BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: PA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : 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 has violated my rights. 15 U.S.C 1681 section 602 A. States have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I disputed these fraudulent accounts multiple times and they are still being furnished on my credit report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. 

I have never authorized or have express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you have no permission purpose without my consent pursuant to 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX, BoA told me that they would refund three months worth of the monthly maintenance fees I was charged.

They send me a check for the incorrect amount when I requested my account be closed.

They told me on XX/XX/XXXX that because my account was closed, they were unable to correct their check issuance error and as a result they were keeping my money. 

They informed me that they did see that I was told the fees would be refunded, but that they had no way to give me the funds. 

It's absurd and should be illegal.

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 2019-03-09
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I was not able to receive assistance from Equifax on creating and accessing an online account. I failed my identity check and was very concerned that someone had stolen my identify. 

I immediately called their provided phone number to setup a credit freeze and renew my fraud alert. 

The first representative was ( I think ) helpful. According to her, I was able to setup the credit freeze and fraud alert. However, strangely, I setup XXXX XXXX the following business day. XXXX XXXX hit the credit freeze I setup with XXXX XXXX ( same day as Equifax ), but did not hit the credit freeze for Equifax. This leads me to believe Equifax did not faithfully carry out its responsibilities under the FCRA. 

I was transferred at least 5 times with each individual apologizing that they did not have access to help me get into my online account. When I asked for a phone number from 3 of the 5 representatives : One representative gave me the general customer number, XXXX, which was not helpful. 
Second representative gave me the following number, XXXX, which the final representative I spoke with mentioned they could not find that number listed in their directory - not helpful. 
The final representative then gave me XXXX. This is one digit off, which I question is a working number. 

On top of all this, I was speaking to people that were in the XXXX. However, I judged this based on my experience with the accent. The final representative was not intelligible. I had to repeat what I thought she said to confirm whether what I heard was correct. Considering the sensitive information citizens have to provide, why wouldn't you spend the necessary money to hire good ol' fashioned Americans?? 

And when will we finally receive proper protections from these American credit reporting agencies that seemingly have no regard for the well being of Americans? At minimum, shut down Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: WI
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:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2019-11-11
Company: M&T BANK CORPORATION
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, the mortgage company informed me that my mortgage was in foreclosure status and I had to pay the full past due amount of {$9500.00} via XXXX XXXX to keep my account from being assigned an attorney. On XX/XX/XXXX, I paid {$9500.00} via XXXX XXXX. The payments were broken down into three payments {$4000.00} - {$1500.00} - {$4000.00}. I had to break them up because XXXX XXXX will only allow you to send a specific amount at one time. All of the payments were sent on the same day. I called the mortgage company from XXXX XXXX and provided them with the tracking numbers. This should have made my mortgage current with my next payment due in XX/XX/XXXX. 
I called the mortgage company about a week and a half later because I did not see my account updated in full ( missing {$4000.00} ). The mortgage company stated they needed to do research on the payment in order to locate it. I have called almost every other week looking for a resolution. The mortgage company has told me on at least three occasions that they were going to initiate a new research on the payment. On XX/XX/XXXX, I inquired as to why it's taking so long to update my account. On XX/XX/XXXX, the mortgage company stated they were waiting for me to send in receipts. However, no one ever asked me for receipts. I then hung up the telephone with the bank and immediately faxed all of the receipts. I followed up with a telephone call the next week to inquire about the status. I was told they received the receipts but again that they needed to research it. On XX/XX/XXXX, I was informed that the research was completed but the money was not located. I then questioned the whereabouts of my {$4000.00}. I was told they were going to research the payment again. On XX/XX/XXXX, I was informed that my {$4000.00} was sent back to XXXX XXXX on XX/XX/XXXX and my account is still behind. XXXX XXXX informed me that the {$4000.00} check they sent to the mortgage company was cashed and they do not have a record of the monies being returned. 

Concerns : Only two of the three payments were posted in XX/XX/XXXX although all three payments were made together. 
The mortgage company cashed the check with the missing {$4000.00} Why would the mortgage company send the money back on XX/XX/XXXX instead of posting it to my account Why would the mortgage company continue to say they couldn't locate the funds when in fact they cashed the check. 
How can they send my mortgage back into foreclosure status when I paid the money as agreed.

This is still unresolved almost four months later, my {$4000.00} is missing and they have stopped applying payments to my mortgage. 

I'm concerned about sending them more money.

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 2019-01-09
Company: Diversified Consultants, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had contacted XXXX and told them the debt is not mine and that I never had service with there company and have yet received any documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: Bread Financial Holdings, Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I have been getting calls from an unknown number every morning and throughout the day beginning at XXXX. Today XX/XX/19 I answered the call at XXXX MST and found out the call was from Comenity Bank . I asked the representative did she realize she was calling me at XXXX and that violates FDCPA. The representative stated that the company can call starting at XXXX which I know from prior experience that they should not be calling before XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I'm writing to inform the CFPB that the debt collector has failed to validate my debt that they claimed I owe. I had requested for the debt collector to validate my debt. I sent a validation letter to the debt collector on XX/XX/2023. I requested for them to send me the complete payment history, Agreement that bears the signature of the alleged debtor, Letter of sale, and Intimate knowledge of the creation of the debt. The debt collector failed to send me this information. I will attach the letter I sent the debt collector and it will have more details regarding my validation I sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: DISCOVER BANK
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment on XX/XX/19- I have the prrof of the call on my call log- I also have a confirmation number at home- however I am currently out of town on buisiness. I went to a resturant for my lunch and after my meal my card was declined. I called and asked why the card was not approved and they said my payment was past due- I advised I made a payment and they asked if it went through my bank account- after checking I said it did not. They said if I made a payment I could make my account active. I made a {$350.00} payment over the phone and they said my account was still unfortuently locked and that I would not be able to use my card for 24 hours until it cleared. I have been out of town for work and they are leaving me stranded with no money. I have been an excellent paying cutomer for 2 years with payment on time every single month and there is nothing they can do to help when their system caused the issue. I am not a fan of discover and I will be sure to let everyone know how bad their customer satisfaction is -- especially for a one time occurance. And not to mention the " missed payment '' is 4 days " late '', so not being able to unlock this acocunt that has always been in good standings is a little excessive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-01
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:
YOUR RESPONSE HAS TAKEN MORE THAN 30 DAYS DELETE ACCOUNTS AT ONCE. Please Follow Suit and remove the following accounts from my credit report ASAP. If you fail to due so you will be breaking the FCRA rules and laws. In this complaint I will attach a follow suit letter. Proof of XXXX deletions, and the original letter which you failed to respond to within 30 day time period will be all be attached to this complaint. As a result you guys must delete these accounts due to privacy consumer rights at once. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL ACCOUNT HAVE BEEN REMOVED FROM OTHER BUREAUS PLEASE REMOVE AT ONCE.

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 2020-09-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I was told that I was given a wavier period and for a couple months my account said that nothing was due. I had no idea when the waiver period would end. I was stunned that out of the blue today XX/XX/XXXX I got a call saying that my card is over {$400.00} due. I got high interest fee charges and a fee charge in XXXX I didn't know about. I have found the communication and the explination from citibank to be very poor. This is so frustrating that when I am doing paying this card off I will no longer bank with citibank ever again. The bank is very unhelpful even when the person called me today to say that {$400.00} due on my account. They should not have waited until {$400.00} was due to let me know. I had no idea the card payments were going to stop in XXXX and I would be charged. The communication by citibank was very poor.

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 2021-09-27
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This has began to be a problem. I am in an XXXX XXXX and XXXX XXXX XXXX XXXX, they call me. I was not sure, what type of company they were, and their shady practices are questionable. I thought it was a transportation company. I called back and asked, what kind of company they were. I thought it was my counselor from the Veterans ' Affairs, but it was this company called Transworld. Upon calling back, they refuse to give me any information about their business, but as the have called my number they are asking to give them my personal information. What kind of business calls and asks the person who calls back for personal information, but attempts to put the caller to coerce to obtain information from them without telling them what kind of business they are? I am assuming it is a collection agency- the person on the phone said to me : " If you tell me your name, I can look you up, then I can tell you what this is about ''. Me asking him again and again, what kind of business it is, because I simply would like to know, there are tons of scammers out there, who are attempting to scam XXXX XXXX. It was absolutely unnecessary and rude not to give me their information, as I do not know, who these people are and they call me from different numbers. They are called Transworld, so I have not looked them up yet, I am not sure, why they keep on calling during my work hours, which is me being in school on my phone and refuse to give me their name of their business nature or the nature of their call. I do not have a problem communication over my phone, but I do have a problem, that these people call me and refuse to identify themselves, when I call them back. I was in a meeting today, and they called me again! I am unable to answer the phone during meetings, but they called me up to three times a day. 
This feels like a form of extortion, trying to coerce the caller to give out information. I do not volunteer such information, they have called me to begin with and need to tell me the nature of their business. 
I just want them to stop calling me, as they refuse to tell me who they are and are coercive trying to extract information. Even though I blocked their phone numbers, they find a way around it, to call me. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
I am not familiar with the following addresses that is on my report, this is an improper use or reporting of my credit, kindly remove the following addresses because they do not apply to me. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Bread Financial Holdings, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I spoke to a representative regarding a final loan payment on my account balance of {$1100.00} which I found out the payment was used towards another loan that I have with this company. The representative XXXX stated " that is the way it is done when you make a payment it goes to all your loans ''. So, there was nothing he could do about it. I asked to speak with his supervisor XXXX, who reiterated there was nothing they could do. But since I have been such a good customer, he could remove a mere {$5.00} of interest charges that had been applied. I feel like I have been deceived and this company engages in false practices. I am reaching out to you in hopes that you can assist me and be made aware of this company 's practices while doing business in the State of California.

To explain further, I have a total of three loans promotional plans with this company. Each loan has its own promotional pay off date. My first plan ( dated XX/XX/XXXX ) however due to the covid-19 I called and spoke to a female representative ( name unknown ) in XX/XX/XXXX and was granted a 90 day extension. 
hence providing me with a new promotional pay off date XXXX XXXX in the amount of {$1100.00}. However, this company applied {$68.00} to another plan pay off date ( XX/XX/XXXX ) and {$140.00} to another plan pay off date ( XX/XX/XXXX ) which left {$950.00} towards the loan that I called in to pay off and they state that because the {$1100.00} was not paid off in full I still owe them {$230.00} for which I was not aware of nor told by the representative when I called in to make that pay off payment. 
Thank you in advance for your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2022, I mailed Capital One some documents pursuant to the Fair Debt Collection Practices Act that I have attached for reference and they have completely ignored me. They still send monthly statements demanding payment from me, but have failed to respond to the letters sent to them. 
I am aware that Federal Law supersedes State law in this matter and they have violated many Federal laws. 
If they try to come back and say that the above mentioned section does not apply to them here is the definition of debt and debt collector : 15 USC 1692a ( 5 ) debt : means any obligation or alleged obligation of a consumer to pay money 15 USC 1692a ( 6 ) debt collector : means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose is the collection of any debts. 
Considering those two definitions Capital One qualifies because each monthly statement that they send, they are alleging that I am obligated to pay that AND they are using the mails to send those statements. Also note, that Capital one principal purpose is to collect on any obligations alleged or not. 

I am also aware that Capital One is not apart of the exclusions section. I am the one who originated the credit because without me filling out the credit application, the credit would not be there.

Company response to consumer: Closed with explanation