BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/ the online payment for my home mortgage with Citizen 's Bank was not processed. I did not realize there was an issue until I logged into the system in XXXX to see that a payment was owed. I immediately submitted 2 payments to be processed. Citizen 's bank did not call me or send me any letters to notify me that not only was a payment missed. Citizen 's bank also did not notify me that they were going to report the payment as missed or late to the crediting bureaus. I have contacted them on numerous occasions since XXXX requesting they remove the late payment history from my credit report due to their site processing error. I have requested they provide proof of the letters they sent me advising a payment was missed and proof that they notified me that they were going to report the missed payment to the crediting bureaus. Citizen 's bank has provided me with no such documentation. I filed disputes with the 3 agencies : XXXX, XXXX and XXXX to aid in the investigation- to no avail. Citizen 's Bank is not removing the late payment and it is damaging my credit score, impairing my ability to get approved for better interest rates for lending opportunities. I have been diligent and consistent with my requests for them to please thoroughly review the matter because their was clearly an error in their system. They did not notify me of the late payment and they failed to notify me that they would report late payments to the crediting agencies- as they are required to by law. I need this matter of erroneous reporting removed immediately from my credit reports. I have given them several opportunities to rectify the matter and they have refused to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I responded to a XXXX ad advertising a house for rent in XXXX XXXX on XX/XX/XXXX, and my boyfriend went over to check out a house XXXX XXXX and XXXX XXXX were renting. He met XXXX and his little kids. It was great and I was really excited they wanted to rent to me. I paid a deposit after signing a rental agreement over XXXX of {$1300.00}. He wanted first and last month 's rent up front, and I only paid him first month ( though tried to pay just a smaller amount, since it was all so offline ). I was meant to move in XX/XX/XXXX. On XX/XX/XXXX, XXXX told me that a better offer had come in over XXXX and asked if I could be flexible, since I mentioned wanting to move in over a variety of dates. I decided I could be, and spent a month waiting for him to update our rental agreement. XXXX always eventually responded, even when I got nervous he was going to ghost me - like when his XXXX messages stopped going through. But then he'd respond to an email, saying he'd get to the rental agreement that day. Eventually he did update the rental agreement, so that I would move in XX/XX/XXXX - XX/XX/XXXX and gave me a free month of rent. Then he never showed up to let me into the house or give me keys. I reported this to my bank on XX/XX/XXXX. They were looking into it as fraud. They said they did not have enough information to prove it was fraud. I have had to spend countless hours on hold trying to reach them to follow up on this and managing my accounts impacted by fraud.

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 2023-11-19
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XXXX XXXX comenity bank again. 
so this is 3rd complaint. they tell cfpb they have fixed my account etc. no they haven't. I just got a credit bureaus notice where they reported my account delinquent. eyh. I never git a bill to make a payment. plus they just noticed me 6 days ago they fixed all payments and have corrected my account. what did they do they can't find my payments they lowered my credit limit and then reported me delinquent comenity bank is really screwing up my credit and my payments. they need to be investigate for false pretenses

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XXXX of 2023, I submitted a payment of {$100.00} dollars to pay my credit bill. The {$100.00} dollars went to a closed Bank of America Card instead of my current card and payment. I called Customer Service twice during that time, and they said they would send a check. I never received a check. 
I contacted Bank of America by chat today, and the agent said they sent it to the address of the old card, and then ended the chat without resolving the issue. I have all my addresses up to date with Bank of America, and I always had. It was their error to put a payment on an old account, and then for some reason supposedly send a reimbursement check to an old address which doesn't make any sense because I am the only card holder and I don't know why they wouldn't send it to the address on file. 
I have tried three times to resolve this issue. They took XXXX dollars from me.

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 2023-01-19
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 XXXXXXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
I received A letter From XXXX XXXX XXXX  Account # XXXX. 
Has violated, my rights, I will be submitting the letter with violations codes. 
15 USC 1692 ( B ) ( 2 ) 15 USC1692 ( C ) ( A ) 15 USC 1692 ( D ) ( 2 ) 15 USC 1692 ( G ) ( A ) 15 USC 1692 ( G ) ( A ) 15 USC 1692 ( C ) ( A ) 15 USC 1692 ( D ) 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 2020-07-31
Company: CL Holdings LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with JEFFERSON CAPITAL SYST, XXXX/XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, JEFFERSON CAPITAL SYST, XXXX/XXXX, and XXXXXXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-02-06
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:
I AM WRITING TO DLETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEM I NEED DELETED ARE LISTED IN THE REPORT I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT XXXX REMOVE THIS ITEM TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT!

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: Experian Information Solutions 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: Account status incorrect

Complaint:
I took out a auto loan with XXXX XXXX XXXX in XXXX, due to their lack of paperwork, this did not start reporting on my credit until XXXX. I done a vountary repossession on the vehicle in XXXX of XXXX. They auctioned off the vehicle after the repossession. They continue every single month to report this account as " Open '' rather than " closed '' or " charged off ''. They continue every single month to report a late payment for the 65 months. They also have an off the wall out of state address that I have never been associated with in Louisiana. In addition to the balance being incorrect because they have never applied the auction funds to the remianing balance of the loan, they also report the account as repossessed, late, repossessed again, then back on track, then repossessed, then charged off, then late again. Its absolutely absurd. I have worked VERY hard to fix my credit, this is the only negative account holding me back. It has now been 7 years since this account had its first missed payment and has been repossessed. This also goes against my debt/income ratio and prevents me from further auto loans because it looks as though I have an open auto loan. I have disputed this account for YEARS due to inaccurate information and the credit bureus refuse to fix it. XXXX XXXX does not respond to any letters that I have sent to them directly verifying any information I have asked for. I am asking for this to be removed from my credit report, as the inaccurate information being reported, the failure to respond to my verification requests all go against my rights under the XXXX. Please help me!!!

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 2023-06-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 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.

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 2023-01-18
Company: Experian Information Solutions Inc.
State: NY
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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}

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 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-02-06
Company: EQUIFAX, INC.
State: TX
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:
I need the CFPB to investigate the reporting practice of XXXX!!! You guys just keep sending my dispute to them and it's not getting resolved, I need CFPB to do their OWN investigation at this point. Please explain to me how this charge off account 's balance keeps increasing?? I just received a notification that the balance has increased by {$200.00} from XX/XX/XXXX to XX/XX/XXXX. Where's the interest or fee coming from that's resulting in the balance continuing to increase!!! This appears to be illegal as the account is charged off, I feel they violating the Fair Credit Reporting Act. They report that it late every month as well. This is unethical, I AM ASKING THE CFPB TO INVESTIGATE THIS ASAP. The balance is now more that what it was when if was charged off!!! Has the car been sold?? This is crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
American Express acct numbers ( XXXX, XXXX, XXXX ) have all been discharged with negotiable instruments but they will not credit my account and continue to harass me over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSWORLD SYSTEMS INC
State: MT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a credit bureau notification that a collection had been initiated by Transworld Systems , INC, for a XXXX  uncollected debt from XXXX XXXXXXXX XXXX XXXX 

I contacted Transworld and filed a dispute. Dispute reference number is : XXXX They did not confirm receipt for the information I sent. 

I also contacted XXXX XXXX today. They indicated the debt was for a residential XXXX  account with the address XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX. I have never lived in Texas and have never owned property in Texas. 

XXXXXXXX XXXX  confirmed that the account was terminated in XXXXXXXX XXXX  and was established using my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: WELLS FARGO & COMPANY
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
Hello, I was charged XXXX transactions on my Wells Fargo XXXX credit card. 

My card initially had a expiration date on XX/XX/2022 where the company sent me the new card but I did not receive it. I did receive a text message for the fraud charges where I immediately called Wells Fargo to send me a new card. 

The XXXX transactions occurred in XX/XX/2022 but the new card states the transactions happened on XX/XX/2022 : XX/XX/2022 - XXXX {$100.00} XX/XX/2022 - XXXX XXXX {$91.00} XX/XX/2022 - XXXX XXXX {$38.00} XX/XX/2022 - XXXX  's {$21.00} I have called the fraud/claims department at Wells Fargo but they stated that the purchases were valid. 

Please help.

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 2023-12-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian Is reporting Inaccurate information on my consumer report Violation of the FCRA 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-11-09
Company: CITIBANK, N.A.
State: NY
Product: Credit 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:
My Citibank credit card information was stolen XXXX in XXXX and XXXX, as many charges, adding up to more than {$500.00} were charged in my card ( most of them were charged in a XXXX telephone company, I have never been to XXXX nor heard of that company before ). 
Citibank contacted me on XXXX asking if I had done these purchases and I said no, and I froze my credit card and was issued a new one. Fraudulent charges appeared again on the new card, which I disputed again. I have called citi and talked to their representatives 5+ times, and they told me the disputes would be solved in 60-90 days. Fast forward to XXXX, they sent a statement saying they kept the disputes as I hadnt provided enough information they requested, even though I had answered all of their questions multiple times we were on the phone. 
So I called again in XXXX, to reopen the dispute, and they tell me they'll submit the disputes again and will get it resolved. Fast forward to today, 2 months later, the charges are still in my card and I am being charged interest for $ XXXX fraudulent charges I did not make.

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