BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX XXXX XXXX is the company that is reporting to XXXX and TransUnion, as well as, XXXX  is also reporting falsely. They removed some reports from XXXX but they were not able to remove it from XXXX and TransUnion. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2016-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I joined the Bank of America for the sole purpose of a good rate of return from an inherentance i received, when i enquired it the BoA to open an account i was given a choice of a standard account which i feel suited my needs, at the time i was go through redundency from my job so i used {$5.00} to open the account after i transfered the money a few days had past i received nothing from the BoA to confirm the account set up so i emailed them to inqire what the hold up was after a day i received mail back from XXXX XXXX XXXX my account officer the standard account was no longer available and that i would need to take a more expensive account the Premium account at XXXX i had most of that but needed help so i called a friend of long knowing who lives in XXXX XXXX to assist me she agrreed to help with my account and did so, my money nearly XXXX usd was transferd in to my new account within 24 hours, after a few day i received mail telling me i could strat to transfer money to other accounts or my own here in the XXXX ( i am XXXX living in XXXX ) when i set the amount to transfer it would not transfer the funds i requested stating some thing about a cost of transfer fee, i emailed XXXX XXXX again and he told me that i needde to pay {$42.00} transfer fee to transfer money, why was i not informed about this why was i not informed about the Standard account being canceled why was things not explained to me? and why on Friday or Tuesday being it the XXXX break is my money being confinscated? and the account closed why can i not have money used to pay for this Cost of Transfer fee i just do not under stand why i can not have more time or why can the bank not alouw me to pay for the CoT out of my inhernance that they have in my bank account if you would please look into this as i feel it is unfair and to myself i feel as if i am being cheated of some thing i never know would come my way, and that i now have no money to pay my debts and have used all my redundancy payment just to oipen this account my friend also has paid {$37.00} towards the CoT she is tring to raise more but is finding things a little hard right now, so i feel this Bank of America has now put XXXX people deeper into debt, my self and my dear friend, so please help me with this matter my email address is XXXXXXXXXXXX XXXX if you need my BoA account number this i will provide on request, the account is in my full name XXXX XXXX XXXX XXXX, 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 explanation
Consumer complaint received 2021-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a dispute on XX/XX/XXXX with Capital One - there has been no update, and the merchant ( XXXX ) continues to charge my account despite my dispute. I had to call back and request that they block the merchant - something they should've done when I filed the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Medical Data Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed that a collection appeared on my credit files on all three major Credit cards Bureaus that do not belong to me, I have no knowledge of if this company that's trying to collect a debt from me. I need them removed my credit profiles ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: Experian Information Solutions Inc.
State: VA
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, 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 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 2020-04-13
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:
I just discovered accounts appearing on my credit report that are not mine.

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 2016-12-30
Company: Financial Credit Service, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
They continue to call and threaten to sue me if I do n't pay for an old debt that I have already paid over XXXX years ago. I kept telling them I do not owe but they said they will sue if I do n't pay. I do n't owe this debt. I just received a call and found out the company name. ARA inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
BofA has taken punitive and retaliatory action against me as soon as they received my complaint from CFPB filed on XX/XX/XXXX ( ID : XXXX ). you can see by the time line below that after the auto pay stopped working I was still able to use my card after the late fee was incurred. This is all verified by their records. Only after the complaint landed, they chose to abuse their power and cancel my card. With no notification I might add. This company is engaging in multiple actions of malfeasance and must be held accountable. 

XX/XX/XXXX My account charged late fee {$25.00} XX/XX/XXXX I used my CC successfully at XXXX XXXX store XX/XX/XXXX I filed complaint with CFPB XX/XX/XXXX I received email for XXXX XXXX acknowledging they received compliant. 
XX/XX/XXXX I called XXXX XXXX per her request in the email. Left V mail. 
XX/XX/XXXX I was denied use of CC for another purchase. 

Bank of America Cash Rewards World MasterCard Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA 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
Consumer complaint received 2016-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I have a checking account with Bank of America and i realize a fraudulent activities has been going on at the hours i 'm at work which cost me a lot of problem, like missing my Creditcard payment, Auto Insurance payment and my rent. I called the bank and told them all that was going on and the provided me with a temporary credit. Bank promised of carrying out investigations over the transactions, only for them to say my claim is closed and investigation is completed, telling they see i was the XXXX authorizing the transactions.I ask how would i be so stupid to spend my money and still come back to the bank and claim something that i spent.I went in to the bank on XXXX/XXXX/2016. I had a word with the Relationship Manager in the name of XXXX. He put me on the phone with the claims department once again and they said they will reconsider the investigation. Letters from the bank came through the mail with the same line they used " We completed the investigation and we realize the transaction were authorized by you, So therefore, all the credits that was provided will be debited off my account. As at today XXXX/XXXX/2016 at XXXX I checked my account balance via mobile banking and i see a negative balance of ( $ XXXX ) and this is unacceptable. Imagine a bank representative asking me if i want them to prosecute the person using my card ... I replied with a yes and i should n't tell them to do that. I believe they should know better. So please i need my money bank and i need to clear off the negative balance in my account. 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 2017-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Opened a loan with Bank of America in XX/XX/XXXX. Made my final payment in XX/XX/XXXX, the home was foreclosed on in XX/XX/XXXX. 

Why is this still showing negatively on my credit report in XX/XX/XXXX? 
Real Estate XXXX XXXX scheduled payment : {$2400.00} High Balance {$320000.00} Opened : XX/XX/XXXX Bank Of America Creditor Address : XXXX FL XXXX XXXX Fl XXXX Phone : XXXX I would like this 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 explanation
Consumer complaint received 2017-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to dispute a situation with  XXXX   XXXX . They are reporting a negative home equity line of credit account to the credit bureaus of Transunion and  XXXX . It is pa st the seven yea rs that this item should stay on the reports and it should now be removed, however, they are incorrectly reporting it for a much longer period of time.     There has been very strange activity with this  XXXX   XXXX  account on the credit bureau reports. I am disputing items and requesting written documentation from  XXXX   XXXX  documenting payments made from  XXXX  to  XXXX  as well as multiple consistent 120 day late entries from  XXXX  to  XXXX . I have made absolutely none of these payments! Actual pictures of the check or money order used to make the payments are being requested. It would seem as if the account was re-aged consistently over several years from  XXXX  to  XXXX . If, in fact, this was the activity being performed then it was without my involvement and consent and why I have brought up the matter with the Consumer Financial Protection Bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX 2021 I applied for a Home Equity Loan at TD Bank in XXXX XXXX with loan officer XXXX. I was approved within days. All paper work was filed, appraisal was completed on my CO-OP, Questioner was sent from my Property Managers office ( I also paid for it out of my own pocket 150. ) Was waiting on a closing date after about three months and then was told second under writer said they don't offer Home Equity Loans on CO-Ops. I was advised not to pay my personal loan during the process cause I would be getting the funds from the Home Equity Loan. So I am now behind on that loan. 
I was told they escalated the situation to the higher names but I still havent heard a response nor its been two weeks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-22
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:
This Credit Reporting Agency refuse to update my personal correctly according to the FCRA! I Tried numerous times sent numerous request to no available.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I was not even aware of the transition from XXXX XXXX now to Naviet. After realizing all of the interest that has increased and how much it was impacting my credit and progress, I signed up for a repayment plan for about a year now and my overall payment has not decreased. I feel like I was cheated, I have XXXX loans and I still ca n't seem to figure out why the balance is as high as before I started making payments just to keep it from reporting negatively on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
Several years ago I had fraudulent charges on my citi card # XXXX and Called to cancel my card and dispute the charges, however CITI failed to remove unauthorized charges or help me to resolve this fraud issue and left me in full responsibility for the purchases I did NOT make or authorize. In order to save my credit from being damaged even further I agreed to installment payment via auto pay to CITI which I have been paying for serveral years now ( see attached proof ) however citi STILL reports this account as a charge off on my credit report EVERY MONTH which causes further damage to my credit on the monthly basis even though I 'm paying on this card every month as agreed ... 
Please help me take this off my report! my numerous attempts to deal with citi went ignored and I always end up being transfered to one person to another and they eventually hang up on 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 2021-12-21
Company: EQUIFAX, 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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The companies involved is XXXX, Equifax and XXXX. I recently request my credit report from free XXXX XXXX and it's a lot of aliases on my report, old addresses, phone numbers, old employment and inquiries that i never even made. The credit bureaus are reporting information that's not associated to my account. For instance, there's an address that's on my account that's 7 hours from my home address. All of these incorrect items are stopping me from getting a home, car, etc. I would like for the incorrect items on my report to go to it's rightful owner. The credit bureaus are using public record to look up my name and end up attaching someone else file to my credit report. Please investigate the negligence of the credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2016-12-01
Company: CITIBANK, N.A.
State: MD
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 hope this finds you well, Over the past week, Citibank has repeatedly called me in an attempt to reach my wife ( XXXX ) and to collect on some current that she owes ; I am *Not* a co-signer on any of these debts. 

Not only have they continued to harass me while at work via my personal cell - they also identified that they were " Citibank '' which is also a violation of CFPA by giving out the institution where debts are currently owed.

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 2016-04-20
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
On XXXX/XXXX/2016 cust received a alert on her phone informing her of {$900.00} worth of charges on her Macy 's account. 
- XXXX called Macy 's and informed them charges were fraud. 
- XXXX submitted info requested by Macy 's which included PR and Identity Theft Affidavit certified mail on XXXX/XXXX/2016 and also faxed info because they stated they never received info. 
- XXXX has been receiving bills monthly from Macy 's for fraud charges and recently received collection notice this week. 
- XXXX called Macy 's on XXXX/XXXX/2016 and was on the line for about 3 hrs until she was transferred to XXXX with the Consumer Protection Group at Macy 's. 
- XXXX stated she would place a note on collection file, process info and to allow 2 billing cycles for charges to be investigated and be removed, case # 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 monetary relief
Consumer complaint received 2015-10-06
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I have a checking and saving account at XXXX Bank. On XXXX XXXX, 2015 I canceled a recurring debit of {$490.00} payment from a company by the name XXXX. Meaning I no longer authorized for payments. I do n't owe XXXX I canceled my contract with XXXX in XXXX 2015. On XXXX XXXX, 2015 I had a direct deposit cleared, the canceled payment of {$490.00} was debited from my saving account on the XXXX XXXX, 2015 but, back posted on XXXX XXXX, 2015. The funds was not in my account on XXXX XXXX, 2015. XXXX Bank knows I have direct desposit bi-weekly so, the payment cleared and I was charged a fee for not having the fund in my saving on XXXX XXXX, 2015

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