BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2023, the company XXXX XXXX, double charged me {$120.00} for drinks that I purchased on that date. 

I disputed it with Bank of America that they double charged me. They ended up " resolving '' the claim since the merchant provided receipts. 
I looked over the receipts I notice both receipts have handwriting that looks nothing like mine. 

For the first receipt : the amount charged was {$120.00}. It clearly says on the receipt that it was a duplicated receipt ( not the original ). The bill is supposed to be {$60.00}, but they made a duplicate receipt and tipped themselves {$60.00} in a handwriting that looks nothing like mine. I usually appropriately tip but a {$60.00} tip on top of a {$60.00} bill for bad service is definitely not something I would do. 

For the second receipt : the amount on my BANK statement is {$120.00}. Again, not my handwriting. They tipped themselves {$55.00} on a {$70.00} bill, which makes no sense because they clearly write {$120.00} on the bill. They forged my signature and incorrectly put the total amount. This alone is a clear indicator that they tipped themselves. 

I read online that Bank of America will usually side with the merchant since I was there at that date and I did not lose my card so it will most likely be a lost situation for me. I unfortunately did not take a picture of my receipt, but I will now on future international travels.

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 2023-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Thursday, XX/XX/XXXX, I entered branch to activate on-line access to my accounts. The tellers refused to assist, saying we do everything on-line now. After a few minutes one teller sat with me and helped set-up my cell number, stating it would take XXXX hours to access.3 days later I tried logging in, attempted the phone service team and was promised resolution in 3-4 days ; Very frustrating and I received no promised call from a manager. 

Now, weeks later, I tried again and your representative said it may take another 30 days to get this resolved. WHAT? This is my hard earned money being held captive and I am unable to transfer funds and pay my bills. I will be taking legal action for my grief as well as well as removing all funds from the bank as soon as I am able. 

This was the error code that takes XXXX weeks to look at ; We've hit a snag. 
Looks like something went wrong with the site, but we're working on it. Please try again shortly. 

XXXX OK Please visit our FAQ for more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Reporting not verified or accurate information

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 2023-07-29
Company: EQUIFAX, INC.
State: GA
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 DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNT ( S ). BLOCK AND REMOVE!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Dear Sir/Madam, I am writing this letter to dispute the recent decision made by Elan Financial Services to drop my credit limit from {$16000.00} to {$9700.00} strongly believe this decision was unfair and unjust, and I am seeking your assistance in resolving this matter. I started using the card more recently and was surprised to find out that my credit limit had been reduced without any prior notice. They have displayed similar actions in the past that I had to file a complaint for. Im just a consumer trying to build credit with a company that seems to be perfectly ok with destroying it as fast as they gave credit. I was never informed about any missed payment, nor did I receive any statement or phone call from Elan Financial Services regarding this matter. When I called to inquire about what had happened, I was informed that they had sent letters to me. However, I never received any of these letters, and as a result, I was unaware of any issue with my account. I was willing to make the payment in full to restore my credit limit, but I was informed that this was not possible, and I would have to request a credit limit increase that caused another credit inquiry. Keep in mind I have been making my payments every month. The payment isnt even 30 days past due but they sliced my credit limit in half. I totally didnt receive this notice so as a responsible Credit user I called to check on what was going on. I understand that Elan Financial Services has policies and procedures in place to manage delinquent accounts. However, I believe that the reduction in my credit limit was unjustified, with me making payments every month with zero issues. I thought It was on auto pay but it wasnt. So it was I minor overlook of the payment due. I am requesting your assistance in resolving this matter, and I would like to request that Elan Financial Services restore my credit limit to its original amount of {$16000.00} or higher. I believe this is a fair and just resolution. Thank you for your time and attention to this matter. Please let me know if there is any additional information required to resolve this dispute.

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 2023-07-29
Company: EQUIFAX, INC.
State: DE
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. 

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: MIDFIRST BANK
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hello, I was between jobs and fell behind on my credit card payment. I made the payment to bring it current online, as the account was showing active and also allowed my to transfer into the account. On the app, it shows that the card even has an available balance. As I tried to use the card, it declined. I called and was told it was in a closed status and the card could not be re-opened. I feel that the statement and the mobile application is both deceiving and provides misinformation. The card shows open with an available balance and I brought it current to retain it. This is a poor practice and is very misleading. I want this card reopened as I was led to believe.

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: PENNYMAC LOAN SERVICES, LLC.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan is serviced by PennyMac. I have had two issues with my escrow account requiring me to call PennyMac. The most recent issue has been regarding my homeowners insurance coverage. 

XX/XX/XXXX : We received an e-mail from XXXX XXXX alerting us that our homeowner 's insurance payment was overdue. 

XX/XX/XXXX : We received a letter from PennyMac that our homeowner 's insurance had lapsed. 

On the PennyMac website, under the Escrow page, it shows the current insurance policy number matching the insurance policy coverage period of XX/XX/XXXX - XX/XX/XXXX. The old policy matches the new policy received for the coverag eperiod of XX/XX/XXXX - XX/XX/XXXX. XXXX XXXX stated they have reached out twice to receive payment from the escrow and have not yet received payment. Per the PennyMac website, it shows the " Responsible party '' as " PennyMac on Borrower 's behalf '' The earlier issue I had was for remittance of the property taxes. Similarly to the current circumstance, I had to contact PennyMac to let them know I had received a delinquent property tax notice from XXXX XXXX, MN. The payment information and payment due date in PennyMac 's system matched with what was on the property tax statement. I also had to request that they pay the late fee assessed on my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I am the victim, in an identity fraud, attempted credit card acquisition and hard inquiry scheme that occurred twice, on the dates, of XX/XX/XXXX ( XXXX XXXX XXXX and XX/XX/XXXX XXXX XXXX  reporting ). Bank of America XXXXredit cards was the host bank that conducted these fraudulent credit inquiries which was initiated by an unknown person who stole my personal information credentials possibly from a XXXX address as disclosed to me by Bank of America fraud department. However, my conversations with Bank of America fraud department, on XX/XX/XXXX yielded no results, in removal, of the hard inquiry pending conclusion of their investigation. In fact, the violations of my credit files continued with another fraudulent credit inquiry, on XX/XX/XXXX, at which time I spoke to XXXX, a member of Bank of America fraud department who advised me that a letter will be sent out to me, by Bank of America confirming the fraud credit breach which would have allowed me to secure a police complaint report in XXXX XXXX XXXX. There has been no communication from Bank of America since XX/XX/XXXX. The 2 fraud credit inquiries still remain on my credit report, from 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 non-monetary relief
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: NV
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:
My credit report is showing late payments to XXXX XXXX XXXX and XXXX  XXXX BANK NA XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
State: AE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Experian blocks any access to their site from outside the USA, which is understandable given that credit reporting is a USA thing. 

But, they make it a hurdle for people who are working overseas, such as myself working for the XXXX XXXX XXXXXXXX overseas, or people XXXX in a military status to monitor their credit or pull credit reports. 

No one should have to purchase an external VPN to have to access their credit report. XXXX nor XXXX have such a block. ( Attached Screenshot )

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 2023-08-17
Company: EQUIFAX, INC.
State: SC
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:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account 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 XXXX XXXX XXXX XXXX XXXX REMOVE THIS IDENTITY THEFT ACCOUNTS ASAP !!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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. 

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 non-monetary relief
Consumer complaint received 2023-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Capital one credit, I have XXXX  closed cc accounts from XXXX, that were all paid in full on XX/XX/XXXX. Capital one Quick silver card ending in XXXX was reported 30 days late in the month of XX/XX/XXXX. I paid the full balance that was shown {$190.00}, on XX/XX/XXXX, On the card ending in XXXX, is currently showing a {$12.00} balance, which i was not made aware of at the time of fulfilling the full amount due. Capital one told me over the phone that the account was still open, which is not true as reported on my credit report, and i do not have any access to any credit as the account states, {$0.00} of available credit out of a {$300.00} limit, with a {$12.00} reported balance. All three card accounts I had with them are closed and have been reported as so. In XX/XX/XXXX they reported a late payment of 30 days late, on an account that was closed in XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: EQUIFAX, 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 US Department Of Edu # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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 2022-10-22
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 US Department Of Edu # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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 non-monetary relief
Consumer complaint received 2022-10-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently opened a new checking account ( XXXX ) because I was having issues with unauthorized transactions ( funds ) going from my citizens bank account to a company named XXXX XXXX. I filed a complaint concerning this matter cs # XXXX. 
The case was resolved and closed. Now I'm having the exact same issues with my newly opened account. Fund going to XXXX XXXX again. The amount of the transaction is {$150.00}. on XX/XX/2022 I didn't authorize this transaction and am concerned and curious as to how someone is getting the banking information from my new checking account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-12
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-24
Company: Experian Information Solutions Inc.
State: IL
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:
Multiple complaints have been filed with you highlighting your violations of my consumer rights. You have consistently denied and disregarded my complaints, despite having no evidence to support your position. You have also committed numerous acts of fraud against me. Attached to this letter is an Affidavit of Truth that details the violations of the FCRA that have been committed against me. These Bankruptcy accounts must be removed immediately from my consumer report/file ; otherwise, I will pursue you in federal court for these violations, as I have months of paper trail and deletions from the other consumer reporting agencies admitting the violations. This is the account : Bankruptcy XXXX XXXX dischargedXXXX

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 2023-10-06
Company: ROBINHOOD MARKETS INC.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX I woke up and my money was gone I talked to support they told Ill get provisional credits now they telling Im not getting my money back and I didnt take it off my card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
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: Account status incorrect

Complaint:
I have new and updated information regarding this negative account that is reporting to my credit profile. Im submitting this complaint by myself and there is no unauthorized third party involved.

Please open disputes and have this removed immediately.

Company response to consumer: Closed with explanation