BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-08
Company: Radius Global Solutions LLC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received calls via an automated dialer every morning this week ( XX/XX/XXXX through XX/XX/XXXX ). On only two of these calls did the dialer ever even address me - one call was silent so long that I hung, on another call, the operator was engaged in another conversation which I could hear half of, and I hung up on her. This morning, the operator I spoke with was exceptionally rude, and she refused to tell me what she was calling about until I provided her with my social security number as identification, which I wasn't about to provide a random unidentified stranger with. Finally, she told me that she was calling from " XXXX XXXX XXXX, '' but was exceptionally rude and refused to even tell me what the call was regarding without my providing information I had no intention of providing a stranger, so I hung up. This is both a cellular phone, and my work line. It don't believe robocalling it, or using it for collection calls is legal. I looked up the company to see if I could utilize email or some other method of communication, but their site requires an account number to contact them that way, and I don't have one. I am not aware of any outstanding debts, but I am happy to review any debt validation information which they can send me through the mail. However, I refuse to provide personal information to some stranger on the telephone just to find out why they're calling me, and I need these calls to stop.

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 2019-07-15
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:
XX/XX/2018 XXXX XXXX XXXX placed an item on my credit report as a collection account for {$460.00}. I have no record or account of this debt owed to this company, nor do I know who this company is. I never received any kind of verification of debt by phone, email or mail. This account is not mine and I would like for the false, erroneous and unverifiable information to be removed from my credit report immediately.

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 2018-06-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
REFUSAL TO GET ME A PERSON I CAN HEAR ON A HAND HELD PHONE. 

CORPORATE REFUSES TO GET ME SOMEONE I CAN HEAR. 

SUPERVISOR REFUSES TO GET ON A HAND HELD PHONE. 

XX/XX/XXXXXX/XX/XXXX I WAS DISCRIMNATED BY A SUPERVISOR. 

VERY NASTY AND REFUSAL TO ACCOMODATE THE DEAF AND HARD OF HEARING AND TO ACCOMODATE ME ON A HAND HELD PHONE AND NOT OVERSEAS. 

2 SUPERVISORS FOUGHT ME TODAY AND REFUSED TO LET ME HEAR. 

discrimination twice from XXXX I want to report XXXX who was so rude and nasty at XXXX on XX/XX/XXXX They can pick up their handset because XXXX at XXXX just did when I called back. Fire XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-15
Company: DISCOVER BANK
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Beginning in XXXX of last year, 2018, one of my loans with Discover Student Loans began being undercharged. I had set up the account in question to make automatic payments, and hadn't thought much about it since, seeing as the point of automatic payments it to be mostly hands off with the account. Each month, the account was paying slightly less than what was owed, creating a blemish on my credit. I did not become aware of the problem until XX/XX/XXXX, when Discover had begun calling my cosigner, my grandmother. I screen calls from scammers, and no message was ever left to my device before they began calling my grandmother. At this time, they were calling my grandmother about an amount equal to approximately {$5.00}. I was in the midst of losing my job at the time, and did not contact them until XX/XX/XXXX, when the account was squared and I complained of the improper charges. I declined setting up my other account for automatic pay, both because I was hoping to get my loans refinanced as well as because they had shown me little reason to put faith in their system. 

I called a second time on XX/XX/XXXX when I realized the same exact thing was still happening. This person finally took the time to inform me that when I had requested being set up for automatic payments, someone had instead set me up for ongoing payments of set increments. They said they had fixed the problem this time. As I had contacted several refinancing places since my last call and found that my credit had been slowly sinking due to Discovers incompetent negligence, I placed my other loan on automatic pay to hopefully help me keep my payments regular and try to repair my credit. 

I called a third time on XX/XX/XXXX when I realized that I had been charged a sum double what I owed on my account newly converted to auto pay, overdrawing my bank account. I had ample money if the appropriate amount had been drawn. They said they would disperse a refund for the difference, stating it would take as many as XXXX business days. It took a full week. 

I am writing my complaint now because three days ago, XX/XX/XXXX, I received a statement via mail that showed my account with {$5.00} overdue. This was the new account, my secondary, larger sum that had only been put on auto-pay on my XX/XX/XXXX call. 

Discover 's incompetence has now been inflicting damage on my credit for 9 straight months, with three attempts to rectify by contacting them, and three complete displays of ineptitude. I have not been able to secure payable rates through any refinancing company in that time, nor have I been able to receive affordable car insurance despite a perfectly clean driving record in the past 4 years thanks to my decaying credit score. The damage Discover has done has cost me exponentially more than the $ XXXX per month and an overdraft from my bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-19
Company: EQUIFAX, INC.
State: MI
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:
Attached are documents PROVING this account can not be validated or verified and needs to be removed from my report IMMEDIATELY. In addition, please send my check allowed to me under the FCRA for continuing to report information that was not 100 % truth, impacting my ability to get new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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: Problem with personal statement of dispute

Complaint:
Hello, I want through a tough divorce in XX/XX/XXXX and lost my job in XX/XX/XXXXand had to start over. I went through some great financial hardship and 2 of my accounts one with capital one and another one with XXXX XXXX credit cards went into collection. Once I got back on my feet I made settlements and paid both accounts based on the settlements with the company. After multiple attempts of good faith and currently being a card member with capital one, it is still showing in my credit report and making it nearly impossible for my score to increase to good credit. I have disputed multiple times with the credit bureaus and have contacted capital one and XXXX XXXX directly for a resolution to no avail. Yes I made a mistake and should have called during the hardship but its been since 3 or 4 years now and I have paid my dues and just trying to improve my life and credit. Please help me get a second chance. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: CITIBANK, N.A.
State: MI
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:
long story short i bought a washing machine part off XXXX. XXXX completely botched the case I had opened and refused to correct it, so I did a charge back with my credit card who also botched that dispute as well and went to the XXXX for help and they sent me san email claiming they had requested pictures of the damage item which i never received and i would have gladly provided it if i was informed. this involves Dispute ID : XXXX pic of the damaged item is being attached to this complaint. 

since this is being filed i also never received my credit card replacement either or any letter they claimed was sent out on XX/XX/XXXX requesting information. i have filed over a dozen complaints against the post office over the last couple months for various issues including missing mail.

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 2019-07-15
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
1. XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX ( XXXX XXXX XX/XX/XXXX ) {$5700.00} 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC ( XX/XX/XXXX ) {$22000.00} 3. XXXX XXXX Account Number XXXX ( XX/XX/XXXX ) {$1200.00} 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XX/XX/XXXX ) {$19000.00} 5. XXXX XXXX XXXX XXXX XXXX TX XXXX ( XX/XX/XXXX ) 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XX/XX/XXXX ) {$500.00}, {$1900.00} 7. XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXXl 10. XXXX XXXX XXXX 11. XXXX XXXX XXXX 12. XXXX XXXX 13. XXXX XXXX 14. XXXX XXXX 15. XXXX XXXX 16. XXXX XXXX XXXX 17. XXXX XXXX XXXX XXXX ( XXXX ) 18. XXXX XXXX XXXX 19.  XXXX 20 . XXXX XXXX XXXX XXXX 21. XXXX Credit/ XXXX XXXX 22. XXXX   23. XXXX XXXX XXXX 24. XXXX XXXX 25. Bankruptcy Chapter 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 2018-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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:
Was not receiving statements starting in XX/XX/2018. Charges were very small. Bank made no alternative attempt to contact me. Had enough rewards credits to pay the bills but they didn't apply them. They cancelled the card and are reporting me as 30-60 days late.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
They draw my money from my account and I called and I did small claim but the representative from Wells Fargo want to negotiate with mi with half of my money she told me they didn't have any pictures of drawing the money and she agreed.. but as a wells fargo employee they have to negotiate with half.. I decided to see the judge and he told me it took me too long to do the small claim I took to the court the bank statement that I didn't open because I thought the money was save in the bank I didn't even have a alerts activated to my account... the weird thing on this is my limit during the day was XXXX XXXX.. why this people was able to draw more them a XXXX dollars per day??? Total amount they owe me is XXXX dolares. I really appreciate if the call me 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 2021-04-07
Company: Experian Information Solutions Inc.
State: NC
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:
This complaint is in response to complaint # XXXX. Your claim that there is an unauthorized party in my complaint is totally false and baseless. I submitted my complaint on behalf of myself and even have an affidavit of truth under the penalty of perjury notarized in my documents so this complaint was clearly submitted by me. Funny when you know the law Experian likes to send out stall responses instead of complying with Federal Law and addressing facts, however I will not be deterred as I am resubmitting my original demand and Experian needs to address the facts I have presented. 

The Fair Credit Reporting Act is intended to secure my right to privacy and my privacy has been breached. Pursuant to 15 USC 1681 ( a ) ( 4 ) -There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Notice Congress said the consumer has a right to privacy. EXPERIAN has infringed on my right to privacy. First of all no one gave them this role, they assumed it pursuant to 15 USC 1681 ( a ) ( 3 ). Second of all pursuant to 15 USC 1681b ( a ) ( 2 ) I never gave them written permission to furnish anything on my consumer report. No consent is IDENTITY THEFT. I demand that the following accounts be removed immediately from my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLEGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am also demanding to be compensated via check {$1000.00} per violation totaling {$15000.00} pursuant to 15 USC 1681n.

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 2022-01-05
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This account is inaccurate and an FCRA violation. CREDIT COLLECTION SVCS # XXXX. I'm unaware of this account and did not receive notification about of debt. If you believe you provided notification, please PROVIDE CERTIFIED RECEIPT. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification. Not to mention you would be in violation of my HIPAA Rights.Please honor all request of documentation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
There are several student loan accounts and credit accounts that are inaccurately reporting lates on my credit file. The following accounts have accurate late reportings : XXXX XXXX - Open date XX/XX/2019 XXXX ( 10 accounts ) - Inaccurately reporting 120 days late There are address information that don't belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are incorrect name on my XXXX  File : 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 2019-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In XX/XX/XXXX i filed a dispute with Bank of America as someone opened two accounts in my name. I sent a police report and Bank of America said they will investigate and get back to me. Over two years I actually remembered and called them in XX/XX/XXXX.bank of America said they emailed me the results but had the wrong email, which is a lie! 
1 of the accounts were cleared however the other was not because they couldnt see that far back ( XX/XX/XXXX ). So I disputed that one as well, and again was told they would contact me. Now its XX/XX/XXXX and when i called, they claimed they could not reach me? Lies!! 
Over two in a half years and yet no results? Even after i did what they asked me to do.

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 2020-06-25
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My Citi card was declined on two purchases in a row. I had not heard from Citi, so I thought this was odd. The only time in the past my card was declined, Citi contacted me immediately and asked if the card was fraudulently used or stolen. 

I contacted Citi and was told they suspended my card as my payment was 4 days late. 

I had set up my payment previously using my bank ( XXXX ). I checked my XXXX bill pay site and found that I'd accidentally set my payment for the wrong week, so my payment was truly 4 days late. 

My complaint is this : I've been a great customer for years and pay my entire balance every month, on time. This was an administrative error, which Citi did not even contact me about to clear up. They simply suspended my account immediately, without recourse. 

When I called Citi to find out what was going on with my account, their automated system informed me " this was a collection call. '' That was how I found out I'd made a mistake on my payment setup from my bank. 

This is ridiculous. I of course will be cancelling my Citi account and have already obtained a new credit card. I am telling all my friends and anyone I know about this - a number of them have already cancelled their cards as well. 

I am one of the fortunate people who is able to pay my bills during this trying time. I do not need to have my credit ruined by a simple administrative error. 

I will never do business with Citi again. 

The form asks about military status and does not have a section for XXXX   XXXX XXXX ( XXXX ). I had to select " XXXX  '' as my status because that is the closest to XXXX on the form. My actual status is 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 2022-08-10
Company: Experian Information Solutions Inc.
State: FL
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1800.00}, XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$540.00}, XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00}.

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 2020-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 do feel as if my concerns are not being addressed by Transunion which makes me feel as if I am being taken advantage of now. I do understand that by law the Transunion has 30 days to respond giving results of an investigation which gives a reason to immediately remove these items I've attached and listed because it has been well over 60 days now. I demand that we settle this promptly or I will have to file for litigation as a consumer because this has put me through stress to find out how to get a response. I realized that my information was impacted by the XXXX  XXXX and may have got into the wrong hands of the wrong person.

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 2022-08-10
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO UPDATE MY CREDIT REPORT WITH THE CORRECT INFORMATION. I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE FOLLOWING CHARGES ON MY CREDIT REPORT. ALL CORRECT INFORMATION FOR ALL 3 CREDIT REPORTS ARE SUPPOSED TO BE 100 % ACCURATE. THE INFORMATION IS INCORRECT. TO PROTECT MY ACCOUNT I INCLUDED THE ACOUNTS, DATES, AMOUNTS OF THE IDENTITY THEFT OR INCORRECT INFORMATION. ALL CREDITORS LISTED ARE RESPONSIBLE FOR UPDATING MY FILE. THANK YOU

Company response to consumer: Closed with explanation