BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OK, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OK, XXXX, and BANK OF AMERICA XXXX Date opened XX/XX/XXXX Balance {$17000.00}. 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2015-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
While reconciling our bank statement we found checks were drawn on our account using our routing and account numbers. The checks were made out with other companies names and fraudulent signatures. We notified our bank who gave us credit for the loss. This was later reversed because Bank of America would not repay them for the check fraud. Bank America sent a letter stating that they would have to have been notified within 24 hours of the fraud. This is ludicrous as we are a business sending out checks daily. We had no way of knowing that this fraud was going on. Bank America quoted reg CC in their letter. Is this a federal regulation? We did not issue these checks, or sign these checks. They are not in our companies name. How come we would be responsible and not the Bank?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: NC
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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2022-03-23
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
It is essential that CFPB XXXX XXXX. : XXXX be reopened and finally disposed of as requested in this Complaint. 
On or about XX/XX/2022 in compliance with the applicable provisions of the FDCPA, a conference call was convened by XXXX XXXX, PoA for the alleged debtor, XXXX XXXX XXXX, XXXX XXXX and Credit Control Corp ( CCC ), represented by Collection Agent identified as XXXX. 
That telephone conference call was documented by letter dated XX/XX/2022 that was delivered to CCC via facsimile provided by XXXX as well as USPS Certified and Regular Mail. 
The XX/XX/2022 communication was one of several attempts by us to obtain adequate validation from CCC all efforts were non-responsive. 
During the XX/XX/2022 verbal and written communications, CCC was only able to verify that they had a record of the alleged claims ; however, were unable to provide any of the information required to validate the debts claimed to be due. In fact, several of the debts were identified as owned or claimed to be due CCC directly as creditor. This has never been contested by CCC. 
Finally, following numerous attempts to obtain the FDPCA described validation, CCC responded that they have finally imposed a cease and desist contact and also admitted their inability to locate accounts. 
It is noteworthy that considering the exposed recordkeeping flaws with CCCs operations, there could be other to date unreported debts. XXXX alluded to that possibility during the XX/XX/2022 conference call and as documented in the latter of that date. 
As of this writing, CCC has failed to provide the requested information, not even that expected to be included in a bare account and has far exceeded the statute of limitations of collectability as provided in the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
The banking institution is XXXX Bank, I was approved by the bank for a HELOC loan in XXXX of XXXX. I took a distribution ( XXXX : XXXX ) in XXXX of XXXX with a variable interest rate. I have no problem with that transaction because all went as I understood and agreed. On XX/XX/XXXX, I took another distribution XXXX XXXX : XXXX ), also with a variable rate. That transaction and resulting payment is what I have the dispute with. Also, I have a concern with the application of reduced prime rates in XX/XX/XXXX to both loans. On the phone with the loan officer at the branch, my understanding of the loan amount to be paid on the outstanding balance which included both loans was {$920.00} per month. The payment charged was {$1000.00}, {$160.00} more than what I understood the payment to be from that conversation and to what I agreed. 
The bank is saying the {$920.00} was for the first draw and that portion of the second draw which is subject to the interest rate for the remaining days of the month and not for the entirety of both loans. At the time of the phone conversation/authorization this wasnt my understanding. And, I understand the payments would adjust as they are variable and tied to the prime rate. However, this difference isnt due to the variability of the rate but to the difference in the calculated loan amount and the rate as applied to that amount. 
I have spoken with my case worker assigned to my case by the XXXX XXXX ( XXXX ). She is from whom I got the banks position and information. She is who said that they, ( the bank ) had reviewed/ listened to the transcripts. When I asked her for the transcripts so that I would be able to listen/ review them to hear or read the conversation for myself so that I might be able to support my position, she said that I would have to subpoena the records. I would like you to assist me with this process. Also, I want to know if the bank has charged me the correct amount of interest regarding the lowering of the prime rate by the FED twice in XXXX : XX/XX/XXXX XXXX %. XXXX %. My loans are XXXX and 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 2020-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2017-02-13
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Credit determination

Complaint:
I was declined for a credit card in spite of having a credit report with no adverse ( late payment ) information, a credit score near XXXX and 3 % utilization of available credit. After receiving the credit report, Citi requested additional information including copies of bank account statements and a copy of my federal tax return which I provided. Twice the reason given for turning down credit was " could n't verify the accuracy of ... information provided. '' I was given no opportunity to discuss this with anyone or provide further information. Lacking any reasonable reason for credit being declined I am left to conclude that the fact that I am XXXX years old is the real reason this credit was declined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-25
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: Credit inquiries on your report that you don't recognize

Complaint:
Below are dates of credit inquiries that I wish to have removed from my credit report  XXXX . I attempted to contact customer service at the credit bureau and their customer service would not help and take care of these negative inquiries reporting to my credit report.      XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX     XXXX    Inquiry   XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX    XXXX     XXXX  Inquiry  XXXX   XXXX ,  XXXX    XXXX    XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX    XXXX   XXXX   Inquiry   XXXX    XXXX ,  XXXX    XXXX   XXXX   Inquiry  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 2022-07-18
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act ; XXXX, has violated my rights with an unauthorized inquiry on 05/28/21. 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 explanation
Consumer complaint received 2016-12-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX MORTGAGE XXXX This account was NOT A FORECLOSURE! This account was " Settled for less than full balance ''. 
REMOVE ALL FORECLOSURE VERBIAGE OFF MY CREDIT FILE AS THIS WAS NOT A FORECLOSURE OR DELETE THIS ACCOUNT OFF MY CREDIT FILE IMMEDIATELY!! 

Please see supporting documentation attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I tried to refinance my car today XX/XX/20 and I was denied because of accounts/inquiries reflecting badly on my credit report. I did not open an account with any of the companies I listed on this report nor did I allow anyone to open an account with those companies using my personal information. I do not have any type of relationship with these companies nor did I ever allow them to run or access my credit information. I did not benefit anything from these accounts being open in my name and I have already filed a police report. I have filed this report to the best of my knowledge regarding these unauthorized items on my my report and I am willing to work with law enforcement to get this issue cleared up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-19
Company: CITIBANK, N.A.
State: NV
Product: Credit card
Issue: Transaction issue

Complaint:
I have been denied the ability to dispute these charges with my Citibank credit card.I received a denial letter, that said I was not able to dispute the charge, The charges I am requesting assistance in disputing were all made between XXXX and XXXX 2016, to XXXX XXXX XXXX XXXX and XXXX in the total amount of XXXX. I have recently come to the conclusion that I have been victimized by an online business scam. I have been told that I am unable to dispute charges over 60 days old, however, I understand that the 60-day time frame for disputes does not apply in my situation as this is not a billing error and I signed contracts. My dispute has been mishandled and requires further investigation .I would like them to look into this " merchant '' There has got to be something they can do for the protection of their customer beyond 60 days. Companies like these are taking advantage of people making promises and telling lies. They did not provide the services as described.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
I got airline ticket from travel agency. It was round trip ticket and my flight is on XXXX XXXX 2016 from XXXX to XXXX XXXX XXXX XXXX. I requested to change my routing because of Clashes between XXXX And XXXX Government and 20 days ago the XXXX XXXX was shut down for three days and lot of passengers was stuck at airport. Now still in XXXX has 3 months Emergency Declared. I do n't want to use XXXX XXXX. I request to agency for rerouting my trip but they are not agree. And also they are not giving me half refund. 
I called my credit card company to dispute this charge and credit card company open dispute charge but did n't get my money. Now citi castco credit card company tell me that i should get my money on any other ways because they will not help me to resolve this issue. My request is reasonable because why should i go by XXXX XXXX route if there has some problems. I m so upset about the policey of citicastco credit card company. 
If you neend any other information about this issue please let me know and i will try to provide you. 
Thank you for your time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-07
Company: Santander Consumer USA Holdings Inc.
State: OR
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Our loan was purchased by Santander we have paid XXXX monthly payments of {$360.00} on a XXXX month loan and Santander claims we still owe {$6200.00}. They told us we need to do a loan modification to pay this last {$6200.00} over XXXX months. How can we make all XXXX payments and still owe {$6200.00} this is fraud and extortion. They beat my credit up over this modification they tell my ex-wife do n't make a payment until the loan mod is complete and then report you as late my credit score dropped XXXX points in XXXX minute when they reported the payment as XXXX past due. Here is how they did it and the attached payment history will show this. On XXXX/XXXX/2008 they added {$2600.00} to the principal out of the blue then every month they charge numerous miscellaneous fees between {$10.00} and {$36.00} a couple of times a month for the life of the loan. We originally were with another company and the terms of the original loan were nothing like they are now. I would not be surprised if they changed the interest rate as well who can tell how they compute interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My XXXX payent was 10 days late. They called me every day and harassed me even after I told them when I could make the payment. XXXX 's payment was on time. Here it is XXXX XXXX and a girl calling herself XXXX called to harass me about XXXX payment. It 's not even due yet! They are so rude and ask the same questions over and over, when you think they are finished they say they need to pass you to a supervisor and then you go through the same thing all over again. I asked why I needed to speak with a supervisor and she said to confirm my information, I think it was just to waste my time and badger me. I did n't choose Greentree, they bought my loan from XXXX. Ca n't wait to be done with them.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-26
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
the company is trying to collect on a debt that is related to a repossession that occurred sometime in   XXXX  . As I am sure you are aware, Virginia contains statutes of limitations for written instruments including debts. The time period to collect this debt has passed.   Please remove the debt as collectible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: U.S. BANCORP
State: ID
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:
On XXXX XXXX, 2023, I submitted my VISA debit card to my doctor 's cashier to pay the {$40.00} copay for my doctor 's visit. The card was rejected. ( Embarrassment! ) This was the second time US Bank VISA has blocked my credit and debit cards, so I was quite upset when I called them for a reason why. The reasons stated both times have been : " Protecting elderly customers from being scammed by unethical online businesses that have been flagged by their credit card business operations. '' My complaint : 1. No notice of blocking my purchases, only to find out at the time of my next purchase my card is rejected - as in local grocery stores or payments for medical visits ; 2. Credit/Debit card company deciding who I purchase goods from and where I spend my money ; 3. Credit card company deciding how I spend my money. 

The agent I talked with said a " phone message was left ''. I do not have access to my message system and their phone number lacks caller identification. They do have my email address. No further contact with me to advise they would be blocking my card! NO NOTIFICATION of blocking card. 

I have been a client with and had the same US Bank VISA card numbers for over 40 years, I have a XXXX credit rating. I make it a priority to pay off my card balances before payment due date ( which is why they don't value my business- I have never paid them a dime of interest! ). 

The rep. told me at the time of my call she was closing my debit card account - and did. The last time they blocked my credit card for online purchases, I didn't realize at the same time they had also blocked my debit card. Again, suffering embarrassment and stress! 

It is a real rigmarole to get my cards unblocked... several efforts talking with at least 3 operations reps and being placed on looonngg hold during call transfers- after which usage still rejected and more phone calls/transfers and waiting for change to kick in. 

I would like their system and methods of PROTECTING THEMSELVES from unscrupulous vendors kept in-house and NOT PUNISH card users for not knowing the vendors on their list! 

Thank you, 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