BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-13
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}, {$7500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account.

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 2020-06-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have call XXXX  several times to request that they remove several inquires that is on my credit profile I would like these applications removed I have already sent them my photo ID and ftc report on file I HAVE FRAUDULENT APPLICATION ON MY CREDIT PROFILE 1.XXXX  XXXX  XX/XX/XXXX 2XXXX XXXX XX/XX/XXXX 3.XXXX  XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XX/XX/XXXX 6.XXXX  XXXX XX/XX/XXXX 7.XXXX XXXX XXXX 8.XXXX XXXX XX/XX/XXXX 9.XXXX  XXXX XX/XX/XXXX 10. XXXX  XXXX XXXX  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 2022-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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:
The company is Bank of America ( BOA ), and my BOA issued debit card was used for withdrawals between XXXX and XXXX, for a total of {$990.00} ( see below ) We did not make these withdrawals and we reported the debit card as stolen to BOA on XXXX, and received a new one. After crediting the {$990.00} back to us, BOA has since researched the fraud claim and denied twice and intend to reverse the credit ( most recently in a letter dated XXXX XXXX Their reason for denial is " the charge was authorized by you or someone who has permission to use the account. '' As a 30 year XXXX customer in good standing, with no history of aberrant behavior, and credit score of XXXX, there is no precedent for my wife and I to act in fraudulent manner. We are scammed, and the scammers withdrew amounts below our trigger level for BOA to check validity of a transaction. 
the claim # with BOA for our reporting of, and their response to, the fraud is XXXX We enlist your help to work with the bank as we should be protected against fraud by BOA. 

we can provide claim numbers and personal details if necessary XXXX XXXX ATM XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX MD {$200.00} XXXX XXXX XX/XX/XXXX # XXXX WITHDRWL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$200.00} XXXX Hideadditional information foractivity type withdrawal XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$22.00} XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX$180.00} XXXX XXXX XXXXXX/XX/XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$180.00} total {$990.00}

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 explanation
Consumer complaint received 2022-05-15
Company: Experian Information Solutions 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:
Hello my name is XXXX XXXX and iI am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

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 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello my name is XXXX XXXX and iI am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

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 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
on. for 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 XXXX XXXX XXXX XXXX OPEN BALANCE {$8900.00} OPENED XX/XX/2022 XXXX 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.

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 any reasons.

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 2022-09-15
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Paypal is allowing scammers to use their service with no consequences. I was scammed out of {$50.00} and have proof. Its not a whole lot of money but this should not be allowed to happen. 

I usually never pay a deposit but the group was recommended locally and the amount was small so i fell for it. I feel like a fool but i dont want to allow others to male the same mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: CITIBANK, N.A.
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
A HUD-approved housing counseling agency submitted a modification request on my behalf XX/XX/XXXX. As of XX/XX/XXXX, there has been no decision made, despite several assurances that my documents are complete. These are verbatim examples of texts sent to me by the servicer : 1. XX/XX/XXXX : Free Msg Alert! Citimortgage is reviewing your Mortgage Assistance Application. No additional information is required at this time. To end alerts reply stop. 
2. XX/XX/XXXX : Free Msg Alert! Citimortgage is reviewing your Mortgage Assistance Application. No additional information is required at this time. To end alerts reply stop. 
3. XX/XX/XXXX : Free Msg Alert! Citimortgage is reviewing your mortgage assistance application. No additional information is required at this time. To end alerts reply stop. 
4. XX/XX/XXXX : Free Msg Alert! From Citimortgage : Your Hardship Application is with Underwriting which can take 30 days. We 'll keep you advised. To end alerts reply stop. 
5. XX/XX/XXXX : Free Msg Alert! From Citimortage : Your Hardship Application is with Underwriting which can take 30 days. We 'll keep you advised. To end alerts reply stop. 
6. XX/XX/XXXX : Free Msg Alert! Citimortgage Assistance Application. No additional information is required at this time. To end alert reply stop. 
7. XX/XX/XXXX : Free Msg Alert! Citimortgage is reviewing your Mortgage Assistance Application. No additional information is required at this time. To end alerts reply stop. 
8. XX/XX/XXXX : Free Msg Alert! From Citimortgage : We have assigned a new Homeowner Support Specialist to assist you. A letter/email has been sent. To end alerts reply stop. 
9. XX/XX/XXXX : Free Msg Alert! Citimortgage is reviewing your Mortgage Assistance Application. No additional information is required at this time. To end alerts reply stop.

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 2022-05-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporter Conversion ... .acct # XXXX acct # XXXX acct # act. # XXXX act. # 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 response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: EQUIFAX, 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:
XXXX XXXX XXXX AKA XXXX XXXX XXXX XXXX is a collector for XXXX, a hospital the XXXX.I am a XXXX XXXX XXXX VETERAN with full medical benefits.While we are supposed to normally receive medical treatment at a VA facility, in the event of a medical emergency we can go anywhere and our treatment is covered.I was having the feelings and XXXX XXXX of a XXXX XXXX.I was on the phone with the VA..who told me to call 911.I arrived by ambulance to XXXX was treated in emergency care.I told the hospital that I had VA benefits at the time of service. YOU MUST DELETE THIS ACCOUNT..YOU are under CFPB CONSENT ORDER scrutiny for exactly this type of wrongful billing without debt validation. 2.XXXX XXXX XXXX XXXX collecting for XXXX XXXX XXXX XXXX. Some time ago I visited XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was defrauded by two salespeople double-teaming me.They sold me a plan of unlimited usage that I was happy with.When I received the 1st bill there was a multitude of many undisclosed charges and fees.I was angry at the obvious commission based fraud that I decided not to pay.Whatever I signed was explained as XXXX dollars per month unlimited service.What I received was nothing like what I ordered.If anything was changed it was changed after my signature by the salespeople.YOU MUST DELETE THIS ITEM AS YOU PARTICIPATE IN FRAUD and damage my credit as well. 3. XXXX XXXX XXXX XXXX XXXX ... .While the Dept. employees may be literate they have a mathematical error prone thinking.My report is inaccurate.NOT ONLY have they been paid in full, they have been overpaid.They have received two TRO 'S totalling XXXX dollars.XXXX report is attached for evidence even though it 's wrong too! The Dept. was paid this money in XX/XX/XXXX! You must delete according to FCRA.President Trump will receive copies of whatever you do which will support his plan to abolish the XXXX XXXX XXXX where dates, times, and amounts never match the facts. THE XXXX ACCOUNT has recently '' verified '' and I expect the other incompetents to do so as well with the current Equifax disputes. However ... where fraud occurs as in XXXX XXXX AND XXXX XXXX XXXX, the proper action, according to FCRA, is to " block '' the item from the report until the facts are sorted out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/XXXX I went to one of the Home Depot location in XXXX XXXX Florida to purchase materials for a fence and patio enclosure project. While checking out, the cashier suggested that I apply for a Home Depot credit card to take advantage of 12 months 0 % interest promotion. I applied, application was approved and I funded the project through the card. Ive made on time payments and was NEVER late. On XX/XX/XXXX I called to payoff my balance in full but was told my balance that was {$2000.00} had increased to {$4200.00} due to backdated interest. 

Ive never in my life heard of such condition when it comes to promotional interest. Like all bank credit cards, I was under the impression at the end of the promotional period Ill be charged on interest on the current balance not on what the balance was before I paid it down. The problem with this is that the cashiers are instructed to push these cards without providing proper explanation to customers ( not their fault ). In banking, When a banker or credit card specialist have a customer apply for a credit card, theyre required to provide the proper disclosures and go over the terms of the card before customer agrees to move forward with the application. Why isnt Home Depot held to the same standard when it comes to their cashiers selling/recommending their credit cards? 

Finally, after many failed attempts in trying to work with Citi/Home Depot to pay off my balance without the ridiculous amount of backdated interest, the card was charged off and sent to collections. I settled the account on 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 2019-12-13
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XX/XX/XXXX I was charged {$29.00} nsf I had the funds another account the company never allowed the payment to hit the account but thy charge a fee

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have a consumer credit card that was included in bankruptcy from Bank of America. This data is now being reported past the statute of limitations, and needs to be removed immediately. 

I do not have the account number ; however, my SSN is XXXX and my DOB is 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 non-monetary relief
Consumer complaint received 2020-06-10
Company: R & B Corporation of Virginia
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:
CREDIT CONTROL CORPORATI Reported : XX/XX/2020 {$140.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: AES/PHEAA
State: PA
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 consolidated the balance of my son 's student loans in 2006. Even though I paid on time regularly every month, AES has failed to reduce the interest rate as I was promised. Their response was that option was eliminated when the loans were consolidated. That was never conveyed to me and I would never have agreed to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I am filing a complaint against Bank of America because on XXXX XXXX 2017 I had a wire from prosper market place in the amount of {$33000.00} and I also deposited a check from a line of credit that was approved in my name in the amount of {$10000.00}. Bank of America is claiming that they received a call from XXXX Bank in reference to the valid deposit. The loan is in my name and valid yet XXXX wants to do further research. I have already provided XXXX with proof of identity and gone in to the branch but they are giving me a headache after the check has already cleared with Bank Of America. Because of this Bank of America has place a hold of {>= $1,000,000} on my account and is not letting me access any of my funds. This is illegal that they are holding even the wire that has nothing to do with XXXX bank deposit of {$10000.00}. I need my funds released 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 2020-06-10
Company: WELLS FARGO & COMPANY
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I attempted to make the payment over the phone twice with debit card and was told both times that i had to use a checking account number ( which i dont have checks so I didnt have that info ) finally I contacted my bank and got my account and routing numbers and made a payment on the phone. 
A few weeks go by and i get a statement that say i owe {$640.00} minimum payment and Im late so i call in and come to find out they wrote my bank account info down wrong and so after i was credited for the payment they uncredited it which put me behind without my knowledge. They, at that point, took payment on my debit card stating since you are behind we are allowed to take a debit card Ive tried since with no luck to pay with my debit card being told you are current so we cant take debit card Ive since, with the help of a family member set up auto pay online so they cant pull that on me again.

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