BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Delete fraud alerts and extended fraud alerts from my XXXX and Equifax XXXX : XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 
Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been attempting to ask Bank of America for help due to my health complications and financial hardships I have been experiencing. As you can see in my last communication to them I explained in detail my financial and health problems that are causing me to be unable to pay my accounts. I was forced into early retirement with a very limited income, and I was scammed by a debt settlement company who mislead me about there financial solutions they can provide. I am now left with a mess of debts and am struggling to figure this out. 

I contacted Bank of America for help, and they simply demanded I hand over {$11000.00} to settle this account. Well if I had XXXX I wouldnt really be in a financial mess would I? It's quite the peculiar assistance they are claiming to provide. I am filing this complaint in hope that the regulators see what Bank of America is actually doing to consumers, even senior, sick consumers. 

Because of my sensitive health conditions I am particularly vulnerable to XXXX, and at this point I am unable to leave my home and I am having a hard time getting groceries and other essentials. I'm severely stressed out and Bank of America just makes my stress worst. Something needs to be done about them.

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 2019-06-19
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: Their investigation did not fix an error on your report

Complaint:
Currently the XXXX XXXX is reporting two late payments XX/XX/18 and XX/XX/18 for 30 and 60 days past due. I was in a deferment and setting up a repayment plan with them and I have disputed this with them and the credit reporting agencies with no avail. I am trying to purchase a home and these false negative reports are hurting my chance at securing financing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: EQUIFAX, INC.
State: AR
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:
XXXX XXXX XXXX XXXX  {$240.00}. This account has caused me financial ruin. I have asked this account to be removed. XXXX XXXX XXXX  said this will be removed. which didn't happen they have only closed the account. because it was open in error

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX is my issue. I made payment on XXXX. I check my credit score saying Im delinquent on my account! I made the full payment of {$87.00} that it ask me to pay in full! This has caused great harm and now Im under duress! It dropped my score dramatically!

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 2020-04-08
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:
To Whom It May Concern, On XX/XX/XXXX I was looking at my credit report and noticed inaccurate information. 

Derogatory marks XX/XX/XXXX it says XXXX XXXX  XXXX {$130.00} Is owed. I had called this company many times in the past as this was all taken care of and there customer service reps had said they would remove from file. For some odd reason It is still on there. But was taken of. There was additional fee 's than it was fraud and never authorized by me. 

Inquiries XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX ( both companies I had called as neither company had I signed anything or applied for anything and to the best of my knowledge was fraud and unauthorized by me. Both companies agreed to remove from my file but for some reason still there. 

I have attached the false inquiries picture on here so you guys can see it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
IhavemanyincorrectinquiriesonmycreditreportthatIhaveneverbeenaffiliatedwith.Evensomeofthenamesandaddressesonmyreportarewrong.Idonotunderstandhowthesethingsarebeingtiedtomynamebutihavenothingtodowiththis.

XXXXXXXXXXXXXXXXXXXXXXXXUSDEPTEDXXXXUSDEPTEDXXXXXXXXXXXXOFED/XXXXXXXXXXXXXXXXXXXXXXXXUSDEPTEDXXXXUSDEPTEDXXXXXXXXXXXXXXXX

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 2021-06-30
Company: CITIBANK, N.A.
State: HI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XX/XX/XXXX To Whom It May Concern, During XXXX I was in Home Depot buying some window blinds. The Home Depot cashier told me that if I opened a Home Depot Citibank credit card, I would get a discount on the blinds. I said yes, filled out the forms and bought the blinds with the card. The total cost of the blinds at that point was {$89.00} I did not receive a statement for the Citibank credit card until XX/XX/XXXX. At this point Citibank had posted a Late Payment of {$62.00} to that account. I believe that is a % XXXX late charge for XXXX months, or XXXX percent for the year. I wrote the Citibank Credit Card office a letter saying that this was the first statement received, that I was sending a check for the amount of the blinds and asked them to forgive the Late Charge because I didnt receive notice for XXXX months. If Citibank had sent a timely statement ( within 30 days XXXX, for sure I would have settled that account immediately. 

Today, XX/XX/XXXX, I am receiving XXXX to XXXX calls per day about a XXXX XXXX that in less XXXX months has grown from {$62.00}. to {$170.00}. The calls are always Robocalls and at no time is there an opportunity to speak with a human representative. 
The increase looks like this : XX/XX/XXXX : {$62.00} XX/XX/XXXX : {$87.00} XX/XX/XXXX : {$130.00} XXXX an increase of {$45.00} in XXXX month XXXX XX/XX/XXXX : {$170.00} XXXX an increase of {$46.00} in XXXX month XXXX These are Late Charges on top of Late Charges. This is at the very least predatory lending. To charge a late fee of {$170.00} on an original bill of {$89.00}, XXXX even an amount that was paid in full within XXXX months XXXX, and then tack Late Fees onto Late Fees is nothing more than an invitation to take advantage of customers. This should in no way be allowed. 

I believe that Citibank intentionally delays the original statement in order to start the Late Fees rolling. This is essentially a scam and should not be tolerated. 

I would appreciate your help in this matter. 

Thank you, 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 2023-02-21
Company: I.C. System, Inc.
State: MI
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. This List of account below has violated my federal privacy and confidentiality under 15 USC1681. 

XXXX Account # XXXX has violated my rights. 
15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section A section 2 : It also states a consumer reporting agency can not furnish a instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer items of information Any other adverse item of information, other than records of convictions of more than seven years.

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

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 2022-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Bank if America had been calling me daily to get the XXXX owe to them. Even though I continually tell them I was paying an additional XXXX monthly on my loan. They are not listening to me even when I told them the I filed a complaint and BOA was looking into their error. Please stop the harassing process.

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 2023-09-20
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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 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 2019-06-19
Company: The Receivable Management Services LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I request the fridge repair service from XXXX on XXXX XXXX, 2019. As the technician came to my house and finished the service, I paid the amount of {$99.00} through the credit card in person. I have the credit card statement shown the {$99.00} had been charged through the card. However, after couple of months, I started to receive the collection statement from XXXX, I mailed them the credit card statement but things did not get resolved, I get the debt collector mail from The Receivable Management Service LLC which requested me to pay the debt. So I called the debt company to explain the issue, and they sent back another collection referral sheet again.

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 2021-03-03
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I had about {$1200.00} in a coinbase account. {$1100.00} invested and about {$150.00} in profit as of this morning. I checked the account this afternoon to see my portfolio at XXXX  and no records of any transactions in regards to the missing money. They don't have anyone that you can speak to. i did file a complaint and locked my account. then to unlock my account it was a long process and will take up to 72 hours. there is no response in regards to my missing money and i want an answer now. this is wrong and that is a lot of money to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I made a XXXX cash transfer {$1900.00} $ on XX/XX/2023 for my children 's educational and daily expenses to the wrong old phone which was our family member 's phone. The phone number was changed and I am not informed about the change. I tried several times contacting the receiver, XXXX XXXX XXXX and the Bank of America but the receiver, who took my transfer mistakenly blocked our calls. Bank of America, XXXX XXXX CA XXXX, branch XXXX XXXX XXXX XXXX and XXXX called and left messages several times to phone number XXXX ( XXXX XXXX XXXX XXXX but she did not answer or call back to Bank of America. I also called XXXX support but there was no solution to help me. 

We received letters from Bank of America saying " We recommend contacting the receiver of the funds for further assistance ''. She does not want to pay back money which the owner, I don't intend to give 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 2022-05-05
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022 I wrote Credit Control Corp 3 letters requesting validation of debt for 4 separate alleged accounts reporting on my credit report. All letters were mailed on XX/XX/2022 and each letter was received by Credit Control Corp on XX/XX/2022. To date, I have not received any correspondence to my request from Credit Control Corp. FDCPA gives collection companies 30 days to respond to this kind of request and requires them to discontinue their credit reporting practices until they " VALIDATED '' the accounts in question. Credit Control Corp has not complied with FDCPA Law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Bread Financial Holdings, Inc.
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Comenity bank has for months been unable to provide new ( inherited ) customers with the ability to register an account for a credit card they already have and use. I am asked to input my last XXXX SSN over the phone before I speak to anyone, which is unnerving considering I cant access my statements virtually at all. Customer service has told me there is no time frame for when registration will again be available. How can a financial institution take on an existing credit program without the infrastructure to properly support it?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
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: Personal information incorrect

Complaint:
In XXXX of XXXX, an attempted identity theft of my information resulted in me getting a credit report from all three reporting agencies. At that time, Equifax had my correct date of birth. Then in XXXX of XXXX, I was informed by my credit union that Equifax had the wrong date of birth for my information. 
When I try to get the date of birth corrected, Equifax tells me that I need to submit documentation to prove that I am " me '' and my social security number and my date of birth. 
If documentation is required to correct the information, then how did the date of birth get changed to the wrong date! Where is the documentation that caused that change? Who submitted the incorrect information? What protection does Equifax provide to ensure that this error can not happen again? 
I am submitting this complaint through the the Consumer Financial Protection Bureau in order to get questions answered and to protect my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: BARCLAYS BANK DELAWARE
State: CO
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:
The credit card company is taking money out of my bank account for no reason and refuse to research where this money is going to. They have no authorization to do so.

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: SYNCHRONY FINANCIAL
State: FL
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:
Since XX/XX/XXXX I have my XXXX XXXX XXXX and I made monthly payment to pay my bill at XXXX. I should be receiving XXXX Dollars ( this is the reward program XXXX XXXX has ) but today is XX/XX/XXXX and I'm not able to see and redeem my XXXX Dollars. When I check my account it says that I have {$0.00}. But when I check all my statements I should have until today an amount of {$68.00} XXXX XXXX. But I can not see them anywhere and I'm not able to redeem them anywhere neither.

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 2022-09-15
Company: HUNTINGTON NATIONAL BANK, THE
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: Their investigation did not fix an error on your report

Complaint:
accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights. 
5 U.S.C 1681 section 602 A. States I have the right to privacy.

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written structions 5 U.S.C 1666B : A creditor may not treat a payment on a credit card count under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: HI
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 U.S.C 1681. 

15 U.S.C 1651 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 1681 c. ( 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. 
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 non-monetary relief