BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-22
Company: Continental Credit, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
From XX/XX/2021 to XX/XX/2021 They promise that they would fix my credit they took my money and didn't provide any services at all. I download XXXX  app to monitor the progress an nothing change. There was no disputes created or sent to credit union. I would like them to refund all my money back because they never did anything they promised. I called several time an got the run around as well text them about my account an nothing was done.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-02
Company: Waypoint Resource Group, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In late XXXX I canceled my service with XXXX. They billed me a month ahead even after I cancelled my service, and then charged me an early termination fee even though I was told by customer service that I was no longer under contract. I was then billed equipment fees. I received a collection that stated XXXX as the original creditor on my account in XXXX, and was unaware until I checked my credit report late XXXX. In XXXX, the first collection agency stopped collections efforts. Then Waypoint Resource Group became the debt collector for XXXX in XXXX. I asked for verification of the amount they sent, and they sent me bill statements that were false. The amount in the verification billing statements were false because they were reporting over {$1800.00} with charges past the cancellation period, while the XXXX billing amount online ( in my account ) was stated at about {$1100.00}. I have recently returned the equipment to get that amount removed from the amount due for collection. I am told the remaining balance, once those charges are removed, will be from a monthly charge and termination fee despite the details I explained above. The equipment costs have yet to be removed from the amount due, and I have the receipt for the equipment. I do not know what else to do, because XXXX is not working with me and Waypoint has sent false information as verification. I do not believe that I owe XXXX any more other than the equipment costs that I just returned. Please help me figure this out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 a follow up CFPB Complaint to the first Complaint I submitted requesting that you remove the Fraudulent accounts and information off of my Credit File under the provisions of the Fair Credit Reporting Act sectiob 605b. I have read that under the said Federal law, you are required to remove any account and information from my Credit File. Please have the disputed items removed as soon as possible : 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  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX XXXXXXXX Balance Owed : {$67.00XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I am requesting that you remove the disputed items from my Credit File in accordance with the Fair Credit reporting Act section 605b. If you believe that the disputed items belong to me, please send me copies of proof of verification or any documents bearing my signature to prove that I own such items. Without these documents, immediate deletion of the disputed items is to be expected.

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 2021-12-14
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself. The Equifax Credit Bureau is reporting inaccurate information on XXXX  XXXX XXXX  XXXX ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX XXXX XXXX XXXX XXXX XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My Citi XXXX card stopped sending statements - I didnt notice it until i was told via email it was past due. Citi put me on paperless statements without my knowledge or permission and then when I didnt pay on time charged me excessive interest and penalties. I was able to clear this up with them but I am concerned about the larger consequences of their actions in particular on senior citizens that arent all electronic. they should not be able to change my paperless status. they claim they notified me via their app. I dont use their app and never have. if they treated their customer base as they have me they are making a ton of money in interest charges and late fees that should NOT be there - latest scam way for them to make $ XXXX literally preying on seniors. 

same goes for the phone system with all of the prompts and craziness it takes to get to a real person- is that friendly for the elderly user? I think not - seems to violate 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 2021-02-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX I received a notification from the credit bureaus in regards to a unknown collection account from XXXX XXXX XXXX XXXX in the amount of {$940.00}. I have no knowledge of this account nor do I have a contract with this company. I reached out the to company and asked for debt validation and to send my a signed contract with my signature and the agent disconnected the call. Contract callers attempted to collect on this fraudulent account as well and they weren't able to validate the debt it was removed from my credit file XX/XX/XXXX. XXXX  XXXX  purchased this fraudulent account XX/XX/XXXX and just reported it on my credit files XX/XX/XXXX. XXXX  XXXX  needs to validate this account with a signed contract with my original signature to show dates when this account was open. I've been on XXXX XXXX over 5 years and haven't been in the states I need to know who's using my information to open fraudulent accounts so that I can file charges with the proper authorities for identity theft. The bureaus are continuously inserting fraudulent information on my credit file. I dont have a contract with this company and never have. The account was deleted XX/XX/XXXX as well and has been reinserted a 3rd time without my knowledge or verification of this debt. XXXX has broken the FCRA laws by reinserting fraudulent debt/ information on my credit file!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: KEYCORP
State: ID
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:
For 10+ years my XXXX XXXX came out of KeyBank CC. The XXXX account is 2nd of the month to the 2nd so when I originally started I would have been charged/set up on the 2nd. CC statement is 13th of the month, so I would have received my CC bill with the new charge on THAT month 's statement. Let 's just say for a moment the first bill did NOT hit in time, they would have received the 2nd bill from XXXX before my next due date with Key and I would have paid double to catch up. I have always paid on time. XX/XX/2023 I cancelled my XXXX account. The last bill that XXXX shows they sent Key was XX/XX/XXXX and on-line it shows XXXX balance, Key paid on the 12th and I paid Key, and they reflect that on the 28th. I get a bill from Key in XXXX for my normal payment. If XXXX didn't send them a bill, what am I reimbursing?? I asked Key to send me PROOF that they received a bill and if I'm wrong I will pay., They keep telling me I am paying for previous month which makes NO sense as XXXX bills in advance. I could be 100 % wrong about owing and if I am I have no problems paying, I just want proof and do not trust big banks to be honest at all. Once a Company ( and they have with me ) or person has lied, when can you believe they are truthful. So that I have no glitches on my credit I did pay bill but if in fact I am right and they are wrong, how much money are they making illegitimately on 10 's of thousand of people doing what I did? Unfortunately I'm using common sense that says if they received no bill, I should not receive one either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: Credit Corp Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear CFPB : Thank you for the opportunity to exercise my rights under the Fair Credit Reporting Act ( Section 609 ) to dispute erroneous items in my credit file. Hence, I am submitting a dispute for the fraudulent XXXX XXXX account on my XXXX  Credit Report. Credit Corp Solutions is the collection agency attempting to collect this debt. 

REASON : The reported account in the amount of {$1200.00} is unverifiable and not mine. 

I have attempted to resolve this matter with the collection agency without success. I also placed this fraudulent account in Dispute with XXXX  on XX/XX/2021 and XX/XX/2021. At that time, I requested a " fraud alert '' be placed on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My husband has recently deceased, i as the widow with a XXXX was in the process of requesting from the XXXX court to grant me access to my husband XXXX XXXX accounts. In the meantime, my husbands mom contacted Bank of America regarding her account where my husband has control as she is an elderly. After she notified the bank her son passed, the bank froze all my husbands accounts with XXXX balance. As my husband was the primary earner for the family, most of the payments including major autopay for such as child daycare, mortgage, apartment maintenance, among others, were set to go through this account. I contacted their customer service on XX/XX/XXXX but they did not or could not to explain to me if those autopay will go through. Bank of America did not try to contact my husband by phone or by mail before restricting his account. The restrictions put me in a very difficult financial situation and risk of losing my housing and child care. I am filing this complaint due to the financial hardship and other penalties or fees to incur due to their practice.

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 2021-02-18
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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX I received a notification from the credit bureaus in regards to a unknown collection account from XXXX XXXX XXXX XXXX in the amount of {$940.00}. I have no knowledge of this account nor do I have a contract with this company. I reached out the to company and asked for debt validation and to send my a signed contract with my signature and the agent disconnected the call. Contract callers attempted to collect on this fraudulent account as well and they weren't able to validate the debt it was removed from my credit file XX/XX/XXXX. XXXX  XXXX  purchased this fraudulent account XX/XX/XXXX and just reported it on my credit files XX/XX/XXXX. XXXX XXXX needs to validate this account with a signed contract with my original signature to show dates when this account was open. I've been on XXXX XXXX over 5 years and haven't been in the states I need to know who's using my information to open fraudulent accounts so that I can file charges with the proper authorities for identity theft. The bureaus are continuously inserting fraudulent information on my credit file. I dont have a contract with this company and never have. The account was deleted XX/XX/XXXX as well and has been reinserted a 3rd time without my knowledge or verification of this debt. XXXX has broken the FCRA laws by reinserting fraudulent debt/ information on my credit file!!

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 2023-05-18
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt was submitted in XXXX XXXX by XXXX XXXX XXXX they were notified of a lawsuit in XXXX and court was set for XXXX. XX/XX/2023 judgement was ruled in my favor. Debt is not owed. FEDERAL CONSUMER VIOLATION

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 2021-03-18
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a XXXX Card with XXXX Rewards. Due to Covid-19 and my loss of work from XX/XX/XXXX. I have missed some payments and recently been unable to pay the above card. Before Covid my credit score and my payment history was good. I have been very proactive calling XXXX many times to inform them of my situation. The only help I was offered was a 2-month deferment. The high interest, late fees & other fees increased my balance owing each month. Even if I could pay {$50.00} for example, the next months bill would have interest & fees that were more that what I had paid so my debt continued to climb. I was told by this company that the only way to stop interest charges & fees was to close the account so I did but the interest charges & fees continue. I was receiving many phone calls daily from this company but with no real help offered. I wrote a letter to Barclays on XX/XX/XXXX and they wrote back offering no help.

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 2019-08-28
Company: OpenRoad Lending
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: Credit inquiries on your report that you don't recognize

Complaint:
I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. If you can not provide any signed documents of me giving authorization to perform this act please remove ALL inquiries from all credit bureaus youre reporting on my credit report immediately! Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for anything with your company. Theres no accounts tied to these inquiries on my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
at the end of XXXX i began to have fees placed on my account that would place me in a hardship that i would not recover from. There was numerous fraudulent transaction on my account that they were fully aware of. I was not notified. They simply kep processing them even after the first card was cancelled. i received a bad check from a vendor in XXXX of XXXX with a account balance over XXXX XXXX in checking and XXXX in savings the check. the check was only for XXXX no issue i had money to cover it never the less i didn't spend a dime in that account two weeks prior or any time after four more payroll checks were deposited. i losses it all even with the 25 pending disputes that were in my favor. because the third party merchant informed me that they reversed the payments at question. I called non stop and if they were not hanging up they simply pretended to forward my issues but nothing was done. I loss almost XXXX this created a big hardship for me and my XXXX kids. please help i have all of the needed documentation.

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 2023-02-09
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL
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:
As a federally protected consumer, I am hereby expressing my right to privacy and this an OPT OUT NOTICE per XXXX CFR 1016.7. I am now opting out and rescinding any and ALL authorization, I the consumer may have given you. I mean ANY and all consent whether it be written, unwritten, verbal, implied, and non verbal is revoked per 15 USC 6802. 

Per the FCRA 1681b ( a ) states that " In general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions of the consumer to whom it relates '' XXXX any furnisher of information to credit agencies and the consumer reporting agencies do not have my consent to furnish this information, and they surely do not have my written consent. 

According to the Privacy Act of 1974, the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, " NO AGENCY shall DISCLOSE any record which is contained in a system of records by any means of communication to any person or to any agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. You have violated both the FCRA and also the Privacy Act of 1974 Per the FCRA 15 USC 1681a ( 2 ) Exclusions, a report containing information solely as to transactions or experiences between the consumer and the person making the report ; Therefore REPORTING transaction history is illegal. 

Please comply with my XXXX regarding the removal of the account immediately, being that you have continued to violate my rights as XXXX. I have suffered mentally and emotionally. This is not my first complaint. You have a full understanding of the violations. You are aware you are breaking the law. XXXX action will take place Per the FCRA 15 U.S. Code 1681n for willful noncompliance.

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