BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opted out of overdraft protection. 

XXXX electronic checks were processed at the discretion of the overdraft department ; which resulted in overdraft charges being incurred. 

The first one I deposited money to cover the overdraft. They still charged me a fee. 

The electronic check was processed first ; causing other pending items to further overdraft my account ; transactions that occurred while I had a balance to cover them, before the electronic check was processed. Timing of the posting of transactions. 

I asked them to reverse the payment of the electronic check and they said they could not. I asked for a refund of the overdraft charges and they said they could not. I have attached a copy of the chat ; where the agent gave me an XXXX number stating to call that to speak to their supervisor and that number is to an automated system. 

I do not think that a department should decide to let my account overdraft or not. If I do not have the money to cover it then reject the debit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-31
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2018-04-15
Company: Clarity Services
State: NY
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:
I am a victim of identity theft. Several years ago my office was broken into and several identity documents were stolen. After the identity theft several accounts were applied for and/or opened in my name without my knowledge or consent. I filed a police report and have attached a copy of it to this complaint. I ordered my XXXX  report and found the inquiry below which was not authorized by me : Clarity Services on behalf of XXXX XXXX XXXX Date : XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a XXXX 's store card and had it enrolled in Automatic payments. I changed accounts and for several months I have been unable to update the account number for the automatic payment through the online website. Because of this I fell late on one payment during the month of XX/XX/2018 and contacting them is always a hassle. I don't think it's fair for their technical problems to cause a derogatory mark in my credit score. I paid off the account and will close it but I need to try and have this late payment wiped off as it was not my fault that the automatic payment could not be updated over the phone 's VRU. I can't even look at my statements online because I get the same error message. This has been going on for MONTHS.

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 2017-06-23
Company: Conn's, Inc.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been harassed by conns, specifically by a woman named XXXX. I have been having a really hard time with cash and have not been able to pay my bill since XXXX 2017. XXXX XXXX has been calling multiple times every day for three months now. I have told them many times I do not have money, yet they will call me hours later asking for the payment again. Today they called me four times. Three times after I told them I did not have money. They call my parent multiple times while they are at work, as well as other family members. I have asked then not to call my family especially because they bug them while at work, and my mother is a doctor and can not have bill collectors calling when I have told conns I can not pay. I have asked conns to send it to collections. XXXX today said " good people pay their bills '' implying we are not good people and making derogatory comments. I have asked her to stop calling repetitively and she replied saying no she will not stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: Convergent Resources, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Convergent has requested a bill for XXXX however I have not been able to verify that this debt collection is anything I owe for.

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 2022-08-31
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/2022, I mailed in a communication to Experian to look into some accounts on my consumer report that I believe are inaccurate. I asked them to investigate the accounts to ensure they contain the maximum possible accuracy. 

To date, I have not heard about any specific action taken by Experian regarding the items I had identified in my consumer report as inaccurate or unauthorized, nor do I see any changes to my report. 

The FCRA also includes what should be excluded from a consumer report. 

Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) Permissible purposes of consumer reports, ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not give anyone at Experian written instructions to furnish any of these accounts to my consumer report. 

Experian has violated multiple laws within the FCRA, and they are not complying with these laws in a timely manner. 

The accounts in question are as follows : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number 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 explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
State: NC
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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2017-06-23
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
There are late payments on my mortgage since XXXX XXXX. I have been paying every month and have been in contact with PennyMac regarding my payments. The late payments are as follows : 30 days past due as of XXXX XXXX to XXXX XXXX I wanted to see if there was anything that could be done about changing my due date and removing the late payments from my credit report. I feel that buy changing the due date, it will avoid any future late payments. I thought I was only about 21 days late and never 30.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2018-04-16
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:
I used to have a joint account with my former husband XXXX XXXX at XXXX XXXX XXXX 
I divorced him because he was involved in XXXX XXXX  and fraud to the IRS. 
After my divorce, XXXX XXXX XXXX  has been reporting false information bout my payment records. 
I must mention that it was I, who took in the responsibility to made the payments when I was married. 
I tried to talk to a bank manager ( they are located inside of XXXX XXXX  ) the manager was very rude and offensive. 
My records still have the wrong information that XXXX XXXX XXXX  reports. 
I need to clear my records. 
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 2017-06-23
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
My correct name is XXXX XXXX XXXX XXXX, not XXXX or XXXX. I never lived in Massachusetts just in XXXX XXXX and XXXX XXXX My current correct address is XXXX XXXX XXXX, XXXX, XXXX XXXX My current employer is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX. My current correct Phone number is ( XXXX ) XXXX. Please make proper adjustments to all credit bureaus. 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 non-monetary relief
Consumer complaint received 2022-08-31
Company: WorldRemit Corp.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
WorldRemit has not deliver promised/paid services. on XXXX I made 3 money transfer transactions to my recipient in the XXXX who needs the money for medical reason. Called and spoke to different cuatomer services who gave me different reasons, the money was no released yet because it was under review and no one is available to review because it is a weekend, and then it was a holiday in thw philippinws, and then they are following US Regulations but when I asked which regulations, they can't provide an answer, and then they were saying to contact me and to be patient, no one has followed up with me through email nor calls. But all of them CS said they will, that did not happen. I kept on calling for an update. Today XX/XX/31 at around XXXX I was told that their bank partners are having technical issues. All the reasons and excuses that you could imagine. Money in minutes turned into money available in days. It's not available yet this is the 4tXXXX day.

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 2018-11-24
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Details Account : XXXX XXXX XXXX Amount : {$97.00} Status : Late 30 Days I challenge the accuracy, compliance and reportability of this listing by XXXX XXXX XXXX, and this is an error and you must remove it, this against the law. 
... grave errorsfalse claims and reportingI want this removed immediately or litigation may follow. 

I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I sent a certified letter to TransUnion on XX/XX/22 for Demand for Deletion ( it was not a dispute ). My demand was very specific. The response from TransUnion is a stall tactic. TransUnion is in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX the consumer never gave TransUnion written consent to report anything on my consumer report. No consent is identity theft and I demand you remove the inaccurate information off of my consumer report immediately. If they are not removed I will not extend my credit to anyone or allow TransUnion to furnish a report for me. Pursuant to US 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting and by allowing TransUnion to report inaccuracies these inaccuracies, it may cause me to lose confidence in the banking system. If TransUnion would like to continue to do business with me I demand they delete these inaccuracies.

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 2019-09-05
Company: LDF Holdings, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I had a payday loan with Sky Trail Cash and I stopped paying them because of financial stress. Received three calls today with voice mail to my XXXX, Wife and my work number which they stated a warrant will be issued to me re fraud and I was being sued. This information should not have been left on other peoples voice mail not at a work number. 

the collection company also spoofed the number they were calling from making it look like the were calling from the XXXX XXXX Superior Court. The number that showed up on the telephone was XXXX which is the court. the name of the person Calling was a XXXX XXXX stating he was a court processor for XXXX XXXX. There is no XXXX XXXX?? Scare tactic ... also the voice mail stated to call XXXX x XXXX ... 
The company that called me is XXXX XXXX regarding a debt from Sky Trail Cash a payday company..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: Resurgent Capital Services L.P.
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:
XXXX XXXX XXXX ACCOUNT NO. XXXX IN CARE OF RESURGENT CAPITAL SERVICES IS ATTEMPTING TO COLLECT FOR XXXX /XXXX A FRAUDULENT DEBT. 
They have placed this debt wrongfully on my XXXX  CREDIT REPORT. 
I NEVER ORDERED XXXX ANYTHING, NEVER HAD A CARD. 
I believe it is possible ID THEFT as I have had a problem with other accounts opened completely unknown to me.I had my car window smashed in about XX/XX/2015 and my purse with ID and credit cards were stolen.The XXXX XXXX police showed up and filed a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: CCF Intermediate Holdings LLC
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Amount is {$350.00} On XX/XX/2022 XXXX contacted my son from XXXX and left a voice mail on his phone. It stated " This is XXXX XXXX contacting you once again in regards to a claim that is being refiled for ( my name ) to make you aware that once docket number VA XXXX is refiled it will become a matter of public record and there will be an order of location rescheduled. Now this claim is being refiled against ( my name ). We're reaching out to you as a point of contact because it is a matter of public record and your name is somehow affiliated with their claim. Now Miss ( my name ) does still have the legal right to contact the filing party. However once the claim is discharged in their office that will no longer be an option. If you happen to speak with ( my name ) it will be in her best interest to contact the office immediately before all legal rights are forfeited. Number for her to contact once again XXXX, referencing docket number VA XXXX. This is a legal notification by telephone and it will be redocumented on the claim, thank you. ''

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2019, I was alerted that capital one froze my account to make any withdrawls. I called them immediately and asked why. After almost 30 mins waiting, they finally came back and said they need to talk to 2 people that sent me a XXXX payment. I told them that those 2 people have nothing to do with my account and if they want to talk to them, they can find there contact info, IM NOT GIVING IT TO THEM. 

At this point, they refused to let me access my money in the account because they want me to give them private information that is none of their business. Under terms of XXXX, payments cant be reversed unless the receiving bank agrees to it. They claim they are worried these 2 people may request the XXXX 's back, at which point I told them they won't, I know them, and 2, even if they did, I refuse to allow. Simple. case closed. 

THEY STILL WON'T LET ME ACCESS MY FUNDS. So, at this point I am fed up and told them to close my account and send me my {$2300.00} cash that is in the account. THEY REFUSED TO. You need to contact them immediately, the {$2300.00} is not their money and at this point they should pay a fine and interest on it. I would prefer not to have to get a lawyer involved since I don't know any.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
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 A VICTIM OF IDENTITY THEFT. THIS IS MY OFFICIAL NOTICE OF CRIME BEING COMMITTED AGAINST ME. UNDER SECTION 605B OF THE FAIR CREDIT REPORTING ACT ( FCRA ) AND IT ENTITLES AN IDENTITY THEFT VICTIM TO CERTAIN IMPORTANT PROTECTIONS THAT CAN HELP ME RECOVER MORE QUICKLY IDENTITY THEFT. SPECIFICALLY, UNDER SECTIONS 605B, 615 ( f ) AND 623 ( a ) ( 6 ) OF THE FCRA, AN IDENTITY THEFT REPORT CAN BE USED TO PERMANENTLY BLOCK FRADULENT INFORMATION THAT RESULTS FROM IDENTITY THEFT, SUCH AS ACCOUNTS OR ADDDRESSES, FROM APPEARING ON A VICTIMS CREDIT REPORT. IT WILL ALSO MAKE SURE THESE DEBTS DO NOT APPEAR ON THE CREDIT REPORTS. THESE ARE NOT MY ACCOUNTS PLEASE REMOVE THEM FROM 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 explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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