BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-06
Company: Experian Information Solutions 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:
US DEPT ED {$14000.00} US DEPT ED {$27000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) {$660.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) {$120.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) {$190.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) {$910.00} according to the LAW 15 USC 1292J ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k  of this title for failure to comply with a provision of this subchapter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-06
Company: Commonwealth Financial Systems, 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 ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING TRANSACTIONS OR EXPERIENCES AGAINST MY CONSUMER REPORT. REPORTING LATE PAYMENTS, CHARGE OFFS, AND/OR ALLEGED LOAN AMOUNTS CONSTITUTE TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THIS IS FRAUD. THIS ORGANIZATION HAD NO PERMISSIBLE PURPOSE TO PULL, NOR FURNISH, MY CREDIT REPORT BECAUSE, I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT, SO THEREFORE, THIS IS IDENTITY THEFT ACCORDING TO 15 USC 1681b ( a ) ( 2 ). AS A NATURAL PERSON, I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN BREACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: CITIBANK, N.A.
State: CT
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: Card was charged for something you did not purchase with the card

Complaint:
Went online to try to make a purchase for airline tickets XX/XX/XXXX, I was re-directed to another site. Once I noticed the site was not the correct website I backed out of the transaction. I immediately contacted Citibank and asked them if there was a hold on a transaction. The Customer Service representative advised me it was and no name or phone number was attached to the pending charge. I explained I was re-directed to a site that did not appear to be safe. The Customer Service Representative from Citibank advised me not to worry and the charge will not process to my account and another card will be issued and to a note will be attached advising of my issue. I called Citicard again to confirm and to see when the new card would be issued which was on XX/XX/XXXX and was advised my card was on the way. I made a purchase with the card with another merchant who immediately provided my confirmation of my purchase. On XX/XX/XXXX I received a letter from citicard with forms attached in regards to the merchant What 's Cheap. I signed the paperwork and mailed it back. I received another letter from Citicard on XX/XX/XXXXadvising me my dispute was overturned. I asked for a copy of the confirmation email from the merchant and proof of purchase, I called citicard on XX/XX/XXXX and was advised I can fax a letter to XXXX per XXXX ( see attached ) I called again on XX/XX/XXXX and was advised my fax was received per XXXX. I called again on XX/XX/XXXX I called per XXXX I need to write to the office of the President at XXXX XXXX XXXX XXXX ID XXXX escalated to a Supervisor XXXX and was told the Office of the President did not have a fax and to mail in the complaint. I have been getting the run around and I have fraud protection on my account. I can not contact the merchant since no phone # exists on the site you can only email. I have copies of other people complaints with the same merchant arguing this is a fraud company. I can not get this resolved with Citibank. Please assist. What 's cheap would not be a site I would ever make a purchase with and did not authorize this charge to my account. I did not authorize this charge to my account this is a fraudulent merchant and charge.

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 2018-01-03
Company: Waterfall Revenue Group
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The collection company is reporting 2 accounts to my credit report. One for {$200.00} and one for {$210.00}. Both from same original creditor. I have contacted original creditor and according to there records I have only had one bill ever with them and it was a workers comp claim when I was injured on the road and the total of that bill was only {$100.00}. The collection agency is attempting to collect double the money on 2 separate accounts. I have disputed the information and they say I have to pay it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: EQUIFAX, INC.
State: GA
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:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: WESTERN UNION COMPANY, THE
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021, I initiated 2 online money transfers via WU of {$2000.00} each, debiting my account at XXXX XXXX XXXX XXXX in favor of my wife in the XXXX. The amount of {$4000.00} plus fee of {$11.00} ( 2,000 plus XXXX XXXX ) was deducted from my account but, the money was never received by my wife. When I called WU, they explained that their Compliance Department stopped the transfer and that my account will be credited back. This never happened and I have sent various emails demanding the return of the funds. Until now which is almost 6 months, my money was still not returned to me. The funds came from our account at XXXX which was part of our retirement funds. I can provide documentation if needed. For identification purposes of the transactions, please quote XXXX XXXX and MTCN XXXX. 
Thank you. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A couple of weeks ago, I received an alert from XXXX and XXXX that my report was attempted to be pulled by SynchronoyBank/TJMAXX.  I immediately contacted the creditor and was informed that an application for credit had been requested under my name for an XXXX store card as well as TJMAXX store card. I was instructed that no further action would be taken since i verified that i did not authorize this.  I was never notified by this company to verify my identity although I have IDChecks on my credit agency reports. To my surprise just a week later, a TJMAXX card shows up in the mail in my name from Synchrony Bank at my home address.  I knew this was odd because I DO NOT have mail coming to my home address. Immediately afterwards I noticed that this account has now appeared on my credit reports against my knowledge.I spoke to an agent with TJMAXX/Synchronoy Bank to cancel this account as this is the result of fraud. She advised me that there were no charges on the account and she would submit a request to close it. However, she could not verify that this would be removed from my 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 2021-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Bank of America collected payments on my loan for years Never notified new servicer with XXXX XXXX or transferred account Bank of America gave bad loan mod and tacked o add'l {$75000.00} on my loan Was not aware of

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 2022-02-06
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A collection company by the name of XXXX XXXX  brought a alleged debt from sync/sync bank this collection company is violating my rights by reporting this alleged debt as a new account that was opened in XX/XX/XXXX when this account was open in XX/XX/XXXX with the original creditor this is not legal the according to the Fair credit act a debt collector can not report old debt as new debt it is supposed to obtain its original date of delinquency

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 2017-07-26
Company: AMERICAN EXPRESS COMPANY
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 will reference complaint XXXX AMERICAN EXPRESS AND TRAVEL RELATED SERVICES as stated in the previous above captioned complaint AMERICAN EXPRESS continues to fail in examining the facts surrounding my request for credit and removing this from my credit. I was given XXXX XXXX XXXX ( XXXX ) times by XXXX XXXX XXXX, XXXX TX. for the wrong diagnosis. The doctor is no longer with the firm. AMERICAN EXPRESS does not take my dispute/complaint seriously and just regurgitates the correspondence received from XXXX XXXX XXXX. A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to determine the actual cause of the problem. The doctor remarked that there would never be any improvement in the XXXX as a result of the XXXX XXXX done by XXXX XXXX XXXX as they XXXX XXXX XXXX XXXX. It is my opinion that after all my research and work that AMERICAN EXPRESS 's only concern is keeping a satisfied merchant. Further it is obvious that AMERICAN EXPRESS is ignoring the center of the issue and basing there explanation ( s ) on the fact that the charges are valid because the services were rendered. My dispute ( s ) are valid and AMERICAN EXPRESS needs to realize the validity of my claim ( s ) as the are not frivolous and have merit. Their merchant made a  mistake and should not be compensated or rewarded for malpractice. I have tried to reason with AMERICAN EXPRESS but to further prove their lack of concern, each time I call to dispute they refer my calls to collections. AMERICAN EXPRESS is now on their second collection firm, the first being XXXX XXXX and have now given it to another firm ( since XXXX  could not get anywhere ) to whom I have written and explained the situation and have asked them to cease and desist from calling me. Clearly AMERICAN EXPRESS is now harassing me. AMERICAN EXPRESS needs to do what is morally correct and charge back the merchant and remove this from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I worked at Macys I received a pre-pay account where I would load money onto the card before making a purchase now I do not work at Macy 's and I 'm getting billed for the remaining of the balance on the card that I never paid off. it 's a balance less than {$100.00} and I 've been paying $ 10- {$20.00} a month to get it paid off for the last three months now I get about 10 phone calls a day after I already spoke with the supervisor and told her to stop calling me they call me numerous amount of times at work and they call me as early as XXXX XXXX in the morning. Not to forget as I mentioned above I have been paying some money per month. It 's getting ridiculous at this point

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 2022-02-06
Company: CITIBANK, N.A.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
The beneficiary for a wire that I sent to XXXX is complaining after 120 days that the Citibank is recalling the funds that I sent to her. I had called the Citibank over 25 times from different parts of the world costing me a lot of money and time, but I need to solve this situation. The beneficiary bank is requesting a simple letter from Citibank showing and proving that there is no pending recall so the beneficiary can use the funds. In XXXX this type of recalls can mean imprisonment for the beneficiary but Citibank seems not to understand the urgency of this matter and the need of releasing the funds to the beneficiary because I am NOT claiming the funds back.

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 2022-02-06
Company: Remitly, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I'm unable to do nessesary changes ont the money send to a recipient to have changes to a different recipient. 
Contact remitly with issues and still unable to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection is unknown. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: EQUIFAX, INC.
State: PA
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 response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
An individual who had access to my identity used my information to sign a lease with a company operating under XXXX XXXX XXXX XXXX ' in XXXX , XXXX . This individual signed my name and used my contact and SSN to sign a lease which he ended up forfeiting and leaving. The lease began around the time of XX/XX/XXXX and was sent to collection around XX/XX/XXXX. The amount accumulated and sent to collection was around {$16000.00}. I began receiving phone calls last year and told the collection agency ( IQ Data International ) that they had the wrong information. When I looked into my credit, I found the exact details and filed a dispute to argue the charges. I was advised to file a report with the FTC and a police report. I sent a notarized affidavit of fraud and my report to the collection agency, but they did nothing to remove the negative account. They sent me a letter with a copy of the signed lease agreement ( which was signed fraudulently ). I had sent them proof of utility bills addressed to me which show a different address during the time that lease was in progress. Yet, they have not done anything and refuse to cooperate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
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: Account status incorrect

Complaint:
On XX/XX/2021 I reached out to XXXX  XXXX XXXX to remove a late payment reporting because of an error with my bank when my account was compromised. 

On XX/XX/2021 a representative of XXXX XXXX XXXX named XXXX reached out to me via email stating that they have removed the late payment from my account. 

On XX/XX/2021 I sent a follow up email to XXXX from XXXX XXXX XXXX stating that XXXX had not removed it and that each time it is disputed with XXXX, XXXX  XXXX XXXX marks it as verified and will not adjust the late reporting. 

On XX/XX/2021 XXXX from XXXX XXXX XXXX sent a follow up email stating that it has already been removed and they won't report on a request that comes from the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: Grow Credit 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: Account status incorrect

Complaint:
On XX/XX/2021 I reached out to Grow Credit Inc to remove a late payment reporting because of an error with my bank when my account was compromised. 

On XX/XX/2021 a representative of Grow Credit Inc named XXXX reached out to me via email stating that they have removed the late payment from my account. 

On XX/XX/2021 I sent a follow up email to XXXX from Grow Credit Inc stating that XXXX had not removed it and that each time it is disputed with XXXX, Grow Credit Inc marks it as verified and will not adjust the late reporting. 

On XX/XX/2021 XXXX from Grow Credit Inc sent a follow up email stating that it has already been removed and they won't report on a request that comes from the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: EQUIFAX, INC.
State: FL
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 have been attempting to place a credit freeze with Equifax do to their gross mishandling of my personal information. 

Their system via phone and internet methods, are reporting that credit freezes are 'not available ' when I attempt to activate my freeze. 

I called their customer service line at XXXX and was told that they are no longer offering credit freezes and I have to purchase their monitoring product. Florida state law allows me to have a credit freeze. They are breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
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:
My name is XXXX XXXX XXXX There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting 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 non-monetary relief
Consumer complaint received 2022-02-06
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
On XX/XX/2021 I reached out to XXXX XXXX XXXX to remove a late payment reporting because of an error with my bank when my account was compromised. 

On XX/XX/2021 a representative of XXXX XXXX XXXX named XXXX reached out to me via email stating that they have removed the late payment from my account. 

On XX/XX/2021 I sent a follow up email to XXXX from XXXX XXXX XXXX stating that Experian had not removed it and that each time it is disputed with Experian, XXXX  XXXX XXXX marks it as verified and will not adjust the late reporting. 

On XX/XX/2021 XXXX from XXXX XXXX XXXX sent a follow up email stating that it has already been removed and they won't report on a request that comes from the 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 non-monetary relief