BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-14
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I started a contract with Sears Whole Home Warranty in XXXX. I generally paid my monthly home warranty premium $ XXXXmth prior to due date, but in XX/XX/XXXX the premium was double charged in the amount of {$69.00} [ twice ] paid on XX/XX/XXXX and not reflecting on XXXX XXXX XXXX  and paid again on XXXX reflects on XXXX XXXX XXXX  and indicated as not paid on ShopYourWay MC and my water heater also broke down and I have a XXXX and needed the repair done quickly. The {$100.00} deductible was paid on XXXX and reflected on XXXX XXXX XXXX [ partner to Sears Whole Home Warranty ] but it was not reflecting on Citi-ShopYourWay MC ; I was being charged again double for a service I had already paid for ; I paid the {$100.00} deductible again on XXXX { I called, I emailed, I mailed proof of my bank 's proof of payment along with XXXX XXXX XXXX Account portal of my payment history and crossmatched it with Citi ShopYourWay MC payments, with miscellaneous documentation of the emails and calls } all to no avail. The pattern of several calls and emails and a couple of letters continued through XX/XX/XXXX and on XXXX I spoke with a Rep XXXX XXXX # XXXX and was told not to pay the premium due XXXX for {$69.00} due to a dispute being opened and it takes 45-90 days for a decision. Since that call on XXXX, I started getting PAST DUE CALLS and being penalized with late fees/and mounting charges. As a result on XXXX, spoke with XXXX - ID # XXXX and the account was closed. no conf # given I requested in all of the above correspondence for the duplicate premiums paid out along with the late charges and fees attached and most recently the XX/XX/XXXX premium and the XX/XX/XXXX which seemed to be as a result I most recently paid {$210.00} [ XX/XX/XXXX {$180.00} + {$28.00} XX/XX/XXXX ] The most frustrating thing was the two companies Citi SYW MC and XXXX XXXX XXXX pointing the finger at each other in blame with no one giving a solution. After my own research I resolved, several consumers had similar complaints with Citi-Shop Your Way MC and their payments not being processed properly. In total my resolve should be {$270.00} XXXX {$69.00} XX/XX/XXXX premium + {$100.00} XX/XX/XXXX deductible + {$39.00} late fee in XX/XX/XXXX + {$69.00} XX/XX/XXXX charges received well into XX/XX/XXXX after the account should have been closed ] The representatives there on either side are no help what so ever and this whole thing has been a nightmare!

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX BalanceOwed : {$15000.00}.

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 2019-09-28
Company: LoanCare, LLC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
By far the worst experience I ever had with any financial company. This company is scam and should be shut down! 
This company is violating the laws ( UDAAP ) and needs to be held accountable. 
My story : Unfortunately I foreclosed on my home in 2018 and received a debt cancelation documentation from my lander at the time ( XXXX ). I ended up taking a huge loss and paying almost 30k to IRS to cover this free money that was forgiven by lander. 

This other company started contacting me recently via mail ( LoanCare ) stating that they are my lander now!?!?!?!?! How can they be my lander if I dont even have an open loan ( with them or anyone else ). 
I contacted them attempting to clarify and resolve this mix up. I was already upset and wasnt very nice to several reps/managers who were asking me ridiculous questions and not willing to help in any way. Only thing I was asking is to be removed from their mail list and for them to stop contacting me about the loan I no longer own. 

Well, someone from this company decided to retaliate and reported a new open loan with 24 no/late payments to the credit agencies.

My credit score went down 150 point for the loan that I dont even have!? 


After several hours on the phone, I spoke to two different supervisor and no one could tell me what in the world is happening. They both ensured me this will be handled with urgency and this remarks will be removed from my credit report. 
Well, 2 weeks later nothing was changed. 

Just spoke to another rep from this company who refused to transfer me to one of the supervisors, was extremely rude and obnoxious and ended up transferring me to no one ( hanged up on me ). 

This is completely unacceptable and I'm counting on CFPB to assist me resolve this situation and quickly. 
I did some research on this company and couldn't find a single positive review from any of their customers. 
Please contact me if you require more 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 explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: NY
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:
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 2023-02-09
Company: EQUIFAX, INC.
State: CA
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:
There are XXXX accounts being reported thru XXXX XXXXXXXX BANK thru all XXXX credit reporting agencies EQUIFAX XXXX and XXXX. these accounts were open fradulently onine with someone that stold my wallet and stold my personal identifying information that was inside such as my XXXX ID card and my social security card. These accounts have been reported to XXXX POlice Department for further investigation. I do not own these accounts and I would appreciate it if you remove all this debt from my credit reports. It is innaccurate and the information is not my ownership. This is not fair as my identity was never verified prior to the opening of these accounts. PLEASE REMOVE IT FROM CLOSED from all XXXX credit bureaus. This is the information to whom has my idenity information and is reporting this fradulent acconts on my credit report. PLEASE REMOVE THESE PROMPTLY. im willing to do whatever i need to submit to you proof that this does NOT belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Credit report showed {$180.00} from Synerprise and I didnt receive any notification about this debt or 30 days to report. The debt has been paid as its medical once I saw it on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XXXX, I reached out to XXXX  and requested : I request a goodwill removal of the negative ratings on this account due to XXXX. I enrolled in the XXXX XXXX  during that time so the account should not have reported late. Please help me as the XXXX late payments are causing a negative affect. 
XXXX  did not respond and the credit bureaus are still reporting the inaccurate information even after submitting proof that the information was 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 2018-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
I opened a Bank of America Travel Rewards Credit Card in XX/XX/2018. They had conditions when opening a card, if you spend {$1000.00} ( in stores! ) for the first 3 months of use, you will get XXXX bonuses. As a result, I spent {$1000.00} for 3 months but did not receive bonuses! Fake information on the BofA web-site and on the terms and conditions of the credit card luring customers to open your cards?

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 2023-04-15
Company: American Coradius International LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Received a letter from American Coradius International LLC ( XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX NY XXXX ). 

The letter stated that American Coradius International LLC is a debt collector and that I owed XXXX {$38.00}. 

I have not responded to this letter as I have NEVER had a XXXX account or used XXXX in any manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: Debtsy Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debtsy inc at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX has been sending me collection notices in the amount of {$150.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-28
Company: Professional Medical Management, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company is harassing me and willfully violating public policy and laws. I reported this debt to the Bureaus as in accurate and demanded they validate the debt. The company has not provided sufficient evidence to prove this debt belongs to me nor have they provided a contract with my signature on it. This debt has also been removed by the credit bureaus and this company continues to re report it. I am now going to sue them because This is effecting my ability to move into a home. This has been going on with this company since XX/XX/2019 and it is now almost XX/XX/2019. The FCRA is crystal clear. This item should be removed immediately because I have no contract or obligation to this debt, I have no idea what is going on my information has been compromised and this is fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: CA
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:
These 3 personal loans XXXX, XXXX. XXXX were open fraudulently by XXXX and were sent to XXXX XXXX for collection. 

XXXX XXXX never contacted me either via email/mail/phone to try to solve the issue but sent the accounts straight to collection causing and extremely negative impact on my credit reports and employment. 

I submitted a police report and a complaint with the Federal Trade Commission to Experian ( credit report agency ) but nothing has been done about it.

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 2023-04-04
Company: Braviant Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have a payment agreement with Balance Credit, Acct number # XXXX. The payment loan amount is {$130.00}. The payment due on XX/XX/XXXX. 2023 could not be deducted from XXXX XXXX XXXX XXXX XXXX decided to close my checking account due to a scam transaction that happens few days earlier. XXXX XXXX  opens a new Checking account to protect from fraud transactions. I called Balance Credit on XX/XX/XXXX on due date to make the payment over the phone and explained the situations. The Rep took the new bank account number to make the payment. I receive an alert from XXXX XXXX  notifies the charge debit of {$130.00} made on XX/XX/XXXX and another payment of {$130.00} from Balance Credit. I called the Balance Credit to dispute the {$130.00} charge, and the Rep agrees they made duplicate charge and apologize. They agreed to refunded charges electronically immediate. Today is XX/XX/2023, I have made more than 10 calls to their Customer Centre, I explained the hardship of my personal financial situations. No resolutions or refund payment, on XX/XX/XXXX they made the next charges payment. Finally on XX/XX/XXXX I speak to a supervisor promises to expedite by XXXX payment that I should be able to received Tuesday XX/XX/2023. Today I called again, they said That I have to wait 6 business days to payment post on their account and another 10 businesses days to a refund a paper check. Basically 2 months to receive payment fraudulently charge and they doing an illegal business practice. I pray to FTC for a hardship and to stop scam practice and to put a fine for a business wrong action. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company is trying to collect a debt in the name of someone else. I have never conducted any business with this collection agency and medical information should not be disclosed according to HIPPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have filed multiple disputes beginning in XXXX of 2022 in regards to inaccurate items on my credit report. It has been well over 30 days and I have yet to receive any investigation or verification results. In accordance to the fair credit reporting act this creditor has violated my rights. According to 15 USC 1681 602 states that I have the right to privacy, section 604 ( A ) ( XXXX ) No one can furnish information on my credit report with without my written instruction.

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 2018-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On or about XXXX I did open a credit account with Captial One Bank and the credit limit was around about {$500.00} I did maintain this account up until XX/XX/XXXX where as because of hardship I was unable to pay a minimum payment so a little over one year later because of my non payment I became delinquency on or about XX/XX/XXXX this debut is suppose to be removed last year but has not been the company that is re aging this debut is named XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: EQUIFAX, INC.
State: FL
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 Account # 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: Experian Information Solutions 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:
An inquiry was done. On my credit report. By, the credit bureau. Credit bureau charges a service. For a unknown result. In, a personal. Matter of a not known result. 

Please do not forward attachment 's. 
Please do not forward e-mail 's. 

Please download attachment. Then send in another e-mail.

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 2021-07-04
Company: Southwest Collection Services, LLC
State: LA
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:
To whom it may concern, Pursuant to 15 U.S. Code 1681a- Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( 3 ) Restrictions on sharing of Medical Information.

Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by coperate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the Consumer for medical products or services ; or ( C ) an aggregate list of identified Consumers based on payment transactions for medical products or services.

Pursuant to 15 U.S. Code 1681b- Permissible purposes of Consumer reports ( a ) IN GENERAL Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. 

As a Federal protected Consumer, I never gave XXXX  any written consent to report anything on my consumer report, No consent is Identity Theft. Proof of the law Persuant to 15 U.S. Code 1681b is attend with this complaint. 

Concerning the accounts listed below as a Consumer Im demanding a deletion of these accounts : Southwest Collection Services- ACCOUNT NUMBER XXXX Southwest Collection Services- ACCOUNT NUMBER XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-04
Company: American First Finance, Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
First of all I made several arrangements to pay my loan and was still being charged a {$30.00} dollar fee with out being explained that everytime I make payment arrangements that there would be a {$30.00} dollar late fee!!! Now I have made payment arrangements for the overdue amount and was told that I would not receive a debit on my account but the company as tryed to debit my account 3 times in one day!!! I also spoke to a representative this morning for {$60.00} dollars on the XXXX of XXXX!!! And they are still continuing to Harassing me!!!

Company response to consumer: Closed with monetary relief