BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-22
Company: CADENCE BANK
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022, I was trying to make purchases on an app called XXXX for XXXX, for which I have done several times before BancorpSouth Bank merged with Cadence Bank. However, this morning I was presented with issues and my card was being declined. I contacted the Fraud Department and spoke to a young lady who removed the alert and I was told to close the app and do it again. I was successful. I tried to make another purchase and this time I was blocked again. I called back into the Fraud Department only to be told this time that " this type of card cant be used for buying crypto via the policy. '' When I asked to see or be sent this policy as I have been doing this for the past 2 years using the same account, I was told that it was not his job. After getting upset by the agents refusal at XXXX I asked for a supervisor and the agent said " NO '' and hung up the line. I persisted to call back 2 more times at which point I waited on hold for over 10 minutes just to have the line answered and immediately hung up on once again without even a hello or a word being said. I have plenty of money in my account and my purchases were all in the {$100.00} or less range. Outside of them causing my account to be flagged for fraud after I confirmed the purchases and explanation of why I was purchasing them, which is none of their business anyways, I was told by the last Agent that they actually refunded the past transactions and stopped them as well! 
I want this bank investigated! This isn't legal and they have no right to do this. If anything, I am under the terms of the old bank at which my account was created and was never informed of any changes being made to my account or the way it is handled. These deliberate actions have resulted in significate losses in revenue and income for me as I have missed the ability to purchase a stock/crypto that was at a low price and has now jumped in value due to their illegal actions and FAKE policies that they can not produce to explain their actions. It is my money and I need to have access at any given moment in accordance with Banking Laws! 

I would like to see that male agent I spoke to at XXXX terminated for his actions as I am sure they violate the corporate policies that are ACTUALLY in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act, 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 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 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I Consumer, and a natural person who is aware of all rights that I have, which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Inquiries : XXXX XXXX  -Inquiry date XX/XX/XXXX XXXX -Inquiry date XX/XX/XXXX XXXX XXXX XXXX -Inquiry date XX/XX/XXXX XXXX -Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S.C 1681 ( 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 2019-07-12
Company: AMERISAVE MORTGAGE CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I own a condo in FL with a mortgage rate of 6.56 %. In XXXX 2019, I contacted Amerisave Mortgage to apply for a refinance and was told the rate would be 3.8 % .A great deal of paperwork was faxed and emailed. I had been asked what my gross monthly pension check was and my gross monthly social security check was. After being told everything looked good I was asked to pay {$XXXX} for an appraisal fee, which I did. After that the underwriters received a copy of my tax return and I was told the mortgage had to be rejected because a portion of my social security was subject to taxes ( however no tax was paid-enough had been paid by my pension ) I strongly suspect this company could not place my 3,8 % mortgage and I requested a refund for my {$XXXX} appraisal fee..of course they refused

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 2023-10-04
Company: Experian Information Solutions Inc.
State: MD
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 to the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602, states I have the right to privacy.15 USC 1681 section 604A, section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.

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 2022-11-22
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent a dispute to the credit bureaus XX/XX/2020 In the results I got back I was informed that my XXXX XXXX  account which was showing late payments were updated to they were never late ( 100 % good payment history ) Now when I pulled my new credit report today I noticed that these items were reinserted showing as late again and the company just simply changed their name on my credit report and reported them as late again. This is fraudulent in my honest opinion because they didnt follow the law pertaining to reinsertion and they also changed the name that they were reporting it under as if playing some type of game with me and my finances as I am being harmed badly by this unlawful reporting. My life, my finances, my credit report is no joking matter

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 2023-05-20
Company: TransferWise Ltd
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
I have an international money transfer account through XXXX XXXX I have used their services for appropriately XXXX year for my currency exchanges for travels abroad. Upon my return to the XXXX in XXXX going forward to XXXX, I have been unable to convert my remaining XXXX  funds back to XXXX  I have contacted the company about this issue by phone and also via their " contact us '' form via their app, and they have not provided a solution to retrieve my funds nor have they responded to my query through the " contact us '' form. I have used their service for almost XXXX year converting and re-converting my funds and have only had this problem XXXX time. I have conducted an online search recently and have discovered that they are withholding funds from consumers. They have held my funds without reason and solution for appropriately XXXX  month. When I asked if why and who was responsible for this, the representatives say that it is Wise themselves and there is no reason. I told them that this is theft and they have stated that there is nothing they will do. I have phone recordings and I also have screenshots of my balance and the message received while trying to convert my funds to XXXX I have also threatened to close my account and can not even close my account because i have remaining funds which they are fraudulently possessing. I request that they refund my funds to my XXXX account and that my account is closed following this solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Ability Recovery Services, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX # XXXX # 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 can not furnish a account without my consent

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 2015-04-27
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland Funding LLC and XXXX, XXXX and XXXX - all attornies have continuously and repeatedly harassed me to collect a debt. I 'm not sure if this debt is a credit card company or some other debt. They have dragged me into court and garnished my wages as well. I do n't owe this debt, yet they continue to badger and harass me trying to collect the debt. Their undue harassment is beginning to affect my state of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: MRS BPO, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The XXXX XXXX pursued a debt of {$1000.00} associated with a XXXX XXXX account that has never been associated with me ( I have never entered into any contract with XXXX XXXX ). I received notice initially on XX/XX/2022. 

I mailed a letter via registered mail ( sent on XX/XX/2022 ) requesting that they provide me with proof that the debt belongs to me or cease attempts to collect. 

Since then, I have received a letter from MRS BPO trying to collect on the same debt ( received XX/XX/2022. Date of the letter specified as XX/XX/2022 ). My understanding is that it is illegal for them to sell debt that is currently disputed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
TRANSUNION HAS MY POLICE REPORT, FTC REPORT IN REGARDS TO THESE HARD INQUIRES BEING FROM IDENTITY THEFT INSTEAD OF THEM REMOVING THE ILLEGAL IDENTITY THEFT HARD INQUIRES FROM MY CREDIT REPORT SECTION ( 605B FCRA ) THEY'RE STALLING SENDING LETTERS THAT MAKE NO SENSE REMOVE THESE ILLEGAL IDENTITY THEFT HARD INQUIRES FROM MY CREDIT REPORT OR I WILL BE FORCED TO TAKE TRANSUNION TO SMALL CLAIMS COURT I HAVE ATTACHED ALL THE PAPER WORK ( POLICE REPORT, FTC REPORT ) INCLUDING THE HARD INQUIRES I NEED REMOVED.

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 2021-05-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am filing this complaint because I was a victim of identity fraud at the age of XXXX. I am now dealing with hardship over these incidents. I have filed proper documentation and provided this information on XX/XX/2021 to XXXX, XXXX, & Equifax. I received a response from all bureaus refusing to remove this fraudelt information even after providing them proof. This is truly upsetting that I have to suffer the cost of someone stealing my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: CITIBANK, N.A.
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Hello, During mid XXXX of this year, 2016, I contacted Citibank about opening a checking account. While on the phone with a customer service representative I inquired about potential bonus offers that were available at that time. He went on to inform me that if i signed up for a Citigold checking account I would receive XXXX XXXX XXXX miles as long I completed a XXXX dollar purchase and at least XXXX bill payments via their website in two consecutive months. 
After completing the requirements I contacted citibank to ask if there system showed I had completed the requirements. I was informed that I was not eligible for the bonus, even though I was told about it by their customer service and received instructions in my welcome packet about how to obtain the miles. I was mislead by this company and they have refused my eligibility for the offer even though I was recruited to open a citigold account with the XXXX XXXX offer.

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 2022-04-04
Company: EQUIFAX, INC.
State: NC
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:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you haventnotated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: CA
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 and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX # 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.

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 2015-08-26
Company: CITIBANK, N.A.
State: MI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
In XXXX 2015 I received a bill from Macys for a balance of {$50.00}. along with a {$2.00}. low balance fee. The closing date for billing was XXXX XXXX - then they processed the bill and mailed it to me. I got the bill on XXXX XXXX and wrote a check and mailed it to them on XXXX XXXX. They said it posted on XXXX XXXX - well in advance of the XXXX XXXX closing date. I received another bill for {$2.00}. in XXXX for a low balance fee. I called and they said that even though I paid in full, ( balance + fee } in advance of the closing date - they are legally empowered to charge the additional {$2.00}. fee. I asked if they planned to charge an additional {$2.00}. fee on the {$2.00}. they had sent the XXXX billing for and they said yes, because the {$2.00}. fee represented a " balance '' and a low balance and because it was sent upon the closing date - and there are days in-between when it closes and they mail it and they receive payment - they can legally do this. I countered that that was kind of nuts - that the {$2.00}. fee could result in perpetuity, a never ending {$2.00} fee ... They said that I should have paid the entire balance in full and this would n't be happening or an ongoing issue. Needless to say, I closed the account - after insisting they waive the fee. I just wanted to file this complaint in order to let you know that they are doing this - and am questioning the legality of it. If truly seems to be taking advantage of customers and the spirit of their recouping fees for low balances, by creating a situation that in essence, continues to create new low balances - by adding this fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-04
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1994 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ENHANCED RECOVERY CO XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1994 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation