BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was taking avenger of by your company which server laws of malpractice under the FCRA being broken which has in fact hurt my ability to apply for credit which has cause me defamation of character and hurt me financially

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 2019-09-16
Company: Experian Information Solutions Inc.
State: AL
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:
I received a copy of my credit report and found the following item to be incorrect. I did go to the hospital and get this service. However i had insurance to cover the entire bill gave them the card as well. I provided my insurance card but somehow my credit report showing a collection from this account. They didn't properly handle my payment with the insurance card and made a huge mistake which is hindering my credit worthiness. I still have this same insurance as of today. They didn't bill the insurance company at all. I know i do not owe nothing because my insurance covers 100 % of everything medical.

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 2018-12-27
Company: CITIBANK, N.A.
State: FL
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:
I had a Citibank credit card for several years which I cancelled in XX/XX/2018 XXXX last 4 digits of card were XXXX XXXX. There was never a late payment during this period although balances frequently ran in 4 figures ; during this summer I was allegedly late by 1 month on a {$57.00} balance. I spoke to Citibank employees both at their branch in XXXX XXXX, XXXX and over the phone, and was led to believe that they had agreed to waive late charges and interest on this account in return for my paying 2 merchandise charges which the bank had accepted after cancellation of the card -- the bank did not honor this agreement. I have received constant bills for late charges and interest on this {$57.00} transaction, and these have now totaled over {$100.00}! In addition, I now receive almost daily robot calls harassing me for payment. I am XXXX XXXX XXXX and have certain XXXX conditions which are exacerbated by this constant harassment by Citibank.Their charges are obviously excessive, and as a matter honor I will not pay them. I will cancel my checking accounts at Citibank and want assurance that this annoying invasion of my privacy will ceas

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 2020-08-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i have notified Experian a few times that I am a victim of identity theft, and in return they keep sending me the same exact message, i have sent my FTC my social security card and identification numerous times also

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 2020-06-27
Company: EQUIFAX, INC.
State: FL
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 was successful in proving to XXXX some of the erroneous errors on my credit. While they were in violation of not doing it before they have corrected it. XXXX received the same evidence and has failed to remove the errors. They sent an email with result but each time I click on the link it loops around I attempted to change my password to no aviail. I attempted to call to no avail. XXXX removed 2 collection items so far ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: Reese Law Group
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Around XX/XX/XXXX i received a wage garnish notice at my job. in the amount of XXXX i was beside my self so i call the number for Reese Law Group to find out it was for a car that was repossed in XX/XX/XXXX. I told them why didnt you get ahold of me in XX/XX/XXXX. they said that they did with a court summons ( i never recieved ) so to make the story short i went to court in XX/XX/XXXX did not understand anything. i gave the lawyer for ( XXXX XXXX XXXX ) my pay stub for a year to show them that i can't pay {$500.00} a month. then i didn't hear from them until about 3 weeks ago now they want XXXX. my question is can a Law Group sit on a judgement for 9 years so it will collect interest then garnish my wages.

I don't think its right to do that to a single XXXX  year old woman that lived pay check to pay check. they say its all legall to do what they are doing to mr .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
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 had previously complained to Equifax, on XX/XX/2019, about a fraudulent/erroneous address of XXXX XXXX XXXX appearing on my credit report. Equifax refused to remove it by simply ignoring my letter of complaint. 
FIRST COMPLAINT to CFPB ... ( Equifax took 58 days to respond. ) On XX/XX/2019, I submitted a complaint to the CFPB concerning this fraudulent/erroneous address of XXXX XXXX XXXX and Equifax responded on XX/XX/2019 by stating that the address of XXXX XXXX   XXXX had been DELETED ... ..Equifax LIED XXXX .They NEVER DELETED the fraudulent/erroneous address of XXXX XXXX XXXX and the address WAS STILL ON MY CREDIT REPORT. 
SECOND COMPLAINT to CFPB ... ( Equifax took 55 days to respond. ) On XX/XX/2019, I once again filed a complaint with the CFPB concerning this fraudulent/erroneous address of XXXX XXXX XXXX STILL appearing on my credit report. On XXXX XXXX, 2019, Equifax responded by once again stating that the disputed address of XXXX XXXX XXXX had been deleted. Equifax also stated that If you have any additional questions or concerns in regards to the updates made to your Equifax Credit Report, please refer to the mailed revised copy. 
This is my THIRD complaint to CFPB about this issue with Equifax. 
Equifax has once again LIED as I have never received a revised copy of my Equifax Credit Report and it has already been 10 days since they said they mailed one. Without a copy of the revised credit report, I have no way of knowing if the fraudulent/erroneous address of XXXX XXXX XXXX has actually been deleted or not. 
Equifax is in serious need of government regulation as they repeated lie and repeatedly, and unnecessarily, delay their responses until their 60 day deadline has nearly expired. This particular complaint has been continuing since my first letter of complaint on XX/XX/2019 ... almost 6 months!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-11
Company: WELLS FARGO & COMPANY
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX my mom called XXXX  XXXX  support from my telephone. While on the phone with XXXX  XXXX  the other party went into my acct and made 3 transactions of XXXX, XXXX and XXXX . There was another wire transaction for XXXX . The  only reason I found out about it was because XXXX  XXXX  emailed me telling me that my XXXX  XXXX  acct was unlinked from my email acct. I called the bank immediately after the email. It was within an half hour of the transactions. The bank opened 5 fraud claims. They gave me half the money which was XXXX $ and told me the other half is my fault for downloading the XXXX XXXX. I've had XXXX XXXX  for years and have never had this problem. Wells fargo usually emails me if I spend even XXXX. All of a sudden they stopped emailing me. When I called the bank, the bank told me that the hackers hacked my online acct and registered my wire transfer to transfer money and and then unlinked my online banking. I went to the XXXX police dept and got a police report as well as printed out paperwork showing what happened. The police officer told me he would give the paperwork to the fraud detectives. Please 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 explanation
Consumer complaint received 2020-10-11
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received several call and mail from XXXX XXXX XXXX XXXX. 
phone # ( XXXX ) XXXX associated with Synchrony Net work ( XXXX ) XXXX I got to an agreement if a paid a settlement amount they will stop contacting me, clear my record from all 3 bureaus, so I have paid the settlement of {$1500.00} on XX/XX/2020, I have received the letter that I have complied with settlement. my complain is about the agreement to clear and removed account from all 3 bureaus, this has not been done and even though I complied with settlement they haven't.

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 2018-12-27
Company: Riverwalk Financial Corporation
State: KY
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
The account was through XXXX XXXX and it was an auto loan and it was repossessed. XXXX XXXX XXXX is the owner of the debt apparently and they had XXXX XXXX XXXX XXXX XXXX, which seems to be a scam group, call me and threaten me. Said that they were going to file a criminal case for fraud against me. Threatened me, used vulgar language with me, called several family members and aquantainces and gave them personal information about me and the debt. Spoke to my dad at length with no permission. Gave him account numbers, amounts. Left personal information about me on several peoples voicemails, which i still have saved. They called back to back numerous times. I never received any information in writing, they said they mailed a ton of documents to an address i haven't lived at in 3 years. Yet, my address where i live now, is where the vehicle was picked up at. So my current address was updated. Then they refused to send me any documentation or proof of the debt in question. a guy i spoke with told me " I just really don't know what kind of documentation you want. I'm telling you now what you owe ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: CITIBANK, N.A.
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:
In Summary, I have excellent credit. I rarely get hard queries on my report because I'm very sensitive about doing credit pulls. I went to XXXX XXXX and my wife wanted to buy something. They offered me an additional 25 % on the purchase if my XXXX 's account was inactive. I said what does that mean, they responded, if you're account hasn't been used in a long time ( undefined at the time ) you could be eligible. I said sure is there an easy way to find out. They said yes. I explicity stated there is not credit pulls on this, is there - they said no. I said great. Then they noticed my card was expire or wasn't updated because new cards have a chip. They said we can reissue you a new card. At this point i got home and received a new card in the mail and sure enough, i got an alert from my credit monitoring company that XXXX XXXX XXXX ran credit on me WITHOUT my consent. I have emailed and called XXXX 's about this with no response. I will be pursing legal action on XXXX 's if they don't get this remidated. I noticed i could file a complaint with CFPB because i'm sure others went through this exact process and this is plain freveloous not letting customers konw they are doing a credit pull without the express content of their customers.

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 2020-06-27
Company: Experian Information Solutions Inc.
State: FL
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 was successful in proving to XXXX some of the erroneous errors on my credit. While they were in violation of not doing it before they have corrected it. Experian received the same evidence and has failed to remove the errors. They sent an email with result but each time I click on the link it loops around I attempted to change my password to no aviail. I attempted to call to no avail. XXXX  removed 2 collection items so far ....

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 2022-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
in accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
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:
There are a couple of creditors listed on my credit report that do not belong to me. I have reached out to them and they stated that I would have to dispute the information with the credit bureaus and it will be removed as they will not give me a letter stating as such. Please remove these accounts that are not mine from my credit report. Thank you. 103 Claims true identity fraud/account fraudulently opened.

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 2020-06-27
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have recently received an email and a letter claiming to be from American Express. Both the email and the letter are totally and completely untrue. I would like to report being lied to by American Express. I have attached both documents for your review. Both pieces of correspondence relate to a Bluebird account AmEx turned off on XX/XX/20. As I type today, XX/XX/20, the card STILL DOES NOT WORK, the app on my phone STILL DOES NOT WORK, and the AmEx website STILL DOES NOT WORK. I do receive an email every Sunday telling me how much money there is out there with my name on it that I am not allowed to use. These emails strike me as being a little perverse and cruel. Thanks! Stay Safe!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: CAINE & WEINER COMPANY, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I am a victim of identity theft. Someone rented a car in my name and I am not sure what happened to it, presumably they crashed it. The debt for that rental car was passed along to collection. I have emailed the collection company police reports and explained that I am not the person that is responsible. They call me multiple times daily threatening me with jail and telling me that they will take steps to ruin my life. I am being harassed and I am the victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: BBVA FINANCIAL CORPORATION
State: OK
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 contacted the servicing company for my auto loan BBVA Compass today because on my online account it shows I am past due since XXXX. I was in a car accident in which my insurance company released funds in the amount of {$6800.00} directly to BBVA Compass and all funds posted to curtailment on XX/XX/2018. I contacted BBVA compass mid-XXXX to inform them that I would like the funds posted towards XXXX 's payment and the remaining balance to curtailment. The agent informed me that he would open the request to have that done. I was not notified that this was not an option nor was I told this would be an issue. When I contacted them after noticing my account status, the agent informed me their accounting department closed the request to post funds the same day it was opened due to the fact that the funds were from insurance. I was never notified nor was a letter sent to me to inform me I was more than 30 days past due on my auto loan. The company has informed me they are not aware when this will report to my credit and this will not be resolved in a timely matter as I have to wait up to 4 days for a manager to contact me to discuss the issue. I would like this investigated and my credit report to be corrected if this is reported as a derogatory mark as the company should have posted my funds accordingly as I requested, or notified me if there was an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: Debt Recovery Solutions, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
The information contained within this file is incorrect. The reported balance that XX/XX/XXXX is reporting is inaccurate. They are also not the rightful owners of this debt. When XXXX XXXX  closed the FDIC assigned this debt to be handled by the US Government. A formal complaint has been filled against XXXX XXXX, XX/XX/XXXX and the Credit Bureau.

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