BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-01
Company: Tower Loan of Mississippi, Inc.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Loan was taken out in XXXX of XXXX, I had also taken out the insurance that would cover the payments, if anything happened. In XXXX of XXXX I had broken my foot and was unable to work for over a year. I asked Tower if the insurance would cover the payments, and at the time they told to bring them medical records, and it would be covered. I had several problems with Tower loan doing the correct paperwork work to get payments made like they should've been. I was told ins only made two payments and the rest was on me to make even though I had taken out the ins to cover such things if they did happen. I had asked them at different times for a print out of payments that had been made by myself and the ins company and have never received one. I was issued a summons in XXXX of XXXX served by a deputy to appear in court in XXXX XXXX I called the XXXX XXXX XXXX   was told to meet XXXX XXXX at the courthouse on that day and she would have the agreement paperwork for me to sign stating I would pay 200.00 a month. I met with XXXX outside the courtroom and was told " here is the agreement for you to pay 200.00 a month sign here, I have to get back in there '', nothing was explained to me nor did I receive a copy that day. I asked if she was going to mail me a copy of the agreement, she stated yes and I have still not received a copy of the agreement. I started making payments of 200.00 a month in XXXX. XXXX I was unable to make a payment in XXXX. I was going mail in a payment today, XX/XX/XXXX, but had gotten a garnishment letter with added expenses making the total from XXXX to XXXX to where after paying down to XXXX they added XXXX more to what it was with an interest rate of 51.91 % being compounding now.

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 2023-10-09
Company: EQUIFAX, INC.
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-01
Company: Experian Information Solutions Inc.
State: IN
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:
Experian, XXXX, XXXX, CFPB & FTC Please take note of the following : Per CFPB Complaint # XXXX Direct Dispute with XXXX XXXX. XXXX XXXX  stated the following : Our office received multiple disputes filed through the credit reporting agencies ( CRAs ) beginning XX/XX/XXXX. In response to those disputes, we reviewed our records and confirmed that the information we reported to the CRAs, including the number of payments and delinquency dates were accurate based on our records ; as such, there are no adjustments necessary. Our records do not indicate any previous changes submitted by XXXX to the CRAs. Any discrepancies reported by the CRAs would need to be addressed by them directly, as we report the same account information to all CRAs. 
According to XXXX XXXX the issue is with Experian, XXXX and XXXX reporting incorrect information and puts the burden of failure on each of the CRAs, as well. Ive disputed this account for inaccuracies ( 4 to 5 times now with each bureau ) and each time payment dates have changed. 
Question is : If XXXX is reporting the same information to each of you and you all are reporting differently plus the fact that the on-time/ late payment dates are being changed during each dispute. Who the XXXX, is making these inaccurate changes. In according to XXXX XXXX claim these are changes to the account they did not authorize or initiate. This constitutes fraud. 
Each Report for Each of these bureaus have changed during each dispute and I have the screenshots and the reports to prove it. See attached FYI : I have previously asked you to remove this account to it being inaccurate and unverifiable, but yet you refuse to. I hereby demand, the removal of this account in full based on the facts stated above and previously. You have failed verify the accuracy of this account but yet lie and tell me its verified when in fact it is not, repeatedly. 
[ attached : Screenshots showing various changing dates, etc ] Either the CRAs or XXXX XXXX is lying, but none the less, due to XXXX XXXX statement in our direct dispute CFPB Complaint # XXXX dated XX/XX/XXXX, this account just became unverifiable.

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 2019-11-25
Company: STERLING JEWELERS, INC.
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
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: Credit inquiries on your report that you don't recognize

Complaint:
i was notified that XXXX made an inquiry into my credit report. 

the credit report proves that XXXX made the inquiry and thereby obtained personal private confidential information. 

i never requested an inquiry from XXXX there is no reason for XXXX to make an inquiry. 

all of my debts were discharged in a XX/XX/2014 bankruptcy. since then i have NOT applied for credit or made any other request of XXXX therefore XXXX has obtained personal private confidential information illegally.

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 2023-10-09
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13
Company: CITIBANK, N.A.
State: WA
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:
On XX/XX/XXXX a fraudulent charge was posted to my account in the amount of {$1500.00}. The merchant was XXXX I did not recognize and had never done business with of any kind : " XXXX XXXX XXXX  ''. 

I immediately lodged a dispute with Citi by telephone, and received an update by mail on XX/XX/XXXX that they were looking into it. Shortly after I noticed that the status of the dispute had been updated to " Customer responsible ''. I called the Dispute team and found out that there had been some misunderstanding due to the transaction being on a virtual account number and the dispute was reopened. 

When I called to request an update on the status of the dispute around XX/XX/XXXX, I was told that my dispute had been closed because I had provided the merchant with the account number. I told them this was not correct and had no basis in fact. Citi requested that I submit these details in writing via email, which I did. ( attached ). 

I eventually received a letter from Citi ( attached ) on XX/XX/XXXX stating : You let us know that you didnt make this transaction ( s ), but during our investigation we learned that you provided the merchant ( s ) with your account information for a series of purchases. You may have seen this transaction ( s ) previously under a different company name or location from where it occurred. Since you provided your account number to the merchant ( s ), we dont consider this fraudulent activity This is entirely incorrect as I had made very clear verbally and via email. I had provided the account number to only XXXX merchants since it was opened, and none of them are even in the travel industry. I called Citi and I was told that I would need to reopen the dispute by mail, which I did ( letter attached ). 

Citi received this letter on XX/XX/XXXX, and responded on XX/XX/XXXX ( only XXXX business day later ) with a word-for word copy of their letter on XX/XX/XXXX. This does not address any of the points I raised in my phone calls, email, and letter, nor did they justify their unfounded position that I had provided this merchant with my account number.

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 2023-10-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13
Company: Atlanticus Services Corporation
State: CA
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 closed this account on XX/XX/. Once I closed the account I started getting charged account maintenance fees of {$12.00} per month. Its almost like a penalization for canceling and a way for the company to continue to get more money from consumers because they wont be spending any more money. Its ridiculous that credit card companies are allowed to do this. On top of this, since its a fee they are allowed to put this amount on top of the minimum payment amount. So my minimum payment amount has increased, making it hard for me to pay it monthly. Because of that, Ive been charged late fees for several months which also get added on top of my minimum payment. Making it even harder to pay my monthly minimum. I called Fortiva and they refused to reverse my late fees because I closed my account. 

This isnt a consumer friendly card and they want to milk the consumer anyway they can.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: GOLDMAN SACHS BANK USA
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
My Credit card ( XXXX ) was recently transferred from XXXX  XXXX to XXXX by Goldman Sachs on XX/XX/XXXX. I have received a letter to create a new online account to view my info, however after making the account login it requires I get a 6 digit code to access my account online. I can never get that 6 digit account. Spent hours on XX/XX/XXXX trying to call and got hung up, transferred and even cussed out. Tried contacting via XXXX and have copied my ordeal on there for others to read.? Latest I heard from an XXXX XXXX that my email will not work ( I used it for XXXX XXXX, and every other bill/membership etc I have ). She stated I needed a XXXX account. So I created one ... .still can not get access. I have called at least every other day asking for help ... no changes. Made a XXXX XXXX on XX/XX/XXXX at XXXX at night with XXXX who said it would be answered in 10 days ... .no response. I have asked for management... they refuse customer access. I need my info to do my taxes, this is killing my nerves.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: CITIBANK, N.A.
State: CA
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 was never late on this Macy 's 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
Consumer complaint received 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXXXXXX XXXX XXXX Balance : {$220.00} XXXX XXXX  XXXX Balance : {$220.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing

Complaint:
I applied for a XXXXXXXX XXXX position at the company XXXX XXXX on XXXX. I was contacted a few days later with a scheduled interview. It was an online interview for 30 minutes. I was supposedly selected then a few days later I was sent a check to purchase office equipment for my home. I went to my bank on XX/XX/19 and asked the teller " do you think this is legit? because I am not familiar with positions like this ''. I was told that if the check goes in my account it should be good to go. XXXX contacted me and asked if I was ready, I said no because the money isn't in my account and they said it should be there by tomorrow the latest. I checked and it was there so I thought everything was legit. My next step was to go to my bank and get a cashiers check and take that check to Bank of america. I explained the situation again " does this seem secure because I am not familiar with this kind of business '' but I didn't receive any warning. I did all this by XXXX on XX/XX/19. The people were suppose to deliver the equipment to me by XXXX. Something told me to check my account. I checked, the funds from the check was gone along with that same amount from my bank account. I called my bank, they told me to go to bank of america and stop the check. I got there at XXXX and told them to please stop the check, something is wrong with this transaction. The lady at the branch told me that it was already scanned. Now here I am.

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 2023-10-09
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Last 4 of SSN : XXXX To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows : Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 
Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX XXXX, La XXXX Employer : XXXX XXXX XXXX XXXX Social Security Number : XXXX Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my Identification card as well as a recent copy of my bank statement for your verification. 
Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: U.S. BANCORP
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
U.S. Bank My business master card was used to make unauthorized purchases. when I disputed the actions I made the request for validation of debts that were not familiar to me. we have made many notices with regard to these debts. at XXXX time we received a statement showing it was cleared we received credit validation. but XXXX months later they come back with the same problem. again we request debt validation and a copy of the charges to this account with a wet signature. To date all we receive in monthly statements which does not validate the debt being ours. we also requested a copy of our payment history. to date, we have not received any requested documents. the last packet we received only contained the statements which did not give us information to contact the creditor they paid. we informed them in writing what was needed. but we only get statements. on XXXX the withdrawal from my checking account was completed in the amount of XXXX or more without my consent. I was not notified of these actions before it was done. I received a written notice from XXXX XXXX  XXXX that it was done. this has caused me serious hardship in meeting my monthly obligations. I did notify the bank and was told they could do this. create a hardship without notifications before it is done. because of this my housing is in jeopardy i will not be able to cover my utilities and my medication can not be purchased,

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 2023-04-01
Company: TD BANK US HOLDING COMPANY
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2020 I paid my XXXX ( red ) credit card bill online in full .The due date was XXXX, XXXXThe payment was effective XX/XX/XXXX XXXX. 
The following month I received a late fee stating the payment was posted on XX/XX/XXXX  I opened a dispute and showed them my recipt as proof, however it wasn't considered. 
I refused to pay the late fee knowing my bill was paid in full and on time, but the late fees piled up until they reached {$280.00} when it reported to my credit score. 
I will attach the documents. 
Please let me know if there are any questions. 

Best regards, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Complete Credit Solutions, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
In XXXX of 2019, I financed a living room set from XXXX XXXX XXXX XXXX through XXXX. The original debt was approximately {$1100.00}. I was making my payments for a few months, but then lost my job. A few natural disasters and a pandemic occurred, and I still have not been able to secure employment. I started to get calls over and over from XXXX on my cell phone to pay my bill. I was never offered an arrangement or anything to resolve the issue. Now Im getting phone calls from a collection company that states they are a lawyer last name XXXX office, and that Im going to jail for theft, defamation and fraud. I was told that I was sent letters for an arrangement, however, I did not receive anything. The woman on the phone is accusing me of being a thief, telling me that now i owe {$3800.00}, and saying that shes just going to turn me over to court and a judge will order me to get arrested for fraud and theft. They keep calling my cell phone under a private number, though Ive asked them to stop because I feel threatened, humiliated, and harassed.

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 2023-01-13
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:
I reviewed my credit report recently and I came across many fraudulent accounts and false information being reported. My sensitive personal information was stolen in data breaches and made my identity vulnerable. The fraudulent information on my report is not mine.

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 2023-10-09
Company: AppFolio, Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
OnXX/XX/XXXX my application for rental was denied due to information that is vacated and sealed with the courts. 

Appfolio denied me based on my old information they had in their database. 
Literally pulled my credit report and XXXX seconds later I was denied. 

I've wrote them letters twice once last year and once this year in XXXX for disputing and removal along with valid proof and they still haven't done such.

Company response to consumer: Closed with explanation