BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-22
Company: Experian Information Solutions Inc.
State: NY
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'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-03-14
Company: CITIBANK, N.A.
State: MI
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:
Citi-bank ( Sears ) Statement issued XX/XX/XXXX Balance remaining {$160.00}, of which {$130.00} was a previous promo expiring XX/XX/XXXX. Payment due XX/XX/XXXX. Payment of full balance paid XX/XX/XXXX. So my promo balance was paid within the time alloted for no interest. 

Convenience check issued XX/XX/XXXX. {$4800.00} + {$240.00} ( 5 % fee ). 

Received new statment. Shows full amount of past balance as XXXX. 
Shows the convenience check XX/XX/XXXX {$4800.00} Shows fee 5 % of {$240.00} Shows interest charged {$2.00} to regular purchases. 

Applied payment, not to my past balance, but only {$32.00} was applied to past purchase balance, not applied to the interest charged and {$130.00} was applied to the convenience check just issued. This means the {$130.00} is now subject to $ XXXX % interest. 

I contacted them, explaining the payment made and wanted to know why they are charging me interest. They said they can apply the payment wherever they wanted and they would not change how my payment was applied. 

The only recourse I have is to make payment in full for full balance or continue to be charged interest on the {$130.00} and interest on the interest because they apply all payments to the convenience check before anything else. 

I am now requesting that you look into this and please get them to apply my payment correctly?

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 2023-04-05
Company: Conn's, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a washer and dryer through Conn 's home plus. I am trying to find out if it is legal for them to continue to call me 8 times a day. I am not even one month behind. I am behind on my payment but not even a month behind. I talked to someone yesterday XX/XX/2023 at Conn 's and told them I will make a payment. This coming Friday XX/XX/2023. The man proceeded to tell me I owed two months. I asked how much my payment was a month and when it was due. He told me it was due on the XXXX of the month, and it was XXXX $ I said Well then how come I owe two months if I am only behind on it for XXXX and the payment for XXXX is not even due yet, but I owe it? He told me I didn't need to pay XXXX, but I have to pay XXXX. Thats when I set up the arrangement to pay it. They still feel the need to call me 8 times a day from different phone numbers. All because I wont give them permission to take the money out of my bank account. If they do not get there money on the XXXX, they are calling my husband and I 8 times a day starting the XXXX. and by husband and I mean they call his phone then call my phone. and His name isnt even on the loan for the washer and dryer. Please help with this. I have even asked about how to turn the washer and dryer back over to them. They told me I had to go to the store to even see if they will take it back.they called me 6 times on XX/XX/2023, 8 times on XX/XX/2023, 8 times on XX/XX/2023 and 8 times on XX/XX/2023. XXXX just lost and tired. please help if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: CBC Companies, 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:
I am a prey of identity theft. I am writing to appeal that you block the following false information from my credit report. 
I have no knowledge how the theft took place. I also have no awareness of any suspects. 
I did not obtain any money, goods, or services as an outcome of identity theft. 
Please remove the following accounts : XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$200.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$3800.00} XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$950.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: Jon B. Sage, P.A. dba Sage Law Offices
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My son received 2 XXXX XXXX XXXX of XXXX min each, from XXXX XXXX XXXX. The market price range of this service is around {$50.00} per session. Prior to the sessions, I received an estimated price of {$120.00} per session. That information was provided by XXXX XXXX, the actual physiotherapist that attended to my son. The quotation the Hospital offers in their website is {$100.00} per session. 

Despite my son needing treatment of XXXX sessions, after XXXX we decided to change the provider due to the bad services my son received. 

However, after a while the hospital billed the insurance the amount of {$1900.00}, meaning 8 times more than the estimated cost ( {$120.00} per session ). The insurance paid {$280.00} and adjusted the total charge with the hospital. So, the hospital sent me a final bill of {$80.00}, which I paid. 

To my surprise, some months after the hospital started to bill me an alleged difference of {$1500.00}. 

The hospital received {$18000.00} per each ridiculous session of 30 minutes. More than the estimated {$120.00}. 

This overpriced charge is totally illegal since the hospital adjusted the cost with the insurance as well as already charged me the difference not covered that I paid promptly. 

It is notorious that once the total charge is repriced by the insurance, and the provider accepts the lesser fee, the extra value CAN NOT be charged. 

Some months ago, came to me an internal communication whereby the actual hospital employee recognizes they are trying to receive an amount 400 % above the price already paid which they prior accepted. 

The hospital is violating the No Surprises Act rules by billing us an enormous amount extremely over the good faith estimated price. 

Besides, I didnt receive any itemized list with specific details about the services provided able to justify the amount pursued by the hospital. What in that physical therapy sessions would justify such a huge cost? 

Recently, I started to receive threat letters from Sage Law Offices ( debt collector ). Even after I explained to them and PROVED the payment, they are insisting on harass me with undue charges. I made some search, and it seems to be the modus operandi of this Law Firm. 

On XX/XX/2023, I disputed the collection. However, nobody answered me. 
On XX/XX/2023, I received another debt collection letter, once again ignoring my dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Amsher Collection Services, 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: Account information incorrect

Complaint:
Is listed that I have a collection for XXXX XXXX XXXX and Im using it to do this report the only XXXX XXXX I have!!! And it is current and with 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 2023-03-14
Company: Paramount GR Holdings, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Pawn loan
Issue: Can't contact lender or servicer

Complaint:
This is regarding client of this company XXXX XXXXXXXX XXXX XXXX. 

The plumbing manager was trying to force me to take a tank water heater when I paid for tankless. I feel like my rights as a homeowner were being trampled on. Is he paying for the job or am I? He has no right to force me to take something. For two to three hours, I had no idea what was going on. At one point I asked for my existing tank to be put back and just cancel the job to the worker and plumbing manager. But my old tank AFTER removal did not work was what I was told. For two to three hours, I had no idea what was going on and did not have peace of mind. I was trying to reach my advisor and called the general number, but could not speak with anyone. You can not put a price on having peace of mind. After some time I was told they would run the gas line the next day. I was out of the heat for one day on XX/XX/XXXX, I was told that everything would be up and running on day 1. Due to a gas line being added the job is taking 2 days. This job is not yet completed and they have taken the money from the lender. My HOA has contacted me regarding the outside and asked when they are coming back to finish everything. I can not give them that day because they have not told me the day. They need to fix/replace the door, the outside lawn area needs work and it needs to pass inspection. They are not in a rush to line this up since they have been paid against my permission, I would have gladly paid them after they have completed all the work. It passed inspection 2 weeks ago, they said they would come back to fix/replace my closet door. After about 2 weeks of trying to speak to someone, I spoke to XXXX and he stated because I " choose the system '' they will not attempt to fix my door. They wanted to put a bigger tank than a tankless water heater. Also they need to clean the yard there are still flags and markings on the ground. This is over a month and the company was paid after a week, they should not have been paid. In addition, the water tank makes strange noises sometimes. 

Also, XXXX XXXX XXXX XXXX says they are XXXX XXXX XXXX accredited and they are not. If I had known this, I would not have chosen this company. This company needs to fix my doors.

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 explanation
Consumer complaint received 2023-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
In XXXX of XXXX I filed an unemployment claim with the California EDD and subsequently received a debit card from Bank of America. On XX/XX/XXXX my remaining balance of {$3000.00} was withdrawn from my account. I, however, did not withdraw the money. I reported this to BofA and received a notification on XX/XX/XXXX that the research had been completed and they were denying my claim of fraudulent activity on my card. 
Since then I have made numerous phone calls to BofA and spoken to multiple people. The claim was reopened and is still being investigated. Today XX/XX/XXXX I called BofA again and spoke to XXXX from Nevada. He said my account should have been resolved already, so the next step was to file a complaint that would take an additional 45 days to resolve. He filed the complaint. 
It appears that BofA has absolutely no intention of resolving this issue! This is a lot of money, I'm still unemployed and this situation has created a significant hardship for me and my family. 
Thank you.

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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ACCT # XXXX 15. USC 1681 section 602A states I have the right to privacy.

15. USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15. USC 1681c ( a ) ( 5 ) -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 information relating to a consumer to any consumer reporting agency if the person knowns 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 2023-04-11
Company: SUN LOAN COMPANY INC.
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Sun Loan of XXXX XXXX, NV off XXXX XXXX has been repeatedly calling me all 7 days a week, sometimes twice a day and calls from their personal phones. But here is my issue in dire specific : They chose to call my parents, who are not on the references list. With this being my second loan from them, references staying exactly the same with updated addresses, they chose to violate my privacy by calling family members who are not on my references list, nor, according to both my parents, never received a call from them from my first loan when that loan was past due like this one. Interestingly, because I've actually answered them and gave my explanation, to implore negligent debt calling tactics to where not one of my references received a call, let alone an actual voice-mail like they did today on my mother 's phone and my uncles phone but not my phone, nor any of the references i have listed, not once, is gross negligence for any company to do. Considering, again, this being my SECOND loan from Sun Loan XXXX XXXX XXXX XXXX off XXXX XXXX, this debt collecting tactic is unacceptable and I will pursue legal action. 

( Some would ask : How do you know its their personal numbers? Well, when it's XXXX and ALL phones now come with scammer warnings and personal cell phones do not have that for people you don't know but can only be for landlines in that case and so this leads to an accidental phone answering, who is it on the other line? Of course it's them because they knew you would pick up a call by a phone number that's a personal number that resembles a number close to yours or the store number. So yes, what Sun Loan is doing for debt collecting is illegal. And again, especially since this is my SECOND loan. So whatever tactics these are, they are DEFINITELY illegal. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: Experian Information Solutions Inc.
State: GA
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-03-14
Company: ALLY FINANCIAL INC.
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
As trustee, I opened a CD in the name of my mother 's irrevocable trust. She XXXX XXXX on XX/XX/XXXX and I contacted Ally Bank to close out the CD. I was told since shXXXX XXXX XXXX the CD can be closed without any early termination penalties and XXXX from Ally set up a XXXX report and issued a reference number XXXX. I was instructed on XX/XX/XXXX to fax the XXXX certificate, a copy of my DL and instructions for depositing the funds, which I did on XX/XX/XXXX. I was told that once the information is received it would take XXXX business days to process the request. When I did not received the funds or any correspondence in XXXX business days, I contacted customer service on XX/XX/XXXX. On XXXX I spoke to XXXX who had no information on my request and escalated my request to a XXXX for review and that should take XXXX business days. I called back on XX/XX/XXXX and spoke to XXXX. She told me that the transfer has been inititated and it should take XXXX business days and I should call back on XX/XX/XXXX. I called on XX/XX/XXXX and spoke to another representative who told me it should be another XXXX days. I asked to speak to a supervisor and was connected to XXXX. He told me that XXXX should never had told me that the transfer has been initiated because that was not true. XXXX told me that they are waiting for FIS to inititate the transfer- and that should take another XXXX days. 

I have done everything the bank has asked me to do and I am very concerned that every time I call, a customer service representatve tells me to wait another XXXX business days. No one can give me a definitive answer as to when this money will be released and I feel they are holding it XXXX. This money is needed to pay for the care my mother received up until her death and I want Ally Bank to be accountable - something needs to be done.

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 2023-03-14
Company: TRUIST FINANCIAL CORPORATION
State: KY
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 account is a direct violation to 15 USC 1681n, 15 USC 1681o, 15 USC 1681e, 15 USC 1681a2b, and IRS Publication 4681. I have been disputing this fraudulent account for years and it has been extremely difficult, damaging and hurtful. Not only is this not my account all three bureaus have conflicting information from, account type, date opened, payment status, comments, and payment history. Because companies can not keep my information safe, I have been a victim of multiple breeches, fraud, and other identity violations. I have suffered, denial of credit, increased cost of credit like paying 159 % interest for a small personal loan, and lost opportunity to obtain credit. I have suffered damage to my personal and professional reputation, derogatory info sent to insurers, creditors, banks, and employers. I've also suffered damage to my reputation among my peers ; loss of financial independence ; loss of self-esteem, being personally violated, and continuous harassment and invasions of privacy. Not to mention the emotional distress, embarrassment, and frustration of being denied credit, having to explain errors on the credit report, knowing that false information is being reported, physical symptoms : headache, loss of sleep, XXXX, crying, irritable ; interference with normal and usual activities ( time spent trying to fix errors, get credit, review reports, interference with work, distracted, inability to concentrate. ) I am currently trying to get a new job and a new home, and this has come up yet again threatening my personal and professional wellbeing. This is absolutely total defamation of my character and humiliating to have to explain. This is also in violation of Fair Credit Act and Fair Debt Collection Practices Act, Public Law 111-203 ; Title X ; 124 Stat 2092. Please remove this off all my credit reports 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 2023-03-14
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
My payments to this company is due on the XXXX. I get paid twice a month a pay with my last check, its just how my bills are set up. This particular company calls, harass monthly. Ive been talked to ugly. I said I dont like the fact I used the company for this reason and the employee answered well we dont like you either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions 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:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

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