BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
Company: EAST WEST BANK
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Dear CFPB, I am writing to file another complaint related to a previous one filed against EAST WEST Bank, with the reference number XXXX. 

EAST WEST BANK closed my previous complaint without providing a valid solution or addressing my request or concern. 

I kindly request your assistance in ensuring they comply with the necessary regulations. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: The CMI Group, Inc.
State: OH
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am not liable for this debt with XXXX Charter communications. I do not have a contract with credit management LP. They did not provide me with the original contract as I requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
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:
XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( portfolio recovery associates XXXX ) 1 ), has violated several of my rights 15 U.S.C 1681 section 602 A. Clearly states that 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions 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:
Method of Verification Request To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX XXXX XXXX verified the account they are reporting is accurate. Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each person contacted regarding this alleged account. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. The item in question is inaccurate and represents a very serious reporting error. I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately.

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 2023-01-31
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: Investigation took more than 30 days

Complaint:
The TransUnion Credit Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections XXXX & XXXX of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton oXXXX XXXX XXXX XXXX XXXXd like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or correct the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2006 Balance {$480000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04
Company: Credit Karma, LLC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Received by mail visa debit card with paperwork thanking me for opening this account. I did not open the account. I have contacted Credit Karma 3 times to close and investigate this use of my personal information. Three times they have referred me to their special team who would be getting back to me by email, which I provided and was verified by their agent. 2nd time I called back since I never received an email from them, I was told the case had been closed since my email was invalid. How can that be? They verified it. They had no response to this and started a new inquiry. Its been a day and a half, still have no email yet. I have been checking my email multiple times, along with my spam folder. This morning, I found on their website a location to send a complaint, XXXX hours ago, nothing yet. To me this is very poor customer service! 
I have filed a report with identity theft.gov and frozen my credit with the XXXX credit bureaus. Want to close this unauthorized account before it creates problems.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
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:
This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have an AMEX platnum card. The card gave me an offer that if I spent {$200.00} at XXXX XXXX I would get an {$80.00} credit. On XX/XX/XXXX, I stayed at the XXXX in XXXX Ohio for a total of {$250.00}. When I contacted AMEX, they advised me that in the terms, it states that the offer is only valid at 3 of the 18 XXXX XXXX ( excluding even XXXX XXXX  properties ). I feel that it is exceptionally deceptive and unfair to offer a promotion and then limit it to less than 20 % of the hotel brands. Had this been more clear and transparent, I would have stayed at a less expensive hotel.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
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: Credit inquiries on your report that you don't recognize

Complaint:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks 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 explanation
Consumer complaint received 2023-02-23
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Wells Fargo Letter/ XX/XX/2022 CFPB XXXX XXXX RE XXXX XXXX. 
SETTLEMENT ADMINISTRATOR XXXX XXXX  XXXX XXXX, MN XXXX INFO @ WFSETTLEMENT This information at the top of the letterhead regarging our address is CORRECT! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ. XXXX MY COURT ORDERED XXXX SETTLEMENT HAS NOT BEEN SENT BECAUSE BECAUSE YOU ARE ONCE AGAIN ESCAPING THE COURT ORDERED. 
XXXX HAS NO PROBLEM AND THE IRS KNOWN THIS IS MY ADDRESS. 
XXXX XXXX XXXX. IS HAVING PROBLEMS WITH WF. PLEASE EXPLAIN THE UNTRUTH THAT WELLS FARGO AND XXXX XXXX TO THE CFBD AND MYSELF!

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 2023-07-06
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I receive my final bill from the original creditor XXXX XXXX in XX/XX/XXXX. The due date for the bill was XX/XX/XXXX in the amount of {$55.00}. The bill was paid in full and the credit card account was closed. Soon after I started receiving bills in the mail associated with this same closed account. This has been going on for XXXX years and XXXX XXXX  dont even have my payment history in their system anymore to prove what I am saying about paying off my account. XXXX XXXX  was contacted on XX/XX/XXXX. Midland funding was also contacted on XX/XX/XXXX of XXXX and the amount in their system as well as the amounts from the bills that I have do not match up. I am trying to get this off of my credit as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
Investigation Request to Delete Credit Inquires To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I request that you investigate the source of these inquiries, and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN. 
I am disputing the following inquiries : 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 If your investigation reveals the inquiry is valid, I request that you provide me with your method of verification as well as the contact information of the source of this verification. 
I am allowing you 30 days to complete this investigation.

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 2023-10-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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 XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX has violated my rights XXXX Or a 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 2023-11-20
Company: CITIBANK, N.A.
State: CT
Product: Credit 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:
This complaint concerns a credit card provision that requires the holder to pay a minimum payment regardless of credits that are issued which satisfy the account prior to the due date. 

I had XXXX charges on my credit card account for XXXX purchases, XXXX for {$40.00} and XXXX for {$17.00} for a total of {$57.00}. XXXX was due by XX/XX/23. I returned a purchase and received a credit of {$21.00} on XX/XX/23 and paid the balance of {$36.00} on XX/XX/23, both prior to the due date of XX/XX/23. The credit and the payment totaled the balance due of {$57.00}. The credit card statement said the minimum payment against the {$57.00} due was {$41.00}. 

The credit card company notified me on the next monthly statement that I was delinquent by the sum of {$4.00} because I failed to make the minimum payment of {$41.00} required by the prior months statement, despite the fact that the credit I received and the payment I made totaled {$57.00}, the full amount of the balance due on the statement. The credit card company said the credit I received for the return could not be applied toward the minimum payment required and the payment I made of {$36.00} fell short of the required minimum payment of {$41.00} by {$4.00}. Therefore I was delinquent in the amount of {$4.00} and subject to a {$30.00} late fee, which they XXXX have credited. 

I should not be required to pay more than I owe. The credit I received and the remaining balance that I paid satisfied the total balance owed in full. Despite having satisfied the balance in full, if I am still required to pay the minimum balance, I will be forced to loan the credit card company {$4.00} for which there is no consideration and for which there will be no consideration. Note that the credit card company acknowledged that it received payment from the merchant for my return credit prior to the due date of XX/XX/23. 

In short, the credit card company received cash payments in full for the entire balance due prior to the due date but was still requiring me to pay an additional overpayment of {$4.00} to satisfy its minimum payment requirement for which I received no consideration. 

The credit card company, Citibank Visa, has no doubt issued millions of credit cards and is getting the free use of millions of dollars of their customers ' money in situations like the one described above. I'm sure that other issuers of Visa and Mastercard are doing the same. This is not right and should not be allowed to continue.

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 2022-11-16
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2023-01-31
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:
XXXX, Experian and XXXX are reporting items on my credit report without my permission.

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 2023-01-31
Company: Experian Information Solutions 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:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnished a account without my written instructions 15 USC 1666B- A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I have been doing business with SunTrust for roughly 14 years. After converting to Truist I started having problems. Most recent, I wrote a check to myself from another account, which I have been doing ever since mobile banking has been allowed. I live in a rural area and a branch is more than an hour away, so this is how I move cash or other money. I've probably done this 100+ times. I had funds not be paid at my other bank, which returned the check. I went the next day and put cash in the Truist account to cover the mishap. Several weeks later, I couldn't access my account online and couldn't see my husband 's payroll check deposit. I contacted Truist on XX/XX/XXXX and they claim it set off a fraud alert so they blocked all incoming and outgoing transactions and that the payroll deposit would be sent back. We waited for 7 days working with the sender with no notifications from Truist. I started calling Truist again on XX/XX/XXXX. Each day it was a different story. They said they did credit the account with my husband 's check, paid an outstanding balance of around {$600.00} and I had a balance of XXXX XXXXXXXX. I told them we couldn't go without the paycheck, they created a mess with bills I scheduled to pay and that I needed to pay my electric bill. Each day I've called and they state they will call back or that they will get the block off, but no response thus far. Now they're stating that due do old accounts, they haven't released funds. We need our paycheck and the problem resolved, but can't get any assistance from Truist after 6+ calls to them.

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