BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Bank of America is discriminating against me I am XXXX and a senior. this is the second time I have had this problem with them. I called to lower my credit card limit a month ago on a prior CC and they needed a cell phone to verify me, but I DO NOT HAVE one!!!! talked to supvs etc best they could do was cancel that credit card a month ago instead, using my atm debit card code. I just got a new cc from them and wanted to lower the credit limit and they wanted a cell phone that i do not have to verify me again. I talked to a rep then XXXX the preferred supv then XXXX the team XXXX and the senior team XXXX XXXX was supposed to call me in 24 hours but they lied to me as she NEVER did. 
they would not use my atm card code to verify me, but they could verify me by email if I wanted to close my card instead. They are DISCRIMINATING AGAINST ME BECAUSE I AM A XXXX SENIOR who does not have a cell phone and I kept telling them I can not go to the branch to get verified! it is not convenient for me as I am XXXX, but they DID NOT care. I do have a checking account with them that has a large amount on money in it and have had it for over 10 years, but THIS is not good enough to verify me either to get a credit limit lowered. they verify my accounts every time I logon on by getting a code on my home phone, but again they refused to do that. 
This has affected my credit score and the ability to get a credit card from another bank! I was denied a week ago for a credit card and they specifically stated that my credit history showed that my credit history showed a high amount of unused credit compared to my credit lines. and also that I had had too many accounts previously which included closed ones like the XXXX Bank of America card that I had to close when they refused to lower my credit limit before. 
The other complaint is that each person I spoke to told me 1. the senior person would not help me and that they were probably NOT even available to speak to me at all. Each person told me the SAME THING AND SO I HAD TO tell them 3 TIMES EACH I WANT TO SPEAK WITH YOUR SUPERVISOR AND i AM NOT ASKING YOU WHAT YOU THINK THEY WILL SAY. Again this is not fair to seniors and XXXX people without cell phones, and there is no basis not to be able to use other means to verify our identity. CALL ME AT HOME, WHERE WAS MY ACCOUNT OPENED. CODE ON ATM CARD, last checking transaction etc. 
THEY ARE DISCRIMINATING AGAINST SENIORS AND XXXX PEOPLE LIKE ME WITHOUT CELL PHONES THIS IS AFFECTING MY ABILITY TO GET A CREDIT CARD ELSE WHERE!

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 2022-09-07
Company: Experian Information Solutions Inc.
State: IN
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 am a lawful consumer and my information and report was misused and I have false not 100 % accurate accounts and info on my credit report. 

I asked them to do a verification of everything on my credit report and they did and sent a generic response saying it was accurate. I did research myself and found inaccuracies on my report even after they said they did a full research. 

According to FCRA all have 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 says consumer reporting agency can not furnish an account without my instructions and consent. I was not given the opportunity for my information to not be shared and am now demanding that these items be removed including the following items : USDA  XXXX USDA  XXXX USDA 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 2022-09-07
Company: Bread Financial Holdings, Inc.
State: NY
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:
On XX/XX/XXXX I contacted Comenity Bank for my XXXX XXXX Credit Card. I was planning a larger purchase and inquired if I was eligible for a credit limit increase. The agent said yes and asked for income and how much I could pay on a monthly basis. Nothing was disclosed to me that a hard credit inquiry would be needed. I would have never requested this if I would have known that was the case. On XX/XX/XXXX I was notified from a credit reporting app about the new inquiry. I immediately called and asked for the increase and inquiry to be removed and reversed. They said that was not possible and did not express concerns that the agent did not disclose or capture my consent to perform a full credit inquiry. 

On XX/XX/XXXX I discovered that I would have had enough available credit to make the purchase originally and none of this was never needed. Comenity Bank is placing a double hold on a transaction from XX/XX/XXXX. The original transaction is already posted and they have an additional authorization holding {$3300.00}. I asked if that authorization could be removed or disputed since the original transaction is posted and reflected in my current balance. They denied my request to remove or dispute this authorization that was place in error. The only solution that they could offer me was to wait until XX/XX/XXXX for the authorization to automatically fall off. They also said I could apply for a second increase. 


I feel that Comenity is taking advantage of me. I would like the authorization removed and the credit inquiry to be reversed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: FL
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 bank reported a 30 days late payment notice to credit bureau on XX/XX/XXXX reporting that I have a past due payment for {$120.00}. A check for {$120.00} was sent to XXXX on XXXX XXXX which was cleared and cashed by XXXX on XXXX XXXX, But XXXX failed to post the check to my account due date on XXXX XXXX and instead they posted the check on XX/XX/XXXX, XXXX resulting in a late payment. 

In addition, payments record from XXXX credit card statement indicates that I have never failed to submit a payment on time. Therefore, I am not sure where is the 30 days late reporting is coming from. 

Upon contacting XXXX, They indicaed that there are a posting problem on their end and sometimes it is taking more time, which causing for the payments being misapplied towards different statements and invoices. 

I filed a claim with truist to correct the reporting on XX/XX/2022 and I have yet to hear from them. I filed a dispute with Experian on XXXX XXXX as well and I submitted all the evidance supporting my case ; however, they still did not remove the late payment reporting on my payment history which is resulting significant financial damage due to my credit scoring dropping more than 50 points which led to me not being able to apply for financing to purchase solar panels system for my property.

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 2022-09-07
Company: Genesis FS Card Services, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: NY
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 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  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the write to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furniture an 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
Consumer complaint received 2022-09-07
Company: Experian Information Solutions 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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-09-07
Company: DISCOVER BANK
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
As part of a house purchase I needed to sell stocks in various broker accounts and aggregate them in a bank account. Our title company requires us to to a Federal Reserve Wire. Since this is a large amount and might be an usual transaction I called my bank Discover Bank on XX/XX/XXXX to confirm whether I can make 1 ) a Federal Reserve Wire, 2 ) that I will be moving a large amount of money ( about XXXX ) into the account and use for a downpayment and whether there are limitations that would apply. At the time my account had about {$39000.00} in it. 

I was told, that despite the account being a savings account, that I should not have any problems doing a wire for a downpayment on a house and that the only restrictions are the 6 transactions per month. 

Based on this information I sold stocks in XXXX XXXX and XXXX and made large transfers into the Dsicover account. The most significant ones being from XXXX : XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and from XXXX XXXX : XXXX on XX/XX/XXXX. 

On Friday XX/XX/XXXX I initiated a transfer to the Title company of $ XXXX. Later that day I received a message from Discover to verify the wire by calling them, which I did. They said the wire will go through a security review and should transfer on XX/XX/XXXX. 

On XX/XX/XXXX the wire did not happen and upon my request and after talking with multiple representatives and managers I was told that my account had been flagged, specifically the XXXX deposits as being irregular and potentially fraud. To protect me, their client, and themselves, the money will be on HOLD until XX/XX/XXXX. Eventually I was told I could access {$61000.00}, but that would not be sufficient for the downpayment on the house purchase I was doing. 
I explained that I specifically informed the bank of these transactions and was given a green light and that this puts me into a financially very difficult position and we will likely loose the house were trying to buy. 
Also, the money has already been in the account for 2 weeks and Ive moved money from and to XXXX from this account before. 

Furthermore I was also suggested to review holding periods in Discovers terms, but the longest period I could find was up to 10 business days. 

I offered Discover to provide them with statements or anything they want to verify that the money is mine, Ive also been with them since XXXX, so they know my account and they know the XXXX account I move money from and to. 

The people I worked with were polite and nice, but there was no viable option offered as a solution. We also talked about closing the account, cashiers checks and ACH transactions, but all of them would not allow the full amount to be released until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Chime Financial Inc
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I noticed multiple transactions made between XXXX on my chime account for XXXX XXXX XXXX that amounted to $ XXXX. I disputed them via phone a process that started at XXXX and lasted at least until XXXX if not later. I received an email at XXXX saying that the investigation was concluded and I wasn't receiving any funds back etc. I specifically sent pointed out to them a minor child made the charges and beyond that the merchant happens to be a online casino of all things operated illegally by foreign company based in XXXX known as virtual gaming worlds. I believe I should be refunded for either of the two issues I raised let alone both of them. I also believe it takes more than 30min in the XXXX  to conduct an actual investigation, the quickness and ease with which they dismissed me is deplorable and outright negligent of their duty as a financial institution in this country.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have an account with TransUnion. I wanted to sign in to review my credit report. I could not sign in. The website said it would send a verification code to my email. I never got the email. I could not contact TransUnion Customer Service to resolve the problem, because they do not disclose a phone number on their website for Customer Service. All help offered on their website is self-help using their help guides. Credit Reporting agencies should be required to disclose a human help number on their website when their self help suggestions can not resolve the problem.

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 2022-09-07
Company: Experian Information Solutions 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:
For my XXXX XXXX Account, My account was noted at delinquent in XX/XX/2021. For this account, I had it set to auto-pay from my checking account. I do not know why the auto-pay did not go through for this account. I can prove that the funding account had the proper funds for this. XXXX did not notify me of this issue, and has now reported the payment as late.

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 2022-09-07
Company: Experian Information Solutions Inc.
State: IA
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 declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX XXXX How is XXXX XXXX and XXXX reporting this account type as open, while the account status being reported for all three consumer reporting agencies is closed? Which one is it? Is it open, closed or is it charged off? 
Why are there so many missing fields of information? Did XXXX XXXX XXXX not supply that information to you? 
XXXX XXXX and Experian is reporting the date last active as XX/XX/XXXX and XXXX is reporting it as XX/XX/XXXX. Which date is it? 

Why isn't XXXX XXXX or Experian reporting any payment history? When was I reported late with XXXX XXXX or Experian? What was my monthly payment? When was my last payment received for this account? 

This account is completely 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 explanation
Consumer complaint received 2022-09-07
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:
This is my countless endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX Date Opened : XX/XX/2012 Balance : {$67.00}

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 non-monetary relief
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting Act, * XXXX XXXX XXXX ( # XXXX ) < '' last XXXX of account number included for each '' 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 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 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 602A, states I have the right to privacy - 15 U.S.C 1681 section 604A section XXXX : Also states a consumer reporting agency CAN NOT furnish a account without my written instruction.

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