BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-03
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Late last year I received an email offer from BBVACompass bank asking me " to come back ''. They offered me {$150.00} if I opened a checking account with them, made an initial deposit of {$50.00} or more, and had  XXXX  direct deposit of at least {$300.00} deposited into the account within 60 days of account opening. I tried opening the account online but the system directed me to go into a branch. I did that on  XXXX / XXXX / XXXX  and opened the account with the bran ch manager a nd deposited {$50.00}. A direct deposit of {$300.00} was made on  XXXX / XXXX / XXXX  from my employer and numerous calls and emails to them have resulted in multiple promises to deposit the {$150.00} into my account. Continuous run around and still nothing. It is impossible to speak to a representative that actually has the power to give me the money that I 'm owed. They are never " available ''. Early on in this process I phoned the  manager  who opened my account in my local branch, and he told me that he 'd heard from at least  XXXX  clients that are having the same problem. He told me that they were n't getting their cases resolved unless they had the original copy of the email sent to us by BBVA. I have a copy of that email and I 'm still not getting the money I 'm owed. This is known issue to the bank and yet they do nothing to fix it. Abysmal customer service. On a side note, I left the bank originally because they were highly inconvenient and had a poor online presence.     No business should be allowed to treat their customers in such a shabby way, at least without their being a public record of their behavior. I am seeing your help to get the money I 'm owed and log a complaint that hopefully encourages them to change their ways. Thank you in advance for your assistance with my claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
State: CA
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: Other problem getting your report or credit score

Complaint:
This all started back in XXXX. I have sent them over 17 documents in the past months and have sent they 9 more since then. They keep coming back to me with more an more updates. I'm almost done with them. They keep getting high interest from me every month. They will not even help me get my credit report activated again. I have sent them a letter requesting them to put me back on the credit reporting. And they have refused me. They have also said to me that they need clarification over and over again. This should have not taken 9 months to do. I have sent them month after month of Bank Statements. I need your help with this please! Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: Experian Information Solutions Inc.
State: MD
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:
My name is  XXXX   XXXX   XXXX  not  XXXX   XXXX   XXXX , or  XXXX   XXXX  and my address is   XXXX   XXXX   XXXX    XXXX   XXXX  Md  XXXX  not  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   KY  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX     XXXX   XXXX   XXXX    XXXX   XXXX   KY  XXXX ,  XXXX   XXXX    XXXX      XXXX   XXXX   KY  XXXX   XXXX   XXXX    XXXX   XXXX     XXXX   XXXX   KY  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   Ky  XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   KY  XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX    XXXX    XXXX   XXXX    XXXX   XXXX   XXXX    XXXX . Also my phone number is  XXXX  not  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 2017-05-03
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
we had aclose death in our family, I did not look at my statement and made what I thought was my regular payment, I was  XXXX   XXXX  dollars short, not late! I told them i would gladly pay all penilties with my next statement. We have recived constant calls daily, even when we told them to stop calling! We got calls before  XXXX   XXXX  and after  XXXX   XXXX , I have all on my caller Id or I can get a copy of calls from   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 monetary relief
Consumer complaint received 2019-09-17
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This is not the first time that I have an issue with Citibank 's dispute department. Every time I call, it seems that nobody knows what's going on. They tell me that they are making a note in the system that whomever picks up afterwards can't see. 

I contacted Citibank at some point in midXX/XX/XXXX about a XXXX transaction that I had cancelled because the recipient couldn't withdraw the funds. XXXX was very fast in answering my emails about the whereabouts of the funds. They informed me that the transaction was successfully cancelled and that the funds were credited back to my debit card in the amount of {$150.00}. They sent me an email with the date, amount, transaction ID number, card number where the funds were refunded. All this information was provided to Citibank along with a signed explanation of what happened. This was a form that Citibank mailed to me on XX/XX/XXXX. I mailed it back to them on XX/XX/XXXX. They told me that after receiving this letter, they would consider a temporary credit until the dispute was resolved. They acknowledged that they received the letter in XX/XX/XXXX and asked me to follow up after XX/XX/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 2019-06-06
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX ; Experian and XXXX  are falsely reporting late on the DEPT OF ED/XXXX and DEPT ED/XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also please reference pages 4 and 5 of the attached credit report. My child was a XXXX in XX/XX/2015 and these student loans should have been deferred. Please remove these line items from my credit report. This incorrect reporting is harming my credit score.

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 2023-05-20
Company: Atlanticus Services Corporation
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Paid off card in full so it would be available for XXXX but misplaced card in my house so I asked for a new one. Couple weeks later a got a message asking if I was trying to use my card for a {$1200.00} purchase. I immediately replied No and was told to call Fraud department, which I did. I was told that my new card was activated and used. I asked how that was possible if it wasnt me. They repeated a # that I dont know and is not my phone #. They cancelled card and told me to fill out paperwork and send back to them. I did as instructed and the charge was temporarily removed. I got a letter that said that dispute was not in my favor so once again I called to state my claim. They once again removed the the claim after sending in a written statement. Few weeks later I received the same results. I called investigators at this company and no one calls me back but they are still asking for payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX  continues to report to credit agencies I was l ate in 2015.   My loans should have been in deferment as i was in school and the months that followed.     Since I have paid a substantial amount of the loans off and pay every month. They have told me they were removing the late payments from my past but never have. I have also reported this to credit agencies yet they are not able to correct either.     My record should not show any late payments as i have perfect credit.     If this does not work, I am going to find an attorney

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 2023-05-01
Company: U.S. BANCORP
State: TN
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX XXXX charged my card for a frivolous charge that I already had disputed with XXXX and they assured me that they were not going to charge my card, well they did, after several attempts to resolve this with XXXX, I turned to my credit card company. XXXX c harged a card that was not currently activ
e on XX/XX/XXXX the card that was charged was inactive. 

2nd I sent Elan emails showing that XXXX said that they were not going to charge me. 

3rd - the following is communication between myself and ELAN... I submitted same documents several times on the following dates, with the company denying that they received them until XX/XX/XXXX - XX/XX/XXXX - spoke with agent said they sent mail, I received nothing -XXXX  XXXX, XXXX spoke with XXXX XXXX # XXXX XXXX -XXXX  XXXX, XXXX after agent hung up on me, spoke a Mgr, that hung on me as well -XXXX  XXXX, XXXX also faxed docs again -XXXX  XXXX, XXXX Employee decline employee number, and said someone would call me back XX/XX/XXXX, faxed documents again XX/XX/XXXX very rude employee XXXX hung on me, declined employee # XX/XX/XXXX spoke with Manager XXXX and said she would call me back, never did XX/XX/XXXX spoke with XXXX someone will call me back, no one did XX/XX/XXXX spoke XXXX employee # XXXX, she said that had not received documents and someone will reopen case and hung on me XX/XX/XXXX - I called back spoke with XXXX call conf # XXXX XXXX she refused employee number, she said she will call me back on Monday which is today after business hours and no call back

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 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am not liable for the debt with XXXX  and I do not have a contract with them or XXXX. I know nothing about this account and demand it be removed ASAP

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 2023-05-01
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
XXXX XXXX submitted a false lease agreement and submitted a false statement saying " XXXX XXXX is not in a position to have this removed from my credit report ''. Because XXXX XXXX was in the position to place it on my credit report. They only harass minorities by reporting a non collectable debt on the files.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: ARC Management Group, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I got a credit report and noticed that ARC Management Group , LLC said I owed  XXXX  hospital emergency room {$110.00}. This debt collection is not mine and I was wondering how to get it removed from debt collection as it is preventing me from applying to get a credit card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: American Credit Acceptance, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
American Credit Acceptance contacted me by both mail and phone stating they bought my alleged car loan from XXXX XXXX XXXX XXXX. I never received anything in writing from that car company alleging they sold this alleged debt and they don't have any affiliates per my consumer credit transaction records. I sent a letter to American Credit Acceptance on XX/XX/XXXX requesting for them to send me proof that they are the holder in due course and until they produce it, cease and desist contacting me. I also advised that them having my non public personal information was aggravated identity theft since they created an account in my name using this information with no permission given by me for them to have it. The letter was sent certified and return receipt shows it was received XX/XX/XXXX. I received a letter back from American Credit Acceptance dated XX/XX/XXXX acknowledging receipt of my dispute and letting me know that i need to show proof of police report and FTC filing due to me alleging they are committing identity theft while asking me for MORE personal information! They did not send proof that they are holder in due course, they're still asking me to pay them money allegedly owed to them and they are violating my cease and desist by still calling me. I have received 7 calls since they received my letter that included a cease and desist request from me on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: Experian Information Solutions Inc.
State: KY
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:
On  XXXX   XXXX , a dispute letter to the  XXXX  credit reporting agency was sent to validate the accuracy of a bankruptcy and  2    XXXX  udgements. I never received a letter back but on  XXXX   XXXX , I called and checked the status of the dispute. I was told that the dispute was completed. The bankruptcy was verified and the judgments were deleted due to no validation. I asked who verified. I was told the bankruptcy was verified by the  XXXX   County Federal District Court.  When I contacted the  XXXX   County Federal District Court , I was told  by County  Clerk,  XXXX   XXXX   XXXX , that the bankruptcy could not be verified due to not finding any information on me. I resent a re-investigation dispute on  XXXX / XXXX / 2017  and   XXXX   received the dispute on   XXXX  -2017. On   XXXX  -2017, I called again to check the status and again was told that bankruptcy was verified. I asked how was it verified and she stated that they do n't verify. They do n't look at any paperwork and that they depend on the computer system to verify any information received. No human eyes looked at the information/paperwork until it is labeled verified into the computer. So I asked, " did you actually talk to anyone and she stated no we do n't, just sent a transmission through the internet. which is a violation of the FCRA. It was all done in less than a day and without accurate verification. I would like this bankruptcy removed due to it being inaccurate and because validation was never received to report this error. This bankruptcy is not allowing me to become a independent person. I have to rely on others for my living situation due to this reporting on credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. Here is the list of information I need removed/blocked from my credit reports : inquiries AMERICAN FIR Inquiry Date XX/XX/2020 ; XXXX/XXXX  Inquiry Date XX/XX/2020 ; XXXX  XXXX  Inquiry Date XX/XX/2020 ; XXXX XXXX XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX  XX/XX/2020 The following address needs to be removed XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX & the following account XXXX XXXX XXXX Balance Owed : {$8500.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$390.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$710.00} ; XXXX XXXX XXXX  IN XXXX Balance Owed : {$3800.00} ; XXXX  XXXX  XXXX Balance Owed : {$100.00} XXXX XXXX XXXX Balance Owed : {$1000.00}.

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 non-monetary relief
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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, 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 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 non-monetary relief
Consumer complaint received 2022-03-22
Company: PROVIDENT FUNDING ASSOCIATES
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage Payment was mailed to address on coupon provided by Provident Funding, same as I've done for last 20+ years. They claim they never received the XX/XX/XXXX payment, mailed on XX/XX/XXXX. I called customer service, and was told to cancel the check and resubmit, which I did immediately. However, they are INSISTING that this is my fault and are assessing a {$39.00} late fee. They refuse to refund the fee, stating that is " wasn't a Provident Funding '' error. However, there's really no way to know where the error is... ..they send me a coupon book and instruct me to send the check to a lockbox/ po box , and from there they have a courrier pick up. For them to give me these instructions and then say they have no responsibility if something goes wrong ( once in 20 years! ) is ridiculous. I've made good on the payment and want my {$39.00} refunded.

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