BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been having trouble getting an account reported correctly. I disputed the account and each time the investigation says that the item is correct but the amounts owed are changing by {$1.00} every day for the past few days until finally, it has dropped my score by 8 pts. It was updated on XX/XX/XXXX, which dropped my score 8 pts, then updated twice on XX/XX/XXXX, which didn't change my score but dropped the balance owed by {$1.00} and then again today ( XX/XX/XXXX ) it was updated and dropped my score another 8 pts. All of these actions were taken on my XXXX  report. This account I disputed was on a secured card. I paid {$3000.00} down on this card. My balance shows {$2800.00}, but they are stating they charged off {$120.00}, which they didn't. The account was closed because I lost my job and couldn't pay and the balance due was under my credit limit at the time. I closed the account myself and the credit card company is reporting that they closed it on me. Not true. Plus I do not owe money to these people. They have yet to send me proof that I have asked for to validate the debt. I have disputed it several times. I want this resolved.

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 2023-08-28
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-09-11
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: GLA Collection Company, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello GLA Collection Company, This message is in response to an itemized list you provided. I am allowed under HIPAA Law ( Health Insurance Portability and Accountability Act ) to protect my privacy and medical records from third parties. I do not RECALL giving permission to GLA Collection Company access to my PRIVATE HEALTH INFORMATION. The form you provided does NOT include my signature and consent to release private health information. This is a violation that allows me to seek damages. I expect GLA Collection Company to be removed from my credit report with all 3 agencies ( XXXX, XXXX, XXXX ). All Accounts are listed below : GLA Collection Company GLA Collection Company Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX Account On Credit reprt is to old to be On my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I am the primary caretaker of my parents, my father has XXXX and my mother has XXXX. Peoples bank on the XXXX XXXX in XXXX allowed someone to cash checks stolen from our mailbox. I found the fraud when I went to the bank to get on the account so I can do their online banking through the peoples app. We filed a police report, the case # is XXXX at the XXXX police department. Officer XXXX handled the case. Peoples allowed the same person to cash checks from places like XXXX XXXX and XXXX XXXX, so I fear it may be an inside job theyre trying to keep quiet. Were out around {$3600.00}, and my mom cant afford her medicine. I dont know what to do, they said it could take up to a month, but my mother may not have a month. The bank representatives have been no help, and the laziness of the branch working with corporate has ensured this gets dragged out. PLEASE HELP. Our utilities check was stolen and we may get our water shut off soon because one of the checks that was stolen was from the water company XXXX. 

Sincerely yours, XXXX XXXX XXXX XXXX. 
Ima available any time at XXXX, and by email at XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-11
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have always had excellent credit. 
Since the 2006 housing market crash banks have been chiseling away at all low interest cards. I had all fixed rate cards at 7-9 % interest. They have all converted to variable rate cards ( NOT BY CHOICE ). Same card numbers and now at 16-19 %. 
My credit score was only lowered because Obama 's bank bail out changed how credit scores are done. 
With the current covid issue the banks have not even stepped up to lower rates, I had already called all of my credit card companies and was able to reduce interest by 4 % for 6 months, before the covid issue, but have to call them every 6 months to have the reduction redone and then it takes a month to kick in and then repeat every 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am writing to file a complaint against Experian. 

I have written letters on XX/XX/2020, XX/XX/2020 and XX/XX/2020 requesting XXXX XXXX XXXX XXXX be deleted from my credit report because it is inaccurate and unverifiable. I provided documents that prove this account is inaccurately reporting on my credit report and this credit bureau keeps responding that it is verified although it continues to report inaccurate information and inconsistent information across all 3 credit bureaus. 

I requested that Experian provide me with documentation under the FCRA to verify that this information is mine and is correct and the method of verification. Experian has not provided me with any documents that they have used to verify the accounts and continue to ignore the records that Ive sent. Experian continuously ignore the FCRA and I need your help with enforcement. I have highlighted and disputed the inaccurate information highlighted on the attached document. 

Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with Experian to date. 

I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. 

Thank you for your assistance.

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 2020-12-02
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My name is XXXX XXXX and I contacted Syncrony Bank via online chat on XX/XX/20 and I chatted with an agent that first off did not provide their name and that advised that I had to enroll in e-statements in order to view previous statements. The representative in my opinion was robotic and scripted. I felt that I was forced to enroll in e-statements instead of just being able to view previous statements whenever I wanted.

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 2021-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, XXXX XXXX, XXXX the also have records of file the are wrong.

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 2017-12-10
Company: STERLING BANCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX SOCIAL XXXX I USED TO HAVE AN ACCOUNT WITH XXXX XXXX, NOW NAME STERLING XXXX bank, located XXXX ny. what happened was that my account was only negitive XXXX dollars then all of sudden the bank closed my account unlawfully and started to charge me a ton of overdrafed fees even when the account wasv closed, i just owed them XXXX dollars, but my balance went up to over XXXX dollars. i talk to them several times to explain that the balance is wrong please credit the incorrect balance and they refused to remove those unlawful fees. off my account and they got so nerve to send my account to an attorney, also the bank is trying to used muscle on me by imtimadating me please have XXXX XXXX now sterling bank correct my balance so that i can pay the negitive correct balance the manager that works at the XXXX XXXX branch is a XXXX .also my job is next to the bank, when the workers get off of work they take the train next to my job where i work and look at me strange like their imtimidating me because i owe the bank money, like the manager and the other workers also talk to each other and look mad at me and then get on the train while im cleaning it. to me thats illegal, there cameras where i work showing those workers get on the train when their going home from the bank. the only was im going to pay this balance is when they credit the balance to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I did not receive my bill for my Old Navy CC and called for my account number so I could make a payment on line. For some reason, this happens often. I know it's due around the XXXX of each month. I called the number listed by Barclay 's Bank to make a payment and received a recording. After several personal questions, the automated voice said they located my account and were transferring me to a member of their Team. The person on the Team asked me again for my complete SSN, date of birth, etc.and then said they couldn't locate my account and was I sure I was calling the right number. I asked who I was speaking to and he said XXXX XXXX XXXX. He said they had no record of any account with me. I called another number for Old Navy payments and went through the same process only I didn't answer any more questions because it was the same person I spoke with before. I am upset because I have no idea who I gave my confidential information to. I called Barclay 's Bank directly and explained these calls and was disconnected. She said she was refreshing my number and then the call ended. I would appreciate any assistance you may e tend as I do not intend to make any additional payments to Old Navy. I closed the card over a year ago and just paying off the balance at a high interest rate. Numbers called were XXXX, XXXX and XXXX. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: Conn's, Inc.
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have advised Conn 's that the number of times they are calling me a day is far beyond excessive and at this point is harassment. I spoke with 2 managers on separate occasions that assured me the calls would not continue, there is a reoccurring monthly payment scheduled and Conn 's is asking me to set up a payment which has already been done. I am being called 6-7 times a day every day at all times of the day. I quoted there is a FDCPA regulation that strictly prohibits to call as many times. Two months ago I spoke with a rep and explained when the payment was being made she hung up on me and then another rep called within 30 mins asking me the exact same thing. That is the first time I spoke with a manager. I'm at work when a majority of these calls come in and this continuous badgering can cause me to lose my job. I need help! Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 

15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

These accounts were opened fraudulently 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 2023-02-02
Company: McCarthy, Burgess & Wolff, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I purchase a cell phone and had service. After a few days I returned the phone canceled the service and was given a FULL refund. The account was closed and fully satisfied. Then I get get a notification that I'm being sent to collections for {$69.00} from XXXX. I went in to a local XXXX store and spoke to a XXXX who looked at the account and told me it was fully taken care of and this was an error on XXXX side but he couldn't do anything becouse it had already been sent to collections. I do not owe this debt and it is negatively affecting my XXXX XXXX. I want I resolved immediately please. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
On XXXX XXXX, I deposited a check from work for {$5000.00} into my checking/debit card account at Bank of America. All monies were then deposited into my account and posted on my active balance. Two day later on XX/XX/2020, I went my massage place which I have been to before and new issues. However, on this date, I was charged {$5500.00} for a massage that normally would only cost around $ XXXX! Upon, my recipt which showed the accurate amount, I was later charged the edited amount on my Bank of America Balance of {$5500.00}. After calling Bank of America, and being handed over the phone to 3 different bank agents, I was told that there was nothing they could do. I also called the Massage place that charged me the {$5500.00} and they refused to removed the charge and gave an excuse that they did not want to remove the charge because they would lose a 2 % card fee for my transaction! Therefore, I am formally sending out my complaint because both my bank and the merchant are unwilling to rectify the incorrect charge, and in essence, steal over {$5500.00} from me! While this amount does not see like a lot to Bank of America, this is a very large sum of money to me and I actively depend on it for my livelihood especially during the COVID-19 Pandemic! Please if you are able to get either the bank or my merchant to actually fix this fraudulent transaction and theft of my money!

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 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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
Consumer complaint received 2020-10-01
Company: Receivables Performance Management, LLC
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2020, I noticed that a new collection account was added to my credit bureau. I contacted the collection agency listed, Receivable Performance Management, and let them know that this " collection '' had been paid years ago. 

At the time, I had had numerous problems with XXXX, to the point where I had written letters to the headquarters regarding incorrect overcharges on my account. XXXX had once refunded me more than {$200.00} because I ( finally XXXX noticed they had been charging me every month for a streaming service I did not have. They also had to refund me money for some type of insurance that I never requested. Insurance that I had, in fact, denied at the time of purchasing a phone from them. Apparently the sales agent added it anyway. 

After years of headaches with XXXX, their inaccurate billing and awful customer service, I decided to go to another phone company. When I attempted to do so, I could not, because my phone was " locked '' by XXXX and I had a balance on my account with them. In order for me to have the phone unlocked, I had to pay the balance in full, which I did. 

I sent the collection agency the only proof of payment that I have, which is the first email from XXXX stating that I owe money and they won't unlock the phone, and the second email from XXXX with instructions as how to unlock the phone -- sent to me because I paid the balance in full! 

XXXX was a nightmare to deal with and I have been overcharged and fraudulently charged by them on NUMEROUS occasions. I do not know what took me so long to leave them! I would be in tears over the hours it would spend and the hoops I would have to jump through to get someone at XXXX to resolve something. So now, after all these years of being free of them, I am LIVID that this is on my credit bureau. 

The collection agency said they contacted XXXX, and that XXXX refused my dispute. If I were in a position to do so, I would hire an attorney over this {$150.00}, have the entire transaction history examined, and in the end, it would likely show that they owe ME money. I was so busying working fun time and going to school in the evenings, I did not have time to analyze all of my bills. Being naive, I just paid it, until the day I realized that I was overpaying for things I didn't even have. 

Thus, if you are able to do so, I'd like you to see EVERY dispute that I had with them, EVERY refund they had to give ME, every emails or letter I had to send them, all the incorrect bills. I do NOT owe this money, and I wish I had the means to sue XXXX for putting a consumer through this! Please help me resolve this and remove this from my credit bureau.

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