BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-13
Company: BARCLAYS BANK DELAWARE
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: Confusing or misleading advertising about the credit card

Complaint:
Credit Card Product : XXXX XXXX XXXX. 

First Issue : This card has a " Round Up '' Program where they will round up your purchases to the nearest dollar, add to your account balance, and send that extra " rounded up '' amount to your XXXX  account. The terms explicitly state that there will be no interest charged on the rounded up amount. However, if I made {$500.00} of purchases, and had {$200.00} rounded up ( for a total balance of {$700.00} ), if I paid the {$500.00}, the credit card would still charge me interest! 

Second Issue : They previously had a program where you would get a 15 % bonus on all your rounded up amount. I made purchases on this card relying on this 15 % bonus. I got a notification at the end of XXXX that starting XX/XX/XXXX, they would be discontinuing the 15 % bonus. When I checked my latest statement ( ending XX/XX/XXXX XXXX, I did not receive the 15 % bonus for any of my purchases in XXXX. It was a change to the rewards program that was retroactive and without notice!

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 2023-05-27
Company: EQUIFAX, INC.
State: NV
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$510.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX ) XXXX Balance : {$15000.00} ; XXXX XXXX XXXX XXXXriginal Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$630.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$610.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Bridgecrest Acceptance Corporation
State: VA
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:
15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1691 Section 604 A Section 2 : It also states a consumer can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card as an open-end consumer credit plan as late for an purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: CW Financial
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was trying to resolve a payday loan I had that was sent to XXXX XXXX. I had been paying biweekly, and then weekly consistently for some time. Back in XXXX, a payment didn't go through and I was told they couldn't help me. I wasn't allowed to change my payment schedule because they said I had changed it too many times before, which is fair. I had tried contacting them, and had left voicemails, and no one reached out to me. I received a call at the end of XXXX and set up payment arrangements again. I had informed Mr. XXXX that my job doesn't pay on a normal bi-weekly schedule. I'm paid every 15 days. My last {$200.00} didn't go through. It came from my card as a pending charge, but XXXX said it declined. I called, left a voicemail and asked them to try once more before I could change cards. I received a new voicemail that said I needed to call directly. It came from an Unknown Number, so I couldn't call it back. I called the number I had saved and left another voicemail. Today, XX/XX/XXXX, I received a call saying I would be served papers XX/XX/XXXX. I called to see what was going on, and was asked if I had the {$330.00}, which is {$130.00} more than what I owe. I explained the issue with my card and her response was " So, you don't have it? '' She told me that they were no longer going to assist me and that I should've been served a long time ago and she wasn't sure why they hadn't. Which I felt wasn't necessary. I asked her if I could speak to Mr. XXXX because I wouldn't be in town on the XXXX, and she said no because he didn't work in that office. He also had called from an Unknown Number, so I couldn't call back from my phone, and she wouldn't provide any information for me to talk to him. Basically, they win the judgement because I won't be in town when the papers are served, and I was told that I can't reach out to anyone. I've been trying to pay this off, and I did fall off on payments once I lost my job in XXXX, but the communication has been awful. And when they call, they call from unknown numbers so I don't anwer. XXXX XXXX XXXX number is XXXX ( this is the number Mr. XXXX gave me in my voicemail ). The number I originally had for them is XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2021-12-24
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I don't have the exact dates but back around XXXX or XXXX I moved into some apartments in XXXX, TX and began to have trouble with staff they ran into my car with a cart I called the police and started having people throw stuff at car but ultimately had to leave had a parent with XXXX to take care of because my mom could no longer care for him she had XXXX. Left the apartment in good condition after staying there for 7 months no property was destroyed. Had one time XXXX XXXX XXXX XXXX XXXX XXXX but it was due to XXXX. I received a call from hunter Warfield collection agency saying they were going to sue me if I did not take care of it, but I received an outrageous bill like property had been destroyed which at the time I had pictures that I had taken before I left. Then now like every one or two days they are increasing the money I owe like they are trying to destroy my credit it's way to old for the amount to be increasing. I think they are literally doing it on purpose I have never seen anything where they increase balance owed every two to three days on credit report monthly maybe but this is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
15 U.S.C 1666B States : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: EQUIFAX, INC.
State: AL
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:
This is my 6th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX XX/XX/, XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$48000.00}, XXXX XXXX XXXX Balance : {$2900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: EQUIFAX, 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:
Filed 3 disputes online with my equifax they are still reporting account a closed account with XXXX XXXX XXXX since XXXX as past due on XX/XX/XXXX. I filed same dispute with same proof of written and pictures with transunion and it was removed from my file totally. My correct reporting should show the first day of delinquency was XX/XX/XXXX and acct was closed XX/XX/XXXX. This is too old to report over 7 years so how am I late XX/XX/XXXX with a past due balance for XXXX. This is affecting me trying to buy a home and they will not correct this mistake. How can XXXX fix something but they wont. I dont know what else to do but this is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 a Tax Disbursement was made to the incorrect property in the amount of {$2200.00}. After receiving a letter in the mail stating my property taxes were not paid I reached out to LakeView to find out what happened. I was informed that the incorrect taxes were paid. Instead of refunding my escrow the original amount they then pulled another {$1100.00} from the escrow account. I have contacted the company multiple times from XXXX to now XXXX. Those that assist see that its not right and {$2200.00} should be refunded to escrow and thats as far as it goes. I got the same answer from management. Nothing has been refunded to this day. I need the {$2200.00} refunded to my escrow account.

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: EQUIFAX, INC.
State: MA
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 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Account Holder Name : XXXX XXXX Address of Account Holder : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Citbank Account No. XXXX On XX/XX/XXXX I opened up a Citibank Personal Checking Account under my name, XXXX XXXX. This was for a promotional offer where I was to get {$700.00} bonus if I place at least {$50000.00} in the account for 90 days. I placed {$51000.00} on XX/XX/XXXX into my Citibank Account no. XXXX. I check my bank account online weekly. When I went to check online on XX/XX/XXXX the citibank online website said that my account was BLOCKED. I called the Citibank customer support team several times and they said that they could not give me any information and that I will be receiving in 30-60 days a letter with an explanation. I then went to the XXXX XXXX Citibank and spoke with XXXX XXXX, an account representative. He told me the same thing. Meanwhile I do not know what is going on and where my money is. 
Please email me at XXXX. Thank you very much for your help with this. My phone number is 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 non-monetary relief
Consumer complaint received 2018-08-27
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XXXX of this year I went to XXXX XXXX XXXX on XXXX XXXX in XXXX, Ohio and borrowed {$1000.00}. It was a payday loan to be paid back in four installments for four months from monthly social security checks. The first payment due was approximately {$370.00} but I paid {$600.00}. After the payment was made I was given a receipt that said I owed {$770.00} as a new amount financed and {$290.00} as a fee amount for a total of {$1000.00}. 

I had intentions of paying this off in two months. They are now telling me if I pay the finance fee only, I will keep getting the same finance fee. To end this they are telling me I have to pay the {$1000.00} with my social security check in XXXX. 

How is it legal for them to charge me {$75.00} more than what I borrowed after I have paid them {$600.00}. 

I have called the office and the corporate office only to be told the same payoff information from everyone I have spoken with. My last contact 's name is XXXX and his phone number is XXXX. He said he received his information from the corporate office. 


I have tried getting all my paperwork but I keep getting told different places to contact for it and when I do they say it is not their department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX  XXXX Balance : {$7100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Franklin Collection Service, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/ I pulled my report to see a medical debt from a collection agency from Franklin Collection SV in the amount of {$470.00}. This is not mine and I believe i am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: EQUIFAX, INC.
State: IN
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:
This is the several times I've complained about being a victim of identity theft. You must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items are inaccurate that needs to be removed : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX Balance XXXX XXXX {$0.00} ; XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
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: Information belongs to someone else

Complaint:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I think Bank of America is perpetuating account fraud. They have now twice opened a banking account in my name without me requesting it. The first time I assumed it may have been someone trying to execute a fraud against me but am now convinced this is a Bank of America issue. I haven't used bank of America for several years but they previously were a mortgage lender before I refinanced. As you can see in the documentation I've attached their email indicates an application was submitted online ; however, I've also attached a separate screenshot showing recent log-ins to my account. As seen on that screen I haven't logged into the account except for today to close the account and submit this complaint. I believe they are trying to create a fictitious account to charge me a monthly fee and boost their metrics similar to what XXXX XXXX was reprimanded for several years ago.

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