BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-19
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Based on information I received indicating that Equifax 's credit freeze website was not entirely secure, I called Equifax to request that a credit freeze be placed on my account. I was told that, in fact, I could not have a credit freeze put on my account via phone. Instead, I was directed to the Equifax website and told that the only way I could put a credit freeze on my account was to go to the website. I told the customer service rep that I did not want to use the website and did not trust the website. No change. I asked to speak with a supervisor and was told that one would not be available for another 15 minutes. I said I would wait. About a minute later, the same rep came back on the line and said that the supervisor had told him to tell me that the Equifax website was fine and that I had no other options. I asked whether I could still speak to the supervisor and the customer service rep told me he was " very busy '' and would not be available for quite some time. 

I find Equifax 's response to what is a massive security breach to be callous, at best. They created this problem. They are in no place to be dictating how we try to fix it. Both XXXX and XXXX allow credit freezes to be put on a file via phone. When I called Equifax 's line, they said that I could not do so. This is completely unacceptable and only serving to put additional barriers in the way of people who want to take the necessary steps to protect themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted XXXX & they told me I've never missed a payment, yet Transunion refuses to remove me from being listed as late on XX/XX/22 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Transunion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please correct this misleading information ; 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 2018-05-21
Company: CITIBANK, N.A.
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:
On XX/XX/XXXX I ordered eye and skin cream samples from an online company called XXXX XXXX for {$5.00} and {$4.00}, respectively. I did not see anywhere a commitment to return the produce within 2 18 days, as they claim, or be charged for the samples as well as full price for their product, which the company is claiming. When my credit card came in and I discovered additional charges of {$98.00} by XXXX XXXX and {$89.00} by XXXX XXXX, dated XX/XX/XXXX and XX/XX/XXXX. I contacted my credit card company and disputed the charges. They closed that account and sent me a new card. The next month, I had charges on the new card from the same companies - {$98.00} charged by XXXX XXXX and {$89.00} charged by XXXX XXXX.I definitely did not authorize those charges and disputed them as well. I returned the product by mail to the company address on the package but have not received any kind of refund or acknowledgement from the company. 

In the documents sent to me by CitiCards, XXXX claims to have sent me a refund ( see attachment ) but none has been received. I can not understand the XXXX response. 

I understand that I made a mistake in not reading ALL the fine print but I believe CitiCards is in error by allowing the second set of unauthorized charges to go through onto my replacement card, especially after I had contacted them. I believe it makes CitiCards complicit in the deception propagated by the skin care companies.

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 2018-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
trans union has names thats not me on reports also open account from XXXX XXXX  date open shows XX/XX/XXXX is incorrect XXXX  has to account listed that does not belong to me i dispute 3 months ago they failed to show me that debt is mine i as to see validate fail to do that as well as showing XXXX XXXX XXXX  OPEN XX/XX/XXXX NOT to be mine as well and a XXXX XXXX i never had any of these open XX/XX/XXXX XXXX one is XXXX XXXX XXXX open XX/XX/XXXX not showned validate for that i well on XXXX shows closed accout on XXXX XXXX XXXX open on XX/XX/XXXX has all been disputed nothing has come back to me on any of these all XXXX XXXX showing close as well but still reporting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Blockchain.com, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I bought XXXX and attempted to withdraw. The company allowed me to buy XXXX and then froze the bitcoins when I attempted to withdraw. They requested documents and I sent them every document they requested. After I sent the documents, they have refused to respond. My XXXX has been frozen for almost 2 months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was the victim of identity theft and the person used my information to rent a lease last year in XX/XX/2022 that resulted in unpaid rent of {$880.00} that now a collection agency is trying to collect on. Equifax is incorrectly reporting on this fraud in my credit report. I would like for Equifax to remove this negative mark as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Midland Credit is trying to collect a debt from me that I do not owe. I have never heard of this company nor have I ever done any business dealing with them. They are reporting inaccurate information on my credit report. I did not sign any contractual agreement with this company and I do not have any contractual obligation to pay this company. Also I did not receive a dunning letter to get a chance at rebuttal before reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: Patrick K Willis Company Inc
State: KS
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I am XXXX and was living in my car. XXXX XXXX XXXX and XXXX XXXX XXXX repossessed my car while inside a grocery store, leaving me living on the streets.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
XXXX.filed judgment in court. I sent payment as per agreement for {$250.00}. Company said my payment was only {$25.00} although they had cashed it for {$250.00} from their bank and check had cleared for {$250.00}. They attempted to garnish wages without notifying me and I had to correct error and send them proof of information they had ( ie canceled check and proof of funds ). They blamed my handwriting and said they did not have to notify me of anything. Company representative " XXXX '' never notified me of options such as settlement options which I found out 3 years later I should have received. Caused embarrassment and issues with my employer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We made a deposit of {$40000.00} on XX/XX/XXXX And was advised by the that this will only be available 0n XX/XX/XXXX Then on XX/XX/XXXX we saw its not available we contact the bank thy say they 2 more days Now its over 17 days and there is nobody to to talk We where counting on the and it caused us a lot of damage

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: HW Holding, Inc
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Initially on XX/XX/2020 I reached out to this collection company demanding a cease & desist and to stop all communication unless it was via US mail. They failed to comply and continued to email me making false statements that I approved the communication. I have proof via certified mail receipts and previous letters sent. They have failed to provide me with any proof that I owe the debt to the collection company and also have inaccurate reporting on the account on my report. This company has violated almost every part of the FCRA and the FDCPA. If I might add, also violations of the XXXX for erroneous and outrageous fees for a debt I am not responsible 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 2020-07-09
Company: World Omni Financial Corp.
State: NC
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/XXXX I requested a copy of amount of money owed before financed amount was XXXX original contract is XXXX. After several series of events to service on my car. I started researching the sale paperwork. Several service that was denied was on the contract paperwork. On XX/XX/XXXX the owner of dealership lied to our Department of Justice in a letter. Lied about the XXXX XXXX protection, Lied about XXXX XXXX Warranty that I was charged for. Lied about mistakes made on XXXX Insurance. I reported this information to the Loan provider that the sale contract was incorrect acknowledgement made on XX/XX/XXXX. The Owner advised department of Justice that he sent the finance company a refund on the incorrect gap insurance. I have had 5 reply letters that the loan company was investigating this matter. I Paid a payment on XX/XX/XXXX and parked the car at my nearest XXXX dealership. I gave them 30 days to address the Service and Sales Contract they failed to address the matters. According to our state Lemon Law within the first 24 months Service and Contact issues must be resolved. They failed to address Lawful requests. Now It is against the Law to lie to any Law enforcement agent.Evidence and contracts support. And on XX/XX/XXXX this company is allowed to continue breaking the Law and being unjust. Given this companies history of discrimination and the failure for me to get Justice.  They continue to break the Fair Credit Reporting Act. Even with all the evidence of a unjust contact. They are still allowed to damage my stellar payment history and good name

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: AmeriCollect
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:
Americollect is using my health records without my consent. This is a unlawful use of my private, personal medical health files. This is a direct violation of my HIPAA rights. I have filed a formal complaint with the US Department of Health and Human Services. They have obtained my information illegally. I do not have any contract with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/XXXX I received the included email from Bank of America, stating : Hi, XXXX, we would like to remind you the promotional rate you're currently receiving on your balance ( s )  listed below will expire in approximately 90 days After the expiration date, any remaining portion of the balance will be charged at the Annual Percentage Rate ( APR ) noted below. 
Offer code : XXXX Transaction type : Direct Deposit Cash Advances and Check Cash Advances Promotional APR : 0 % Promotional end date1 : XX/XX/XXXX Current balance 2 : {$6500.00} APR after promotion ends : 20.99 %, a variable APR based on the U.S. prime rate New transactions do not qualify for this Promotional Offer. 

However, after making a payment of {$6500.00} on XX/XX/XXXX, It was applied to the loan that was not due until XX/XX/XXXX and nothing was applied to the payment that was due on XX/XX/XXXX. This resulted in a interest charge of {$120.00}. 

Also, a secret balance due not show on statement was resulting in interest charges for non existing purchases. The charges were : XX/XX/XXXX {$6.00}, XX/XX/XXXX {$6.00}, XX/XX/XXXX {$3.00}. 

Even though interest was prepaid on 2nd loan thru XX/XX/XXXX, I was not able to make good on this since I was now required to payoff XX/XX/XXXX loan before XX/XX/XXXX loan could be paid. This loan had a 3 % prepaid charge for borrowing money thru XX/XX/XXXX which I was forced to pay off 4 months early.

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 2018-02-15
Company: Coinbase, Inc.
State: ND
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
XX/XX/17 I contacted my bank to do a wire transfer to XXXX. 
The amount of {$10000.00} was wired from my bank ,XXXX XXXX XXXX XXXX XXXX , to XXXX 's bank, XXXX XXXX XXXX . XXXX had to get some more info from me before the deposit into XXXX 's account could be made. I supplied the information and the money was transferred. I waited for it to show up on the site in my account. I called after 5 days support had told me they were backed up and that it would be deposited in my account shortly. I have called them 2 to 3 times a week since then having no luck with them. I have emailed and called asking for my money back to no avail. They emailed me usually after each call i made to assure me the matter was being looked into. Its been over 4 months now it feels like a scam. 
I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I kindly ask that if you could please do a courtesy adjustment of my previous XXXX sign up offer to your recent XXXX XXXX points promotion. I recently contacted you and was offered XXXX courtesy adjustment, and I truly thank you for that. But at the same time I had XXXX friends who had the same situation and simply called American Express and received XXXX XXXX points match in both instances. I simply ask that considering they were able to receive the higher courtesy match, I kindly request a match to that.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I filed a claim against american express because they never returned the funds that were in my account when my account was close, and I continue to file claims but i do not address my issues. My next step will be a lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: EQUIFAX, INC.
State: IL
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:
XXXX  Credit Report showed on my records that I have 30 days past due with XXXX  store in XXXX  2018. I opened dispute. They completed it and it still shows 30 days. I made payment in XXXX  XXXX   . But it says on my records  30 day past due in XXXX. And it brang down my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Cawley & Bergmann, LLP
State: GA
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:
I have been receiving multiple calls a day from Cawley & Bergmann I have continuously advised the different representatives to put me on there do not call list and do not call me anymore this is not my debt, the debt collector continuously call and On XX/XX/20 I received several calls from the same debt collector after Covid 19 and the President of United States stated to cease all debt collector calls during this Pandemic. This is not my debt and I have lost my mother in the wait of this Pandemic, I am going through tough times and to continuously have a debt collector call my number I am mortified and appalled that this company Cawley & Bergmann does not have any since of direction, consideration and empathy for what is going on in the world.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: FIRST MIDWEST BANCORP, INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I on XX/XX/XXXX paid my internet bill, when I looked in my bank account I noticed another charged from XXXX XXXX XXXX, for {$27.00}. I immediately started to talk to XXXX XXXX XXXX about it told them I don't have service with you anymore I have a different phone service. Called my bank ASAP closed my debit card was issued a new one and reported to XXXX XXXX XXXX my cell phone that had the app on it had been stolen from me shut down auto pay and the phone I didn't authorize the payment. I have had to call supervisors and they have done nothing to refund my money.and the bank just don't care

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 2016-10-03
Company: CITIBANK, N.A.
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
The financial institution I am dealing with, Citibank, has missapplied funds which I sent in a timely manner to pay this loan and I can not seem to get any help removing late charges I was charged due to their mistake. I have sent payment which was supposed to be credited to this account and was mistakenly credited to an old, closed account which Citibank could not transfer to the right account. As soon as I was made aware of their mistake I requested a refund and sent another payment which was credited correctly, however, there were 2 times this happened and I was charged late fees I would like refunded as I was at no fault in this matter. I have sent letters and made numerous calls without any luck.

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