BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-13
Company: CITIBANK, N.A.
State: NJ
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:
THE HOME DEPOT/CBNA last reported a late payment on XX/XX/ for an account in the amount of {$330.00} XXXX XXXX last reported a late payment on XX/XX/ for an account Im the amount of {$320.00} XXXX XXXX XXXX last reported a late payment on XX/XX/ for an account in the account of {$810.00} XXXX XXXX XXXX last reported a late payment on XX/XX/ for an account in the account of {$530.00} XXXX XXXX last reported a late payment on XX/XX/ for an account in the amount of {$220.00} In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open ended 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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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, 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 a 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 2022-12-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Since mid XXXX, I have been trying to get check copies from Wells Fargo. These are needed for required documentation purposes. Despite at least 8+ hours of calls to all levels of banking, Wells Fargo refuses to provide banking records. Wells Fargo sends emails to acknowledge that I have called and they just shine me on. I have spoke to " Wells Fargo Executive Office '' and despite multiple over more than 6 weeks, Wells Fargo " executives '' do not return phone calls and do nothing to provide the documents requested.

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 2022-12-27
Company: WELLS FARGO & COMPANY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX XXXX and I had a Mortgage with Wells Fargo for my property located at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. In 2019, Wells Fargo foreclosed on my property without notifying me. Wells Fagor claimed they did notify me, but I never received any documentation before the foreclosed my property and took ownership of this property. 

After Wells Fargo foreclosed on my property, they never returned my personal belongings worth over $ XXXX USD including but not limited to expensive jewelries, expensive clothings, expensive Furnitures & Electronics and my Original Diplomas hung on my wall from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In addition, my two cars - a XXXX and a XXXX XXXX were also never returned to me. 

I have contacted Wells Fargo regarding the aforementioned personal belongings and and they informed me to contact XXXX XXXX. I followed their advise and contacted XXXX XXXX, who in turn asked one of their contracting company to call me and inform me that there is nothing they can to to return my property.

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 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
CFPB + Transunion This is in regard to 3 unauthorized hard credit inquiries on my Transunion credit report. 

Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : I did not authorize this hard credit inquiry and would like this hard credit inquiry removed from my credit report. 

Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : I did not authorize this hard credit inquiry and would like this hard credit inquiry removed from my credit report. 

Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/2022 Institution Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : I did not authorize this hard credit inquiry and would like this hard credit inquiry removed from my credit report. 

Please have these 3 unauthorized hard credit inquiries removed as soon as possible as it is damaging my credit and ability to obtain new credit.

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 2023-06-18
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I applied for loan through NetCredit. And was approved for {$1900.00} I was to send either 2 bank statements or 2 pay stubs I was advised I didnt need both I sent my XXXX paystub which I thought would be enough since it had year to date. 
I was also advised to call to verify my identity which I complied the loan was to be funded XX/XX/XXXX. But it was withdrawn instead. I contacted NetCredit to see why it was withdrawn They stated that I needed to send either my XX/XX/XXXX paystub OR 2 bank statements to prove my income. XXXX sent the XX/XX/XXXX again I was advised I could use 2 paystubs OR 2 bank statements Not both now they are refusing to fund the loan without bank statements Im concerned about invasion privacy laws due to having a joint account according to NetCredit I can not black the joint account holder information out.. it unfair to be denied for trying to protect the privacy of the joint account holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
State: AR
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:
N accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my right 15 U.S.C 1681 scetion 602 A. States I have the right to privacy. 15 U.S.C 1681 scetion 604 A. Scetion 2 : it also states a consumer reporting agency can not furnish a account without my written instructions it is illegal to have negative on credit report can cost between one and {$1000.00} per in fraction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: EQUIFAX, INC.
State: TN
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:
Equifax has been listing me as deceased on my credit report despite multiple phone calls and certified letters informing them that XXXX XXXX and XXXX XXXX  have mixed my deceased fathers accounts with mine. These accounts are : XXXX XXXX # XXXX and XXXX XXXX # XXXX. I have sent them proof of life including my current XXXX passport, social security card and my current utility bill but they have failed to remove these XXXX inaccurate accounts. I have attached a photo of these XXXX accounts from my most recent credit report ( XX/XX/XXXX, Confirmation # XXXX ) along with XXXX of the past certified letters sent XX/XX/XXXX. Despite my requests and evidence to prove this is a mix file and I am not dead, Equifax has ignored me, continued to list me as dead and violated my FCRA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
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:
XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
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:
This inquiries were not authorized by me. Never having given my permission for them to inquire about my credit status, they were unauthorized by me. 

XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022

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 2022-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America is holding my deposit. They gave me a scheduled release of funds and have made none available to me on the specified dates. After giving me a scheduled release of funds the bank then put an extended hold on all of my funds not releasing any of the money for 9 days. Legally they according to Regulation CC they are required to release {$5500.00} of the funds to me and hold the remaining until their required date.

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 2022-11-11
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 contacted TransUnion due to noticing an unauthorized hard inquiry by the below company : I asked that they remove the inquiry of the company XXXX 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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am requesting that this inaccurate account be removed from my credit report as it is not mine and is the result of fraudulent activity. I implore you to take appropriate action to rectify this situation.

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 2023-01-17
Company: DISCOVER BANK
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On or about XXXX XXXX, 2022, I was told by a Discover Card customer service agent that there was suspected fraudulent activity on my account. This agent had mentioned at least two account transfers involving my card. I insisted that I knew nothing about any such transactions and after much more conversation about this, wed agreed that the card seems to have been breached and we shut it down. After weeks had passed without ever receiving the replacement card and new account number, Id called Discover to let them know I hadnt gotten it yet, and then also about what all had happened that caused the need for the replacement, only to then be told that they dont see anything unusual on my account, and that they cant send me another card because I was in an interest reduction period for six months when it was closed and so I dont qualify for a replacement card! I then explained to this agent and every other agent after that that I did nothing to lose that account. I explained that Ive had this account for coming up on 20 years soon and Ive never missed a payment- EVER! In fact, Ive never missed a payment on anything, at least XXXX accounts across the board during this time and that by closing my account, youre affecting my credit adversely and unfairly! If the Discover agent was lying to be devilish or malicious, then that should be addressed. If he did it because he wasnt trained properly to distinguish between in house transactions and fraud, then that should be addressed as well. Either way, I did nothing to damage my credit in this way, and I dont want my account closed. What I do want, while were on the matter, is a look at my interest rate. My minimum payments have more than doubled and Id like to look at options to make my payments more manageable until I pay the entire balance off soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: CrossCountry Mortgage LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is a follow up on the complaint recently closed regarding Cross Country Mortgage. There is no resolve. Cross Country did not notify me of the funds being mis-applied. The representatives, when I called, reported the " mistake '' will be fixed and the money applied to the mortgage payments.. I never received a letter/call stating, that I needed to pay the mortgage as a result of mis-applied funds nor did the customer service representative inform me of such. Now I owe thousands of dollars and my credit rating has decrease tremendously, no fault of my own. Cross Country should bring my mortgage current, I should not have the tribulation of applying for modification ( just assuming they will try that explanation ) By law they were to notify me in writing of any changes. The only communication I received was notes to go to financial counseling and threats of foreclosure. ",,, We pride ourselves on customer service '' ... XXXXthey wrote. So please pride yourself in doing what is fair and equitable,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The week of XX/XX/XXXX, we visited the Bank Of America in XXXX XXXX, MD as when I had looked online it was indicating my account was closed. The manager told me she didn't know why the account was closed but we could call XXXX to find out more details. When I called, I was informed that a letter had been mailed to me, which I never received and that a check for the proceeds in my account will be forthcoming. I have yet to receive the check, I have called BOA numerous times, to no avail. Today when I called they indicated I would have to wait 121 days from the date the check was mailed to have the check reissued. I am XXXX XXXX XXXX, that lives paycheck to paycheck, I can not wait over 4 months to get my funds from Bank of America and find this unreasonable. how do these large financial institutions get away with holding my hard earned money for such a long period of time, this is just unethical and their policy should be changed to better protect consumers. The day the account was closed was XX/XX/XXXX, the check was mailed XX/XX/XXXX, and it was for {$1800.00}, I can no longer access my account, nor statements online and quite simply don't understand how this type of unfair service can happen and leave me without a banking relationship, nor cash to facilitate bill payments.

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 2023-05-02
Company: Rent Recovery Solutions
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
RENT RECOVERY SOLUTIONS is attempting to collect an alleged obligation on behalf of AT XXXX XXXX. RENT RECOVERY SOLUTIONS on the consumer credit report ( this is the 3rd time ive gotten XXXX removed and it keep reappearing ) per my knowledge there is no legal binding contract bearing my signature to contract with RENT RECOVERY SOLUTIONS. the original creditor XXXX XXXX XXXX XXXX as inaccurately reported an alleged delinquent account bearing my personal information. per the law XXXX was paid in full via the negotiable instrument provided to XXXX XXXX XXXX XXXX during the signing of MY LEASE. per the bankruptcy act of 1933 congress gave the American people the right to pay for all debts by providing an negotiable instrument as I did when at the signing of said negotiable instrument on between the creditor and debtor in the year of XXXX. Per the debt collection laws RENT RECOVERY SOLUTIONS is in violation of the FDCPA, XXXX as the alleged debt as been satisfied. RENT RECOVERY SOLUTIONS and XXXX XXXX XXXX XXXXXXXX is in violation of 16 CFR 433.2 along with Title 15 USC 1692 debt collection practices per the FDCPA. RENT RECOVERY SOLUTIONS has committed identity theft as no permission was granted to house my personal information within their database. ALSO XXXX XXXX XXXX IS TRADEMARKED ON USPTO AND HOLD A COPYRIGHT and never gave RENT RECOVERY SOLUTIONS a license to use the mark. A invoice is attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: CITIBANK, N.A.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received an offer from Citi Bank promising a bonus if I took the following " simple '' steps : Open a new account between XX/XX/XXXX and XX/XX/XXXX - XXXX opened my account XX/XX/XXXX. 
Fund your account within XXXX  days of opening your account- I received a deposit receipt from Citi showing my account was funded with {$76000.00} on XXXXThis amount was stated to get a {$1000.00} bonus. 
Maintain your balance for XXXX consecutive days. 
It is now XX/XX/XXXX and I still have not been credited with my bonus. My {$76000.00} is still in their bank. 
I called the Citi phone number on XX/XX/XXXX and after going through many telephone trees was finally able to speak to XXXX who after countless questions and checking my account agreed that I had met all requirements but that she would not be able to credit my account at that time since the information had to be sent to " investigations '' and that should take XXXX  days. My investigation number was XXXX. 
On XX/XX/XXXX I called again having not been credited with the promised {$1000.00}. I spoke to XXXX who said it would be some time before I received the credit even though more than XXXX  days had passed. I asked for a supervisor and after waiting a long time on hold spoke to XXXX who told me there was nobody in the entire Citi system that I could talk to who could credit my account. He stated that many people had taken advantage of the offer and their was a backlog to issue credits which could be as much as XXXX  months. I asked to talk to the " back office '' that he referred to as the entity issuing the credits. He refused. I asked to speak with the legal department. He refused. And then to add insult to injury he hung up on me. 
This is very IMPORTANT. Part of the offer in fine print states that " your checking account must remain open and in good standing from the time it's opened until you receive your bonus.Your bonus will be paid to your checking account within XXXX  days after you successfully complete all required activities. '' To me this is a breach of contract and fraudulent behavior on behalf of Citi.

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 2023-05-02
Company: PORTFOLIO RECOVERY ASSOCIATES 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 status incorrect

Complaint:
XXXX XXXX still has this account open when it was paid and settled over a month ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I do not recognize this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or h
as reasonable cause to believe that the information is inaccurate.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My ex opened these cards. Capital one, refunded me money back to my bank account, after she used it. I never opened this cards. As there is 2 cards. I never agreed to them. This is fraud issue

Company response to consumer: Closed with explanation