BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681 c. ( 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 crime which antedates the report by more than seven years. 
15 U.S.C 1681 s-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 reasonably 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 non-monetary relief
Consumer complaint received 2022-07-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2022 I was out with friends and attempted to use an ATM inside a business. I made 4 identical attempts to withdrawal {$300.00} using my Bank of America debit card, and all 4 were declined. No cash was dispensed. I assumed this was some protection mechanism from bank, and decided I would call in the morning.

The next morning, I looked on my mobile app and it said all 4 transactions went through and cash was dispensed. I called BofA immediately, and they told me the transactions were still processing, and I would need to call bac

k in 24 hours. I agreed, and asked if they would record this call on the logs to which they agreed. 24 hours late
r, 2 of the 4 charges disappeared, but 2 posted and said I had successfully withdrawn {$300.00} twice. I know this wasnt true because I did not receive cash, and had to pay the bill using another credit card instead of cash. On XX/XX/XXXX, I called Bank of America again, and began to file a claim. BofA credited my the {$620.00} total, which includes both transactions and the {$10.00} ATM fee paid twice, while they investigated. 

Bank of America came back to me on XX/XX/XXXX with a resolution letter saying they received the logs in question from the ATM, and the ATM dispensed cash. They also attached the logs, and asked if I had any documentation I could provide, I could continue to dispute. Unfortunately the failed ATM did not provide any expense or record of such. On XX/XX/XXXX, I will be charged the {$620.00} again. 

While I understand what the logs say, this is a machine, and machines fail. This was not considered. I know my experience and I did not receive cash. I am now out {$620.00} of which I did not spend, and would like to be reimbursed. As a nearly 20-year customer of BofA, this is the first issue I have had with them and am surprised my standings and loyalty did not carry in weight in this claim. I am also surprised BofA is not more interested in protecting me, the customer. 

An appropriate resolution would be to either cancel the upcoming XX/XX/XXXX charge, or credit me the {$620.00} I did not receive.

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 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 {$2800.00} copy of original written agreement With XXXX XXXX XXXX, XXXX XXXX XXXX {$650.00} Copies of the original written agreement with XXXX XXXX XXXX, XXXX XXXX XXXX {$610.00} copies of the original written agreements with XXXX XXXX XXXX, XXXX {$560.00} copies of the original written agreement with it XXXX, XXXX XXXX {$230.00} copies of the original written agreement, XXXX XXXX XXXX {$200.00} copies of the original written agreement 15 U.S.C. 1681 section 602 A. State : I have the right to privacy 15 U.S.C. 1681 section 604. A. section 2 : it also states that consumer reporting can not furnish account information without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18
Company: M&T BANK CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
the problem is with M & T bank since XX/XX/ 2022, and they never tried to help me, iI am so tired of this, went in person several times to 5 different branches traying to get help but, the bank was a mess that until this date nobody helped me to get my money back I am so upset, frustrated, very sad. 
in XX/XX/2022 I called my credit card and asked for an ACH deposit transfer to my checking account the amount was {$4800.00} but XXXX XXXX XXXX send the money to a wrong account number, I provided the wrong account number to M & T clerks and managers and they told me that XXXX XXXX XXXX need to do an ach reversal wich XXXX XXXX XXXXXXXX did like 5 times but M & t bank keeps rejecting them. and told them that they will fix the problem with me not with third parties, now my credit is damaged because M & T kept my money, money that XXXX XXXX XXXXXXXX wants me to pay and it is not fare because I never got that money. 
I provided to M & T bank transaction number and date the wrong account number were money was deposited all they had to do is move the money to the right account number they never did that, I spent hours and hours on the phone and lost hours of work time its very sad they didnt care. 
months have been passing and nobody cared. 
M & T ACH department tried to help and everytime send me to XXXX XXXX wich is a manager from XXXX branch, they told me that she will be able to transfer those funds to my account and she never did, all she said was that was that was XXXX error.

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 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
someone has illegally obtained my personal information and has been attempting to gain credit with my information, as a result of this I have several unauthorized inquiries on all XXXX credit reports that are reporting to my file and putting me in a financial hardship

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 2023-08-14
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 did not initiate these inquiries, and I believe they are fraudulent.

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 2023-08-14
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Comenity Capital Bank announced via email to customers in XX/XX/XXXX a promotional offer " EARN 2 % CASH BACK up to {$25.00} bonus cash back when you make eligible home improvement purchases with your XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX'. 
The offer period was XX/XX/XXXX - XX/XX/XXXX. 
I made several purchases during this period at stores like The XXXX XXXX and XXXX. 
I never received the promised extra cash back points. 
I contacted the company several times via their messaging system. Their usual answer is that I should call to speak to someone in person. 
I even submitted documentation about the promotional offer. I then called and spoke with a representative who claimed he never heard about such an offer but he would pass on a note to get back to me. 
The last conversation was with XXXX on XX/XX/XXXX. She also could not find anything about this offer but told me the Back Office will get back to me. No answer XXXX weeks later.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-25
Company: CL Holdings LLC
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XX/XX/2019 XXXX, is in complete violation of 15 USC 6802 and 1681B as they have absolutely no permissible purpose to report the alleged debt to the credit reporting agencies. 

Ive had no contact or agreement with them about this debt. Nor, did I agree to any of the debt mention above. Jefferson Capital Systems is unlawfully reporting this transaction and experience between this consumer, their company, and I, which also violates 15 USC 1681A ( 2 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
In accordance with the Fair Credit Reporting act. This account violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX -- -- DELETE THIS ACCOUNT BECAUSE THIS IS PURELY IDENTITY THEFT AND WRONG. You have no business continuing to report this on my credit report. I dont have any idea about this. 

FOR UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX - XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX - XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 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 a 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 A
ny 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 of 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 2022-07-04
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I applied for a Best Buy credit card and was approved for a Citi Bank card and was not aware that there was a {$59.00} annual fee. When I received the card, XXXX weeks later, I activated it but did not use it. In XXXX I paid the {$29.00} minimum payment when I realized that there was a balance due to the annual fee. XX/XX/XXXX, I contacted them as I realized I was XXXX day late paying the bill and they reversed the late fee and told me if I paid {$31.00} it would pay the account in full. 
However, I just received notification that {$30.00} was due this month, XX/XX/XXXX. I contacted Citi Bank and spoke to the representative who said she would remove the late fee but I would need to call back to cancel the card because the system was under maintenance. 
When I called back and spoke to the manager, he said that he could not remove the late fee because I made the XX/XX/XXXX payment XXXX day late. 
I told him that the person I spoke to on XX/XX/XXXX had said that I only needed to pay the {$31.00} to make my account current and he had removed all other late fees. 
The manager was not willing to assist in any way and kept saying he would have to go back and review the notes from the XX/XX/XXXX call but I had made the payment late so the late fee would stand even though the representative had told me my account on XX/XX/XXXX was current and paid in full. 
He refused to remove the late fee and said I had to pay it or it would be reported to the credit bureau.

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 2022-07-04
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX open XX/XX/XXXX I disputed the referenced account above on XX/XX/XXXX. The credit report of XX/XX/XXXX shows this item was deleted from my credit file. Now I notice this item has been reinserted on my credit report. 

Under the requirements of the FCRA, as provided below, I am hereby requesting your complete compliance with all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

I have received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your company may avoid such action by immediately deleting this listing 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 non-monetary relief
Consumer complaint received 2022-09-24
Company: EQUIFAX, 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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
XXXX  XXXX XXXX transferred all customers of their XXXX XXXX XXXX XXXX to Comenity Capital Bank in XX/XX/2022. I now have their so called XXXX XXXX XXXX XXXX XXXX Credit Card. 
However, XXXX never provided me with a XXXX XXXX XXXX, something all other credit card companies I am using either send via mail or make available online. Therefore I do not know what benefits come with this card, like purchase protection, extended warranty, delayed luggage benefits, auto rental insurance etc. etc. 
I contacted XXXX multiple times through their messaging system as well as in person via phone. None of the agents do understand what I am looking for and nearly one year later I still do not have this Benefit Guide. 
I am therefore hesitant to use this card for any important purchases. In addition their website has frequent technical issues which makes it even harder to resolve any issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-08
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021 I received a call from a PennyMac agent to refinance my house. He sent an estimate of my new payment and interest. He sent paperwork thru email for me to sign. I did sign everything thru electronic signature. I did not hear from him for few weeks. Which I called him several times in between and left several messages in his voice mail., no responses. Like in XXXX, I received a packet my mail for me and my husband to sign and send it via fax, which I did. Same thing no response that he received the packet or nothing. Late in XXXX I called the company directly and asked about my refinance processing and I was told that my application has been cancelled for no response. I tried to explained how it happened and I was told that my agent 's supervisor was going to call me. Until today, I have not received a phone call from any supervisor. I just got a call form the agent the same day that I called the company asking to speak to a supervisor and I was told by him that my application cancelled because I never submitted any documents. All he said sorry but we only give 15 days to provide documents, but he never told me this and I never received a letter telling me of the decision. If you want to re apply we will give you new rates. sorry and hanged up. I cried because I feel betrayed and laughed and discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
M & T Bank misidentified a charge as fraudulent activity and froze my account. When attempting to resolve the issue, customer service could not help me, and referred me to the fraud department, which is not answering phones. I have been trying to resolve this for over XXXX hours and most recently have been on hold for XXXX minutes ( and still waiting ).

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 2022-07-29
Company: Checkr, Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I applied to drive for XXXX and was denied based on a report that was run by checkr Inc. It stated My license was suspended. I had checkr do a reinvestigation to show the updated status of my license as valid. I recieved that updated report from checkr on XX/XX/22. I've been reaching out to XXXX who keeps telling me that they have not recieved the updated report from checkr so that my account may become activated. They have escalated this issue to checkr multiple times. I have also reached out to checkr via their website also via email, via phone, via XXXX and have not been able to get a hold to anyone. Here it is another 5 days and I still have not gotten a response and nor has XXXX. This company provides no customer service or help what so ever. Now I am sitting here losing income because checkr is non responsive and had not helped with the problem.

Company response to consumer: Closed with explanation