BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Me and my son went to do our oil change in the XXXX dealers, and we were invited to see the new cars without any process and we said that we only want to look and check the prices, and the manager give us the price but for us it was too high and that we were okay with the car that we bought from them and we dint give any personal and we dint gave permission to record our credit, we dint sign any documents either. Couple days later me and my son got a letter saying that where they said they declined the credit we ask by 3 difference companies ruin our good credit score. we never ask to refinance any car only to look at the cars, were we feel they stole from us running our credit without permission and take out our information from our previous car we buy from them. we went to talk with the manager and he told us he was gon na fix it by certain day, that day has past and nothing have been fix. We try to fix it our self by calling the 3 companies, but each time we call they send us directly to their website and in their website tell us to contact by phone and repeating the same process. that 's why we are making this complaint cause the XXXX or the 3 companies are not fixing until today. i hope I 'm being attend as soon as possible. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: CITIBANK, N.A.
State: WI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Attempted to open a CITI BANK Savings account in XX/XX/2019. This was online. Apparently CITI BANK did not make the fund transfer. Today I receive an OVER-DRAW call from CITI BANK on an account that was never consummated. XXXX DOLLARS is the Grand Total of amount put into said account. Said account number is????? .... I have no idea because I have never received anything with Savings Account Number. 


Now the XXXX : 1 ) Citi claims there was no banking information input for online transfer. XXXX, I had my daughter and wife were right by me as I entered information when I did this. 
2 ) " Said account '' that I was accessed an OVER-DRAW FEE for was never consummated in any way shape or form. 
3 ) Citi claims they sent a " welcome packet '' as well as " banking information '' letter. XXXX again. Nothing ever arrived. 
4 ) Citi stole my information on the online form. No nothing after I input data. 
5 ) My credit rating takes hit because of OVER-DRAW. Great, I work to obtain well over 800 credit rating ... ... for what??? Or, for who ... ..certainly not the consumer. You know, I have never been offered a better loan fee than what was listed for everyone ... ... funny how that works. Again, who is my credit rating for? 
7 ) Check out CITII BANK " chat window '' that never works '' ...!!!!! 
8 ) MY BAD, the APR was way to good ... .if it sounds too good to be true ... .CITI will XXXX you! 

This is what corrupt banking looks like. And worse yet, Our GOVERNMENT offers no recourse. Banks keep getting away with this XXXX. 

FULL TRANSPARENCY SIGNATURE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI 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 explanation
Consumer complaint received 2017-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Me and my son went to do our oil change in the XXXX dealers, and we were invited to see the new cars without any process and we said that we only want to look and check the prices, and the manager give us the price but for us it was too high and that we were okay with the car that we bought from them and we dint give any personal and we dint gave permission to record our credit, we dint sign any documents either. Couple days later me and my son got a letter saying that where they said they declined the credit we ask by 3 difference companies ruin our good credit score. we never ask to refinance any car only to look at the cars, were we feel they stole from us running our credit without permission and take out our information from our previous car we buy from them. we went to talk with the manager and he told us he was gon na fix it by certain day, that day has past and nothing have been fix. We try to fix it our self by calling the 3 companies, but each time we call they send us directly to their website and in their website tell us to contact by phone and repeating the same process. that 's why we are making this complaint cause the XXXX or the 3 companies are not fixing until today. i hope I 'm being attend as soon as possible. Thank You

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 2019-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XX/XX/XXXX {$36.00} XXXX XXXX XX/XX/XXXX {$160.00}

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 2018-03-27
Company: Financial Credit Service, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A woman named XXXX XXXX XXXX and a XXXX XXXX called my place of employment XXXX and my cell phone XXXX calling repeatedly on XX/XX/18 and prior to that they would call a couple times a day from XXXX x XXXX and calling from spammed numbers or unknown numbers, leaving messages stating that they were sending the police to serve me from XXXX XXXX, or sending units to my home or place of employment threatening to serve me with judgement papers. I asked them to stop calling but they have repeatedly called back to back even after I asked them to stop. I do not know the name of the company. they have also called my relatives as well stating they were sending the police after me etc. I have never received any written correspondence from whoever this company is.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: EQUIFAX, INC.
State: VA
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:
XXXX loan {$2100.00} opened XX/XX/XXXX Dispute dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account still being validated even after confirming with original creditor ( XXXX XXXX XXXX and XXXX ) that no record of this account exists under my SSN. Tried to tell Equifax that balance may belong to my brother and account was misplaced because of name similarities. Account still affecting my approval odds with future creditors. When asked for a supervisor from both equifax and XXXX, was placed on hold. No one ever returned to line.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
These 8 inquiries on my Transuniom report was removed then reinsterted back without giving me a 5 day notice which is a violation I have reached out to Transunion several times, issue still unresolved.

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 2019-04-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On Friday XX/XX/XXXX, I reached out to Wells Fargo to upgrade my credit card to their Cash Wise with the same line of credit that I have had since I was a XXXX in college, 6 years ago. I clearly stated that I wanted it to be an upgrade of the current line of credit as the line I had with Wells Fargo was my oldest line of credit. The person I spoke to ensured that I would be under the same line of credit since everything was done in house. The employee stated I qualified for an upgrade, and I went through an application process. They said they would close my account and open up a new one, but they at no time said this also meant I would have my credit line closed and receive a hard inquiry on my credit score. This significantly impacted my credit score with XXXX and XXXX. I feel Wells Fargo either deceived me or gave me false information pertaining to my credit card upgrade as I would not have approved of the upgrade if I new it would lead to the closure of my oldest line of credit. Wells Fargo is already notorious for illegal practices, and I should have known they would willing deceive me for their own benefit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-04
Company: Experian Information Solutions 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 ; Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$16000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The account balance reporting is incorrect. I purchased the vehicle for {$11000.00}. Shortly after purchase I was forced to return the vehicle because of electrical damage that was not disclosed at the time of purchase. The vehicle was sold at auction and sold for more than what was owed so consequently, there is no outstanding balance due and therefore nothing to collect. We were also owed 95 % of the extended warranty and that was never applied either to the balance. This false reporting of a collection/charge off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 ; Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$16000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The account balance reporting is incorrect. I purchased the vehicle for {$11000.00}. Shortly after purchase I was forced to return the vehicle because of electrical damage that was not disclosed at the time of purchase. The vehicle was sold at auction and sold for more than what was owed so consequently, there is no outstanding balance due and therefore nothing to collect. We were also owed 95 % of the extended warranty and that was never applied either to the balance. This false reporting of a collection/charge off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-05-04
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I visited the emergency room in XX/XX/2019. After that visit for months I received multiple bills for multiple services related to that visit and it was hard to keep track plus I was still mentally reeling from my medical issue. Unfortunately, I discovered that one of the bills went into collection : Transworld Systems Inc. I thought it was paid but received no documentation. I called the collection company ( Transworld Systems Inc ) who promised that if I just paid it there would be no adverse effect. However, I discovered months after the debt was satisfied that they still placed a negative account on my credit report. This is uncalled for after I was assured that my payment would satisfy any issues. When I called to ask that they remove it, they just said they would state that it is paid, which is still unacceptable. Additionally they offered me credit repair services to build my credit back up. This is totally a scam. I know that collection agencies do not have to report anything to credit bureaus, but they totally did as probably some lame attempt to drum up money for credit repair. I have only had one collection in my entire life and it happened at the worst possible time as I am trying to obtain a new mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XXXX I sent a letter to Experian asking incorrect reported items on my credit report to be reviewed and corrected and have not received any communication in over 30 days. FCRA says a response must be made 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 2019-04-26
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I closed my Discover Card account in XX/XX/XXXX. Discover Card continues to access my XXXX   credit report and look for my SSN online, without my permission. I have tried multiple times to get them to stop accessing my credit information but they continue to do so. I've called multiple times to stop this, the latest conversation being at the end of XX/XX/XXXX, where they swore they were no longer looking up my info, and yet I received another email on XX/XX/XXXX saying they had been monitoring my credit report/SSN activity. 

They do not have my permission to do this, I am no longer a customer, yet they continue to look into my private information without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
To start of I made a purchase with XXXX using the prepaid American Express Bluebird debit card. I never receive my package and I was already having problems with receiving the package the next day like i was suppose to. So I contacted XXXX and they kept telling me to take it up with my financial bank that I use to make the purchase so i can get my money back when i filed a dispute. I sent everything the bank would need such as proof of conversation with the rep. from XXXX, police report, tracking information, and the reason why I was filing the dispute. They kept on denying the dispute and suspended my account and said i couldn't get another account with them. From what I was told when banking with a company they suppose to see why i never gotten my package and why the company XXXX took my money I spent and not try to at least send me a replacement for the product. Call XXXX Monday they still don't have any idea where the phone is. So Bluebird refused to credit me the money bank that XXXX basically took from me and Bluebird block my number from contacting them about the charge. I literally had to call on another phone just to tell them that XXXX still isn't trying to return my money. But all Bluebird supervisor could tell me is they can't pull up any information about the account since it is closed. Bluebird was wrong for not trying to help me get my money back. {$1300.00} is waaaay to much money to waste and i refuse to let it just be ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Collection Bureau of America Ltd.
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: Account status incorrect

Complaint:
In XX/XX/XXXX, I became aware of an old utility bill debt I had from XXXX. The debt was from XXXX XXXX XXXX XXXX XXXX and was being collected by the Collection Bureau of America. On XX/XX/XXXX, I paid Collection Bureau of America the full balance owed of {$1700.00} ( see attachment ). The agency agreed to completely delete the collections account when payment in full was made. I satisfied that on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: Oracle Financial Group LLC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
A guy name XXXX XXXX from Oracle 's financial debt collection told me I had to pay XXXX or the court will garnish my wages I block his number because I know I dont owe the XXXX XXXX XXXX no money then the next day a woman name XXXX XXXX said she was his boss and that she from finalization and she need the money or the court will see me I dont know how these scammers got my information my address my phone number my email I dont know how I am very upset I'm gon na to the cops!!!!!!

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 2020-05-04
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I told them they broke the law my giving my personal information about my debt to another individual and we could settle this out of court. They are sueing me for the debt, I filled a counter suite and have an upcoming court date, but collection calls still contine 2-3 calls a day. I have call records, documentations and documents> LVNV funding LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2021, I tried to cash a US Government Army retirement check and was denied cashing the check even though I had 12-13 times the amount of the check in my account blaming it on COVID even though the mask mandate was lifted. As a XXXX XXXX I don't see what COVID has to do with cashing a check. At that point I asked to closed both my checking and savings accounts, I withdrew all of my money and went to another bank opened 2 accounts the same day and they cashed my check with no questions. Then a few days later the branch manager called me and asked if I wanted to keep the account open until transactions cleared, I said fine, I did not authorize any further payments on anything. However, the payments continued. Now I have a slew of overdraft fees. Because I made a transfer to pay the overdraft fees and even the payments that I did not authorize, including the the latest overdraft bill, the bank refuses to close the accounts. I attempted calling the branch as well as their main customer service number and all refused to close the accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-27
Company: CAVALRY INVESTMENTS, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had a dispute with XXXX regarding unauthorized charges & they started an investigation they requested more time but never communicated with me for over 3 years then suddenly I received a Court Summons from XXXXavalry Collection Company to appear in court for an excessive amount & I requested a list of all charges & I have not received same. Cavalry Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: F.H. Cann & Associates, Inc.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/2020 XXXX XXXX. EST My wife and was contacted by an unspecified representative of F.H. Cann and Associates. The representative mentioned the debt was from an unspecified student loan that I listed my spouse as a person to contact. The representative also mentioned that they could provide more information if she gave personal information about me to them. 

Any student loan I have was acquired years prior to meeting my wife and I have had no communication with any company where I either provided her information nor listed her as a contact. This information was false and misleading to gain personal information about me. This is in direct violation of FTC rules.

Company response to consumer: Closed with explanation