BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-11
Company: Allied Data Corporation
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:
I have some small issues taking place on my credit reports. I have Fake or made up names showing up on my credit file. My legal name is XXXX XXXX XXXX Please remove any other name that is not spelled properly! My DOB is XXXX my full SS # is XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. Please delete these fraudulent addresses : XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The phone number are not accurate please delete them. ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-09-16
Company: Paypal Holdings, Inc
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This is further to COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 because PayPal made an incomplete assessment and stated that I had not conformed to a time-frame of 180 days. This isn't entirely true, and PayPal needs to look into this complaint more thoroughly. In addition, PayPal completely ignored the problems PayPal causes by putting merchants in a list -- without the account-owner 's knowledge -- that enables the listed merchants to pull money from accounts automatically. _______________ An unauthorized charge was made on XX/XX/2021. 
_______________ I reported the charge to PayPal on XX/XX/2021. 
_______________ The unauthorized charge was made by XXXX. 
_______________ I had informed XXXX by text-chat on XX/XX/2021, that they were taking money out of my account without permission. 
_______________ XXXX promised in writing in that same text-chat 1 ) to make a partial refund of prior charges and 2 ) that they would never make any further charges. 
_______________ But they never made the refund. And they also took money out of my account again on XX/XX/2021. 
_______________ This I reported this to PayPal on XX/XX/2021. 
_______________ PayPal closed my first complaint here on CFPB on XX/XX/2021. They said I had not notified them of the problem within 180 days. 
_______________ But I notified them ON THE SAME DAY of the most recent problem. And also well within 180 days of XXXX 's written promised refunds. 
_______________ PayPal was wrong to motion to close my CFPB complaint. 
_______________ PayPal also needs to take responsibility for automating a setting in which merchants are given the ability to pull money out of accounts without the owner 's knowledge of that setting.

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: Investigation took more than 30 days

Complaint:
I sent in a dispute letter for incorrect information XX/XX/2021 and the credit bureaus have not replied in the 30 days. I am requesting an investigation into this matter. 
I disputed the following items to be removed from my credit file from XXXX, Equifax and XXXX. 
Incorrect names Incorrect addresses Past employers inquires that are outdated Debts that are not mine : XXXX : {$1900.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX {$710.00}, XXXX {$10000.00} Several Inquires XXXX XXXX ( 4 ) XXXX XXXX XXXX ( 3 ) XXXX XXXX XXXX  ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX  ( 1 ) I am requesting these items be removed I am requesting these items be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Sequium Asset Solutions, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a letter today from Sequium Asset Solutions informing me that I owe XXXX {$260.00}, with no information on the nature of the charges, and threatening me with a negative credit report to three bureaus if I do not comply. 

When I called the number that the letter directed me to call for next steps, no one picked up. 

There are two issues : 1. I did not receive any prior notice that XXXX is alleging I owe {$260.00}. I have received no information from the XXXX, the debt collection agency that they are using, Sequium Asset Solutions, nor have I been informed of any process I can engage in to receive that information or contest the debt. 

2. I do not agree that I owe the charges. I closed out my account with XXXX when I moved from my previous home in XX/XX/2019. I spoke with a XXXX agent on the phone who confirmed that my account was closed and that all charges were paid. I have received no notice or information from XXXX or Sequium about the nature of the charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22
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:
It is requested that all credit reporting bureaus be contacted and informed to remove said collection XXXX College or any other fraudulent reporting from XXXX College from my credit reports. XXXX XXXX XXXX fraudulently reported that they are the original creditors on my loan account. This is false reporting ( FRAUD ), I never went to XXXX College, nor did I take out a loan from an XXXX College. 

According to the credit bureau 's reporting on my account, my score has been harmed over the last couple of years with my credit score dropping 44 points at one time in some instances. This has affected my credit rating and my ability to apply for credit, loans, and personal accounts. 

An account executive called from XXXX XXXX XXXX and implied that this loan was tied to a loan from XXXX College. My loans are in excellent standings, and XXXX College was closed due to fraudulent practices by the United States Attorney General XXXX XXXX office. Federal loan relief forgave private debt owed by students of XXXX College. 

Also see USA.GOV for further information on the fraudulent activities by XXXX XXXX and XXXX College. 

I am asking that each credit bureau be contacted and the information supplied and attached be investigated against XXXX XXXX XXXX who continues to open fraudulent accounts against me harming my credit profile and character. A Cease and Desist letter that is also attached was sent to XXXX XXXX XXXX requesting them to start reporing fraudulent activity on my account. If XXXX XXXX XXXX continues to falsely report on my account causing me further harm, I am asking the Financial Protection Bureau to assist with the law suit that will be filed against XXXX XXXX XXXX per " CONSUMER LAW. '' I am requesting that all three credit bureau 's stop reporting this fraudulent information and restore my credit score back to its original standing from all credit reporting bureau 's. Forty Four points or more have been unduly deducted from my credit score and I am requesting it be reinstated. 

Please see all documents attached! 

Thank you for your assistance in this matter. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 got an alert on my credit file that my XXXX XXXX XXXX account was showing recent late payments so i called them and they stated they had been sending me statements to pay but they had the wrong address in which i have not changed my address so i wasn't sure where they had been sending my mail. Then they closed my account and i told them that i have been with them for awhile and why can't they fix the error that was their fault. 
I filed a compliant with XXXX XXXX XXXX and this is my dispute number 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 2018-12-18
Company: Kriya Capital, LLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Creedence Resource Management whomever this may be is blowing up mine and relatives phones  non-stop up to 6 times daily after previous cease and desist request made and acknowledged by this company. Using multiple fake or spoofed phone numbers one being XXXX with no messages left.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: EQUIFAX, 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:
n accordance with the Fair Credit Reporting act XXXX Account 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I opened a Citi Bank credit card account with Best Buy on XX/XX/XXXX and made at {$4000.00} purchase at Best Buy on this credit card, an interest deferred offer. I had amoritzed payments to pay off the entire balance by the expiration date on the offer ( XX/XX/XXXX ) in 24 equal payments via an auto-pay. Prior to the first payment being made, a payment of {$100.00} was made over the phone on XX/XX/XXXX. After the first payment, an e-check was scheduled to go out from my bank for XXXX, XXXX, until the auto-pay could begin. Recently, I received a statement from Best Buy, indicating a balance of {$1700.00}. A telephone inquiry with Best Buy, made on XX/XX/XXXX, has revealed that, by XX/XX/XXXX, a balance of {$51.00} still remained on the account, and all the interest, accrued over 24 months, has been posted to the account. After an hour of having been transferred around, Best Buy was unable to bring up the history of payments made on this account. During the month of XX/XX/XXXX, I received several phone messages regarding my the Citi Bank credit card account ( no detail was provided ), and each time I called back, the customer service department was unable to locate an active account for me with an outstanding balance, including during the phone call on XX/XX/XXXX. Since I was never able to successfully connect my Best Buy account with this card number online, and have not used the card since the XX/XX/XXXX purchase, I was not aware that the card was with Citi Bank. I am filing a complaint to dispute the interest charges on my account. How could a payment have been missed or delayed using auto-pay? Is it possible that the XX/XX/XXXX payment may have been mistakenly directed to the wrong, inactive, account and therefore never posted on this account? I am attaching proof of the 1st 2 payments on the account. As you can see, XX/XX/XXXX payment aparently was not applied and may have been sent back to the bank, without my noticing it. Also, I would like an explanation for how 2 years ' worth of interest at 26.49 % can be charged on {$4000.00} when Citi Bank did not have an outstanding debt in this amount for the entire time. According to the Truth in Lending Act, the credit card issuer must notify me of the interest rate increase 45 days in advance of the increase, giving me the option of paying off the balance at the existing lower interest rate. This notice was not provided -- if it had been, I would have been aware of the remaining balance on my account. In conclusion, I feel, I have done everything in my power to pay off the balance by XX/XX/XXXX, but due to the confusion with accounts, not all payments posted in a timely manner, and sufficient notice was not provided for me to rectify the problem.

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 2020-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In late XX/XX/2020, I was notified that I had several negative items on my credit report. Of these negative items, that spanned over a number of years, accounts like auto loans, car insurance, credit cards, bank accounts and student loans were opened in my name have all been charged off, closed, and sent into collections. I have sent ancillary documentation to the creditor and credit bureau to have these items removed.

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 2018-12-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I called in to Citizens bank today to resolve a problem with XXXX XXXX  still showing that the debit card has not been removed from my device. When the Rep XXXX XXXX XXXX failed to resolve the issue I asked to speak to a supervisor. The supervisor regurgitated the same resolve and then disconnected with me after I asked for her supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was reviewing my files on my credit report and I discovered XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. I have never given this company permission to have access to any of my personal medical records. I never received any medical services from this company. I would like to know how any of my HIPAA Act protected information was released and I would REQUEST a copy of any signed documentation approving this release of records! I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPAA does allow for limited information about me but anything more than XXXX XXXX XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPAA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.

3.Cease any credit bureau reporting until debt has been validated by me.

4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA.

Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.

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 2020-01-29
Company: BANK OF THE WEST
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
sir, this is the second time i am submitting this complaint. previous complaint on this issue brings no reply from bank. i filed the previous complaint when i was in immigration custody. following is my new mailing address. 

( 1 ) : Dear CFPB. I am a victim of a fraud by Bank of West and I need your help. The details are as follows. I had a checking account with this bank. Account number XXXX. In 2012 a perpetrator made withdrawals from my account using debit card for a total of around {$6000.00}. see attached, which is a copy of bank statement. When I discovered, I filed a claim and submitted the paperwork. The bank was slow, very slow. I had a heated argument in the branch because I need the money for my business and bank did not provide provisional credit. 

( 2 ) : In retaliation, the manager closed my account. notifying me that my account is closed on XX/XX/2012. After closing the account, they completed the investigation regarding the withdraws and concluded in my favor and issued a cashier check of {$6000.00} see attached which is a letter from bank notifying me that a cashiers check is issued ( not mailed ). 

( 3 ) : Either way, I kept waiting for a year and keep calling the helpline. It took me 25 minutes to get hold someone and another 35 minutes to explain and seek issue for the cashiers check. 

( 4 ) : After numerous calls, I received a cashier check of {$43.00} which was a joke and as a protest I never cashed it. I am deprived of my hard earned money. Please help I appreciate. 

XXXX XXXX XXXX  # XXXX , XXXX # XXXX, XXXX  " XXXX  '' XXXX, XXXX XXXX XXXX XXXX, XXXX cell : ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I own a XXXX XXXX  and I have a credit card with Bank of America. Merchants have credited my card on 2 separate times, XX/XX/2020 and XX/XX/2020. The credits are not posted to my statement or account online or on a mailed statement. 

I have contacted Bank of America credit card customer service twice in XXXX to inquire why the merchant refunds to my card are not showing up. The last time that I called was today XXXX. Both times I have been told by the bank customer service person that they see the merchant credits and they should be on my statements BUT they will not transfer to my statement for some unknown reason. The customer service rep could not tell me what my actual balance is nor could she point me to an accurate bank statement. On both occasions, the bank representative escalated to a supervisor who admitted this was a problem but there was nothing she could do about it except contact their Information Technology department and hope someone in IT could resolve it. There was no ETA given. The total amount of these charges is {$1100.00} but I have about another {$6000.00} coming from various merchants as I run a travel agency and these are credits for cancelled trips due to Coronavirus. The customer service agent, XXXX and her supervisor, XXXX, could not give me any advise except to hope that this can be fixed at some time in the future on the call today. Neither would give me someone else that I could contact to help get the situation resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
I filed a dispute with Bank of America for a charge made to a contractor who did not do the job well. The plumber came to fix the toilet and the same component broke after a few days. We tried contacting the plumber but he never showed up. So, I disputed the charge with BofA. The plumber responds to BofA that he was willing to come and repair the toilet. So, we got in touch with him again. He refused to show up and said that I had already received my money back. Not sure what he meant by that, but probably thinking that BofA had credited the funds, which they hadn't. I sent the text exchange with the plumber as evidence to BofA that he did not do the job right the first time and failed to come and fix it. 

However, BofA closed the dispute case without resolving it. I called BofA and asked them to re-open. They said that they would not. I had to provide a 2nd opinion letter and I had to either fax it or go to a local branch to send it. So, a national bank like BofA provides no messaging capability for customers to connect or upload electronic documents. Very convenient. They do not bother researching dispute cases and even after providing clear evidence they did not bother doing anything about it.

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