BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-15
Company: EQUIFAX, INC.
State: TX
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:
Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPPA. XXXX, XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I am a good customer, I pay my bill on time every month. The interest rate is over 17 %. This high rate is hindering my ability to pay down my bill. I called the company a few times to get the interest reduced just as I did today XXXX. Both customer service reps and the supervisor told me that everyone gets charged the same rate. This is a ridiculous amount. They are unwilling to help. I signed up with XXXX  for their card a few years ago and they moved the card to citibank. What a mistake, I will no longer use the card or shop at XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10
Company: Convergent Resources, 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: Account status incorrect

Complaint:
I spoke with XXXX about paying a bill off and paid the bill in full. This was confirmed by XXXX. They then sold a {$6.00} balance to Cenvergent Outscouring who added this to my report in spite of my good faith effort to pay the account off when XXXX gave me the balance to resolve this account before it went to collections.

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 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Hard credit Inquiry showing on my credit report from a XXXX XXXX XXXX on XX/XX/2023. This was not me. ( showing on TransUnion ) I keep having an issue with someone applying for credit under my name/account. This was not me again. 

I also had XXXX on XX/XX/2023 from a XXXX - XXXX XXXX. This one is supposed to be removed from my credit card company. I called and am disputing this as well. These credit inquiries are not me. 

I also have a fraud alert on my account with TransUnion and XXXX. So I am confused on how I keep getting hard credit pulls.

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 2023-04-12
Company: DISCOVER BANK
State: FL
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:
Discover is refusing to resolve a transaction dispute in my favor, despite me providing evidence of theft and fraud committed by the merchant. XXXX sold me a defective garage door opener. Then they sent an incompetent contractor to install it, who completely botched the installation and then stole my old garage door opener. I attempted to resolve this with the merchant, XXXX customer relations, for weeks before eventually contacting my credit card company as a last resort and filing a dispute on this purchase that I made with my Discover credit card. XXXX then lied to my credit card company about what happened. Shockingly, Discover sided with the merchant on this dispute. Now I'm left with a non-functioning garage door opener, which I can not reasonably disassemble and return to their store. According to the notice I received from Discover on XX/XX/, the only documentation they used to base their decision on was XXXX 's refund policy, which unsurprisingly does not include any sections on fraud and theft committed by XXXX and their contractors. This was after I provided Discover with weeks of emails from XXXX acknowledging that they had sold me a defective product, that I am physically unable to return to them, and then refusing to fix the issue. This is fraud, and I am well within my rights and the law to have this charge reversed. If I don't get my {$310.00} back, everyone involved in this going to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report, please remove/block any items listed on my credit report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX Balance Owed : {$150.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} US DEPT ED XXXX XXXX XXXX : {$3800.00} US DEPT ED XXXX Balance Owed : {$6300.00} US DEPT ED XXXX Balance Owed : {$3300.00} US DEPT ED XXXX Balance Owed : {$3400.00} US DEPT ED XXXX Balance Owed : {$1900.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : XXXX XXXX XXXX Owed : {$1200.00} XXXX  XXXX Balance Owed : {$4200.00} XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
While reviewing my consumer reports, I found my consumer rights have been violated. In Accordance to the Fair Credit Reporting Act. 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( I ) States the term consumer report doesnt include any report containing information solely as to transactions or experiences between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. 
TransUnion XXXX, XXXX is reporting late payments for XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX,, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX 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 utilization is an experience created by credit usage 15 USC1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the

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 2019-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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:
RE : Bof A crdit cards -- XXXX or XXXX -- XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX credited a charge back in US . The choice of denoimination is mine, not XXXX XXXX. This unilateral choice cost me {$80.00} to {$100.00} due to currency fluctuations. XXXX has never responded to this complaint. 

Bank America, in it's wisdom, had declined the claim. I abhor Bof A 's attirtude which just enanles and encourages this typr pf scam by hotels etc. B of A 's position, in my experience, is to default to the vendor. 

Someone needs to look after the little guy. Start with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-22
Company: WELLS FARGO & COMPANY
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo made me think I had enough money to pay for items but unfairly charged me overdraft fees.

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 2022-01-03
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Fed Loan stated the my XXXX was missing, nothing was missing. Then they stated I was being processed, they didn't give me a que number that my XXXX would be processed. Then I was denied my XXXX for missing information. Spoke to a manager, they said everything was fine and my count still isn't updated. Complete morons.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-12
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2021-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I had three credit cards with Bank of America, 2 for over 20 years and 1 for 8 years. I didn't have a balance due on any of them. Then in XXXX XXXX XXXX XXXX charged one of the cards {$120.00}. I didn't know about the charge and I missed the email from Bank of America about a payment due on XX/XX/XXXX. Bank of America does not send paper statements or bills to me, I asked them before to resume paper statements. I saw an email on or about XX/XX/XXXX saying that a payment was due on XX/XX/XXXX. I immediately called Bank of America and explained what happened, I then paid the bill in full, {$140.00}, the XXXX fee plus a {$25.00} late fee. The next day I got an email from XXXX XXXX saying that one of my bank accounts was closed. I got three letters, dated XX/XX/XXXX, that day from Bank of America saying that they closed two of my accounts and the one with the charge had the credit limit reduced to {$500.00}. I called Bank of America and tried to explain things to them, that I didn't know that XXXX had charged my account and that I paid off the balance in full when I learned about the charge. The woman said there was nothing that she could do about the closed accounts. Perhaps I could get the credit line increased on the open account. I was so disgusted with B/A that I told her to close that account. I had two of these accounts for over 20 years and the other one for 8 years. I didn't know about the charge and it was less than 30 days late, when I paid it in full. What is most absurd is that on the three letters that I received, it was stated that XXXX accounts were being acted upon because they checked my FICO score and it was an XXXX. I believe this is an unfair trade practice, at the very least it is just not good business.

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 2019-11-10
Company: AmeriCash Holding LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took this loan out on XX/XX/XXXX, I was fired from my employer on XX/XX/XXXX and did not receive any unemployment benefits. After losing my job I was diagnosed with severe XXXX on XX/XX/XXXX I was not able to work due to my XXXX. I was able to call and attempt to negotiate on XX/XX/XXXX which was unsuccessful. After paying off in full all the previous loans I had with this lender they continue to charge me interest after calling in to inform them of my unemployed state. I remained unemployed until XX/XX/XXXX I am currently playing catch up on past due bills that accumulated from being unemployed and battling XXXX for almost tow years. AmeriCash Loans customer service department is rude, uncouth, aggressive people I had to request to speak to a supervisor and spoke when I did it was s supervisor Ms. XXXX, to offer a one time settle payment offer to pay-off the loan # XXXX for {$780.00} She wanted me to settle the debt for {$2500.00} which I declined. I only wanted to pay the amount I did borrow {$1700.00} and asked to settle the debt for {$780.00} Ms. XXXX refused my offer and stated I need to make a payment arrangement to pay additional {$4200.00} which is all late fees and interest. After being a long time customer of AmeriCash Loans I just informed her I will not be working and would only be able to make this one time payment of {$780.00}. The reason I am reaching out to your offices is to see if you can speak on my behalf to only pay the original amount borrowed I paid {$780.00} of the {$1700.00} meaning the remaining amount due would be {$920.00} which I am readily to agree to pay that amount to be officially finished with this rude and unprofessional lending company. so I can no longer have this debt hanging over my head. I have suffered from XXXX  from this aggressive and over charging interest fees pay day institution constanting harrassing me for payment I can not afford I take care of a XXXX XXXX and physically challenged parent who needs me to pay her bills which is over {$2000.00} a don't make enough money currently I as of XX/XX/XXXX but do not get enough income to pay these outlandish fees. Please help me make this offer to pay the {$920.00} balance from the original amount borrowed. I have the payment confirmation number # XXXX for the {$780.00} I paid. Its been over a year and I want to be completely done with this horrible money-grubbing predatory loan lender. I will submit a request until I get some kinda of resolution that is fair and reasonable

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Citibank Dividend Credit Card offered 5 % cash reward for car rentals and airlines purchases from XX/XX/XXXX to XX/XX/XXXX. 

Citibank sent out email to me and I activated the Offer via email one click. 

I made purchases of car rental in XXXX and XX/XX/XXXX totaling {$180.00}, and purchased airline tickets in XX/XX/XXXX totaling {$1100.00}. 
The total purchase of car rental and airline is {$1300.00}. The total reward should be 5 % of total purchase equaling {$67.00}. However, Citibank only gave me {$13.00}. The difference is {$54.00}. 

I spoke to Citibank customer service center in XXXX. The first employee didn't know what I was talking about, then I was transferred to XXXX, who is a supervisor. After I explained to her what the reward offer was, she told me the travel reward offering was for XXXX, not XXXX. I told her the website which has the reward calendar, she insisted I was wrong. When I asked to speak to her manager, she insisted that no manger is available.

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 2023-01-13
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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 and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please 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 and pursue legal action. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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 and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please 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 and pursue legal action. 

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 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 2021-09-21
Company: Experian Information Solutions 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:
I XXXX XXXX am submitting this complaint myself and there are no third parties involved. XXXX, XXXX and Experian are in violation 15 U.S.C 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) Furnishing reports in connection with credit or insurance Transactions that are not initiated by the consumer ( 1 ) In General a consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of the subsection ( a ) ( 3 ) in connection with any credit or insurance that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( b ) ( i ) the transaction consists of a firm offer of credit or insurance ( 3 ) Information regarding Inquiries Except as provided in section 1681g ( a ) ( 5 ) of this tittle, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with credit or insurance transaction that is not initiated by a consumer. I the natural consumer never authorizes or initiated .This shows pursuing to 15 U.S. Code 1681e - Compliance procedures Experian, XXXX and XXXX XXXX in violation of section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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