BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-30
Company: EQUIFAX, 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 recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I can appreciate the bank letting me overdraft at times to cover some of my bills but I think double and triple fees on the same over draft can be over charging a consumer I

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-29
Company: Performant Financial Corporation
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019 when I was FIRST notified of this debt via a hold against the funds in my checking account, I reached out to XXXX XXXX and attempted to make arrangements to repay the debt via suitable arrangements per the rep XXXX, in my cooperative attempt I gave my info and employment info and was told can't make arrangements or even discuss the matrix or criteria of making arrangements until the amount of funds on hold with my bank was verified and she would return my call. No call was returned so I contacted her again and was told half of the debt over {$2100.00} was needed as a down payment although here were questions asked what could you make as a down payment. I offered {$200.00}. She denied. And respectfully I asked for supervisor mame. When I called XXXX XXXX the rep I spoke with advised me neither supervisor was available and that the debt doesn't have to be validated with me and a garnishment order has been sent to the employer that I had provided and that a supervisor will return my request for a call back today ( XXXX at XXXX XXXX. I have had no communication with them about collecting this debt.via mail or written

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 2018-03-26
Company: First Advantage LNS Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I contacted National credit audit requesting a pay in delete agreement. When I spoke with the individual XXXX she read my the attempt to collect verbiage on my first call I told her my concern and asked kindly if she could help. She said they could pay to delete if fully payment was received, I indicated I did not have the funds for the full amount owed and would be willing to settle to pay to delete. She said well we cant do that. I said wel I can not afford to pay the debt in full unfortunately. She said well thats the only time we will offer this to you with attitude. I said well thats a little rude. She then proceeded to say no youre rude for not paying your debts. I felt very attacked and asked for a supervisor. She stated no one was available and hung up on me.

I called back again and asked for a supervisor but was transferred to XXXX again about 5 minute later. She said no XXXX theres no supervisor and in the beginning did not read the attempt to collect verbiage. I said that is not allowed to my understanding and you shouldve read it first. I believe she violated the collection laws by not reading the verbiage but also attacked me for being kind and honest in that I could not afford to pay today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I asked XXXX  and Equifax to confirm and or remove a Chapter XXXX off my credit. It has been removed by XXXX. The bankruptcy will be 7 years old in XX/XX/XXXX. On previous reports they indicated that it would be removed by at least that date. Then they told me XXXX - who ever that is confirmed the bankruptcy was correct. that was not my request nor did I get the report I request from they by a XXXX XXXX. I have corrected my credit and on the right track since XX/XX/XXXX. On my credit report Equifax has the file date as XXXX/XXXX/XXXX - a mistake ; it was filed XX/XX/XXXX If one agency can remove this why can XXXX and Equifax. Especially with the recent breaches of millions of credit report. why would an unknown company have access to my credit file who or what is XXXX XXXX XXXX. Now that I'm looking at my credit all XXXX did was pull my credit report because they are on they as an inquiry. It's unbelievable these company are having another company pull my credit report to verify my credit report that they are report. HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XXXX at XXXX XXXX. received emails from Bank of America ( BofA ) to confirm my email address ( I did not ) and that my credit card application had been received ( I did not apply ). I also got a text and email from XXXX that there was a new inquiry from BofA. I attempted to contact BofA but could not reach a person due to not having account information with the bank myself to get started with the telephone prompts. I called XXXX who wanted me to try to resolve with the bank first. ( Both XXXX and XXXX blocked the inquiry because I had those accounts locked. ) At XXXX XXXX. I received an email from BofA that my credit card application had been approved. So I drove to a local branch who gave me more telephone numbers to call. I finally reached a person but it was the wrong department, was given another number to call but now I had to wait until the next day due to the time difference and their hours. 
On XXXX I reached a person who was able to help me, ultimately gave me a XXXX XXXX and confirmed that the mailing of the credit card had been stopped. Further, this person initiated a " Credit Bureau Dispute '' on my behalf. 
At XXXXXXXX XXXX. another email from BofA came in that I did not see until the morning of the XXXX, telling me the new credit card had been mailed to me and the address it was mailed to ( not mine of course ). 
On XXXX I contacted my local sheriff 's office and an officer came to my home to take my complaint and assigned a Case number to it.

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 2021-04-07
Company: Experian Information Solutions Inc.
State: AZ
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:
Paid off a debt sent them proof they won't remove it off my credit also have my mom 's bankruptcy on there that shows her birthday her social but yet they won't remove it I also have three phones bills that I never had and I'm not sure how to remove them

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 2020-05-07
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2020, I [ XXXX XXXX ] made a second attempt to resolve a debt in the amount stated by a representative of XXXX XXXX XXXX ( {$2300.00} ).  Previously, I received calls from this company asking me to verify personal information prior to discussing why they were calling ; the representative doing the initial contact stated my account [ XXXX ] is with their legal department, the day I contacted them the same line of inquires from the representative was deployed. I felt pressured and uncomfortable verifying my personal information before anyone would discuss this account. the tactics is an attempt to gather additional information on individuals. After this information was confirmed by me, and my financial status known the representative knowing my inability to pay the total amount informed me the only way I would be able to set-up arrangements was to make a deposit of {$710.00} at {$50.00} a month. Initially, I informed contact I realistically couldn't afford anything above {$25.00} a month. This company wants to set the terms and amount of any potential agreement. It's my understanding that The Fair Debt Collection Practices Act ( FDCPA ) says debt collectors can't harass, oppress, or abuse you or anyone else they contact.

Harassment by a debt collector can come in different forms. Examples include repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone ; obscene or profane language ; threats of violence or harm ; publishing lists of people who refuse to pay their debts ( this does not include reporting information to a credit reporting company ) ; and calling you without telling you who they are. I'm requesting fair treatment be granted, tradeline be removed from credit files and credit files be updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX REFUED TO INVESTIGATE AND ACCOUNT THATS DO NOT BELONGS TO ME BUT WAS USED TO PAYA XXXX ACCOUNT FROM XXXX ACCOUNT CLEARLY NOT MY ACCOUNT XXXX SAY I AM4 MONTHS BEHIND ON PAYMENT MY SCORE DROPPED 50 POINT THIS IS NOT MY ACCPUNT NEITHER ONE

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 2018-03-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I received a XXXX Credit card in my name in the mail. I called the fraud dept and was told that since I was added as an authorized user to an account, my ex husband added me without my permission, I would be responsible for any unpaid balance and it would be reported on my credit. I was also told that I could not remove myself from the account even though I didn't sign up as an authorized user. He was my ex fiance and knows all that information so how can I be held responsible because he added me as an authorized user and doesn't want to pay his bill?

The Fraud department states the all you need to add someone as an authorized user is their SS number.

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 2018-03-22
Company: American Accounts & Advisers, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
American Accounts Advisors Inc. Is incorrectly reporting 5 collection accounts to the credit bureaus. 3 are in the amount of {$50.00}, 1 is for {$44.00}, and the last is for {$14.00}. They were all opened on XX/XX/XXXX, yet i have never received a notice or a phone call. They have also falsely reported the {$50.00} 3 times, which is an error. They most recently fraudulently reported this information on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: CITIBANK, N.A.
State: WA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, I was contacted by the Citi fraud department because they detected fraudulent charges on my account. I reviewed all of the charges made that day and confirmed the charges they flagged were fraudulent, including : - XXXX, XXXX, for {$1300.00} - XXXX XXXX, XXXX, for {$1900.00} - XXXX XXXX, XXXX, for {$3200.00} - XXXX XXXX, XXXX, for {$3400.00} - XXXX XXXX XXXX, XXXX, for {$4200.00} They refunded the charges while they conducted an investigation. I had my credit card in my possession, so they cancelled the card and issued a new one. I talked to their fraud department two more times and answered all of their questions for the investigation. 

I didn't hear any updates until I saw the charges from XXXX, XXXX, XXXX XXXX and XXXX back on my XX/XX/XXXX statement ( attachment 1 ). I had been traveling for two months out of the country and have my account on auto-pay so hadn't really been watching closely. I called customer service to ask why those charges were back on my account. The customer service representative said they might have mailed something to me, so while on hold I checked my mail from Citi and found a letter from them saying they were not refunding the charges because I had the card in my possession ( attachment 2 ). 

When I was connected to the fraud department they reiterated the information in the letter. I told them that the charges were definitely fraudulent and reminded them that they were flagged by their own fraud department, and the representative said that she would reopen the case but that, " They likely won't refund the money since I had the card in my possession. '' This was very frustrating since it's more than {$12000.00} in fraudulent charges! I live in XXXX and the charges were made in the surrounding areas. I don't know if they have the timestamps for the other charges or if they have reached out to those vendors, but I also made charges in XXXX that morning on the same card. It's not possible to be two places at once. I also rent an apartment, and if they compared these charges to my usual activity they would see that I have no use for tens of thousands of dollars of building supplies. Oddly, they did find the charge from XXXX fraudulent and took that charge off my account. 

I filed a police report with the City of XXXX and the case number is XXXX ( attachment 3 ). 

I am hoping you can help. This is a very frustrating situation, and I am not confident that Citi is willing to help 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 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to get my credit pulled for a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I saw my report I was caught off guard on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these unknown items from my report : XXXX. XXXX, XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX. 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 explanation
Consumer complaint received 2020-06-25
Company: EQUIFAX, INC.
State: LA
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 XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXXDispute XXXX XXXX  XXXXUnder Dispute XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX COUnder Dispute U.S. DEPARTMENT OF XXXXUnder Dispute all ftc

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: First Technology Federal Credit Union
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I had opened a checking and savings account at First Tech Federal Credit Union. After a few months of " inactivity '' the credit union began charging me {$5.00} per month as " inactivity fee. '' When I logged back into my account, I found that my balance had decreased substantially due to the " inactivity fees '' a total of {$50.00}. 

I called First Tech and asked for a refund, but they refused.

I find that First Tech 's policy is XXXX  to theft. They have no right to take borrowed money from me and appropriate it to themselves simply because it sits in their institution. Isn't the point of banking to lend money to the institution and leave it there?

I opened an account with First Tech thinking that it would be different from big banks that charge fees. I'm disappointed to see that I was mistaken.

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 2022-08-10
Company: Second Round Limited Partnership, Austin, TX Branch
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, This is a different collection company but the same debt that I disputed years ago on CFPB. I contacted all companies concerned last time before contacting cfpb. It disappeared from credit reports back then and hasn't reappeared, yet. 

Amount : {$890.00} Collection Company : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. XXXX, SC XXXX XXXX XXXX  Reference # : XXXX Original Creditor : XXXX XXXX Current Creditor : XXXX XXXX XXXX XXXX Please let me know if you need anything else. 
Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SPS Loan # XXXX My loan had been with XXXX XXXXXXXX XXXX for the past 15 years. It was recently transferred to Select Portfolio Servicing - SPS. I got the notice of the servicing release from Bank XXXX XXXX as well as the Notice of Servicing Transfer from SPS. The transfer was effective on XX/XX/2022 and I am due for the 8/1 mortgage payment. I have revied the fee schedule for making an online payment but have not been given a grace period nor an opportunity to set up automatic payments to avoid any such fee. 

I tried calling and they said that this is their standard fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: Williams & Fudge, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I attended XXXX XXXX XXXX University, located in XXXX, Texas, in the fall of XX/XX/XXXX. After attending the school for a little over 3 weeks, I decided to resign from the university simply because it was n't a good fit for me. I set up a payment plan with the university to pay for my tuition and paid the first installment while I attended the university. About a year later ( XX/XX/XXXX ) a  collection agency calling on behalf of the university says I still owe the university {$2500.00} for the rest of my tuition and the months I did n't attend the university.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: Thaxton Investment Corporation
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
My husband and I have consolidated our loans and the consolidation company has already began payments, but one of the loan companies included in the consolidation keeps making harassing phone calls to both of us as well as friends and family. They have accepted the payment made by the consolidation company but insist on still harassing us in this manner. What can be done to stop them from calling not once a day but repeatedly throughout the day?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
there are 8 inquires from capital one that I didn't consent to and they need to be removed from my credit file the dates for the inquires are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these need to be removed from my XXXX  credit report

Company response to consumer: Closed with explanation