BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-23
Company: CITIBANK, N.A.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There are time limits governing when a creditor can sue you for a debt. These laws are called statute of limitations. In Maryland, the statute of limitations requires that a law suit be filed within 3 years for written contracts to include credit cards. 

SEARS/CBNA made three erroneous updates on XXXX report with 2 accounts ending in XXXX and 1 account ending in XXXX. Then on XX/XX/2018 SEARS/CBNA went on XXXX   looking for another dispute from me, changing an account to read XXXX using company bureau ID 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 2021-07-21
Company: EQUIFAX, INC.
State: OH
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:
ATTENTION EQUIFAX, XXXX, XXXX XXXX XXXX THIS IS XXXX XXXX, THIS IS NOT A THIRD PARTY REPRESETATIVE. ALL THESE STATEMENT ARE FACTUAL AND MY OWN WORDS. 

On XX/XX/2021 I sent a letter regarding accounts on my consumer report which are in violation of federal consumer protection laws and that I requested to have remove because of such reason. I've recently mailed a follow up letter on XX/XX/2021 via certified mail to address the inadequate investigations into the incorrect information you have listed on my consumer report.

Regarding the accounts named ; US Department of Education. There are four different account with four different balances, two different opening dates, and one account number. And you claim these are accurate and valid but have yet to prove it pursuant to USC 1681g.

Along with the violation listed below that has been quoted from my letter, " Pursuant to 15 USC 1681 a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device shall be excluded from my consumer report. According to Congress the definition of a credit card is the same in 15 USC 1681 as it is in 15 USC 1602. Pursuant to 15 USC 1602 ( l ), the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice Congress said ANY card. The credit card is my social security card. '' And lastly with the major violation " pursuant to 15 USC 1692e ( 14 ) which prohibits. " The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. On my credit file it does not state the true name of the debt collector Which is a third party contracted to the alleged debt. ". If the prior investigations were done properly and under the statue of the law we wouldn't have this issue. 

When I call and relay these concerns to your customer service staff I receive rude and unsatisfying service that tends to ruin my day. I do not appreciate the harm and damages done by your agency due to your carelessness for consumers through your improper reporting methods.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: MoneyLion Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Took out two loans with money lion. Neither were reported both have been paid in full. Further they are now holding the escrow amount after the loan was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: ALLY FINANCIAL INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
RE-INSERT THE FOLLOWING ACCOUNTS, XXXX  XXXX XXXX  ( 2 ACCOUNTS.XXXX/XXXX, ALLY FINANCIAL, 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 2019-11-20
Company: JPMORGAN CHASE & CO.
State: WA
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:
CHASE BANK needs to remove late payment history from my records. 
Affecting my ability to get a loan. 
There was a dispute, the loan # XXXX had bank fraud involved with it. 
The loan was corrected, and paid off. Check # XXXX for {$160000.00} XX/XX/2010 was never returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Klarna AB
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
The ability to make payments through their app was modified and i was not able to log in, i had to mail in a payment and then i received a late fee because i didnt make the payment on time. Their faulty app not working was the reason i couldnt make the payment on time. They refused to waive the late fee and they are threatening to issue more late fees if i don't pay the late fee

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
unlawfully Interruption of Charge Privileges I HAVE AN AMERICAN EXPRESS CARDS THE DUE DATE IS THE XXXX OF EVERY MONTH XXXX IS CHARGE CARD THE I HAVE TO PAY IN FULL EVERY DUE DATE THE OTHER XXXX IS A CREDIT CARD THIS IS THE SECONT TIME THEY PUT A HOLD ON MY CREDIT CARDS WHEN IS NOT EVEN CLOUSE TO MY DUE DATE AND THEY ASK ME TO MAKE PAYMENTS EARLIER THEY REQUESTED ME TO MAKE PAYMENTS BEFORE THE DUE DAY OF MY PAYMENT AGRETMENT ACCORDING TO THE AGREEMENT OF THE CONTRACT THAT I DID WITH THEM AND THEY DO THIS ONLY TO THE XXXX AND OTHER XXXX THIS COMPANY AMERICAN ESPRESS HAVE A HISTORY OF PROFILING IN THEIR COSTUMERS SPECIALLY ON XXXX AND XXXX PLEASE OPEN AND INVESTIGATION AND MAKE SURE THEY DONT BREAK THEY CONTRACTS AGRETMENTS AND PROFILING ON THEIR COSTUMERS, HERE IS THEIR LATTERS AND I THINK IM A VICTIM OF PROFILING. unlawfully Interruption of Charge Privileges

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: CHECK INTO CASH INC.
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took out a loan XXXX/XXXX/XXXX in the amount of XXXX with a XXXX dollar finance fee. The loan defaulted after that and was sent to their corporate collection XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX was sent to a third party debt collector called XXXX XXXX XXXX. I can no longer way check into cash for this debt and have to deal with XXXX XXXX XXXX. It is my understanding once sent to a third party collection that your loan needs to be close in the XXXX XXXX XXXX. It has not been close and it is over a year later

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I, XXXX XXXX, entered into a consumer credit transaction with Comenity Capital/Forever 21 on XX/XX/2019. Pursuant to 15 USC 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. XXXX is reporting multiple late payments on my consumer report for the following account : Account Number : XXXX, which is a violation of 15 USC 1666b. I am demanding that Comenity Capital/Forever 21 return any fees that were improperly collected for this billing error. Furthermore, Comenity Capital/Forever 21, never disclosed to me that they are a debt collector and that they were attempting to collect a debt which is a violation of 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: EQUIFAX, INC.
State: GA
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:
Requested the removal of tax liens that are currently reporting on credit report. New law states that tax liens are not reported and will be deleted from credit report. Requested the removal to credit bureau several times and request was not honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had funds deposited into my checking account and went to XXXX and had XXXX left. The Bank made errors on my account that put it into overdraft when my account does not, have, overdraft and never had it. If my account does not have the funds to pay for anything it wont allow the purchase to go through however the internally bank employees are penny pinching and transferring money and stealing it at the Bank of America. I have not had an issue like this since XXXX/XXXX. I never had a issue at this bank until today since XXXX/XXXX when they tried to pull this before. I really good with accounting and have no issues whatsoever with overspending and this is reflected at every bank I ever banked at. They need fix fix my account and put it back the way it was 2 weeks ago. There were never ever any overdraft purchases on the entire history of my accounts. I will not allow myself to become a victim to predatory banking practices.

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 2021-07-21
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021, I received a suspicious text message purportedly from Wells-Fargo Bank, stating my Debit account is locked. The subject line in the text gave a contact phone number as XXXX XXXX XXXX XXXX. I looked up the phone number on several online Reverse Phone Number sites, and all the sites gave me the same name of a supposedly real person ( XXXX XXXX ) including a home address ( XXXX XXXX XXXX, XXXX XXXX GA XXXX. I did not attempt to call this number/person, but notified Wells-Fargo XXXX in XXXX. Wells-Fargo confirmed that my Debit Account was not locked and is current. Wells-Fargo didn't seem interested in pursuing this any further, only stating that this was " possibly a scam attempt ''. Since there was an actual phone number and it was associated with a real person, I thought Wells-Fargo Bank would want to pursue this further for possible prosecution.

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 2017-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have several inquiries that I did not give consent to run my credit! 
Please remove them from my Transunion Credit Report! I have no knowledge of these inquiries and no account attached to them! Transunion is stating that " inquiries are a factual record of file ''. How are these inquiries factual when i have contacted the creditors and the creditors have no account? Furthermore, the have no knowledge with me doing any business with them. I have supporting documents as proof that these creditors have requested deletion of these inquires.

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 2021-07-21
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX  for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: The CMI Group, Inc.
State: IL
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 Account # XXXX, 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 furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose

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 2017-10-23
Company: RMB, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
RMB is reporting a debt in the amount of XXXX on my credit reports. I did not authorize this account nor do I accept responsibility for this debt because it is a result of identity theft. I have disputed this debt with the credit bureaus and have sent the police report but they still continue to report this account which is very damaging to my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: MN
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: Movement Mortgage LLC
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX XXXX I applied for a home mortgage. I contacted Movement MortagXXXX online and submitted all documents needed with XXXX XXXX. I received a Commitment Letter saying I was pre approved for a $ XXXX loan with FHA XXXX XXXX down. I was excited and went looking for a house. XXXX said he wanted to submit it to the board to make sure it was all going to be good. He came back asked for a few more things, was all good. I put a offer in on a house, put money down, was very excited. Then he called said He could n't use my child support, which was a large part of my income. This was not hidden, So then he said if you pay off your XXXX XXXX loan, I can still get you to budget. I was like how can I come up with another XXXX XXXX... My boyfriend went out got money to pay it off, was a stressful few days to figure that out. I was at bank depositing money get a call from XXXX XXXX, sorry your loan is no longer approved even if you paid the loan off. I paid off all credit cards, only thing left was my car payment. I was so upset and embarrassed. My heart was already with this house. I put money down and paid for a appraisal. I did fight to get those back, but never wanted to be in that spot, that 's why I got a pre-approval letter. I have been so upset and stressed over this, and do n't think this should be right! I told everything up front. I am a single mom and just wanted better for us. The sad thing is I pay more in rent than my payment would of been! I have been my job for almost XXXX and lived in same place XXXX. Just sad a mortgage can do this! So I do n't recommend MOVEMENT MORTGAGE. IF any documents are needed I can provide, I KEEP EVERYTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
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 fair collections & Out has violated my rights. 15USC 1681 Section 602 states i have right to privacy 15 USC 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without written 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 2021-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion. Despite sending them the last letters for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX A Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/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 2021-07-21
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit report in early XX/XX/XXXX and saw a debt that had gone to collections for a company called Synchrony in the amount of {$2000.00}. Per the credit report, that account was opened on XX/XX/XXXX. I never opened that account. While I have no direct proof, I believe that the aunt ( XXXX XXXX ) of my estranged XXXX XXXX ( who has custody of said daughter ), fraudulently opened this account to buy furniture. A company called me around the time the account was opened and told me that I bought some furniture and I had not and told them so. In any event, I certainly did not open this account and this is not my debt. I contacted the fraud department at Synchrony, but they asked me to provide my SSN, which I was not comfortable doing, especially given the circumstances.

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 2017-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On Monday XX/XX/XXXX i deposited a check in the amount of {$2700.00} to my Bank of America checking account. On Tuesday i looked at my account and the deposit went through without a hitch. I started withdrawing funds from this check. On Wednesday Bank of America received notice from tbe check 's bank that the check was probably not going to clear. Wednesday i had made two online payments not knowing my bank decided to put a hold on this check. When i came home that evening and looked ay my checking account i was horrified to see that my account was overdrawn. The bank decided on Wednesday to put a hold on the account. I do not have a history of accepting bad checks or writing bad checks. If we went through my account we would probably find that the only time i was charged an NSF fee was when someone took money out of my account that i did not authorize. As of this date i have received absolutely nothing that there was a problem with this check. It is through my own vigilance thst i even know about it. My dilligence had the money replaced with a wire transfer on Friday, XX/XX/XXXX. The bank has charged me two NSF fees for the two checks i wrote on Wednesday. I do not think this is fair. The bank should have put a hold  on the check on Tuesday at the very latest. On Tuesday it did not appear that the bank was going to place a hold on it. How was i supposed to know not to write checks when they put the hold on the check on Wednesday? As i have already stated, i have received absolutely nothing from the bank letting me know there was a probkem woth the check. If i was not vigilant with my account, i could easily still be writing checks. Once i saw the hold, i did not write any more checks. I believe the bank should refund the two NSF fees. I spoke with a XXXX XXXX on Wednesday XX/XX/XXXX He is a supervisor in the California office. I have thought long and hard on whether this next statement is true. I truly believe it is. I thought he was noting the account not to charge me NSF fees, but there is nothing in the notes stating this. Yesterday i left a message for him to call ne. He has not done so yet.

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