BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-22
Company: NRA Group, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am a federally protected natural person who is living and breathing. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable with fines and jail time. Additionally, these misstatements are punishable as perjury. This account found within my credit report is not related to any transaction that I made. I have reached out to this company on several occasions to get them to verify the accuracy and validity of this account. They have failed to respond with any adequate documents showing any evidence that this account was indeed created by me and that the amount they are reporting to my credit report is accurate. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown unverified account on my credit report without doing a proper investigation of the account first. This has caused me to suffer by being denied access to credit, not being able to take care of my family, and its defamation of my character and credit.

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 2022-06-11
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 XXXX  account # XXXX 15USC 1681section602A States : I have a right to privacy 15USC1681 604A section 2 : Also states a consumer reporting agency can not furnish a account with out my instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: FIRST ADVANTAGE CORPORATION
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2023 I wasn't notified of any negative information on my report but I decided to call in and get the status of my report seeing as the HR department had already received my report. When I went to review the information on the background check dashboard a few items were disabled and none of the information told me anything about what my background check entailed.

So that's when I called in. Turns out they weren't following the local background check laws on reporting. 

So I filed a dispute for my background check, because under local laws in Kentucky pending cases are not reportable. I asked for updates regarding the dispute and was on hold for a total of 12 hours between the 3 days. As I am typing this It is now XXXX and I am still on hold with some customer advocacy department. The department refused to tell me if they had disclosed the background check results yet ( which they denied they did already turns out they said they did ). I couldn't figure out what part of the background check process I was in. At the end of the call before I was put on hold again for the 10th time to be transferred to a different department of which this was 4 different departments I was asking for information on why the company refused to follow Kentucky laws. The only thing I was told over the phone that it was denied and client adjudication was the reason? I don't even understand what that means? Do they mean their internal processes or the processes of the empoloyer preempt local laws? I even sent them a link and a screenshot of the state law. They refused to elaborate further insisting I be transferred back to a different department. 

I just don't understand what reporting agency isn't required to follow local laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
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: Information belongs to someone else

Complaint:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-01
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I applied online to Citibank to open a checking account. I filled out all applicable information and was told I'd get a decision in the mail. On XX/XX/19, I received a denial letter from Citibank stating they couldn't get past my credit alert on my XXXX report. My current telephone number is on my alert to verify it's me applying for accounts. The Citibank customer service rep stated the back office needs the alert removed on my report. I told them my current information is also on the alert to verify it's me. Every other company has this policy to proceed. The CSR couldn't say. I think this is ridiculous as It takes weeks to write to XXXX and remove it. I believe Citibank is discriminating against me and not recognizing what all other companies 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 2023-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Best regard The following complaint is to make a complaint to Bank of America and the Visa Unlimited Cash Rewards Credit card, since they have been charging me dishonest and unjustified interest. 
They granted me credit on a card that currently has its last 4 numbers ending in XXXX since they decided to change the card number during the year of use. The agreement established with XXXX XXXX XXXX was that they gave me the credit card with XXXX interest payments for 18 months. 
I started using the card on XXXX XX/XX/XXXX and the agreement was for 18 months, meaning that the term should have been met on XXXX XX/XX/XXXX ; but they decided to start charging me interest on XXXX XX/XX/XXXX in the amount of {$140.00} when in reality the agreed period of 18 months was due on XXXX XX/XX/XXXX. Given this, I decided to make a claim to the Bank, but they told me that the system did not allow them to return the money, because supposedly, according to them ; The deadline had already ended and that in the course of the days they would decide what to do, so I waited patiently without any result. 
Then I had to desperately get the money and decided to completely pay the card debt with a balance of {$6100.00} on XXXX XX/XX/XXXX and I did this with one month left of the promotion I had to use the card without any interest. 
But this was not dishonest enough for Bank of America and its Visa card, when I had already paid my debt in full, they again charged me interest of {$100.00} on XXXX XX/XX/XXXX to which I felt attacked and made another claim for their dishonest treatment, to which they responded in the same way as what was previously mentioned. 
So I felt so humiliated that I decided to close my checking account after 13 years of having an account with them, and they didn't care at all about how loyal a customer I had been. I changed banks, of course still leaving my credit cards open, but as much as possible today I try to use them very little. 
Then on XXXX XX/XX/XXXX I paid the dishonest amount that they had charged me in the amount of {$100.00} so as not to have any other problems with this card. 
Due to the aforementioned, I have decided to go to the CFPB to help me recover what belongs to me and not let these entities get away with this and continue committing this type of fraud and deception. What exactly I am asking for is that the two charges for unjustified interest charges of : XXXX XX/XX/XXXX {$140.00} and XXXX XX/XX/XXXX {$100.00} be returned In total it would be {$250.00} which I ask to be returned to the card as soon as possible. 
thanks for your help

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 2023-09-22
Company: TRANSWORLD SYSTEMS INC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
XXXX sent me XXXX different emails. One for myself and 1 for someone. They are disclosing people 's personal information. This violates privacy for me and other persons information they sent me. They should also reach out to the customer in which they sent me their private information. This debt they are collecting is also more than XXXX XXXX XXXX. No letter or itemized statement has been sent of this debt to me XXXX people involved XXXX XXXX # XXXX XXXX XXXX # XXXX See attached email company sent me with the information

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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 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 non-monetary relief
Consumer complaint received 2019-05-07
Company: Live Well Financial, Inc.
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My name is XXXX XXXX, XXXX, I work for XXXX XXXX XXXX  out of XXXX, WA. On XX/XX/2019, I secured financing for my clients through LiveWell Financial ( loan ID # XXXX ) for a purchase mortgage, locked the interest rate at 3.625 % on a 30 yr fixed rate and submitted the documentation for loan approval. 
On XX/XX/XXXX I received an email from this company confirming they were ceasing operations and that our borrower had to obtain financing elsewhere. The locked interest rate of 3.625 % was no longer available. 
Please see signed disclosures, particularly the lock agreement ( page 28 of 60 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Self Financial Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This issue started around XXXX or XXXX XXXX XXXX I have called Self several times and disputed these charges. Instead of protecting the consumer SELF held me responsible for the charges. This has been an ongoing issues even after me replacing my card 5 times. I have called the merchant directly and being that the charges was not made from my account they could not locate the charges. I even asked if they could search the last 4 digits of my card and find the person who charged the card ( something that should have been done by SELF during the dispute process ). No one has been able to help me so I got a new card and never activated it. I got my new card in XXXX which was the last fraudulent charge. I literally activated my card on or around XX/XX/XXXX. Today is XX/XX/XXXX and my card has had another fraudulent charge. I have come to the conclusion that SELF is not protecting the consumers. Even after numerous calls and emails and me having to replace my card, SELF has not put any security in place to stop this merchant from continuously charging my card. At this point this is a security risk and until SELF put better security measures in place to protect consumers they should be held responsible for consumers having to go through being exposed to fraud. If my card information can keep getting hacked then SELF isn't protecting my personal information as well. If a financial institution can't protect the consumers then the service should not be able to operate. Per the phone call I had with the rep from SELF today even if the charges are fraud the merchant doesn't have to pay it back, which is what happened to me on the previous charges. If my account and personal information cant be protected by SELF and the will not update their security measures, I will seek further action. It is not okay for a company to expose consumers to fraud or possible identity theft. I am not the only person going through this with self and I would hate to have to be apart of a class action suit but something needs to be done ASAP! I have also attached a photo of SELF so called disputing the charge but turned right around and took the funds back, leaving me liable for another unauthorized purchases!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: BARCLAYS BANK DELAWARE
State: TX
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:
On XX/XX/2022, I manually paid my credit card balance on-line. The payment was also auto -paid on the same date, resulting in a double payment of the same amount ( {$7900.00} ). Subsequently, when I realized what had happened I assumed that the over-payment would be used to cover my next purchases made with my credit card. This was not done, as I realized in the next billing cycle when my balance was unaffected by the residual money. I called the company and informed them, and was told by their customer service representative that the amount of {$7900.00} would be refunded back to my bank account in 2-3 business days. I was given the case # of XXXX. I waited two weeks of no refund being given and then called the credit card company again. They told me that the case was " in process '' and could not tell me how long it would take to be resolved. They told me to call back in a week if there was no resolution. After 2 weeks of still no refund, I called again on XX/XX/XXXX, was told that I needed to speak to someone in the dispute department which was closed, and was told to call the next day during business hours. The next day, I spoke to XXXX XXXX XXXX, XXXX # XXXX, who assured me repeatedly that she would e-mail me a response to the dispute in 24-48 hours from then. That never happened. On XXXX XXXX, I again called the credit card company and requested to speak to a supervisor. The supervisor, who told me only her first name, XXXX, said that disputes are not addressed until up to two billing cycles from the time that the case was opened. This seemed ridiculous to me for something that was obvious ; the double payment appears on my billing statement as well as a withdrawal from the company from my checking account. I asked XXXX to escalate the issue and let me speak to someone higher ranking, and she hung up on me.

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 2023-05-27
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: Information belongs to someone else

Complaint:
Im 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 is the list of items which do not belong to me or were opened without my permission. 
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 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 {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XXXX XXXX XXXX notified me about a credit card application to XXXX XXXX XXXX XXXX I did not apply for a XXXX XXXX XXXX XXXX. XXXX assisted me and we called the merchant. I reported identity theft and requested the application be cancelled and my credit inquiry be removed from my credit report. XXXX XXXX made me notify a credit provider ( I picked Trans Union ) and I filled out the 1 year fraud alert and now XXXX XXXX has sent me a letter stating I HAVE TO GET A COPY OF THE POLICE REPORT EVIDENCING THE CLAIM OR IDENTITY THEFT OR A PROPERLY COMPLETED COPY OF THE IDENTITY THEFT REPORT BY FTC AND A PAYSTUB OR W2 FORM, BIRTH CERTIFICATE OR DRIVERS LICENSE. 

I want this inquiry removed from my credit report! 
XXXX XXXXXXXX XXXX  is ridiculous and NO help! 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, SD 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 2022-01-06
Company: ACIMA CREDIT, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
for several months I have a problem of fraud and identity theft, and had to make several police reports and ftc also reported fraud alerts in my credit reports, this anima credit account is not mine, it is a fraudulent account that this company with an amount of $ {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have been a victim of Identity Fraud. Some thief opened a XXXX XXXX card in XX/XX/2023 with my social security number attached to it. I recently found out about it at the end of XX/XX/2023 when my XXXX card I have in my possession was closed. I received a letter and called the customer service dept to inquire about what happened to my acct. I was then informed about the XXXX XXXX. I quickly informed them I have not opened a XXXX XXXX  with XXXX. I was informed about the fraudulent charge total, the incorrect email address on file, the incorrect mailing address and the incorrect phone number attached to this XXXX XXXX. I later called back to confirm if this account was also closed along with my original and my only account I ever opened with XXXX. I was told it would take up to 90 days for an investigation to be processed. I have sent them a certified letter with an identity fraud affidavit, police report, credit dispute letter, FTC complaint letter and identity theft report.

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