BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 FCRA these creditors have violated my rights for these accounts : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.

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 2022-06-04
Company: CITIBANK, N.A.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
For years I, as a client of Citi, could log into my online account and check an incoming international wire transfer, where I could see the incoming amount in the foreign currency and the sender. Since XXXX, Citi has cancelled this functionality. I did not contact the bank in XXXX. This year, XXXX, the same happened. When I called the bank, an agent said : " Your account shows the incoming international transfer as X USD. On that date, the exchange rate from finance.google.com is Y. So, the incoming transfer in the foreign currency should be X times Y. '' I said : " No. I need to know the amount in the foreign currency as transferred so that I can judge if Citi used an improper exchange rate or misreported the incoming amount. Citi is obliged to report the incoming amount in the foreign currency. Citi can not conceal this amount. '' The agent answered : " This functionality is no longer available. '' I wrote to Citi 's CEO, XXXX XXXX, XXXX times. Citi 's XXXX XXXX XXXX answered via futile, useless letters that present the bank as arrogant, arbitrary, fearless, and lawless. This case is not about one client. This is about thousands of clients, justice, and the rule of law. Banks must be forced to abide by the law. If not, they must be fined painfully that the CEO learns the basics of ethics, integrity, and morality and the importance of conducting lawful business.

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 2016-05-13
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I cancelled my Macy 's credit card in XXXX 2015 after paying off the entire balance. I did not realize that they continued to charge me {$2.00} a month until XX/XX/XXXX when I emailed Macy 's ( to have it in writing ) and called to cancel the card again. Nothing happened. By XX/XX/XXXX, I owed {$22.00}. I decided to just pay it and try to close the account for the third time. Yet, I continued to get charged this {$2.00} every month! When I called the " Specialist Department '' at XXXX, they said that I never cancelled it and that they kept charging me because I paid the balance after the billing period. They have also reported me to the credit bureaus because of this. My XX/XX/XXXX statement was back up to {$14.00}.

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 monetary relief
Consumer complaint received 2018-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA violation no knowledge of the fraudulent accounts on my Transunion credit report. FTC ID Theft Report # 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 2022-10-17
Company: BANK OF THE WEST
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022 a major storm came through our area and did a lot of damage to our home and outbuilding and our rental home and outbuildings XXXX mile down the road from us. 
Bank of the West ( XXXX ) is the mortgage holder on both properties- we have 2 conventional loans- one on each property. The insurance company has assessed the damage on each home/property and wrote the checks to us and the mortgage holder ( BOW ). The damage on each property is around {$100000.00} per property. BOW is telling us that they follow " XXXX '' Loss Guidelines and will only release {$40000.00} on each loan to us to make these major repairs. Then they tell us that we are required to pay for all the repairs and that the repairs must be 100 % completed before they will inspect and release any additional funds to us. Not sure how we can be expected to pay for these repairs out of our pocket since they are holding our insurance money that is intended to pay for these repairs. We have reviewed our mortgage papers and there is no mention of " XXXX '' XXXX nor any schedule in regards to release of insurance loss funds. They also tell us that if repairs are not made by a certain date that they will apply insurance funds to loan. We just want our home repaired without any hassles from the Bank! We will provide documentation if needed, Thank you!

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 2016-09-06
Company: Southwest Credit Systems, L.P.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
This company added to credit report XXXX/XXXX/2016 and shows placed for collection on XXXX/XXXX/16. I have also never heard from this company and when I tried to contact them I have not heard anything back. I have never received any correspondent from this company to know I had a debt with them. I filed bankruptcy with XXXX and not this debt collector because I did not know anything about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have gone back and forth with both Transunion and XXXX credit reporting agencies. I have disputed and disputed, and they remove some things and then reinsert them again, making my score go down by over XXXX points. I do n't know what to do as the debts they are talking about are in most cases over 7 years old, and in the State of Nevada, credit card debt is only collectible for4 years. They are ruining my credit, and I ca n't get another card to pay off a high interest card with a no interest card. The new ones in question are from long ago charged off credit cards from XXXX. I am attaching a letter sent to them to inform the credit card companies of the charged off nature of the XXXX accounts. They are from XX/XX/XXXX and XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello on XX/XX/XXXX I came into an agreement with the National Credit Adjuster to pay a debt that was sold to them by XXXX. I owed them {$260.00} and I asked to pay half and if I was to pay half if they would be willing to do a pay to delete. I paid {$160.00} to the National Credit Adjuster. Furthermore looking into my credit report. NCA has been reporting false information that is causing major harm to my credit profile. They are reporting Monthly on a Closed and Paid account. They are reporting different dates the all THREE credit bureau. This inaccurate information is harming my credit. 

XXXX is reporting Date Last Active XX/XX/XXXX and reporting the account as a collection. Last reported XX/XX/XXXX. 

XXXX is reporting Date Last Active XX/XX/XXXX and Date of Last Payment XX/XX/XXXX. And reporting the account as XXXX. XXXX reported XX/XX/XXXX. 

XXXX is reporting Date Last Active XX/XX/XXXX and Date of Last Payment XX/XX/XXXX and reporting the account as Collections. Last reported XX/XX/XXXX. 

I have paid my debt in full, and the National Credit Adjuster is reporting inaccurate information. I have contacted all THREE credit bureaus. I will appreciate if the National Credit Adjusters remove the Collections/ChargeOff from My report. As they are providing inaccurate information and violating Under the Fair Credit Reporting Act and I have a right to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2015-06-12
Company: LEXISNEXIS
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am having an issue with Lexis Nexis they are reporting a Public Record from XXXX County. These were fraudulent taxes filed with my social security. They are relaying this information to XXXX and i have disputed the public record with XXXX and they continue to verify the information as accurate because of the information they are receiving from Lexis Nexis. I am attaching the police report that i filed showing this public record is fraudulent. I am requesting for lexis nexis to remove this fraudulent Public record from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Capital One Bank has posted negative remarks of payment lateness on my credit report without providing me with any options to resolve this matter to the best of my interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: ZENCO COLLECTION, LLC
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
Zenco collects contacted me on XXXX XXXX XXXX saying I owed a credit card debt for XXXX commercial credit. I have never heard of this bank or never hada commercial account, after telling them this I got tthreatened with a lien taking out on my truck and my drivers license to be taken. They said I had until the XXXX of XXXX and that after it was paid I would never hear from this loan again. They knew my last XXXX of my social number and that I had a XXXX truck at XXXX that they would put a lien on.I went to my bank ncsecu in burnsville nc to get the money transfered in my account XXXX. My bank did some research and could not find any such debt, they sent for a XXXX credit report for me still showed no such debt. My bank manager called zenco collects and went to voice mail she left message no return call. My bank took my money out of my account because zenco had my debit card number, I was informed by ncsecu this had to be a scam, so on XXXX XXXX I started receiving threatening phone calls and so did my bank manager about fraudulent charges to be placed on us. Said the bank had no buisness or authority to pull my credit to check and tell me not to pay. And said the reason they did not see this on my credit report was because I ask them not to put it on there which never happened. I have disabled my debit card per my bank. They never did send me any proff of the debt as myself and bank ask for. If I owe this debtbi was readyband willing to pay, just want the threatening cslls to stop. The first name of so called lasyer was XXXX XXXX. The last just said XXXX XXXX to myself and bank. Phone number is for zenco collects is 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 2015-09-04
Company: Dynamic Recovery Solutions, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received a call from phone number XXXX stating that they were Dynamic Recovery Solutions and I needed to call them at XXXX, I have no debt that is not up to date. I did not return his call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: OLD NATIONAL BANCORP
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Reference to our previous correspondence to Old National dated XXXX/XXXX/2022, and your ticket # XXXX Sale of XXXX accounts to XXXX dated XX/XX/XXXX2022 and your Client Response Teams XX/XX/XXXX2022 response via the Consumer Financial Protection Bureau. 
Today ( XX/XX/XXXX2022 ) my wife and I both received two identical letters from Old National/UMB jointly XXXX dated XXXX and XXXX describing the process and timeline of transferring the existing accounts to XXXX or another XXXX custodian . 
Despite the concern we raised about a forced liquidation of our investments thereby potentially realizing steep losses it appears that Old National/UMB will not permit its current customers to transfer our investments in-kind to another XXXX custodian, Ref XXXX Letter dated XXXX/XXXX/22, page 5 ; What if I do not want my Old National XXXX to transfer to XXXX?, subsection XXXX you Old XXXX HSA to another qualified HSA XXXX XXXX Please note, all XXXX  investment asses must be liquidated before the transfer to the new HSA XXXX can be completed. It is unclear why an in-kind transfer can take place between Old National and XXXX but not between XXXX XXXX and another XXXX custodian XXXX 
We would like to believe that the above statement was included in error. We request your immediate clarification. 
It is our intent to have our accounts transferred to XXXX. Since you state that the Last day to request your Old National XXXX be closed or transferred to another XXXX custodian. is XX/XX/XXXX4, we will start the process immediately. Please also be advised that on XXXX website they clearly state that they ;. make it easy to transfer..mutual funds and other security types without needing to sell your holdings. 
We are convinced that we are not the only current account holders with Old National that would realize losses on our holdings if XXXX XXXX insists on the forced investment liquidation. This will not reflect positively on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: EQUIFAX, INC.
State: PA
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:
Today after trying online, via text, automated phone and a live agent, Equifax would NOT freeze my credit report after I told them I received a credit card in the mail the other day, that I never applied for. I called credit card holder " XXXX '' whom closed the account and was told it was opened online in VA on XXXX/XXXX/22. I live in PA with my family and work in PA. I've also seen other hard inquiries on my credit report that were not initiated by me. I froze my XXXX and XXXX in minutes yet Equifax was asking me to provide every single open, closed and collections account under my name, with balance & payment amounts, open and close dates and so on and so on. When I could not recall one account that they asked info for, the female agent said she could not verify my identity! I answered dozens of questions and yet she refused and then put me on a hold that was never picked back up. How do I go about filing against Equifax and holding them responsible for keeping my credit report vulnerable?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Other

Complaint:
Citibank is calling and harassing me. I do not have an account with them and I told them that they have the wrong person. I asked them to remove my number and I was told that they would not do so. They are asking for a male, and I am a female. No males with that name live at this address. They are calling constantly. I called back and screamed /yelled at them because I was so frustrated with the calls. This phone number is in my name, not the person they are asking for.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Global Lending Services LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My car was deemed as a total loss. I had Insurance and GAP insurance. Theres absolutely NO REASON I should have a balance when I had insurance in place of this and this lender didnt work make sure GAP covered the balance. They instead charged me fees that I shouldnt have or be responsible for

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: Lending Club Corp
State: UT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
several times now I have been contacted by XXXX Mail by Lending Club. they say that I am pre approved for a {$20000.00} loan at a great interest rate. I fill out the application and they turn me down based on things found on my credit report. I keep getting this in the mail and I am tired of them promising loans and then turning me down. 
every time I apply they turn me down and this lowers my credit score every time. it is also a big waste of my time. if they say that I am qualified, then they had better give me the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have noticed some incorrect addresses on my credit report that I never lived at. 
My current and only address is : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: SLM CORPORATION
State: LA
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:
All the accounts that are listed on my credit report was not given permission to share my social security number with anyone and the distributed it without my consent. They all have violated 15 USC 1681, 15 USC 1681 Section 602A, 15 USC 1681 Section 2 of 604A. I have sent all information to both Experienced and XXXX and have not gotten the problems corrected. XXXX XXXX XXXX, XXXX, XXXX XXXX, Sallie Mae, XXXX, and XXXX Bank all violated according to the XXXXXXXX XXXX XXXX of 1863, 31 USC 5118, 15 USC 1602g, UCC 3-104, 12 USC 1431 , and 42 USC 408 . All were sent out negotiable instrument from attached statements as well as approved 1099-A payments and all of the companies kept the negotiable instruments as payment but didn't apply it to my account. I sent all companies a copy of my documents with a Conditional Acceptance Letter. I do not owe neither of them because I am not the person of the " all caps '' name. I am the representative of that person and they knowingly sent the information without consulting me. I request the original primossary note, 1099-A, that was filed according 15 USC 1666D , 15 USC 44 , and 12 CFR 1026.17 that is defined in the IRS Publication XXXX. Still have not gotten that and its been since XXXX. Everyone was asked to provide me with proof of claim that the credit agreement was a lawful and enforceable contract signed by both parties giving equal consideration. As well as asking for proof of claim that they had my consent to issue any of my personal trust information to any third party pertaining to valid lawful agreement signed by both parties.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation