BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Bank of america ofered to send me a transfer XXXX  XXXX XXXX  from my edd debit card because there was an issue with my replacement card. So in the mean time they offer the option to wire me some money from my account. So my edd card was debited {$2000.00} plus {$10.00} fees. I was provided with a confirmation number and when i try to pick up the money at XXXX XXXX XXXX they told me that the trsnsaction was cancel because bank of america never release the money to them. So i call bank of america N they said that XXXX XXXX XXXX cNcel the transaction. So i dont know whats going on but now bank of america its telling me that they waiting to gwt the money back from XXXX XXXXXXXX so they cab refund me the money. Its been 15 days and still havent receive my money. And they now telling me i have to wait 45 bususbes days.

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 2023-07-29
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
All three credit bureau I have sent letters I even filled out a report here I have not gotten any emails or replies from this company XXXX and I asked that you guys please challenge all 3 credit bureaus which u have not my credit is affected by inaccurate information and this is almost the tenth time Ive filed out this report to get this company to help and only one bureau has been contacted by cfpband Im highly up set because I have not been notified of any charges in my consumer complaint and I will have to take a different approach if this is not resolved I have a XXXX credit score and can not obtain a simple credit card and someone and something is wrong with that I need answers because this is not right or legal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: CITIBANK, N.A.
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:
I have a citi best buy account. great card no issues. However on CITIBANK NA, BEST BUY ( Bank ) XX/XX/2022 i had asked for a credit card increase. I was told by there customer service rep this would only be a SOFT pull that's why I did it. When I later looked they had made it a hard pull and explained how the customer service rep provided wrong information. They had told me would give me a courtesy an remove the hard inquiry for the increase for being a valued customer but it had never happened. I have tried on multiple times to fix this since and it has never happened. I have no issues with the credit card, the store and bank. I will continue doing business with them as there company I always recommend.

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 2023-07-30
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2023 around XXXX a fire broke out in the multi-unit building directly behind my property. The address of the fire was XXXX XXXX XXXX XXXX in XXXX XXXX, NY. The fire burned every apartment in the building which contained at least 20 units and took the Fire Department nearly 12 hours to put the fire out. Millions of gallons of water were sprayed into the building leaving my property with a 6 feet of water in my basement and damage to the roof causing leaks into my home. My property was deemed unfit for human occupancy due to my electric panel, boiler, furnace and oil tank being submerged in water and damaged completely. With no electricity or gas this left me and my tenants displaced.. I can not collect rent for either unit to assist my mortgage payment neither can I live in my own property and I am forced to find shelter wherever I can until my home is repaired and declared fit for occupancy by the city again. Due to this I am requested a Mortgage Hardship and would like to know the best options available to me. I plan on keeping the property, I just need hardship assistance until I can repair the damage and get my tenants back to assist with my mortgage payments. My Mortgage payment is currently {$4900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: ALLY FINANCIAL 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 information incorrect

Complaint:
XXXX different hard credit inquiries have been submitted by an unknown person and without my authorization. 
The first one was submitted in XX/XX/XXXX by a company named XXXX XXXX. 
XXXX XXXX XXXX XXXX, Georgia XXXX ( XXXX ) XXXX A second hard credit inquiry was made in XX/XX/XXXX by Ally Financial XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX I have not apply for any loans, credit cards, or have authorized any credit inquiry.

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 2023-07-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Attached is evidence of wrongful furnishing of information on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have a ck acct w/ the Bank of America . I continue to be assessed a " check image fee. '' I have never asked for or authorized that ck images be included with my monthly statement. The fee appears about every six months. I waste my time in call BofA customer service to reverse and halt the fee. I advise I do not want the fee in the future. But, about every six months it shows up again. I believe this is a fraudulent scheme by BofA to increase revenue from fees. Surely, BofA has the capability to permanently turn off this fee in my acct. Their failure to do so indicates this is an intentional act.

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 2023-07-31
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XX/XX/2023 - I went into XXXX and when I was at the front desk purchasing the clothes the front desk representative asked if I wanted a card that would save me 20 %. I thought it was a discount card that most places tend to offer thee days. So I applied and she said " you did not qualify '' I asked if it was a credit card that I was applying for and she said " Yes ''. She didn't inform me that I was applying for a credit card.

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 2023-07-31
Company: JPMORGAN CHASE & CO.
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I could not login. I called Chase and left my call back number. The system said it would take 13 minutes for a call back. I did not get a call back and it's been 5 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/, I contacted card issuer requesting more information on XXXX unrecognized transactions on my card totaling an excess of {$5000.00} dated XXXX and XXXX 

It has been 10 days since my original contact and card issuer has failed to explain or provide any additional information whatsoever about the transactions. 

Furthermore : XXXX. My credit limit was already maxed out before these unrecognized transactions were made. However after the transactions, my credit limit seems to have grown to automatically accommodate the fraudulent charges, which were not authorized. 

XXXX. I have failed to reach the credit issuer company at the provided phone number of XXXX. Calling said number results in an out-of-office message. 

XXXX. Card issuer has still not blocked my card or taken customary account protection steps. 

I have enclosed the full chat history with card issuer, where only have I been able to reach them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit 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 have been dealing with fraudulent charges on my Macy 's account since 2019 and they have refused to settle the fraudulent charges and remove the delinquency from my consumer credit reports. These charges are documented in a police report and several notarized Identity theft affidavits.

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 2023-07-31
Company: Cedars Business Services, LLC
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: Information belongs to someone else

Complaint:
CEDARS BUSINESS SERVICES are reporting a debt from original creditor XXXXXXXX XXXX from XXXX on my credit report. I don't live in XXXX for XXXX  years and I never had a debt in there. I asked them for the original information and it's complete IDtheft. I asked them to remove from my report and stop reporting. they still reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Block, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
After pay have the rudest people. They are not Americans. They talk to ppl any type of way. I was a loyal customer over 4 years. Never missed a payment. They are rude. They are heartless. They do my care. Its too much to type.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
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:
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. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am not liable for accounts that are reporting on my Credit file and credit report. These accounts aren't mine but are reporting as if I obtained credit cards, opened bank accounts, opened phone accounts and medical bills. These accounts are as followed. XXXX XXXX XXXX  on XX/XX/XXXX, XXXX  XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. These accounts are not mine but are on my credit report. Ive also asked for original contracts from all above named companies but have yet to be provided with as requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
Company: RentDebt Automated Collections, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX XXXX i reach out to the company and was told this account was not mines i was giving a number to call XXXX -- XXXX the woman told me that the DL was not of mines and SSn

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Today I received a letter from I.C. System INC. 
Said I owed money to XXXX XXXX, but I never Used their company 's cell phone service. I remember around XXXX last year, There is a XXXX XXXX bill that shows up on my credit report. 
I then called XXXX and also called my credit reporting company to dispute. They said they would follow up on it. Then they removed XXXX XXXX from my credit report. Until today, I received this letter from I.C. System INC? I don't know what to do, I can only turn to you guys for help! Hope you guys can help me!!! thank you all!!!

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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX XXXX XXXX reporting that I have missed XXXX payments since XXXX, and have a {$200.00} balance. I have called and verify that I havent missed a payment and am in good standing, and was told that I would have to contact each of the credit individually to fix this error in reporting.

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 2023-08-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
According to the fair credit reporting act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify trough the physical verification of the original signed document contract - any and all accounts you post on a credit report.

Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account, I expect to see an original proof of the accounts that Im listing below XXXX XXXX XXXX account : XXXX {$1800.00} comments : Not mine XXXX XXXX XXXX account : XXXX {$330.00} comments : Not mine XXXX XXXX XXXX account : XXXX {$0.00} comments : Not mine XXXX XXXX XXXX account:XXXX {$0.00} comments : Not mine XXXX XXXX account : XXXX {$330.00} comments : Not mine XXXX XXXX account : XXXX {$0.00} comments : Not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
Company: EQUIFAX, INC.
State: MD
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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
Company: EQUIFAX, INC.
State: IN
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 am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because, according to 15 USC 1681. I have the right to privacy and I did not give Equifax written permission to furnish these accounts Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX / XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Shellpoint Partners, LLC
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Filed for a VA mortgage, XX/XX/2023, no money down due to closing of old home and after closing of the new home. Also selling short-term rental condo in XXXX XXXX XXXX XXXX Fl. 
Intention of using proceeds from sale to recast our mortgage within 2 months of closing and lowering our monthly payment. This attractive feature and having between $ XXXX $ XXXX was the main reason for applying for the mortgage with New Rez. Purchased {$470000.00} home and approved for such, again with recasting loan within first 60 days. Never told of any restrictions. Paid first mortgage XX/XX/2023 called New Rez for re-cast instructions on how and where to send monies. We were given an address to wire money. Thank God our current bank which holds our money would not let us wire such a big amount of money, based on verbal instructions to be sent via email and because of the XX/XX/XXXX holiday we were told we had to wait XXXX hours before they could send email. Again, no restrictions. third phone call to New Rez several days after not receiving wire instructions. This person said they would take care of not only advising the correct department of our intentions but promised to email wire instructions. She affirmed we would be good candidates for recast. Again no restrictions. She told us it could take up to XXXX weeks to receive a letter of approval. 
Ok, XXXX phone call. Rude lady who told us we can not recast VA mortgage. News to us. Said we would receive a letter of denial. NEVER RECEIVED! Got our mortgage broker involved. She is told nothing. New Rez does not return calls nor do they share any information. XXXX finds out New Rez sold loan and new company not accepting recast. Never were we advised of this. 
Now we have a $ 3268 monthly payment which could bankrupt us. Solution suggested refinance which sill cost us fees and higher interest rate. 
Someone needs to fix this and make good on the money we have to spend. 
Help, please. Make New Rez recast our loan so we can lower our monthly payment. 

XXXX and XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Tn. XXXX New Rez account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: VA
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief