BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-04
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, EMPLOYERS : XXXX XXXX ( NO JOB OF MI ) XXXX : # XXXX XXXX : # XXXX XXXX : # XXXX ADDRESS # XXXX XXXX XXXX XXXX PA. XXXX- THIS IS NOT MY ADRESS ADDRESS # XXXX XXXX XXXX XXXX  XXXX PA XXXX THIS IS NOT MY ADDRESS EMPLOYERS : XXXX XXXX ( NO JOB OF MINE ) EVER has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 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 non-monetary relief
Consumer complaint received 2018-10-24
Company: EQUIFAX, INC.
State: MS
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:
The following information is incorrect and should be either corrected or removed from my credit file. 

XXXX XXXX - incorrect name, XXXX XXXX XXXX - ( all accounts are suspected to be fraud ), XXXX - fraud, XXXX - fraud, XXXX XXXX XXXX XXXX - fraud ( 2 accounts ). XXXX - fraudulent inquiry, XXXX XXXX XXXX - inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
The following information is incorrect and should be either corrected or removed from my credit file. 

XXXX XXXX - incorrect name, XXXX XXXX XXXX/XXXX - ( all accounts are suspected to be fraud ), XXXX - fraud, XXXX - fraud, XXXX  XXXX  XXXX XXXX - fraud ( 2 accounts ). XXXX - fraudulent inquiry, XXXX XXXX XXXX - inquiry.

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 2023-05-04
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 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 2018-10-24
Company: John C. Heath, Attorney at Law, PLLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
they call me 3-4 times per day from many different phone numbers. i keep blocking the numbers and they keep coming up with new ones. I have asked them to stop and they just keep calling

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The collections on my account are fraudulent and collection companies do not match. Please remove these accounts as they are affecting my livelihood. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: Integrity Solution Services, Inc.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
A loan that I have for XXXX XXXX was transferred to Pinnacle Financial Group. I made a couple of payments via the web site provided. However, I never got a payment statement, a late payment notice or was shown a past due amount on the web site. So, I did not pay the note for a couple of months because I had know way of knowing if the web site was official, active or where my money was going. Needless to say, the principal amount was not being reduced by my payments. When someone finally made contact with me about my loan, I asked for a schedule to show how my payments were being applied because the principal remained the same. I found that even though this is a simple interest loan, my payments were being applied only to the interest with no principal reduction. This practice has continued as late as XX/XX/XXXX. It also happened on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I will never pay this car off at this rate and they have continued this unfair practice of not applying my payments to the principal and interest correctly or to schedule.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: Knight Adjustment Bureau
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
We are located at : Knight Adjustment Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX or XXXX Fax XXXX Email sales@knightadj.com The amount of {$560.00} was borrowed from XXXX XXXX XXXX XXXX  on XX/XX/2016. Due to financial shortcomings, the amount was sold to the 3rd party debt collector Knight Adjustment Bureau. On the original conversation, that took place within 6 months after the debt was sold off. Knight Adjustment Bureau demanded {$3000.00} and threatened legal action if the amount was not paid, and did so in a threatful manner. Them, not willing to negotiate, and not having the money at the time, I broke off any attempt to negotiate. Knight Adjustment Bureau, not willing to take " not at this time '' as an answer, they continued to call with -- what I believe to be -- the intention to annoy. Repeatedly calling even after I asked them to stop. It got to the point where I was receiving multiple calls a week, at times may per day. There conversations where very threatful with the intent to harass. All the evidence you need is in the recordings they make of all the phone calls if you can get it out of them. 

CFPB : for any follow up just email me with the email you have on file

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: CASHCALL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
This company charged off/sent my account to an attorney in XXXX of XXXX.. I received a letter from the attorney approx XXXX XXXX XXXX. I immediately called cash call because I was on a settlement plan and I made the XXXX XXXX payment the end of XXXX, I had to go back and forth with them for almost 2 weeks and submit proof pf payment etc ... finally on XXXX XXXX XXXX they claim that they got the account back from the attorney and I could start payments again. I got an email from them on XXXX XXXX at approx XXXX XXXX. This was XXXX. and It was a Saturday. I made the payment XXXX XXXX which was a Sunday and I thought we were starting payments from that point. I have been faithfully making payments ever month since then. I pay via money gram and I pay {$6.00}. In XXXX XXXX I happen to call and they said my account was charged off ... I said they was impossible and that was a mistake. I thought it was the same mistake from XXXX XXXX and that the rep was confused of they never fixed the mistake. So she said she saw the problem and it would be resolved ... I never heard anything since then I 've just been making payments every month. I pulled my credit report and it stated that the account was charged off ... I called because I was so shocked ... .Again I have been making payments faithfully every single month hoping to try to avoid charge off and bankruptcy only to find out this company has charged off my account off and I have been making payments faithfully ... They claim that when they talked to me on XXXX XXXX in the evening that I was told I had to make the payment that day ... Again this was Saturday and XXXX evening ... So they payment was made in less than 24 hrs and they are claiming that because of that the account was charged off ... remember they have been taking payments monthly and I have never received anything in writing stating the account was charged off ... They are taking advantage of me and paying games.. They are a predatory lender and I need some help please. They know that I have has some financial problems so they are taking advantage of me ... Please help I am so stressed out and do n't know what to do.Thank you XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$100.00} ACCOUNT # - # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT {$750.00} ACCOUNT # - # # # # # # XXXX, both of these creditors has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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 2022-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2022, I paid the ENTIRE balance due on my Capital One credit card of {$160.00}. After paying this, on XX/XX/2022, I was assessed ( unknowingly ) an interest charge of {$3.00}. On XX/XX/2022, I was assessed a past due fee on the " interest charge '' of {$3.00}. On XX/XX/2022, I was charged XXXX interest on the past due fee and the interest fees. On XX/XX/2022, I was charged another {$6.00} past due fee. And on XX/XX/2022, I was charged XXXX for interest AGAIN. 
THIS IS PREDATORY LENDING AT ITS FINEST. I PAID THE ACCOUNT IN FULL. MY BALANCE WAS XXXX. 

AND ON TOP OF ALL OF THAT, I NOW HAVE A LATE PAYMENT ON MY CREDIT REPORT FOR THE {$3.00} INTEREST CHARGE THAT WAS ASSESSED ON A XXXX BALANCE. 

I SPENT OVER AN HOUR ON THE PHONE WITH TWO DIFFERENT ASSOCIATES, THE LAST BEING XXXX, EMPLOYEE ID # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-29
Company: U.S. BANCORP
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
refinanced in XXXX  US Bank can not provide 1098s because they were purged from the system. Need them for XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX to file taxes. need to resolve as part of a divorce US BANK holds both mortgages

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 2018-10-24
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
i do not know this company and they are very rude and unprofessional. Please stop calling me for a debt i do not have

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
last thursday XX/XX/XXXX-2017 I made a deposit at the bank of america location in XXXX. I was informed that they were going to place a hold on the deposit. Well its been a week and now there saying its going to be 3 more days for a total of 9 days. This is really putting me in a bind. I am suppose to go out of town on business and I have no way to pay for my hotel because Bank of america wants to hold my depost. I have called bank of america customer service, i have went in to a location and spoke to a manager but so far they have been absoltey no help. I am incredibly frustrated with this bank. The company that wrote the check even said they could verify funds and bank of america customer service refused to let that happen. This has been one of the worst experiences I have ever had with any bank. One of their customer service reps even told me that i could go to an ATM and overdraft my account if i needed the funds.like what kind of company will do that. Bank of america deserves a very hefty fine over stuff like this.

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 2020-10-18
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
My CD matured on XX/XX/XXXX, a XX/XX/XXXX I called them on XX/XX/XXXX, a XX/XX/XXXX, to request the funds be returned. They said I needed to fill out a written authorization and that it needed to be mailed to me. No email or online option available to get my funds returned. 

I received the form on XX/XX/XXXX XX/XX/XXXX. It did not have a post paid return envelope like the letter said. I had to call ( second call ) to get the mailing address ( not posted anywhere online ). I mailed the form on XX/XX/XXXX, a XX/XX/XXXX I did not hear from the bank nor did I see a check cut by looking at activity on their webpage, so I called again on XXXX and asked status for funds being returned. They asked if I wanted a check mailed and I said I would prefer a ACH deposit. They do not provide that service so they said they would mail me a check. They deducted {$490.00} from my check as a penalty for not redeeming the CD during their grace period. 

Called XXXX ( third call ) and asked for a supervisor, explained the timing and asked that the {$400.00} penalty be refunded. Spoke with XXXX XXXX, Resolution Supervisor. She said she would call me within two days. Never heard from anyone.

Called again XX/XX/XXXX atXX/XX/XXXXon hold for over 30 minutes ( fourth call ) about status of check. I see online that they refunded the {$400.00} penalty. 24 days since CD matured! Spoke with XXXX again. She said she check on the problem and would call me back within an hour. 

Their policy makes it impossible for anyone outside of the XXXX area to redeem their CD within the bank 's grace period. It takes about two weeks to mail out a form, sign it and then mail it back to 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 monetary relief
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 16811. 

I waited 30 days and I haven't received anything. Here is my tracking number : XXXX. It has been over 30 days. 

And one more thing, they didn't even record the current status of the disputed information. 

XXXX, is holding me back from getting a house. This is very frustrating because I am trying to buy a house for my family but XXXX is doing its job according to the law. 



XXXX Account XXXX XXXX XXXX  Account Number : XXXX : XXXX Account XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX Account XXXX  Account XXXX, XXXX  Account XXXX Validate Account XXXX  Account XXXX XXXX. Validate Account XXXX  XXXX Account XXXX Validate Account XXXX  Account XXXX Validate Account XXXX  Account Number : XXXX Validate Account XXXX  Account XXXX Validate Account 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 2017-06-21
Company: EQUIFAX, INC.
State: MN
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:
XXXX PENDING XXXX/XXXX/XXXX XXXX/XXXX/XXXX ( Estimated ) Dispute confirmation XXXX is still showing as pending on the online dispute status tool. The work has been completed. I have called the Equifax dispute customer service who continue to confirm the work has been however they have no idea or why the online status information has not been updated. I was told that this is holding up alerts to credit monitoring. I have been transferred back and forth between the dispute department and the personal solution department and Equifax refuses to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX Inquiry XX/XX/2018 - Transunion and XXXX is reporting - This was an unauthorized inquiry not authorized by 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 2020-06-08
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 contact all 3 credit bureaus about these fraudulent accounts on my credit report and no actions have been taken. I will take legal action because this is just ridiculous. I've also contacted the FTC regarding these fraudulent accounts.

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 2020-06-08
Company: Kashia Services
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
My supervisor revived a letter claiming it was a garnishment but it was from a collection agency called XXXX. I have never heard of this collection agency and this debt isn't even on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Block, Inc.
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX XXXX $ was taken out of my XXXX XXXX account without my authorization and once again XXXX XXXX wont make it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRUIST FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened an account with Truist online I founded the account with {$50.00} The day after the account was opened my account was blocked. 
Truist stopped all credit and debits on my account and referred me over to XXXX XXXX XXXX. 
XXXX XXXX XXXX took a couple weeks to reach back out to me and finally I couldnt even see whats on my record. I went to the branch and the teller told me infront of other clients my account was closed on fraud. The banker stated she had to submit a form because I was asking her to refund XXXX msf that were charged on my account a total of XXXX . She said I shouldve opened the account with XXXX to avoid any fees. She said she would submit a refund form but never got in touch with me. I called customer service a week ago never got a call back. I just want my money back because I was charged for an account incorrectly.

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