BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-13
Company: CITIBANK, N.A.
State: WA
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:
XXXX  charged me for a service they didn't provide they put the money back in my account Citi group still charged me I contacted them they claim XXXX is still trying to claim That's a LIE.I HAVE CONTACTED CITI CARD THEY CLAIM SINCE I HANDLED IT MY SELF I HAVE TO HANDLE IT!!!! I demand CITI SEND ME ALL TRANSACTIONS SINCE XXXX TO XXXX TRANSACTIONS.I can prove BEOND A REASONABLE DOUBT I DON'T OWE THIS.I HAVE WASTED OVER 5 HOURS WITH CITI DISPUTING THIS MATTER THAT TOOK ME 2 MINUTES TO SOLVE!!!

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 2022-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A judgment was entered against me in the XXXX XXXX Court on XX/XX/2022 by XXXX XXXX XXXX on behalf of Bank of America for {$27000.00}. The issue is that On XX/XX/2022 I entered into a payment agreement with XXXX XXXX XXXX to make 24 monthly payments of {$820.00} on a settlement balance of {$19000.00}. I made the first installment payment of the agreement on that same day, XX/XX/2022. I had previously paid one payment of {$500.00} and have made a subsequent monthly installment payment of {$820.00} on XX/XX/2022 due on the XXXX of each month. 

I am concerned that XXXX XXXX XXXX will attempt to collect more than the {$19000.00} in the full settlement document ( included ) after I have paid off the amount agreed.

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 2023-02-25
Company: Experian Information Solutions Inc.
State: MD
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 applied for a home loan and the lender ( XXXXXXXX XXXX ) received my credit report from XXXX. All 3 credit bureaus are still reporting activity as of this month on a closed account with the Police and XXXX XXXX XXXX XXXX. The account number ending in XXXX. This was a charged off account that was settled in XX/XX/2022 ; although the creditor did not report receipt of funds until XX/XX/2022. There has been no activity on this account since XX/XX/2022.

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: TD BANK US HOLDING COMPANY
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:
Dear Consumer Financial Protection Bureau, I am writing to dispute all negative reports on my credit report. I understand that the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) requires that any information reported about me must be accurate and complete.

I have reviewed my credit report and found several inaccurate and incomplete reports. I am requesting that you investigate and remove these negative reports from my credit report.

I have provided the following information to support my dispute : 1. XXXX XXXX XXXX, this has been paid off and resolved. 
2. Hard Inquiry of TD Auto Finance on XX/XX/2021, there was a double pull on my XXXX Credit Report. 
3. Hard Inquiry of XXXX XXXX XXXX, on XX/XX/2021, there was a double pull on my XXXX Credit Report. 

In accordance with 15 U.S.C. 1681, I am requesting that you investigate my dispute and remove these negative reports from my credit report. Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Contacted USAA about inapproprate Calculation on CD Interest for two mons. Stated contacting on XX/XX/XXXX and had several call that went on answered on errors on Cd interest caslculations. Calculations was not calculated on a 3.50 % yearly interest or a 3.45 % daily.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Bread Financial Holdings, Inc.
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have the XXXX XXXX credit card issued by Comenity Bank. I have had it for years and never been late. In XXXX 2022, I made a shoe purchase at XXXX for a total of {$110.00} and received the wrong size. Therefore, I spoke with customer service returned the shoes and included in the return box the explanation with a request for full credit. XXXX issued a partial credit for {$110.00} on XX/XX/XXXX22 based on what they called an oversight on their end. Per the {$7.00} balance, I have been charged {$90.00} in interest charges and late fees. My account was suspended, I have not been able to use it. I have been reported as delinquent to the credit bureaus. I called XXXX on a couple occasions, and was told I have to go through a disputes process. Despite the dispute the delinquency remained with additional late fees. XXXX XXXX finally issued a credit to the account for {$7.00}, which posted on XXXX/XXXX/2022. I need the interest, late fess, and delinquent history removed with a correction sent to the reporting agencies as soon as possible. I feel I've been treated unfairly and harmed as a result of not being issued the full credit on a timely basis.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX 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 inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
Company: MRS BPO, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MRP BPO is a collection agency for a XXXX  Internet account. I have resolved this matter before as to which the debt is connected to a fraudulent apartment that was at XXXX XXXX XXXX XXXX XXXX XXXX, TX. They bought this debt and now contacting me for collection. I want this debt to be removed and to which my information has been compromised due to the XXXX data breach. I have notified the XXXX, TX police department report no XXXX. I have notified them however they will not respond

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. Its been well over 30 days and nothing have been corrected. I feel my rights are being neglected and my issues are being ignored. Per 611 ( a ), a failure to investigate within 30 days justifies immediate removal of theses items from my credit report. It has been well over 45 days so I would expect the items to be deleted ASAP. I demand proper action be taken and these accounts be deleted immediately or I will file for litigation due to the mental and financial stress caused. Additionally, my information could have gotten in the wrong hands due to the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Chime Financial Inc
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Have filed multiple disputes with the company they dont issue temporary credit as required per Regulation E. They send generic autogenerated messages that dont address the customer concerns. I have received the same email now XXXX times with the same exact message.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
State: AZ
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX, XXXX XXXX XXXXD : # XXXX XXXX, XXXX 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 inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Bank of America unlawfully obtained my credit report in XXXX 2022. I did not authorize them to pull my credit. I have not applied for any accounts with them. This is a case of ID theft. I immediately called them on XX/XX/XXXX22 when I received notice they were working on my " application for the Bank of America XXXX XXXX XXXX XXXX XXXX '' and advised them I did not apply for this card. The reference # on the letter is XXXX. They told me it would take up to 90 days to remove the inquiry from my credit. I advised them this is unacceptable and I expect it to be removed immediately. To date, the inquiry is still on my credit and has caused my credit score to drop. I would appreciate your assistance in having this inquiry immediately removed. 

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 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In accordance with the fair credit reporting act XXXX account # 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. It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 u.s.c 166B : 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 non-monetary relief
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) XXXX XXXX XXXX, I presume that no proof of the Alleged debt, nor therefore any such debt. In fact therefore exists XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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 In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX  Account # 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 inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE 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:
In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX 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 an account without my hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I, XXXX XXXX XXXX XXXX XXXX am a consumer pursuant to 15 USC 1692a ( 3 ), 12 CFR 1006.2 ( e ), 12 CFR 1026.2 ( a ) ( 11 ), 16 CFR 433.1 ( b ) and 12 CFR 1005.2 ( b ) ( e ).

I have been scammed for {$10000.00} that was transferred via Bank of America zelle to the scammer, the scammer stopped answering my phone calls and text after receiving the funds. I have filed Claim # XXXX, XXXX and XXXX with Bank Of America to help me recover the funds. 

Bank of America shortly after, closed my claim that told me that they are unable to help me. Bank of America is XXXX of the founders of XXXX. I am really on my last dime, I need that money. 
I need help recovering those funds. The XXXX XXXX XXXX is protecting electronic transfer

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 2022-10-18
Company: EQUIFAX, INC.
State: AZ
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:
Unauthorized inquiries have appeared on my credit report by these creditors : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
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: Was not notified of investigation status or results

Complaint:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 explanation