accept their offer and pay immediately, I will be held to the total amount due of all my student loans, the number that they provided includes federal loans which are not in default at all. There numbers also take into account what they estimate how much I will owe navient. Not a current balance ( including interest and fees in advance ). In addition this settlment offer does not cover which loans, what type of loans, if there will be any additional fees etc. 
I feel as if this is act of retailation to my last complants I filed w cfpb. I filed simular complants w cfpb in reguards to over charging my account, not correctly reporting payments, not listing payments made ect. In which I have yet to recieve any resolution or communication from navient about. 
I plan to call them back tomorrow and and request 2 weeks which the law allows to review the offer. I am very frustrated and concerned by the fact that this seems like another illegal attempt by navient to illegally hurt, intensionally mislead, and damage the life and wellbeing of student, cosigners and borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Exeter Finance Corp.
State: WI
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:
I am disputing my two late payments reported on my credit. The finance company reject a payment XX/XX/2020 from XXXX  company that was paying it off. I am disputing my two late payments reported on my credit. The finance company reject a payment XX/XX/2020 due to covid-19 and another payment was than submitted again on XX/XX/2020. I contacted them monthly and was advised to not make a payment as they received a payment but it was not processed to follow up in a few weeks. I made two calls per month to attempt and resolve this matter. I did not want any negative reporting to my credit I was proactive and am shocked they still reported negative when I have attempted to make payments. I would like have my supported documents reviewed I see that the fiance company would process payments and reverse them I am not sure why. With my two gap policy and insurance company XXXX didnt have any balance. I did not miss any payments prior to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: Second Round Limited Partnership, Austin, TX Branch
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX Bank # XXXX - SOLD to : Second Round LP Acct # XXXXThis account is not even my account. It is not a credit card account. This account was a cash advance account for my mother ; her name was XXXX. She has passed away. When my Mother became unable to take care of herself and we put her in a XXXX, in XXXX, CA. I took over paying her monthly bills and her upkeep. I had all of her mail and bills sent to my house in care of me. I was never a co-signer on any of her accounts or checking account. I DID pay the XXXX account payments as well as with all of her bills. After she passed away, I stopped paying her bills, as she had no remaining assets. 
I had inadvertently given some clerk at XXXX Bank my Social Security number to prove the account was n't mine and they agreed. Then " someone '' at XXXX then used it against me to put it in my name. My name appears nowhere on this account other than a mailing address for payments that I helped her in the last few years of life. I have written XXXX numerous letters with no results. They have since sold this account to a collection agency, now they report this account in my name as well ( *Second Round LP Acct # XXXX ) Please help me get both of these accounts off of my credit report ... they are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: CITIBANK, N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX XXXX I opened a Citigold checking account with an offer stating I would receive XXXX Thank You points ( worth approx. {$800.00} ) after meeting certain criteria, such as depositing money and using a bill-pay feature of their account. I confirmed my eligibility for this promotion via phone with a Citi customer service representative in XX/XX/XXXX. Subsequently, I met the aforementioned criteria, a fact I confirmed with a Citi representative via their customer service chat, and was told to expect the XXXX Thank You points to be deposited into my account by XX/XX/XXXX. During this time I was charged XXXX monthly service fees of {$30.00} each. As of the current time I have recieved NO points or other opening bonus, as promised, and Citi now states that I " did not qualify '' for the bonus. 

Seeing as I had previously confirmed this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited XX/XX/XXXX, Citi has pulled a bait and switch. Despite several emails and " internal investigations '' on Citi 's part, they have suddenly decided and maintained that I do n't qualify unless I can find a postcard from 5 months ago showing the offer. This was a need that was never previously mentioned upon confirming eligibility or completion of requirements. I do n't keep mail around for 5 months, and NOTHING was ever said over the past 5 months about needing to keep that post card. 

Now I have {$60.00} of fees and I will not be getting {$800.00} worth of Thank You points. I 'm not alone. Many people are in the same situation as me. I 've done google searches and found forums full of people having this problem. It 's not right. I 've been lied to, and my money has been taken. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for, and they end their misleading marketing practices - I never would have applied for this premium account, otherwise. 

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 non-monetary relief
Consumer complaint received 2022-05-15
Company: Experian Information Solutions Inc.
State: NV
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:
My current situation is, that I have been victim of fraud, since my XXXX XXXX XXXX account was hacked.Were I was denied from the total access into my personal customer portal.Consequences of this evil criminal action.Honestly, i'm facing the worse nightmare ever.So whoever took ownership of my hacked account.Had the audacity to contacted every single individual from my XXXX friends list, a total of XXXX persons, wich i consider long amount.Using my identity, trying to obtain personal data information from them, for financial purposes.After this incident was brought to my attention, immediately I report my problem to the XXXX customer support.Staff members, that haven't reply me back till today 's date.Then a couple days after.I couldn't access my XXXX XXXX XXXX also from my two primary electronic emails address, we're I used to receive all my important personal events.Some of my debit prepaid bank cards was compromised, matter that is taking care already.Plus on my credit report it shows a dramatically amount of credit inquiries, the ones are impacting negatively into my current score.I start receiving emails orders confirmations from XXXX, XXXX, non authorized XXXX & XXXX app payments, regular phone text messages referring to personal loans, car purchases, such utilities bills debts that are not common, following thoses steps measures.So, after all this unexpected things start happening, i went to a local police station to file a report.There, the officers provided me a list with the steps for me to follow in order to resolve my concern.I filed a federal trade commission report fraud ( # XXXX ), another report to the XXXX & i contact my 3 credit report bureau placing an alert fraud & blocking the access to any of my personal info.

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 2020-06-10
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 filing this Consumer Financial Protection Bureau complaint against Capital One Bank concerning an unresolved disputed charge on my credit card bill in reference to the purchase and return of a defective XXXX XXXX  XXXX cellphone from XXXX XXXX XXXX  retail location in XXXX XXXX, CA. My repeated attempts to mutually resolve the matter with Capital One and XXXX XXXX have been unsuccessful. 

The Capital One case number is XXXX. Capital One is in possession of all paperwork necessary to resolve the complaint as submitted by the customer and XXXX XXXX with the exception, per their assertion, of a merchandise return receipt, which XXXX XXXX refuses to issue. 

I have demonstrated the follow facts of the case to Capital One. 

On XX/XX/2019 I purchased a damaged defective XXXX XXXX  XXXX cellphone from XXXX XXXX XXXX, which was presented to me in an unopened box as a fully functional undamaged device with warrantee. 

I returned the defective merchandise within the period and manner prescribed by XXXX XXXX 's published warrantee and purchase agreement. 

XXXX XXXX has acknowledged to Capital One that they received the returned merchandise in damaged condition. 

XXXX XXXX was left in possession of the returned defective merchandise by the customer, which XXXX XXXX also acknowledges. 

XXXX XXXX is refusing to issue a returned merchandise receipt citing superficial reasons possibly in violation of consumer law as to why they are refusing to issue the return merchandise receipt. 

The Capitol One representative has also acknowledged that given the facts presented XXXX XXXX should be compelled to issue the return defective merchandise receipt, yet Capital One refuses to move forward without receipt of the document. 

Capital One has stated the issue is open for review but they refuse to issue the account charge reversal nor will they escalate the complaint to MasterCard for further consideration in order to reach a satisfactory resolution of my dispute. 

Furthermore, although Capital One has acknowledged my written assertion of my Claims and Defenses rights pursuant to the Federal Truth in Lending Act, they continue to demand payment and charge interest on the disputed transaction amount. 

This should be a straightforward complaint to resolve yet Capitol One remains complicit and tied to XXXX XXXX exploitation of ambiguities in XXXX XXXX chargeback resolution procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I am currently unable to afford my debt due to going through a divorce and not having decent employment. I am working as a waitress part time, trying to find a teaching job in the area. I am on government assistance for health care and food stamps and with my income situation, I can hardly afford rent to support myself and my daughter, let alone student loans at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: CITIBANK, N.A.
State: MA
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Unauthorized transactions/trans. issues

Complaint:
It is impossible to access information to ascertain my balance on this card or the transactions that were recorded against the card. 

Information is supposed to be available by phone or on the Web site prepaid.citi.com. However, I am locked out of the Web site with no information on who to contact for support and the phone number provided on the back of the card for support is an automated system that will not respond to my card number and provides no option to actually speak to a human. 

Citi has obviously set this up to make it extremely dificult to utilize the prepaid card and track the balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation