BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-23
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX did a hard credit inquiry on my credit WITHOUT my permission. 
The reason why they did it without my permission is because I have a SECURED visa card that is secured with my own funds. 
In order to increase the credit on this type of account, you have to request a credit limit increase in writing by submitting a cashier check or money order and a written request to increase the credit amount on this type of secured visa credit card. 
In the letter, you also have to state your gross income, and monthly rent amount. 
The instructions on the letter did not say they would have to do a HARD credit check. 
This is wrong and fraudulent and misleading to do a HARD credit inquiry on a secured visa card. And whats so disappointing is a regular credit card never did any type of hard credit inquiries whenever i requested a credit limit increase. I have a master card and a 2 store credit cards and never ever have they ever did a HARD credit inquiry. 
Now, i understand, if i was trying to apply for a new credit with a new card, yes, i would expect to see a HARD credit check, but for a secured credit card that i had for over 6 years, that i personally funded with my own money, and you still do a HARD credit inquiry? this made me so upset and mad because this company does not want me to succeed at all. And i decided to give my secure my funds with an existing credit card, if i would have know that they were going to be evil and do a hard credit check, I would have gladly opened up a new credit card with the intentions of seeing a Hard Credit Check because of this new credit card. 
I already wrote to XXXX XXXX and they replied back. I also submitted a dispute to XXXX  credit bureau. 
The date this hard credit inquiry occurred XX/XX/2020 2020

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 2016-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Toward the end of XXXX XXXX my father died. He had XXXX bank accounts at Bank of America. XXXX of those accounts were simply in his name, XXXX was in the name of the XXXX XXXX. Beginning in XXXX, XXXX I went into the bank with all necessary ( which I believed necessary, as I had already dealt satisfactorily with XXXX XXXX Bank -- where my father had XXXX accounts ) documents, such as death certificate, the Trust document proving I was the only heir and Successor Trustee all my ID ( and may I state my husband and I have considerable funds deposited in B of A. ) Starting in XXXX, I was made to come in XXXX separate times ( and the result is still in question ) to settle this matter!! Each time the bank manager went to the back, supposedly faxed all necessary paperwork to their Trust Division ( which happens to be back XXXX ) and said " It 's all done, just wait for the check in the mail. '' Within XXXX3 weeks I would then receive a letter from the Trust division stating they still needed paperwork. Not only was I getting upset, the bank manager was also -- stating this never happened before. Although I am not in need of the monies, I began thinking of people who may actually need funds soon after a death -- to pay for funeral expenses, maintain a house that existed in the will, etc. I began thinking the B of A. seems to be unnecessarily stalling people from getting what is legally theirs. It has been over three months!! and I still have n't seen final resolution.

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 2021-12-17
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There were couple of fradulent ATM trasnsactions occured from my citi debit card. One from my checking account for the amount of XXXX dollars and another from saving account for the amount of XXXX dollar. Citi bank is not honouring their claim of XXXX liability against fraudulant transaction. I submitted police compliant with my claim that it were fradulant and was not done by me. WHile they honoured my XXXX dollar claim and gave my money back. But they are not accepting the XXXX dollar claim. XXXX dollars atm withdrawal happened on XX/XX/2021 at XXXX XXXX and XXXX dollars atm withdrawal happened on XX/XX/2021 XXXX XXXX. There was an email at XXXX XXXX which says my debit card was unlocked using citi customercare representative. But it was not me who called the bank. Citi bank accepted the XXXX dollar claim and gave my money.But for XXXX dollar they are denying my claim. Both the ATM transaction occured on same day with XXXX mins difference.

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 2015-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Hello, So a couple days ago I had gone in to apply for an apartment and received a notice back saying I could not be accepted because I have a consumer frozen file. I have gone into the XXXX credit bureau and spoke with all three credit bureaus on the phone and was told because I have absolutely no credit there is no files that come up under my name. I have received the document the apartment is seeing and it does show that I have a consumer freeze. Please help me as soon as possible so I can get into my new apartment. If there is a freeze I would like it removed immediately!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Rewards

Complaint:
Bank of America closed my credit card account without any advanced notice. I had XXXX reward points that I now have no access too. My credit card payments were on time and my balance was only XXXX % of my limit. When I called to redeem my points they said they were forfeited. I believe this is unfair and illegal practice.

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 2017-05-25
Company: EQUIFAX, 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: Account status incorrect

Complaint:
There are mistakes appeared in my report. I have never paid late these account ] :   XXXX   XXXX    XXXX  -  XXXX   XXXX    XXXX   -  XXXX   XXXX    XXXX   XXXX   XXXX   -  XXXX   XXXX   XXXX   XXXX  -  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: EQUIFAX, INC.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax removed an inaccurately reported banruptcy on XX/XX/2020 from my account and then re added the account XX/XX/2020. I was not notified that the banckruptcy would be re added.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The following addresses are incorrect: 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
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:
I previously requested that you provide original contracts for the items that I previously disputed. I have reason to believe they have illegal collection fees not explicitly agreed to or expressed in my original contract with the original merchant. 

Please DELETE any accounts that you can not provide the original contracts for that show the lawful collection fee amount. 

XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX {$810.00} XXXX  XXXX {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: Reliant Capital Solutions, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Education loan opened without me being present to open it on campus with financial aid office. Previous attempts of retaliation by XXXX through collection agency we're removed by CFPB ( should have record ). XXXX has not responded to validation request to restart original payment plan from XX/XX/XXXX at present income allowance via income based repayment. 

I received notification about seven days ago that my credit had changed and had not noticed it until today the XX/XX/XXXX. This is an additional attempt by XXXX to extort funds in retaliation for a Title IX investigation that was opened by me due to behavior of people that were living in our dorms. I was asked to leave campus and have not been back to open any education loans nor have my attempts to follow through with those efforts been responded to by those who initiated the order from me to not to resolve matters, in person, on campus. 

Reliant Capital Solution is requested XXXX which I believe XXXX was looking for XXXX originally and they have no responded to my certified letter. 

To my knowledge I have not taken out any new education loans with Reliant Capital Solution nor XXXX in XXXX. The only debt I had with them was in XXXX Cashier 's office from XX/XX/XXXX and it was on an on/off payment plan due to me being homeless at the retaliation of the school.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-26
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was Told Buy Iberia Bank To provide Information From XXXX to verify that previous Matter Have been resolve and nothing negative to report did so in a respectful manner they made spend my hard earn money faxing over them the documents from XXXX .After they information was receive they told me they will not open my account because of fraud or anything negative from other banks its because I have to many inquiries and the account sales man said I quote " I do n't feel comfortable opening accounts " I said why he said to many inquires and I 'm just not going open them I said you made me spend my money faxing you XXXX documents and your not going to open them he said no sorry about that so bye '' Wow '' So this your customer service department Iberia Bank you can let your employees determine the judgment and discrimination base on their own agenda after I qualified for A bank Account?

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 2020-03-24
Company: Netspend Corporation
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I opened my mail today and recieved a debit mastercard from Brinks Money, which I never applied for. Had my name on it as well as my  current address.

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 2020-03-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$6300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account.

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 2015-06-27
Company: Focus Holding Company
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I got a call from the number XXXX saying "this is an attempt to collect a debt on my name from Focus Receivables Management" and that I should call back at that  number.
I know I  do not owe any debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
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:
XX/XX/18 - A Fraudulent security alert was placed on my Experian Report, XXXX / XXXX. - A credit card For XXXX XXXX  XXXX  was opened and I was never informed and Never Opened that credit account!! 

I didnt notice until I checked my XXXX  report that it was up there, but XXXX removed it, Now I been dispute it was Experian but they no help and sent over all the info! 

THE QUESTIONS IS HOW THE ACCOUNT WAS OPENED IN THE 1ST PLACE WHEN A FRAUDULENT ALERT WAS PLACED ON MY 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 explanation
Consumer complaint received 2020-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Tried to lower my interest rate on my Capital One Credit Card and they keep denying me. How am I suppose to pay off this debt during the covid-19 crisis? 

My current interest rate is 26.40 %. Ive been current for the past 9 years with them. Never missed a payment and payed back thousands!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Issue: Billing disputes

Complaint:
I worked XXXX for 14 years ( XXXX ). I used my Bank of AmericanXXXX credit card for both personal and corporate charges. All charges were reconciled monthly and paid accordingly. If it was a company charge, the company paid directly to Bank of America. 
If it was a personal charge, I paid for it personally. 
In XXXX and for the previous 3 years, I was XXXX. 
In XXXX of XXXX, the company was forced to close due to XXXX the partners actions. 
Bank of America filed a lawsuit against XXXX for charges made to my Bank of America card. These charges that were made XXXX XXXX. XXXX was not able to pay the charges at that time. Bank of America then came after me personally - almost 4 years later and they slapped me with charges of over {$110000.00} plus fees I continued to pay my personal charges monthly until XXXX, when they did this and would not budge. 
I lost my career, mother of XXXX, wife of a XXXX. Bank of America said they would remove the charge, but the would have to write it off as income to me and issue a XXXX. Clearly, I can not afford that nor the tax implications - this was not my responsibility. I explained to the Bank of America attorney that if they did this, it would force me to declare bankruptcy ... ..they said they certainly did not want to do that ... .... 
I called and emailed and talked with Bank of America, their attorneys, customer service agents, special agents, etc ... ..no resolve. I have sent my enclosed documents countless times. 
It has been 7 years. My husband and I are trying to obtain a loan to build a home for our family. We are not able to because of my credit due to this situation. 
I ask for help. 
Our company had strict policy/procedure how to manage expenses. We had XXXX employees. Many who traveled all over the world and had the same abilities to use personal credit cards for company expenses, and have them paid monthly by the same process - of which is detailed in my attachment. 
NOT ONLY did they do this to me, they did this to XXXX XXXX for approx $ XXXX documentation also attached. 
I need this removed from my credit. I need to be treated fairly - I need my credit to be back to what it once was. 
Please let me know what i can do to help you help 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 2015-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am in foreclosurei was giving a home loan at 100 % financingPLEASE HELP ME AND MY FAMILY SAVE OUR HOME ....

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$6300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account.

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 2020-03-24
Company: Darnel Quick Recovery, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XXXX upon trying to refinance my home the mortgage company advised me that there was a lien against my home from a company by the name of Darnel Recovery, I was in total shock as I have never acknowledged this matter or was served this documentation by the local authorities back from 2007. I called to speak to XXXX XXXX and she stated that I needed to send my id through a email and that the document indeed was me, now the problem I have with this is that My HIPPA laws have been violated my information has been released to a third party. They are in violation of the Fair Credit Reporting Act twice over. First by the original alleged creditor giving my information to a third part debt collector and secondly by submitting the Medical debt to the Superior and Magistrate Courts in both XXXX and XXXX county where I do not reside at which there was a lien judgement against my home. I would like to see a validation of Debt and HIPAA authorization because I didn't authorize my information to be shared nor did I receive any information by mail or from any proper authorities.

Company response to consumer: Closed with explanation