BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-10
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS COMPANY LVNV FUNDING LLC JUST SHOWED UP ON MY CREDIT REPORT TWICE, ONCE FOR {$690.00} FOR XXXX XXXX, AND ONCE FOR {$280.00} FOR XXXX? I HAVE RECEIVED AN OVERWHELMING AMOUNT OF EMAILS FROM THIS COMPANY AND HAVE ALREADY DISPUTED WITH THEM THAT THESE ARE NOT VALID ACCOUNTS. THEY HAVE DONE NOTHING TO PROVIDE ME WITH ANY LEGALLY SUBSTANTIAL DOCUMENTATION SHOWING TIMELINE OF MY OWNERSHIP OF THESE ACCOUNTS! THESE ACCOUNTS WITH THEM NEED TO BE REMOVED ASAP! JUST AN EMAIL " STATEMENT '' FROM THEM DOES NOT PROVIDE PROPER VERIFICATOIN OF DEBT BY LAW. BOTH OF THESE ACCOUNTS NEED TO BE REMOVED. I DO NOT OWN THESE DEBTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2022, I opened a US Bank XXXX checking account ( Attachment XXXX ) and used promotional code XXXX ( Attachment XXXX ) in my application. 

XXXX XXXX XXXX granted the account holder a {$500.00} cash bonus for completing several benchmarks within the first 60 days of opening the account as evidenced in the terms and condition in Attachment XXXX. 

Pursuant to terms of the offer, the account holder needed to : XXXX. Open the account between XX/XX/XXXX and XX/XX/2022 ( Account was opened XX/XX/2022 ) XXXX. Enroll in online banking within 60 days of opening the account ( Completed after account opening ) XXXX. Receive two or more direct deposits within 60 days of opening the account. For the {$500.00} bonus, the aggregate total of the direct deposits needed to be {$6000.00} or more. 

Per the attached statement ( Attachment XXXX ), a direct deposit of {$3000.00} was received on XX/XX/2022, which is shown as a Payroll direct deposit. A second direct deposit of {$3000.00} was received on XX/XX/2022, also a Payroll direct deposit. 

More than sixty days has elapsed since the second direct deposit and the bank has not credit the bonus to my account, which is in contravention of their terms and conditions for the promotional offer.

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 2018-09-04
Company: Experian Information Solutions 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 i victim of Identity theft and have inform these companies and also sent the necessary supporting documents and these inquiries are not being removed. 

I am not looking for credit nor have i applied to XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX. on XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXXXXXX XXXX/ XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX/ XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Please remove these inquiries and add the number XXXX as the number to contact before proceeding with any application.

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 2021-03-16
Company: RIA FINANCIAL
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
Issue with XXXX. 

They are sending unsecured " contract emails '' which include confidential information in CLEAR TEXT ( no encryption ) which includes : * Bank Account and Routing Number * Full Name * Bank Name and Address This information is highly confidential and should never be sent in plain text in a regular email, this is a breach of trust that they will protect and secure my account details.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: NJ
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 called your department after I purchased a credit report with XXXX XXXX on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this charge off, including this incorrect information from my personal profile. A copy of my Bank Statement, drivers License, and SSN for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX XXXX XXXX XXXX .Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX  XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, W2, and current Bank Statement as verification of my ONLY address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
Company: Incomm Holdings Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased a 3 pack of Vanilla VISA gift cards at XXXX on XX/XX/XXXX for XXXX gifts. The 3 pack consisted of three {$20.00} gift cards and I paid a total of {$68.00} for the pack. After XXXX the recipients attempted to use their cards and they were declined as the cards have no value on them whatsoever, which was then confirmed by checking the balance of the cards using the phone number on the back of the card. I have been trying to get in touch with the company, XXXX, for weeks now via the number on the back of the card. Currently I have 1 card on my possession as it was given to my son for XXXX - the other 2 recipients are not local to me. At any rate, the hold times have been extremely long but I finally got in touch with them today ( XX/XX/XXXX ). I spoke to a representative, XXXX, who was extremely rude. The worst customer service I have experienced in a long time. She said she would open a case- I reluctantly provided her all of my personal information - information that truly I did not feel comfortable providing as I have just gotten scammed by this company ( or at least by the purchase of goods from this company ). I provided my name, DOB, address, phone, email, all of the receipt information from when I purchased the cards. However, she then asked for a copy of my drivers license front and back - that is ridiculous!!! Ive been scammed out of {$69.00} and now the company involved in the scam wants me to give them enough information to scam me again. Thats crazy! I asked multiple times to speak to a manager which she refused to transfer me. She also is requiring copies of all 3 cards which I had already told her I only physically have 1, the other 2 are over 200 miles away as they were given as gifts which turned out to be completely useless gifts. I told her I was going to file a complaint and she then said well if youre going to file a complaint then we wont be able to open a case or reimburse you. Horrible, horrible customer service! I havent been refunded, at this point they are refusing to refund without a copy of my drivers license. When I asked what exactly they need all of this information for, she had no answer other than Its required. I know for a fact it is not required to open an investigation, and would gladly send a picture of the receipt and the gift card that I do have in my possession, but I will not release a copy of my drivers license to a company thats involved in scamming consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: EQUIFAX, INC.
State: VA
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
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: Old information reappears or never goes away

Complaint:
I filed a complaint in XXXX of 2017 for multiple items that appeared on my credit report as a result of identity theft. Equifax responded with items that were to be removed as a result of the investigation. XXXX XXXX  was included as an item to be removed however it still appears on my credit report. Below I have copied and pasted the response form Equifax with the results from the original complaint. 

Equifax reviewed the complaint, its records and initiated a reinvestigation. Equifax did not receive any additional communications from the consumer during the review of the complaint. Equifax will mail the results of the reinvestigation within 30 days. Please be advised XXXX. XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX and XXXX XXXX was deleted for the credit the file in case number XXXX. XXXX   XXXX.has been verified as reported with the following Name, Social Security Number, Date of birth and address. Equifax has sent you a complimentary copy of your credit file. Written confirmation was mailed on XX/XX/17.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Fidelity National Information Services, Inc. (FNIS)
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: Credit inquiries on your report that you don't recognize

Complaint:
remove fraudulent / unauthorized inquiry from XXXX XXXX XXXX XXXX XXXX off my report with monetary relief. That is not my driver license number. Or provide proof in writing within 30 days.

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 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-07-19
Company: CITIBANK, N.A.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Citimortgage processes partial payments in a manner that is harmful to consumers, who never have a say in who their mortgage servicer is. In my case, they bought my mortgage from my original servicer, so I am stuck with their harmful practices. 

Citimortgage does not apply partial payments to an outstanding monthly payment. Instead, they apply a partial payment as an additional principal payment. It is common for US workers to get paid twice a month. Therefore, it is logical that someone like myself to pay half of his or her mortgage payment from each paycheck. Because Citimortgage applies each of my 1/2 mortgage payments as an additional principal even when the monthly balance is still due, I have to manually call in every month to have them fix the account. If I don't make the call, they send a derogatory note to credit reporting companies or a report other than " on time '' such as " we worked this out '', which appears to impact credit scores. 

Since Citimortgage is a financial institution, they should know how to apply payments toward debts. All financial institutions should be required to apply payments to outstanding monthly balances first. Only once the monthly payment is satisfied should any additional amounts be applied as extra. For example, consider the scenario where I borrow {$100.00} from you, and we have an agreement that I'll pay that back over 2 months as {$50.00} each month. In other words, I owe you {$50.00} in 30 days, and another {$50.00} 30 days after that. If 15 days from now I give you {$30.00}, you would know that I still owe you another {$20.00} to fulfill my $ XXXX monthly payment. You would also consider my outstanding balance to be {$70.00} now. If I give you the remaining {$20.00} 15 days after that, you would acknowledge that I met my $ XXXX monthly obligation. In fact, you would probably be thrilled to get the first {$30.00} well in advance of when the first payment is due! 

This simple logic escapes Citimortgage. Their practice of applying partial payments as an additional payment even when there is an outstanding monthly payment due is unnecessarily harmful to customers ' credit worthiness and potentially to the ownership of their home. 

When I pointed this out to Citimortgage, I was told simply that they do not have a semi-monthly payment plan. However, a payment plan isn't needed. Basic logic and common sense is all that is required.

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 2019-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
To whom it may concern. 
UNFAIR RETURN ITEM FEE I tried to transfer {$3000.00} from my personal account ( BOA ) to my business account ( XXXX XXXXXXXX XXXX XXXX ) on XX/XX/19 FRIDAY on BOA webpage. 
and i found out XXXX account was merged with other banks. 
I called XXXX XXXX and they said your routing number has changed. 
so i met the bank teller ( in XXXX branch ) of BOA to tried to fix my transfer information ( my routing numbers ) on same FRIDAY afternoon. 
He said there is no extra fee on fixing information and if the transfer fail the fund will be returned to my account automatically. 
I ' ve been to BOA on wednesday XX/XX/19 again to find out what's going on. 
she who is another teller from friday said i still need to wait more and even though routing numbers were changed and it still can be transferred so i believed that and had to wait again. 
On friday XX/XX/19 morning my {$3000.00} has returned. 
At the same time BOA charged {$35.00} for return item fee. 
This is very deceptive charge. 
I paid {$3.00} for 3 days transfer and wait 7 days but they didn't do it right. 
and charged me another extra {$35.00} for nothing. 
what did i do to deserve this? 
i think this is unfair. 
i hope this problem will be fixed. 

regards

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 2020-07-10
Company: Experian Information Solutions Inc.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

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 2018-09-04
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Vehicle was repossessed on XX/XX/2018. I called Bridgecrest ( XXXX XXXX ) to see what amount I could pay to retrieve the vehicle. I was told that I had 2 weeks to pay this amount. When i went to get the vehicle, it had already been sold. I was told it was sold at an auction but i was never notified that the vehicle was going to auction. I also never received a notice of the amount that the vehicle sold 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 2020-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

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 2018-07-19
Company: Source Receivables Management LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I disputed an item that was falsely added by this creditor. On my credit file they claimed i owed {$290.00}. On XX/XX/18 I sent my first letter, this letter was received by them via certified mail on XX/XX/18, After 30 days passed, this company sent me a letter dated XXXX that looks like a bill, this bill didn't reflect any contract or my signature stating that I have any kind of agreement with this company or it's alleged client. I sent them a XXXX letter on XX/XX/18 disputing the derogatory they have, this letter was received via certified mail by them on XX/XX/2018, this company had no response to my XXXX letter and furthermore they continue to report this false item on my credit profile to all 3 bureaus. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. Again, a print out of a bill is not valid, I need the actual contract from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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 my account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 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 2018-09-04
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
today XX/XX/2018 I received an email from XXXX XXXX that my lowes credit card had been closed. I pay on time every month was confused to why they would close my account. so I called customer service and got a man who just kept repeating the same line over again saying I will get a letter in the mail. after I ask to speak to a supervisor he then ask if he had permission to read me this letter that was sent to me, letter said they ran my credit, for this reason or that they closed my account. listed several reason what it could be. no specific reason. I have paid on time NEVER missed a payment. this is not the first time they have hurt my credit drastically, they lowered my XXXX XXXX account after paying some balance off. which also hurt my credit and gave them the ammunition to close my lowes card. I feel they have bad business habits which single handedly ruin people 's credit. this is not right and I will be calling a lawyer and filling a class action suit.

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