BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-07
Company: LEXISNEXIS
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Sending attached documents and complaint to the furnisher at the same time as this document is being sent. The furnisher of credit information being disputed within the attached document, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) is fraudulent, which can be demonstrated by review of the attached documents. 
The charge of operating a motor cycle without protective eyewear does not apply to the provisions of Florida statutes section 316.211 ( 2 ), where the motorcycle at bar was a scooter with an engine displacement of 50 cubic centimeters or under, thus protective eyewear not required pursuant to the provisions of Florida Statutes section 316.211 ( 3 ) ( a ). 
This action was commenced on XX/XX/2019. These actions constitute filing a false report with the credit reporting agencies. 
Actions taken by company : Conviction of violation of Florida Statutes section 316.211 ( 2 ) and suspension of my drivers license for 5 years, due to the violation of Florida statute section 322.264, which was a direct by-product, ( fruit of a poisonous tree ) of the original fraudulent action of issuing a citation when no law was in fact broken. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX, Fl. XXXX, Fl. Bar # XXXX, was the fiduciary, that was paid {$1500.00} to dispute these matters with the furnisher, that refused to do so. I accepted the terms of the agreement under undue influence of a conspiracy to deprive me of my civil rights, perpetrated by the court, fiduciary, and officers of the furnishing agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: I.C. System, Inc.
State: OH
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 spent 6 months ( XXXX through XXXX of 2016 getting our bill/account corrected with XXXX. We were finally refunded over {$650.00} of excessive charges after continually calling and then working with a special department at XXXX. 6 months of my time. Our contract was ending that fall. 

Date : Fall of 2016 after all of the hardship we went through with XXXX, we switched to cheaper Military Plan on XXXX  during a special where they paid off any remaining balance on your contract to your provider ( which was XXXX ) and sent back the phones to the provider ( we turned in our phones and they were mailed back to XXXX ). We were present when they contacted XXXX and ended our contract. 

Amount Disputed : {$1300.00} This amount was put on to my credit report. I have submitted a dispute four times through XXXX. We do not owe anything to XXXX. Our account was current by us and paid in full by XXXX  to buy us out of contract to start up phone service with XXXX XXXX. Our contract was paid in full by XXXX when we switched providers. We are still with XXXX to this day.

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 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct this erroneous account. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. Is was included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX : {$240.00}

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 2023-09-09
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was making a payment on my Lowes card on XX/XX/23 and discovered my account was closed. I have not received a letter stating my account was being closed. I called Lowes Customer Service and was informed on XX/XX/23 my account was closed because I have too many accounts with high balances. Well who don't have credit cards with large balances at this time with this economy. I was okay with Lowes dropping my limit but to close my account entirely hurts my credit score.

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 2021-10-24
Company: CNG FINANCIAL CORPORATION
State: WI
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:
In XX/XX/2021, I noticed that XXXX was show showing a repeated charge off that manipulated statute of limitations regarding XXXX/CNGO Acct # XXXX. I asked XXXX and XXXX/CNGO to investigate and delete as it was reporting inaccurately. Both entities claimed verified with XXXX fraudulently claiming they do not have the power to remove the account. I then asked for MOV that was ignored by both entities. Then I asked XXXX/CNGO to prove they were reporting correctly. They could not do so. In fact, all they sent me was an unsigned contract which is not proper verification/validation of a debt. 
However, both XXXX and XXXX/CNGO both claim this account is reporting accurate and refuse the delete this inaccurate and unverifiable account. Which is a violation of my consumer rights and an FCRA violation. 
Furthermore, it is blatantly illegal to report a charge off for 5 months in a row then report nothing for 12 months to then remark 'N ' two to three years later. This is clear manipulation of statute of limitations and the inability to properly validate/verify debt with a signed contract with my signature allows me to seek monetary compensation for violation of my consumer rights. I demand that the account be deleted in full or to be compensated to the amount of {$1000.00}. I have been asking that this be resolved for the past 6 months, Per the FCRA I am entitled to monetary compensation for violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: TX
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 the below accounts have violated my rights. 

XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX 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 2023-06-09
Company: EQUIFAX, INC.
State: TN
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Where is my refund check in the amount of {$1400.00} ; see my initial complaint CFPB # XXXX. I do not owe XXXX XXXX or XXXX Credit Card ( i.e., " Citi '' ) any money! 

I made one purchase XX/XX/2021 for a XXXX washer and dryer ; however, installation is incomplete, there are missing parts, there is no warranty. 

I disputed the bill with XXXX XXXX and XXXX Credit Card, immediately, due to no installation XX/XX/2021, missing parts, no warranty. The dispute was ignored by Ms. XXXX. I followed up to dispute the bill, again, XX/XX/2021 to initiate the process. XXXX Credit Card finally sent a letter to me dated XX/XX/2021 to grant the credit for the entire amount of the purchase {$1500.00} and reverse all charges and/or late fees as XXXX Credit Card continued to bill me during the 'billing dispute ' and negatively report on my credit to all three credit agencies! But, not one invoice reflects the 'credit ' and reversals of charges and fees! Neither have I received my refund check! Where is my refund check for {$1400.00}?

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 explanation
Consumer complaint received 2021-10-25
Company: Reliant Capital Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
on XX/XX/25 i received two back to back calls from reliant credit solutions, i did not answer as i was working, i then proceeded to be told that they have been contacting my work

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
State: NY
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:
In accordance with the Fair Credit Reporting the following XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2021-10-23
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
THE ADDRESSES THAT ARE LISTED DO NOT BELONG TO ME. I HAVE NEVER LIVED AT ANY OF THE ADDRESSES THAT ARE POSTED ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: EQUIFAX, INC.
State: NY
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 letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago. I have not received as response yet and seems as if my disputes being ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I have incorrect information reporting on my credit report, I contacted multiple agents to try and get it resolved and never got an answer on how to get it done, nor any assistance was offered, all agencies refuse to do anything about the situation Companies like XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt letter from a company called resurgent. They stated I owe money on a XXXX XXXX XXXX credit card Ive never even owned from 2007. I did call XXXX XXXX XXXXXXXX to confirm this and they stated Ive never had a credit card with them. I called the debt collection agency back to tell them its fraud and Im not paying anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Bank of America had been charging my saving accounts for maintenance fee ( {$33.00} per month ) since last XX/XX/XXXX without my knowledge. They did not send me any electronic notification or statement in mail until today XX/XX/XXXX. I called them up asking why did this they could not explain why. I opened up the account in XX/XX/XXXX. They also charged my Visa card for interest for a cash advance check I used that had % 0 interest rate until XX/XX/XXXX. I want you to investigate and penalize them for cheating customers. I want refund for illegal charges that include maintenance fees, ( {$300.00} ) late fees ( no notification for payment deadlines ) and interests ( {$110.00} ).

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 explanation
Consumer complaint received 2021-10-24
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: Problem with personal statement of dispute

Complaint:
I ( natural person ) refuse to pay this alleged debt, I contacted the company to get the inaccurate information deleted off my consumer report, also I have an cease and desist on XXXX XXXX XXXX and the company is still in contact with me by reporting inaccurate information to my consumer report. The consumer reporting agencies put in a request for the alleged debt to be deleted. However, I disagree with there investigation results because pursuant to 15 USC 1681a ( e ) the consumer reporting agency must report to my neighbors, friends and associates. They didn't provide me with the results on how they investigated this alleged debt which makes this process unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I've been a TD customer for 14 years in XXXX and about 10 years in the XXXX. On XX/XX/XXXX I asked TD Bank to close both of my accounts and move all my XXXX money to my XXXX accounts. They said that for some reason they were unable to do this in one phone call, did a wire with one account ( I don't have the confirmation number ), and had some issues and charged me a number of fees unfairly ( details in previous CFPB complaint ). After a CFPB compliant on XX/XX/XXXX, they immediately phoned me, refunded the fees, said that they would close the accounts, and I thought that my accounts were closed and that the money had been sent to XXXX. I was given the wire confirmation number XXXX during a phone call with XXXX from their customer service team on XX/XX/XXXX. I thought we were now in the clear. 

However, in XXXX I got a notification from my XXXX account that I'd been charged a {$24.00} fee. It turned out that despite the wire confirmation from XX/XX/XXXX, my money had not actually been sent to my XXXX account and the account had not been closed. I contacted XXXX XXXX on TD 's customer service team on XX/XX/XXXX to inform him that I called the TD hotline and they said wait times were in excess of 20 minutes, and when I call the TD Cross-Border line and press 1 for english and then 3, it just rings a bunch of times and hangs up. 

I didn't get a further response, and again contacted TD in XXXX when I got yet another {$24.00} fee for low account balance. I finally took the 30 minutes needed to wait on hold for their customer service team, only to be informed that I could be refunded neither of the fees I'd been incorrectly charged since XX/XX/XXXX when I'd been told all my money had been given back to me. I decided to at least get my money out of there, so wired it to XXXX and asked them to close the account. Wire confirmation XXXX. 

After this call I emailed XXXX again ( I feel sorry for the guy but he's the only contact I have within TD, otherwise I have to wait for 30 minutes to even talk to someone ), and someone called me to tell me that I " could get one of the {$24.00} fees refunded, but to do that they'd have to refund me then I'd have to call back in, wait 30 minutes, and then have them wire the {$24.00} and close the account ''. I declined because I don't have 30 minutes to wait on the phone, to get half of the money that was taken from me, when I told them months ago to close my accounts and move my money out. 

This is absolutely crazy. I should just be able to phone TD, tell them I want to close an account, and have them do it immediately with no fees charged and without wasting hours of my time on this. The fact that they're doing this in the middle of an economic crisis and pandemic is even crazier.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
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:
I called Capital one ( XXXX ) and talked to a lady to cancel my credit card and she had me send a signed conformation of the cancellation. 
I was told that I owed XXXX dollars and some cents and that I had enough rewards to cover the charge. 
I received a conformation that the transaction on the card was cancelled and completed and that I had the option to renew it. 
I cut up the cards and sent them back to Capital one. 
Now I keep getting statements that the original balance increases each month from $ XXXX and the balance is now {$70.00} with no explanation!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-22
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Greetings. My name is XXXX XXXX, and I am writing in regards to XXXX, a financial institution. I have been a long time loyal account holding member, however, their business practices leave a lot of room for improvement. After noticing questionable activity on one of my accounts, I called up customer service and made them aware of the unfamiliar activity on my account. On XX/XX/2022 I canceled my debit card, and a new one was shipped right away. 5 weeks later, I notice similar activity even after the card was replaced so I decided to go into my local branch where I learned that not only had I been charged an upwards of {$450.00} in bank fees alone, that the transactions were not linked to the card, but the actual bank account number itself. I was not made aware of this from my prior dealings., and 5 of the overdraft fees alone were from the same {$3.00} dollar transaction. Yes, a {$3.00} transaction, which was later returned to me by Citi. So after two days of disputing, I was livid to learn that not only am I not entitled to the refunds of the fraudulent charges, I would also not be getting the Non Sufficient Funds Fees returned to me as there was no notation on the account of me reporting the previous transactions as fraudulent when I requested the new debit card sent to me. 
I would like to lodge a formal complaint against the Citi Corporation as I am quite certain there are others who are entitled to having funds returned to them in the same manner I am, and given we are still recovering from a pandemic, there should be some regulations put into effect that protect consumers from these types of grievances. 
This matter was addressed with the corporate office only after I filed a complaint with the Better Business Bureau, where Citicorp further insist I am not entitled to my funds being returned to me as they do have no policies in effect where they are no longer charging fees in this manner, however since these discrepancies occurred before the policy changes were put into effect, my charges are not subject to a refund. XXXX XXXX XXXX It should also be noted that I have two references numbers regarding this complaint as their customer service line was unable to locate the first dated XX/XX/2022 ( or claimed that one did not exist ) which is XXXX. The second reference number which was given on XX/XX/2022 is XXXX. 
I would also like to add that when I did ask for the assistance from my local citibank branch, on XX/XX/XXXX, I was told by the branch manager that some of the fees should not have been assessed as well.

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