BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: GA
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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

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.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-15
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I first received a call on XX/XX/XXXX from a mediation service " hired '' by XXXX XXXX to collect an old debt. I went ahead and set up a payment arrangement and was reassured this would be taken care of. XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In the letter claimed the current creditor was " XXXX XXXX XXXX '' .This debt according to them was paid in full as of XX/XX/XXXX. I received a " release '' letter and was not contacted any longer, and noticed this didn't show up on my credit reports. on XX/XX/XXXX I began to receive calls from XXXX XXXX XXXX XXXX claiming they purchased this debt back in XX/XX/XXXX, and the previous company only collected interest and I had 48 hours until they sent out a service company to serve me with court papers. The company didn't state their name and sent me an email with a letter from XXXX XXXX, General Manager of XXXX XXXX XXXX XXXX XXXX XXXX. I didn't hear from them until today XX/XX/XXXX claiming they were filling with the local jurisdiction XXXX XXXX and going to serve me at work ( they had the incorrect employer, I didn't correct them ) I asked for more clarification but they keep repeating legal nonsense and don't answer my questions.

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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-16
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
A lawsuit was filed several months after I had moved to another state from the state of California. Documents were mailed and served to my old address in XXXX. When I was made aware of the suit, I contacted the law office and was only able to speak with case associates who refused to acknowledge that I was not properly served. They have now gotten a judgement and filed for wage garnishment and I was not notified of either. Whenever I call the law office I am told different things and spoken to very harshly and without any respect. I was told they do n't have to do anything because I lived in California when the suit was filed and would not allow me to submit any proof and refused to do anything to rectify their error except make a settlement with me for a monthly payment that I could not afford. I also was threatened with if they remove the lawsuit from me then they would garnish my grandmothers assets because she is a co-signor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: Commercial Recovery Systems
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I believe that I have been targeted by debt collection scam by a firm named CRS purporting to be a law firm and threatening suit on a stale account in addition to not identifying themselves as a debt collector. Today I received a voicemail from their computerized pre-recorded auto-dialer that stated the following message : " This message is intended for [ my name ], we have been instructed to obtain a statement from [ my name ] prior to filing in your jurisdiction you can provide your statement directly to XXXX. '' I later called the number and the call was answered as " CRS '' by someone identifying themselves as XXXX who reluctantly said was a receptionist after extended questioning. I asked her why they called and she said that it was regarding a debt I owed. I asked where they were based out of and she said they are out of New York. I asked her if they were a debt collector and she said that they were not a debt collector, but a " pre-litigation '' ( her words ) company. I asked what that was and if this was a law firm, she stated again that they are a pre-litigation company and work with a group of attorneys. At no time did she explicitly state that the call was for debt collection purposes, despite stating the call was regarding a debt I owed. She confirmed my name and the county my address is in. 

She said that she would transfer my call to the paralegal handling my case after verifying my information which I gave to her. She transferred me to someone identifying themselves as XXXX who said that they were calling on behalf of XXXX XXXX XXXX who I failed to repay a debt to. I told her I do not recall having any current XXXX XXXX XXXX debts and she said that I opened the account in XXXX and stopped paying it in XXXX. I asked her if she was threatening me with a lawsuit on a time barred debt and she stated that it was illegal not pay them back. I told her failing to pay debts was not illegal and asked again if they were trying to sue me on a debt outside of the statute of limitations. She became very loud, abusive and insulting, which made me angry and I yelled back and she hung up on me. 

I called back the original number and spoke with the same person that answered the original call, I asked for her name and she said it was XXXX XXXX and I asked for my representative 's name and she said that it was XXXX XXXX. I Googled the name CRS and found out that the company was currently being sued by the FTC and has a history of similar actions in addition to no longer being licensed in my state.

Company response to consumer: Untimely response
Consumer complaint received 2021-10-12
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a dispute with TD bank for debit card purchase. On XXXX XXXX for {$6000.00}. Against XXXX XXXX  and XXXX XXXX. After waiting for 90 days they closed the cad without providing me the refund. 
Account number is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-13
Company: Bread Financial Holdings, 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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Hi, I want to file a complaint about my checking account at wells Fargo bank. there was a check deposited and withdrawn under my name thru mobile banking without any knowledge. I received a letter that i will be attached here to my complaint that there is a certain person claiming that it is her check i forge it.. i will also attach checks that issued but it is all written by me not like the checked that i am accused of forging. the check was under my name and account but my ID is on top of the check covering the real owner of the check, ,wells Fargo is ignoring my issue and insist that i should repay for it ... that I will not do because it is an admission of guilt..i am currently taking up law enforcement schooling and i do n't want my reputation to be messed up with this anomaly of the bank..I am hoping for your kind consideration to look on this matter.thank you so much

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am XXXX veteran and told hospitals that they would be paid by VA I gave them my member ID # XXXX & SS # XXXX as well as address to submit their claims. Now after years I see they are all listed on my credit report.Causing extra Fin cost on every thing.I served and paid the price. Hope you can help me I would be very grateful. XXXX Vet. XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: Alliance Collection Agencies, Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have disputed this account with the credit bureaus on several occasions as well as disputed with Alliance. This company continues to report this unverifiable, inaccurate account on my reports. I requested debt validation in XX/XX/XXXX and XX/XX/2016, to no avail. This company did not send me any documents I requested that substantiated a summary of all account activities, including all payments made, copies of charge slips, invoices or any other documents proving my indebtedness, nor did they send me copies of all documents sent to me regarding this account, copies of any papers that show I agreed to pay what they say I owe them, as well as prove the statute of limitations has not expired on this account. See attached documentation. The documents sent to me from this company DO NOT VALIDATE THIS DEBT AS BELONGING TO ME. Since this third party collection company is unable to validate the debt, this item must be deleted from my report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have an credit card account with Lowe's/Synchrony Bank. My payments were setup for standard allocation under Manage How Payments are applied. Per that description on their website : " Payment received in excess of minimum payment amount due will be applied to non-promotional balances before deferred interest promotional balances except in the last two months of a deferred interest promotion. In the last two months of a deferred interest promotion, the payment amount in excess of the minimum payment due will be applied to the deferred interest promotion ( s ) that are in the month of expiration and/or the month prior to expiration. '' My deferred payment balance was set to expire in  XXXX / XXXX /2018. I had charged many other items to the card for a remodel as a Regular Purchase. I paid off the Regular purchases by moving funds from a HELOC, yet Lowe's/Syncrhony Bank paid off the deferred interest balance leaving the Regular purchases unpaid. This would directly cause me to start accruing interest. I contacted them and the changed a partial payment and did n't seem to understand. They were not helpful. They have left me in a bind as I now will owe interest each month vs. my deferred promotional balance would have had no interest until  XXXX / XXXX /2018 and I would have paid it off by then.
<P/>
I work in a bank and this is as wrong as it comes.
<P/>   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 2019-01-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
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 am XXXX XXXX, not that this makes a difference. I have made many attempts to get this problem fixed. Let meexplain ... back in XXXX  my bank account at citizens was hacked. Thats where my problem started. At the bank recommendation i closed the hacked account had a my money transferred to a new account canceled all my debit and credit cards. At that time citizens was suppose to setup a predetermined automatic monthly Payment to this credit card. They did not do so.. after I was notified that my credit score was affected by my credit card minoring company I called the bank, this was in XXXX.. The bank apologized canceled the late charge fee, and assured me the problem was resolved. Well it wasnt. I made phone calls every month to citizens regarding this problem. They in fact acknowledge that they are aware of the problem. Now it is 6 months later, I have notified the bank in person numerous times, have also made at least 50 phone call with regard to this problem. They always acknowledge that the bank is aware of the problem but they cant remove the late fees which now amount to over {$300.00} because it now exceeds the limit that can adjust. So basically they say nothing can be done. This is both XXXX  and unacceptable why should my credit score along with additional late fee charges be my fault because of the banks incompetence. Please help ... Please

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Hi there, My Savings account at BBVA Compass got charged an EXCESSIVE TRANSACTION FEE of {$6.00} on XX/XX/2019. 

When I opened this saving account, it was stated that " Access your money, with up to 4 withdrawals per statement cycle fee free. '' There is no definition of the length of the statement cycle on that webpage when I signed up. ( See attached a screenshot of the webpage ) In this case, I believe that most of the ordinary customer like myself would assume the statement cycle would be monthly by common sense, since I have never encountered a bank issuing statement that is not on a monthly basis. 

When I reached out to BBVA 's customer service regarding the fees that were charged. They stated that their four free withdrawals are on a per quarter basis, which was quite surprising to know. I then tried to do some research to find out their fee schedule and couldn't find it from their website. However, based on the information I got from the internet, I am not the only one that believes their four free withdrawals are on a monthly basis. See this website for your reference : XXXX XXXX XXXX Their free-withdrawal limit is unclear and misleading. 

I then asked them to confirm that whether the four free withdrawals are on a per quarter basis or a monthly basis. They provided me with a fee schedule that is not easy to find : https : //www.bbvausa.comXXXX I asked them to refund the fees because if I am aware of this unique withdrawal requirement, I would either not opening this account at all or be careful to keep the withdrawals under limits. It is unfair for customers to get charged a fee because of the unclear and somewhat hidden information provided by the bank. 

Please help me get the refund for the {$6.00} Fee. Thanks in advance for your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-29
Company: Butler and Associates, PA
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I had some minor traffic citations I think municipal city of XXXX Kansas XXXX XXXX XXXX XXXX Kansas courts 18th judicial ... Anywho the courts sold my traffic fines to a firm known as Butler and associates... An agency not recognizing as state or fed in regards to the setoff program and not allowed to garnish exempt funds such as the economic impact payment the stimulus checks from COVID... I was in XXXX XXXX and the stimulus was deposited into an inmate account in which it was placed in a forced savings... Meaning ... I could see the money on my books but I did not have access to it for commissary and hygiene tho prison was hard enough as it was... The forced savings was designed to give inmates a decent boost when reintegrating into society... I was released XX/XX/2022 almost XXXX ago and moved to Florida XXXX Bcuz XXXX allowed Butler and associates to garnish my stimulus held in forced savings I was released broke and poor forced to start off reintegrating into a struggle. And have been struggling all this time... Now finally able to voice the injustice as this is step one and two is with the FTC under FDCPA for the unfair deceptive abusive practices bestowed upon by Butler and associates... For the worst part is my class c drivers license is suspended by the state of Kansas for traffic citations issued by, but fines not held payable to state agency but transfered as debt to Butler and associates who now hold power, as if some corporate government gangster mafia tactic, sovereignty over the validity of my drivers license, also excluding me of eligibility for hardship licenses or restricted drivers license virtual making it next to impossible for me to prosper righteously for I have registered vehicles and insurances but ca n't drive nor maintain efficient employment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 my Follow-up 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 : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : 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 2022-12-27
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I was rewarded forward payments by XXXX and my monthly payments are not being applied to my account to satisfy payments every month I have been told that payments have been sent to M & T bank but they are not applied to my 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