BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-18
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize. i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize. i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2022-08-11
Company: Atlanticus Services Corporation
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied to FORTIVA CREDIT CARD company and they have committed adverse action against me by denying me credit based off of my income as well as my history of use of credit. I was discriminated against by FORTIVA CREDIT CARD company. They utilized my credit without my authorized use in order to communicate with 3rd parties. I exercised my right to credit in good faith and was denied. This is a violation of my rights as a consumer pursuant to the Equal Opportunity Credit Act codified in 15 USC 1691c, 15 USC 1692K, 15 USC 1691, 15 USC 1642, USC 1681M, 12 CFR 1002, 15 USC1681N, 15 USC 1681O, 15 USC 1602F, 15 USC 1602G, 15 USC 1602L, 15 USC 1602P, 15 USC 1691A3.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am requesting the removal of all Fraud Alerts from my credit report. I am trying to buy a car and I can not access my credit file with the Freeze/Alert on it. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX, SS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
Ive disputed this bill since I got the first bill and asked them several times to rebill with XXXX XXXX XXXXXXXX XXXX and then XXXX XXXX XXXX XXXX. I have disputed it since I established my XXXX XXXX in XXXX. I no longer get mail from this company but Ive disputed on XXXX XXXX every 2 months since XXXX I last disputed this account in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: MOHELA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I logged into my Mohela account and set up auto pay on XX/XX/XXXX. I received an email from mohela confirming this action. The payment was taken out of my account on XX/XX/XXXX. I confirmed this with my bank XXXX. By Wednesday XX/XX/XXXX. I began ( and continue to receive ) emails stating that I have not paid and am past due. The amount due was {$270.00} and I paid the full amount. I called Mohela and waited and hour to talk to someone. When I finally got through the representative could only confirm that the email came through but she can not locate the payment. She put me on hold for another 15 minutes and said she is escalating the matter to her supervisor and was transferring me. She did so and after being on hold another 52 minutes, I had to hang up. I tried submitting my issue through their online portal but the letter was obviously auto generated because all it did was confirm that I called and stated something to the effect of we are assuming the matter had been resolved. If anyone actually read the complaint they would see that the matter has not been resolved. Despite receiving the confirmation email my account does not show that I have set up automatic payment nor does it list the payment of {$270.00}. The payment did come out of my bank account and I find it hard to believe they lost it. It seems like they are stalling and I feel like they are probably planning on selling my account soon and have excessive wait times as part of the rouse to buy themselves time because they realize most people dont have time to wait hours on the phone. I have also emailed them my phone number and asked for a response by the end of business day yesterday but have yet to hear from them.

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 2023-08-29
Company: EQUIFAX, INC.
State: NY
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-17
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Citibank XXXX at XXXX ATM Cash Deposit didnt give me credit to my checking. I have talk to the branch Manger they didnt give my any credit at all need to wait 48 days.

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 2023-03-10
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
The last payment on the account # XXXX is more than 7 years and should have been deleted, but instead it is showing with incorrect " estimated month and year that this item will be removed : XX/XX/XXXX. '' In response to my previous complaint PRA stated that : Business records provided to PRA by XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX. However, my dispute was not about when the account was opened, but about when it was closed and the fact that that closure was more than 7 years ago and the fact that PRA is illegally reporting account that is too old to be reported. Please delete the account or provide evidence that the last payment was made less than 7 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Citi claims that when I opened an account with Best Buy in XXXX, I agreed to a debt protection program. I was not aware of my enrollment in this program. I noticed the recurring fees for this debt collection program on my statements. I called for an inquiry and was told that XXXX is when I was accepted for the card and agreed to the terms of the debt protection. The fees just from XX/XX/XXXX to XX/XX/XXXX add up to almost {$100.00}. The only response I received was that they would cancel the program. I requested a copy of my enrollment documents and the contact information for who I may ask for a refund of the unauthorized charges to my account. The service representative stated that the information would be included with my enrollment documents that would be mailed to me ; however I do not believe such information will be included IF I ever receive proof of my enrollment. After some research, I see that Citi faced backlash in the past for the same fraudulent practices. In XXXX CitiBank was ordered to refund over {$700.00} XXXX dollars to its consumers. As I have been an account holder since XXXX and CitiBank claims I enrolled at that time, they should have remedied issues such as this in XXXX. I want a refund of all charges related to debt protection on my CitiBank Best Buy credit card account from XXXX to the present.

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 2021-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Looking over my credit report and notice there are some accounts that are paid in full and some that aren't mine. I've included the accounts below that I'm disputing that are impacting my credit report negatively : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX 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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my multiple request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$780.00} XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: AL
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:
I do not recall signing any release of medical records form for anyone to release my information. Health Insurance Portability and Accountability Act of 1996 protects me from having my information released or sold without Consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Comerica
State: NE
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
XXXX. I called direct Express to report unauthorized transactions. When I called it took me 22 times to get somebody. Then my call was dropped. I did not get a chance to get a replacement card. XXXX I started calling at XXXX a.m. I called over 46 times and I keep getting high call volume and ends the call. I am XXXX and communicate via email there is no access to any email on this site the website is not XXXX compliant. I have to pay somebody to sit at my house to contact this Bank. I don't have access to my money I have a XXXX day eviction notice. I have no money to pay somebody to sit at my house to call. I have no card number to transfer to a bank account. I've called from different phone numbers. There's no other option for people who are XXXX to contact this company. I have XXXX pages of screenshots showing the calls. My money is not protected there like a regular Bank. I have had disputed transactions before and never received the money. They've never refunded me. At a normal Bank you are covered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Consumer Portfolio Services, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
In response to Consumer Portfolio Services, I XXXX, A natural person they have in fact are giving false claims as to HOW theyve investigated their claims to be true when in fact they are not, I have attached the following documents providing the violations including theft of my vessel, as A holder in due course the next step will be litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
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:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Grain Technology, Inc.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Grain technology has an outdated app and hasnt had a working payment processor in 2 months. When trying to make my payment they didnt allow it to go through. They have now figured out their problem and are utilizing a new processor but flagged my account as 30 days late and tanked my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12
Company: Diversified Adjustment Service, Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid the outstanding balance on my XXXX  account in-store at XXXX XXXX and requested XXXX XXXX unlock my XXXX. To date, they have not done so. Father, XXXX has place my account in Collections. Despite the balance on the account being 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 2022-09-07
Company: EQUIFAX, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
I mailed a certified dispute letter to Equifax Information Services LLC on XXXX to investigate this incorrect/negative item and I haven't got a responds in the proper time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
ALL 3 " CRA '' CONTINUE WILL NOT UPDATE FILE AND ADD MISSING ACCOUNTS TO CREDIT FILE ... XXXX XXXX   XXXX # XXXX AND XXXX XXXX XXXX # XXXX ... MISSING INFORMATION ON CRDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: CCS Financial Services, Inc.
State: MO
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:
Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of my Collection, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company XXXX XXXX XXXX and XXXX XXXX XXXX as outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within XXXX business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process from all credit reporting agencies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Netspend Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
In the past 2 weeks, I have received 1 Debit card and 4 Prepaid Debit cards from XXXX, and their affiliate Netspend. None of these was requested. I called XXXX XX/XX/22 and they indicated that an account was open and I instructed them to close it. 2 weeks later ( XX/XX/XXXX ), I received a prepaid card from Netspend. I called immediately ( XXXX ) XXXX and talked to XXXX. She indicated that this was a marketing ploy based on a prior prepaid card that I had bought from XXXX XXXX. I told her I never bought a prepaid XXXX card from there and I did not want the account or any other accounts opened under my name and instructed that the account should also be closed. She did tell me that the prepaid card purchased from XXXX XXXX was active, but that the name in no way matched my name. On Tuesday, XX/XX/XXXX, I received 3 additional prepaid cards from Netspend, prompting me to open this complaint. I do not understand how a Financial institution can or would open accounts without my requesting them or why on this green earth they would send 4 cards within a week. Clearly their issuing process is dramatically flawed and their systems ( XXXX/Netspend ) are inadequately designed to prevent fraud. I thought that banks required XXXX information and that their systems would not allow this kind of crazy issuing of cards ( 5 cards in 2 weeks ). I have taken steps to insure that my credit is protected ( fraud alerts, FTC complaint, etc ), but my suspicion is because these are prepaid accounts they fall outside of this. This should be illegal. I am including one file but all 4 letters from Netspend were nearly identical and all included valid debit cards that needed to be funded. I did not fund. The cards were sent to XXXX XXXX ( not my preferred 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 2019-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I was able to follow up withCapital One. Their Representative XXXX contact me on XX/XX/XXXX regarding my complaint I submitted XXXX. I call back and left voicemail message on XX/XX/XXXX. She didn't return my call, on XX/XX/XXXX. I call Capital One again. The Representatives tranferred me to Ms. XXXX extension, due to her phone continued going to voicemail. After speaking to Ms. XXXX she stated my account was tranferred to XXXX at ext. XXXX. Ms. XXXX tranferred me to Ms. XXXX. I begin explain to her my concerns in regards the complaint in question. Ms XXXX stated misleading & false information. That when I applied for Credit Card. I did not add rider XXXX XXXX XXXX. She stated that Capital One didnt not offer XXXX XXXX XXXX in XX/XX/XXXX, when I applied. Her statement was untrue, I ask to add riders XXXX XXXX, because I had previous Financial Problems and I wanted to make sure that my Credit Card would be protected if I had any future unexpected Financial circumstances. I didn't reach Capital One started cancel credit protection insurance XX/XX/XXXX. Ms. XXXX conduct was unethical. She became hostile and agressive when talking to me her conduct was unprofessional. Because I explained the information she was stated was false and misleading. I decided to end the call and hangup on her. I became upset and stress. This cause me to have a flare up un regards my health. She was not helpful and rude. Capital One Record all their conversations. The Managerment Executives should retrieve and research their voice recording records for playback. 

Thank you for your prompt attention regarding this matter.

Company response to consumer: Closed with explanation