BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-02
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account was closed due to a PPP loan being placed in my personal account. I, as long as MANY others, did not know this would cause such an issue otherwise i would've made sure to get a business account. Its been weeks and i haven't heard back about my funds nor my account.

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 2023-05-31
Company: EQUIFAX, INC.
State: TX
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 Follow-up 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 items 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 XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$5800.00} XXXX XXXX Bankruptcy Discharged Reference # : XXXX XXXX  XXXX Bankruptcy Discharged Reference # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-29
Company: Transfinancial Companies, Inc
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted Transfinacial Companies on several occasions via certified mail and regular mail requesting validation of this debt. The company responded sending me a itemized bill from the hospital however a HIPPA release form was never signed by me authorizing release of protected heath information to Transfinancial Companies. They did not send me proof of that or that they are legal business associates of the medical provider. I do not have or ever signed a contract with Transfinancial Companies and a itemized bill is not validating the debt. One can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Transfinancial Comapnies are in violation of the FCRA. I have attached the letter i sent as well as a itemized bill and Transfinacial Companies response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Ca XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Va XXXXXX/XX/2019Re: Acct XXXX Comenity Bank		Dear: XXXX XXXX   You are hereby notified under provisions of Public law 95-109 and 99-361, also known as the Fair Debt Collection Practice Act, that your services are no longer desired.Please remove me from you files and or computer systems.Cease & desist all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the State of California Attorney General’s Office. I will pursue all criminal and civil claims against you and your company.Let this letter also serve as your warning that I may utilize telephone recordings devices in order to document any telephone conversations that we may have in the future.Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to be by law.Best Regards.XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-30
Company: D2 Management LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I receive 4 phone calls on XX/XX/XXXX from Phone number XXXX stating that I have debt of XXXX on 3 accounts ( 2 accounts are from XXXX ) as I stated was discharged in bankruptcy in XXXX and then they stated I had a debt from XXXX and used email address XXXX ( and refernce XXXX XXXX ) at a XXXX XXXX ( XXXX ) in ohio. I asked for written notification and offered my address but they wouldn't take it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
While at XXXX XXXX on XX/XX/2021, I witnessed a cashier encourage a consumer to apply for a new XXXX XXXX card in order to get a 50 % discount on her purchase that day. The cashier and the consumer both acknowledged that the consumer already had a XXXX XXXX credit card but agreed that she should get a second one to get this discount. It seems like a terrible practice to encourage consumers to get multiple credit cards from the same store. It is not reasonable to assume the average American can manage multiple cards from the same store. It is more likely they will run up larger credit card bills by using both cards. XXXX XXXX should strongly discourage their cashiers from this practice. It is not in the best interests of their customers.

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 2021-01-24
Company: MoneyLion Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
From XXXX 2020 Money Lion took {$1000.00} from my checking account in {$200.00} transactions, 5 total. I would later discover a criminal used my identity to establish a Money Lion account in my name and withdraw the funds. Once I discovered this, I let my bank know and have been calling and emailing Money Lion with XXXX help in return from ML- I expect to be refunded as they allowed their service to be used for fraudulent activity and such an ineffective system to resolve account disputes. A company valued at a XXXX dollars that touts itself as a " Mobile Bank '' should be ashamed of such poor service. Most of my phone calls to ML are answered by overseas call farms that can barely speak XXXX or assist me much at all aside from assuring me I'll be contacted by the fraud department.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: Asset Recovery Group, Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I do not owe debt that is trying to be collected. I have already paid my medical provider, the payment has cleared, and I have received confirmation from them and my insurance provider that the debt is paid. I was sent to collections by error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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: Account information incorrect

Complaint:
I received XXXX XXXX XXXX XXXX adverse letter dated for XX/XX/2022. It states I was denied due to the inaccurate information received from the consumer reporting agency/agencies : TransUnion. 

Pursuant to 15 USC 1602 ( f ), The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. In regards to 15 USC 1602 ( f ), CREDIT IS MY RIGHT AS A CONSUMER!! 

On XX/XX/2022 I initiated a credit transaction with XXXX XXXX XXXX XXXX, where I applied & extended Credit by utilizing my Credit Card, as defined under 15 USC 1602 ( l ), The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit, card number ending in XXXX Credit was extended to XXXX XXXX  XXXX XXXX with my Credit Card XXXX card number ending in XXXX, in return for me obtaining a XXXX Tradeline or better defined as money under 15 USC 1602 ( l ) to purchase products and services from XXXX. Unfortunately, XXXX XXXX XXXX XXXX has violated my Consumer Right and failed to complete the credit transaction by not granting me the Right to defer payment as defined under 15 USC 1602 ( f ). 

In result of this adverse action, XXXX XXXX XXXX XXXX has also committed a federal crime by violating 15 USC 1602 ( p ) -The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. XXXX XXXX XXXX in-fact utilized my Credit Card, card number ending in XXXX, on XX/XX/2022, and XXXX XXXX XXXX, the cardholder- received no benefits from XXXX XXXX XXXX XXXX unauthorized use of XXXX XXXX XXXX Credit Card on said date and credit transaction .

In conclusion, pursuant to 15 USC 1691a ( 3 ) - Activities constituting discrimination, ( 3 ) because the applicant has in good faith exercised any right under this chapter, XXXX XXXX XXXX XXXX shall not discriminate against me because I have in good faith exercised MY RIGHT to Credit as defined under XXXX XXXX XXXX ( f ).

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 2020-07-20
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Account sold or transferred to another company

Complaint:
My HSN Credit Card was sold to Synchrony bank. Soon as Synchrony got my account the reduced my credit limit from {$1400.00} to {$180.00} without informing me or sending any notifications. My credit score dropped drastically because of this. My credit card utilization went through the roof and I was no longer able to make large purchases. I send them letters, emails and even called them. They were not willing to work with 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 2021-07-14
Company: EOS Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have request that they cease & desist all contact regarding the alleged debt. They are still sending me post cards via mails & I am still receiving phone calls as of XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
CAPITAL ONE BANK IS REFUSING TO INCREASE MY CREDIT LIMIT AND HAS ALLOW A FRAUDULENT TRANSACTION WITH XXXX TO PROCESS OF MY CREDIT LIMIT AFTER MULTIPLE DECLINE NOTICED REGARDING THE CREDIT LIMIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
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:
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. I told Equifax to reinvestigate these accounts : XXXX Account # : XXXX, XXXX XXXX Account # : XXXX, XXXX XXXX XXXX Account # : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-21
Company: Home Loan Center, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
please look at previous complaint XXXX and XXXX I feel like im playing wack a mole This is a debt that shouldn't have ever happen A XXXX XXXX   was taken out of the original loan that was canceled on the first business day after consultation Actually the loan was pushed thru before I left their office on the consultation day unknown to me I have a letterhead I assumed was sold to XXXX IN Which i thought i had settled the issue Then I got a collection notice from XXXX which was now the company trying to collect an illegal debt That was soon settled Now XXXX XXXX is trying to collect that same debt which is confusing more so on the original collection I have a letterhead that has XXXX XXXX   XXXX XXXX XXXX On the first collection The amount that was taken out should not have happen Loan was canceled on First business day after consultation Also It shouldn't be on my credit report because IT Was For a Medical procedure This is running my credit I have been very careful with my credit and havent paid a late bill in over! 0 years please help me clear up this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The ATM shut down at fifth third bank XXXX XXXX XXXX XXXX XXXX fl XXXX and did not dispense my cash, yet my account was charged XXXX dollars. This is my home branch and I pull the same amount from this ATM once a month. I opened a dispute and the funds were credited to me. 45 days later they reversed the credit. I asked for them to review security footage and was told they don't have any due to the machine being down. I received a letter stating the ATM was balanced and thats why my claim was denied but was told by a rep it was XXXX dollars short. They can not show me any evidence that I received funds. I contacted the teller XXXX while in the ATM drive through line to inform of the malfunction before I filed for the dispute. Now they have told me it will take an additional 30 days to conduct another investigation. I call daily to check the status and get different information every time, sometimes they even hang up on me. Camera footage would prove I did not receive funds and conviently they do not have it. They have no proof I received funds whatsoever but still hold me accountable for a malfunctioning machine. Seems to me I shouldn't have to prove my innocence, it should be the other way around. Never in my life have I been so upset with a bank, they have in fact stolen XXXX dollars from me and have no evidence whatsoever of anything otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, 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:
I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-11
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have this phone company XXXX they are giving me a collection that I owe them money and which I dont I paid off it was like seven years ago and I am dispute like two times but it didnt work so Im  complaining about that I dont owe any money for thatAnd before that they called me a couple times I was trying to explain to them and approve them that I paid off it didnt work also

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: VA
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:
Filed XX/XX/2016 Reporting of Bankruptcy court # XXXX, case # XXXX ( Equifax ) Dismissed/Closed Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
The reporting of this hasnt been verified that it was furnished by the bankruptcy court system. It was actually furnished by XXXX XXXX. If within this investigation it is determined that it wasnt furnished via the properly lawfully process, which is the bankruptcy court itself, I would like to request that this reporting is removed from my credit file immediately. If not I will be forced to file for litigation in court to have this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: TX
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 want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone was able to open a Capital One Debit Card in my name. I did not open this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Capital One has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Did not receive notice of the collection of this debt, nor did I receive any notice of being able to dispute this debt. This debt is showing as a negative remark on my credit report.

Company response to consumer: Closed with explanation