BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-01
Company: First Data Corporation
State: WI
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:
On XX/XX/XXXX I wrote Check XXXX to the grocery store for {$64.00} On XXXX It bounced On XX/XX/XXXXit cleared The check was deposited via telecheck systems at the cashier. 

Two weeks after on XX/XX/XXXX my account gets a debit for XXXX from " my grocery store as a fee '' I immediately told my bank I did not authorize it. I didn't have XXXX in my account so on XX/XX/XXXX they bounced it, and charged me XXXX Today XXXX, I called the grocery store, they said they had nothing to do with it, Telecheck sent the XXXX fee. They told me to call Telecheck, at XXXX, I called. When I explained the situation, and cited www.fdic.gov/regulations/laws/rules/6500-580.html Section 3 ( c ) 1 Checks " Regulation E does apply however to any fee debited via an eft from a customers account by the payee because the check was return for insufficient funds or uncollected funds. The person debiting the fee electronically must obtain the consumer 's authorization. '' I did not authorize the fee, and they never notified me of it. When I called the number they then sent me to XXXX XXXX XXXX  XXXX, where I explained the same. 

They broke the law debiting a XXXX fee by not garnering my consent. 

I did tell them they can charge it on Friday, payday. However, I am reporting this practice because this check for food for XXXX cost me nearly twice as much as the amount on the check in fees between the bank and this company.

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 2023-05-24
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I abhor this! I've sent complaints and sent disputes for months, but I've seen no response to my complaints. I'm being hurt and under a lot of stress as a result of this.

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 2021-06-06
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
This is a follow up of the following CFPB claim. My membership rewards account had been unfrozen. However, the 35 % bonus points did not shon in my MR account. I contacted Amex many many times via phone or chat, the agents always give me difference response. No one help me to solve the issue. 


CFPB Ref No : XXXX and XXXX Ref : XXXX and XXXX Account Ending in XXXX Dear XXXX XXXX, Were writing in response to your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). We processed your booking with pay with points. We can not restore your ability to redeem your Membership Rewards ( MR ) points at this time. 
We processed your booking with Pay With Points On XX/XX/2021 you booked your travel through American Express Travel. On XX/XX/2021, we processed the redemption of XXXX points towards your booking and issued a credit towards your account of {$11000.00} which is reflected in your enclosed XX/XX/2021 billing statement. 
We have temporarily suspended your ability to redeem MR points We have temporarily suspended your ability to redeem MR points while we review your MR account to ensure you complied with our offer terms, this includes the 35 % airline bonus when you use Pay with points to book your eligible travel or flight through American Express travel. We took this action within the terms of the MR program. If at the end of the promotion period we determine that you have complied with our offer terms, we will unfreeze your account unless there are remaining concerns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$3200.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: Opportunity Financial, LLC
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX and Opp Loan continue to ignore my requests to correct the dates which are incorrect. I've sent the info to Opp Loans directly several times & to the CFPB for both XXXX and Opp Loans. Yet the dates reported continue to be dispute rather than paid and closed dates. XXXX has lowered my score with their inaccurate reporting. Opp Loans could care less. They don't want to fix it and I've tried several times going to them, then to XXXX. Yet the dates are still showing as the dispute dates for 2023 which are incorrect, and XXXX continues to report the accounts as " pays as agreed '' which makes them look like they're open rather than closed accounts. They're paid, closed and no longer active! Yet XXXX and Opp Loans keeps saying the dates are accurate which means they're being lazy or just don't care. I'm going with both! So the below will take place should they continue to fail to fix the problems. I won't keep fighting it. I'll take it to the legal system as I have every right to do for anyone violating Fair Credit Act Laws. I don't want to hear that you're abiding by them because you're both lying! I filed a complaint against Opp Loans with the XXXX XXXX XXXX too. I want someone above their credit area to see what the problem is since they fail to read or understand the issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 submitted a letter to the XXXX Credit Bureaus on XX/XX/XXXX, to remove this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 2020-05-28
Company: CIT BANK, NATIONAL ASSOCIATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
From XX/XX/XXXX I had a residential mortgage with XXXX which I was informed is under the control of CIT Bank. This account was transferred to another lender in XX/XX/XXXXbefore CIT Bank took over. In XX/XX/XXXX, the mortgage was reported as 30 days late to each of the 3 major credit reporting agencies. When I reached out to file a dispute to have this item removed after XX/XX/XXXX ( 7 years from the date of the first delinquency ), CIT changed the reporting to show it as a positive account, committing blatant fraud in their reporting rather than removing this item as requested. Each time I've reached out to CIT to discuss this account, I am continually being told they have no information on the account, either under my name, social or the account number, yet they respond to any disputes filed by the credit bureaus, informing them that their reporting is correct, when in fact it is not. For months I have continually tried to get this account removed from my credit file, only to be told that the information being reported by CIT is correct, thus allowing CIT to  continue to commit fraud by changing information on this account from negative to positive, avoiding the Statute for time limitations and not reporting accurate information. I am seeking assistance to have this item removed for the blatantly fraudulent information they are reporting and for their failure to respond to me as a consumer to challenge the accuracy of their information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: EQUIFAX, INC.
State: TX
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 have sent numerous of letters stating facts of accounts on my credit report that are reporting incorrectly or cant be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 have contacted the credit bureaus XXXX XXXX, Transunion, XXXX  XXXX on multiple occasions asking them to remove the bankruptcy ( reference number : XXXX XXXX from my credit report. I have not given consent for them to report this information and 15 USC 1681 a 4 states that, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. This information on my credit report is invading my privacy.

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 2023-07-18
Company: Webcollex, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
CKS Financial is harassing me by repeatedly calling me every day and sometimes multiple times a day trying to collect a credit card debt. I have blocked every number that they call me from. They are calling every morning from a different number. They have even called on the weekends.They have brought this so called debt and have no rights to try and collect on it. I cant take it anymore more, the account is closed, its on my credit report as closed on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: VYSTAR CREDIT UNION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
VyStar has locked my checking and saving accounts with no explanation, email, letter or text notifying me as to why. I found this out when after doing my own research when making a monthly payment for my auto loan. I have been trying to make my payments online since XX/XX/23. When I transfer funds from checking/savings account I get a successful transfer ( took screen shots as proof ). When I log into my account it says {$0.00} payment due by XX/XX/23. However, no funds are being withdrawn and there is no payment being applied from my Vystar checking and savings account. I received no explanation, email, letter or text notifying me of this. I am under the impression that my payments are going through ( took screen shots of the successful message from Vystar of transfer ), yet behind the scenes its ailing in the transfer history log. I am being charged a late fee {$15.00} for this and have an adverse credit concern. This is not the first time they have done this to me. When I paid off my personal loan ( golf cart loan ) with a refinance, there was a {$23.00} balance. I sent a {$23.00} payment to satisfy the remaining balance this off multiple times. However, when I logged into my account it still said balance of {$23.00} but {$0.00} payment was due. Then they hit my credit with a 30 day late, but the following month the account shows paid off {$0.00} balance. But the late fee still shows on the credit. Vystar needs to have some accountability for this, better transparency and notifications sent to customers when there is an issue.

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 2018-06-11
Company: Experian Information Solutions 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:
In late XXXX, I sent an investigation request to Experian, asking them to investigate errors on my report. They were supposed to respond within 30 days. Well over two months have passed, and I have yet to receive a response. They have also ignored my follow-up letters.

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 2022-12-06
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My credit report was ran and a collection from Ic Systems Inc representing XXXX a gas and electric company came up on my report. I got this information from XXXX XXXX XXXX XX/XX/22 So on XX/XX/22 I called Ic Systems Inc and they wanted me to pay {$470.00} to get the debt taken care of which is not my debt. I called XXXX myself and they never sent anything to a collection agency. 
I have XXXX XXXX the lady I talked to at Ic Systems Inc ) my bank card to put {$1.00} and my social security number to pull up my account. 
I believe this is a scam so I cancelled my card I gave her.

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 2022-04-18
Company: Commonwealth Financial Systems, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Commonwealth Finance supplied the Credit Bureaus with negative, destructive and false information stating I owed a debt. The said company was contacted by phone on XX/XX/XXXX and was told that the debt was not owed due to bankruptcy and was provided the record. The dispute for the debt was approved and stricken from my bureaus. As of XX/XX/XXXX, the same company has reissued the same debt and has potentially ruined any chances of credit being extended and raising my insurance rates and lowering my credit score dramatically. I am in peril of having my credit cards charging me a higher interest rate. They are holding my credit for ransom for a debt that is not owed. They sneakily added this to my bureaus and have not sent any letter or called to inform me of said debt. This is heinous and they need to be severely reprimanded for this insidious business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I pulled my credit report and did not know who this company, AD Astra Recovery was saying that I owed a debt to them from a XXXX  transaction. I have paid all of my debts so I asked them to validate the debt per my consumer rights protected by the Fair Debt Collection Practices Act. I sent them a Validation Demand on XX/XX/2019 asking for a contract, statements or detailed billing history to prove the debt was mine. 

I did not get a response. 

I disputed the account with the Credit Bureaus letting them know that this account was in violation of the law, the collector did not validate it, and asked them to remove it. All three credit bureaus said that this company AD Astra Recovery verified it and continue to report it. So I sent another Validation Demand to AD Astra Recovery to show me proof that this debt was mine on XX/XX/2019. 

I did not get a response. 

I again disputed with the credit bureaus letting them know that my rights were being violated, that this company is not complying with the FDCPA and for them to report a debt that the collector does not validate violates the Fair Credit Reporting Act. All three continue to report it and claim that AD Astra Recovery has certified that is correct and my debt. SO I sent a follow up letter on XX/XX/2019 to AD Astra Recovery asking them if they can certify it's mine with the credit bureaus why can they not send me the same certification? 

I did not get a response. 

I have read, while researching this account, that AD Astra Recovery often violates the law and does not comply with the FDCPA. What upsets me is that this is still on my credit report after multiple violations and that the credit bureaus refuse to recognize these violations. I have asked the credit bureaus to send me the proof from AD Astra Recovery that they are using to verify it and they refuse. I just get a generic letter that says it was verified without any information that proves it was verified by them. How can the credit bureaus also violate my rights and get away with it? 

I want this debt removed from my credit report for violating my consumer rights protected by Federal Laws FCRA, FACTA, FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : 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 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 explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: PA
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # 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 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 2023-05-24
Company: EQUIFAX, INC.
State: FL
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-13
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX XXXX XXXX XXXX with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017 2017

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