BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-09
Company: WAKEFIELD & ASSOCIATES, INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
While I was in college I had to take vaccination for XXXX school and used my insurance to cover the charge of it. At the time I made sure that the charge which was around XXXX {$100.00} to be send out to the insurance company. Vaccination and doctors visit were included in my insurance without deductions or payments and that was a reason why I received the vaccination. The health care provider validated my insurance card before providing any services. Thats how I received service at the first place. How can anyone buy a drink with paying for it? 

After seeing this derogatory {$500.00} in my credit score, I tried to call the collection agency as well as the health agencys phone number but they couldnt find me in their system. Why is it apparently for anyone to claim and affect my credit score with out having a reasonable cause. I even reported it as a fraud to the credit score companies and Still no solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Bank of America offered an XXXX XXXX credit card with an introductory XXXX miles upon spending XXXX XXXX Therein lies the problem, when I had applied to the credit card, I had inputted a separate residential and mailing address. Afterwards I filled the rest of the application and was approved immediately. 
After waiting a while I realized that I never received the card at my mailing address, it turns out that Bank of America sent the card and information to the residential address ; assuming that the information mailed out to the residential address ( which I still have not received ). Herein lies my complaint : 1 ) I was not enrolled into the advertised credit card, but was instead enrolled into a different card with the same spending conditions, less miles earned per dollar spent and less miles earned for meeting the spending requirement ( XXXX instead of XXXX ). None of which were made known to me at time of application, acceptance letter, or delivery of the credit card. 
2 ) Upon requesting the local bank of america branch for help to see when I would be receiving the XXXX miles, they made it known to me that I had received the lesser valued card, but had still assured me that I will be getting the XXXX miles. 
3 ) Early XXXX, after half a year of waiting for the miles, I went to a local bank of america branch again and was told to wait while they worked on the issue at hand. This issue still has not been resolved. I was told then that they would fix the problem. 
4 ) today XXXX.19 I was told that they are refusing to even compromise and that I was not qualified for earning the XXXX miles even after being assured multiple times that I would get it and they refuse to work with me on any further subjects regarding this matter.

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 2019-12-09
Company: EQUIFAX, 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-27
Company: Experian Information Solutions Inc.
State: LA
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 CALL IN XX/XX/XXXX THE FIRST WEEK STATING THAT I HAD INQUIRES NEED TOO BE REMOVED DUE TOO FRAUD IN XX/XX/2015 NOTHING HAS BEEN DONE

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 2019-02-22
Company: Monterey Financial Services LLC
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I signed up for what I thought was financing for my puppy from XXXX XXXX XXXX in XXXX CT in XX/XX/2018. The sign on the window specifically said financing, and the woman I was dealing with when applying for the financing said I would be making monthly payments for 2 years from the start date in XXXX. The sticker price of my dog was {$2400.00}. I applied for the financing through Monterey Financial Services and was approved. The woman at the pet store had me sign a few things quickly and that I was all set. Ive been making on time monthly payments of {$220.00} each month ever since then. Last month I went to check on how many more payments I had online and was shocked to find that I still have over {$4000.00} left to pay. I called Monterey Financial Services and was told I was not actually financing my dog, I was leasing it and to actually own her at the end of the leasing term I had to pay {$400.00} more. This was never told to me in the pet store or when I was on the phone applying for the financing. Now I am stuck in a pet lease and on top of it I have to pay more to own her at the end of it. I feel like I was misled in the whole process and Monterey is telling me that if I miss one payment they are able to take the dog back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: SECURITY FINANCE CORP
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: Account information incorrect

Complaint:
This loan is with Security Fin I paid them on XX/XX/XXXX in full they gave me a receipt saying XXXX balance. They did not report to the credit bureau 's that the balance is paid in full I called Security fin twice to fix this the first time they told me to wait until the end of XXXX and it will update XXXX I call XXXX to report the incorrect information and the report came back that the information was correct and I sent the receipt from Security fin they still would not correct it. Here it is now XX/XX/XXXX and it is still showing balance XXXX and high balance XXXX on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: EQUIFAX, 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:
Equifax has failed to remove fraudulent hard inquires off of my credit report, they have sent me several letters in the mail with confirmation numbers stating that the inquires were removed but they still reflect on my credit report. I have the confirmation numbers and hard inquires listed below. Please remove. 

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 response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: SYNCHRONY FINANCIAL
State: MD
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 have a loan with SYNCB/CARECR. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX   and SYNCB/CARECR with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 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 explanation
Consumer complaint received 2021-03-26
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
i XXXX XXXX transferred money to my another bank account and on my end it says complete i did the transfer on XX/XX/2021 in the mount of XXXX and in the mount of XXXX the money mioney never was sent to my another bank account and was not put back in my bluebird account and they refused to to give me my money back as of to day its been 4 days the man was supposed to call me back the next day never did and every time i call and get someone on the phone and they look at my account they hang up on me tried 2 time today XX/XX/2021 and both times i got hung up on please i just want my money back that they steal from me its bad when my own bank is stealing my money and they want give it back they said someone will call me today XX/XX/2021 and they never did they want even tell me what is going on it took me 2 day before that to get them to even open a case report and they still act like they ant even doing anything about my money missing out of my account the man said he need 3 day to check eveything out and then they will bee able to help me he was supposed to call me back the next day like said earlier he never called and still has not called me as of todays date XX/XX/2021 my money still is not been put back in my account and still have not heard anything by phone or email and its been 4 days now and now i cant even get my money off my card to close my account i feel they going to try to take even more of my why they want let me get my money out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: NEW YORK COMMUNITY BANK
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Incident date- XX/XX/2019 Bank 's Name- XXXX XXXX XXXX XXXX Location- XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Employee 's Name- XXXX XXXX. I walked into the bank to open an account. A free checking account can be opened with {$1.00} at XXXX XXXX. XXXX gladly open the account. 
The problem is she told me that she wouldn't mail me a visa debit card until I deposited {$50.00}. She told me once I deposited {$50.00}, she would gladly send me a debit card. She asked me was I sure I still wanted to open. I said yes. She received my {$1.00} and opened the account. 
The next problem is when I got home, the same day. XXXX called to tell me she had closed out my account. I asked why. She couldn't give me a straight forth answer. She only told me don't make any transactions because she had mailed the {$1.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: LEXISNEXIS
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Hi, LexisNexis is showing on my XXXX report the following Items that I have previously contacted them about in XX/XX/XXXX. Today on XX/XX/XXXX I ran a quote with XXXX XXXX XXXX and they are using this information against me to increase my insurance quote. These Items don't belong to me and I returned a highlighted copy of my report with my social security card and all related information. I got a confirmation from LexisNexis but this information is still being reported. This is impacting me financially on a daily basis as I have to pay higher out of pocket costs to be insured. 

Accident on XX/XX/XXXX Listed on XXXX XXXX XXXX  over {$1000.00} on XX/XX/XXXX Listed on XXXX XXXX XXXX   {$1000.00} or less on XX/XX/XXXX Listed on XXXX XXXX   XXXX {$1000.00} or less on XX/XX/XXXX Listed on XXXX XXXX XXXX {$1000.00} or less on XX/XX/XXXX Listed on XXXX XXXX XXXX {$1000.00} or less on XX/XX/XXXX Listed on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: Io, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt validation sent to company certified and received by company XX/XX/2019 validation requested per Texas Finance Code. Company did not provide proper validation- as of XX/XX/2019. 

Informed company that they have failed to validate this debt and that Ive given them more than alloted time per Texas State Law to validate this dispute. 
Today I contacted the original creditor and paid the balance in full. The original company stated that since the balance has been paid in full and the collection agency failed to validate the date the account needed to be sent back to them and that they needed to delete the tradeline. 

As I was unable to obtain any information pertaining the debt from the collection agency or legality of the account I went to the original creditor. 

Spoke with several representatives today that kept trying to trying me to single dispute representative. That has been unavailable now for 3 days- XXXX XXXX . 
Ive also left messages for the manager XXXX XXXX with no response. 

This company has been still reporting this account even after failing to validate it per the Texas Finance Code. The 3 major credit bureaus have verified this account despite the collection agency verifying this debt properly to me. 

I have tried several times reaching out to this company while they have repeatedly given me the run around on an account that they have not legally validated and is paid. 

Amount paid in full to original creditor- {$120.00} XX/XX/19 Confirmation # XXXX I want this collection account REMOVED from my credit reports immediately for failure to validate debt properly within the time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Under the New Law effective XXXX XXXX, 2017, any public record data must include name and address as well as SSN or D.O.B in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account.

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 2022-12-02
Company: EQUIFAX, INC.
State: IL
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 sent a letter on XX/XX/XXXX to Equifax and XXXX to remove erroneous inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
CitiCard Customer Service XXXX XXXX. XXXX XXXX XXXX XXXX, MO XXXX Attn : Citi Re : Case ID # XXXX To whom it may concern : Please reverse bogus renewal charge of {$110.00} to my card made by XXXX. 
Background : XX/XX/XXXX Purchased XXXX computer with XXXX already installed. 

XX/XX/XXXX Computer crashed due to poor protection. Computer not repaired. 

XX/XX/XXXX Borrowed daughters XXXX Notebook computer with another protection service provider already installed. 
XX/XX/XXXX XXXX XXXX charged {$110.00} to my XXXX XXXX. 

XX/XX/XXXX Called XXXX XXXX XXXX to question XXXX charge. XXXX said it was an automatic renewal. I told them I did not want to renew and to reverse charge. 

XX/XX/XXXX Replied to a XXXX email ( Exhibit A ) to create a paper trail for myself. 

XX/XX/XXXX Received three ( 3 ) voice messages from XXXX. I returned two ( 2 ) calls and left messages that I do not want service. 

XX/XX/XXXX From XXXX to XXXX made three unsuccessful attempts to connect to Citicards ( Exhibit B ) XX/XX/XXXX XXXX called XXXX Visa Card. Told to write XXXX and FTC. 

My repeated attempts to reverse a bogus charge reveal a pattern and practice of non-compliance with consumer laws. Please write me any reason given for not reversing this charge. 

Truly frustrated, XXXX XXXX XXXX cc : XXXX  ; FTC, XXXX XXXX. 

Subsequent to letter XXXX recorded call with XXXX XXXX told waiting to hear from Merchant 's bank. Would not reveal name of bank or how long Citi would wait or what they needed to hear. Did acknowledge receipt of written response.

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 2021-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

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 2021-05-19
Company: EQUIFAX, INC.
State: NV
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:
Equifax is reporting fraudulent accounts on my credit reports. 

XXXX XXXX {$340.00} XXXX XXXX {$240.00} XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I signed a listing agreement with XXXX XXXX XXXX group on XX/XX/XXXX. FOR $ XXXX after a careful study of comparables on most recent sales in the area. XXXX XXXX XXXX XXXX XXXX  thru XXXX XXXX XXXX XXXX conditionally pre-approved me for short sale for 120 days sale.Almost immediately offers were presented one with all cash full price and two more of 20 % downpayment with approved loan ready to fund. The buyers waited a minimum of 4 months for the bank to make their decision. To my disappointment, none of these offers were accepted by the bank. I was asked to list the property for $ XXXX which none of the comparables match this price. In XX/XX/XXXX the servicing of my mortgage was transferred to Shellpoint Mortgage Servicing. The bank pre-approved me a conditional approval to short sale on XX/XX/XXXX. On XX/XX/XXXX an offer of $ XXXX was submitted to the bank.The latest appraisal is below $ XXXX. To this time, the bank continously and abusively delay their decision to accept an offer. Meantime, I have sent them several hardship letters and communications regarding financial and emotional difficulties that me and my family have been through. Then, the Corona Virus Pandemic lockdown occurred. I got laid off from my job at the school. I am financially struggling to pay my bills and maintain the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation