BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-29
Company: Cedars Business Services, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am XXXX XXXX  of University XXXX XXXX XXXX, XXXX XXXX XXXX. During this summer, I tried to do internship to enhance my knowledge on the subject. I applied in a dozen institutions for scholarship or paid internship but could not be that lucky. 
One day I got an information about the internship option at XXXX XXXX ( US : XXXX ( XXXX ) XXXX ) and contacted them for the internship opportunity in various parts in the country and abroad. After selection process they asked me to go to XXXX with XXXX ( XXXX? ) for the internship. 

After few days had passed, I didnt get any follow up with them regarding VISA for XXXX because I still have Passport from XXXX ( I am XXXX  XXXX  in the USA and eligible for applying XXXX in next XXXX ). During this time, I consulted with my father who was out of country for an important work and explained the situation. He recommended me not to go further with XXXX XXXX because they do not have experiences sending students abroad because they never talk about VISA. I also came to know that getting XXXX VISA for XXXX Passport is not easy and I had to apply two months in advance. At the same time, I was also not feeling well due to unnecessary pressure of internship. 
Finally, I sent an e-mail to the organizer saying that I am not going for the internship due to my medical reason and asked me to return by advance payment of USD XXXX. 

Instead of returning my money, they forced me to pay internship expenses of USD XXXX. Three weeks back, I got a call from phone number XXXX ( XXXX ) XXXX. I also received letter of dated XX/XX/2019 from Cedars Business Services ( it seems from the letter that this is debt collector ) for the money again last week. I felt really bad about it and decided to request your help to refund the money I paid in advance. They have also started calling my father for this issue and he has been mentally disturbed because he did not do anything except his advice to me regarding the internship. 

It would be highly appreciated ; if could give your expertise advise. Your action to save me this unnecessary hassle will help me to pursue higher education for building a strong nation. 

If you have any question, need further clarification, I will be available to meet you in your convenience time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
SYNCBXX/XX/XXXX Credit Card Last reported XX/XX/XXXX Payment details XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX -High balance {$420.00} Times XX/XX/XXXX days late XXXX Account details Account number XXXX Account type Credit Card Account condition Closed Date opened - Responsibility Individual Limit {$2500.00} Creditor info Lender SYNCBXX/XX/XXXX Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, FL XXXX I put a note on my credit report that my id had been stolen they closed the account saying there was fraud and I explained everything they said there was nothing to do even though it was hurting my credit report. This was a fault on their action, not mine, i did what I was supposed to do

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 2023-05-31
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:
After reviewing my credit report I have discovered erroneous information that are not associated with me. I did not authorize the reporting of this information on my credit profile, and it is significantly impacting my life. I kindly seek your assistance in resolving this matter promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE A 30 DAY LATE PAYMENT THAT IS WRONG I MAILED LETTERS IN TO THE CREDIT BUREAUS BUT NEVER HEARD BACK FROM 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 2021-07-29
Company: CITIBANK, N.A.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This company keeps calling me for a credit card debt and I have never had this consumer credit card in my life. They said they are filing against me at the courthouse, they told me to stop being a deadbeat and running away from my responsibilities and just pay the debt. They refuse to give me the dates of any transactions. I am XXXX XXXX XXXX and this is making me very upset. They call everyday non stop!

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 2022-12-09
Company: EQUIFAX, INC.
State: FL
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: CCS Financial Services, Inc.
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: Account status incorrect

Complaint:
Credit Collection Service is reporting a debt on my credit file that I do not owe. I paid this account the moment I found out about it since I never received any mail from them or a phone call. This violates my 30 day right to dispute under the FCRA and the FDCPA. I am aware that Credit Collection Services report to the bureaus as they deem necessary since they are the furnisher. If this is not removed, I will have no alternative than to exercise whatever rights and remedies we have under the law to enforce the removal of this account.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I made a payment on my credit card on XX/XX/ of {$2200.00}. The disclaimer says the following " transactions submitted before XXXXXXXX XXXX ET with today 's date will be processed and credited to your account immediately and can not be edited or cancelled. '' It is now XX/XX/ and they have only released half of my payment in the amount of {$1100.00}. This has caused an immense amount of distress. I have rent and other bills that were due yesterday and I was unable to pay them because Truist placed a hold on my funds. I asked them why and they said it was because they can. The money is no longer in my checking account but it's not on my Truist card either. Something similar happened last month but they released it in about 2 days still delayed but not like this month. The delay last month caused my statement balance to exceed my credit limit and has impacted my credit rating. This is not fair and should be reversed. It is also not fair that I have to now suffer the consequences of late payments and the distress I have been experiencing due to these unfair practices. When I called Truist to ask why they simply told me because they can, which isn't a reason. If they have the money why is it not available for me to spend? That has never happened with any other credit card I have. They also said I could escalate the issue but that would still take 1-2 business days. I am filing this complaint in hopes of a fair recourse and prevention of anyone else having to deal with this level of stress.

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 2023-09-12
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting 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 USC 1681. 

Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 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 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 2023-11-01
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Wrongful amount owed Settlement was offered and paid. 
Still contacting me saying I didn't pay I don't owe no {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

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 2023-03-20
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that are negatively impacting my credit score, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). 

Specifically, the following accounts and inquiries are questionable or unauthorized, and I request that they be clarified or removed immediately : XXXX XXXX XXXX, Account Number : XXXX - I question the name and number of this account, which may be inaccurate or incomplete. Under FCRA, I have the right to request that inaccurate or incomplete information be corrected or deleted from my credit report. 

XXXX, Account Number : XXXX - I question the name and number of this account, which may be inaccurate or incomplete. Under FCRA, I have the right to request that inaccurate or incomplete information be corrected or deleted from my credit report. 

XXXX XXXX XXXX, Account Number : XXXX - I question the name and number of this account, which may be inaccurate or incomplete. Under FCRA, I have the right to request that inaccurate or incomplete information be corrected or deleted from my credit report. 

XXXX XXXX XXXXXXXX, Account Number : XXXX - I have no recollection of this account and believe it to be frivolous, which may be in violation of FCRA. Under FCRA, I have the right to request that fraudulent or unauthorized accounts be removed from my credit report. 

XXXX Inquiry, Date of Inquiry : XX/XX/XXXX - I did not authorize this credit pull and demand that it be removed from my credit report, which may be in violation of FCRA. Under FCRA, I have the right to request that unauthorized inquiries be removed from my credit report. 

XXXXXXXX XXXX, Account Number : XXXX - I do not recall ever being associated with this unfamiliar company and question how this account is being continuously verified, which may be in violation of FCRA. Under FCRA, I have the right to request that inaccurate or incomplete information be corrected or deleted from my credit report. 

I request that you investigate these items and provide me with a written response detailing the actions taken to resolve these disputes within the time frame set forth by FCRA. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Citibank checking account was blocked the following day after I deposited a check into an ATM back on XX/XX/2021 for {$18000.00}. I thought there must be a mistake since the check is good, so I called Citibank 24/7 phone line for help. The representative told me that my check deposited was automatically marked as suspicious by the fraud system, which is ridiculous. I explained to the rep that check is legitimate, gave him the check issuer 's name, purpose of check, and told him to verify it as soon as possible. However, the rep informed me that he was not able to know the exact time when the review process will be over, and told me to wait. This is what got me irritated. This can be done in a day or two, yet the bank still held all of my money with no access to my account for weeks. This is a shady policy that must be addressed so that is why I am filing a complaint here at CFPB. I have never been treated this way depositing checks at other banks. I have multiple banks so it will not hurt me much, but for those other customers who rely on the fund to pay bills then this can be a disaster. 

If I do not see my account block be removed soon, then I will be putting my money elsewhere. Such immoral policy to hold a check fund for so long with No access to bank account for normal activities.

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 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I ran my credit report on XXXX XXXX XXXX for all 3 company 's and discovered Identity Theft occurred. I was not able to download my XXXX and Transunion report b/c of technique issues I was having. I found I have an unauthorized account that was recently charged off to collections named XXXX  XXXX opened on XX/XX/2022 and charged off and sent to collections for the amount of {$3700.00}. ( see attachments ) I was only able to down load the XXXX Report but it does not show the loan from account services. 

I need to do a credit freeze, and dispute the loan that is on my credit report. I also need my full credit report from all 3 companies b/c they are all showing different things. I am a victim of Identity theft and need to resolve this asap but I am unable to do anything b/c I can not speak to a real live person and I am locked for not having the correct information when requesting it from the other 2 major credit agencies. 

XXXX XXXX XXXX Transunion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-11
Company: EQUIFAX, INC.
State: OH
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:
I am submitting a complint due the the fact the there are serious error and questionable items on my credit report. First my name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX, OH XXXX My DOB XX/XX/1991, my SS is XXXX the following address is not mine please delete the XXXX XXXX XXXX, XXXX , OH XXXX. I have a unverified account that I have never done business with this company XXXX XXXX # XXXX XXXX   # XXXX, XXXX XXXX # XXXX. There is an account that was paid in full and should have been delete as part of the arrangement XXXX XXXX # XXXX this was not honored please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: GA
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:
I have asked Equifax several times to properly do an investigation and it has been more than 30 days and THEY CAN NOT FURNISH ME THE CONTRACT THAT I HAVE BETWEEN THEM but are constantly reporting it on my consumer report as Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX In According to 15 U.S. Code 1692g - validation of debts. According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681 ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( it ) the information is, in fact, inaccurate. In I have showed them multiple times of how they are keep violating the Fair Credit Reporting Act. This is hurting my future and I wish someone would hold them accountable for this improper reporting on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
BANK OF AMERICA continued to contact me without my consent in reference to the collection of an alleged debt obligation. The numerous harassing phone calls at inconvenient times continued even after I initially request that you cease all communication with me in reference to the collection of an alleged debt obligation on XX/XX/2021. 

BANK OF AMERICA further continued harassing me by contacting me without my consent via multiple emails with obscene and threatening language. Within these emails, you discriminated against me by denying me credit because I have in good faith exercised my rights. This behavior is unacceptable, unethical, and against the law.

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 2022-05-02
Company: Experian Information Solutions Inc.
State: VA
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:
The following company never proved their methods of verification through several stages of written credit disputes : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXXXXXX XXXX  The letters that were sent out are as follows : dispute letter 1 -- mailed on XX/XX/XXXX and received on XX/XX/XXXX dispute letter 2 -- no response letter mailed XX/XX/XXXX after over 30 days of no response dispute letter 3 -- VIOLATION OF FCRA RIGHTS DISPUTE LETTER # 4 mailed XX/XX/XXXX after 30 days of no response or correction to the credit reports. 

the credit bureaus all failed to respond within the proper timeframe and also failed to prove their method of verifications on how they " verified the information as accurate '' according to my most recent credit report that I obtained through myfico. 

No response from any of the credit bureaus within the given timeframe nor the companies. the companies have also tried to contact me illegally during this timeframe which is illegal to do in accordance with FCRA guidelines when disputes are underway.

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