BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-27
Company: FULTON FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Recently I opened a money market account at 1.8 %, a rate advertised online. My interest rate quickly dropped to .33. Today XX/XX/2018 I called the bank to see if there was anything they could do. They said no. I went online to search for a new bank account and found this same bank advertising 2.10 %. I called the bank back and spoke to a supervisor XXXX, and again they would do nothing. I said they were leaving me no choice but to file complaints and they said they could not help me with this.

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 2022-11-28
Company: DISCOVER BANK
State: NJ
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 request you provide me with proof of this alleged payment being late. if unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ) Please provide detailed description of all procedures used in your process to determine complete accuracy of information once you have finished your investigation, send me an update credit report to the address above

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: NATIONSTAR MORTGAGE LLC
State: UT
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I make my payment on the last day of each month. When this date occurs on a weekend, Nationstar 's website shows " for the selected loan online payments are not allowed. Online payments cost {$9.00} to make my payment, but to call on the phone to make my payment they charge me {$19.00}. I feel this is discriminatory. This forces me to pay a higher fee to make my payment before the end of the month. To avoid becoming further behind ... or chance referral to foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: HI
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:
Credit inquiries are the most common ways a bad actor, hacker, impersonator, or other entity uses to gain inappropriate, illegal, unlawful, unauthorized, and credit without resent. There has been a warning on my report to not approve such things. My credit report with Equifax is a complete mess, full of inaccuracies, and they have chosen not to deal with it. This is unacceptable. Any fraudulent, illegal, illicit, unlawful, inappropriate, unauthorized, no consent, no permission from myself, XXXX XXXX XXXX is not considered a valid reason to grant credit, credit access, credit inquiries, and other things. These entries should and shall be removed. 

I have been locked out and I am unable to have my account restored, even though I am paying a monthly subscription fee to Equifax. I can not get access. My score reports back as "? '' and everything is hidden, unavailable, or technical errors pop up. I have talked with Equifax many times, I have verified myself over the phone, they have acknowledge they are in receipt of my unlock requests, yet, I still can not gain access to my account, credit report, score, or any other credit related information. I am 100 % locked out and I can not do anything about it and Equifax refuses to resolve the issue,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: Creditors Service Bureau Inc
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received multiple letters & phone calls from Creditors Service Bureau regarding accounts belonging to myself & my wife. Have asked repeated times for verification of debt, asked for debt to be removed due to no debt verification, no recollection of debt etc.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-03-11
Company: CITIBANK, N.A.
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Re : CitiCard VISA complaint Citicard refused to dispute online fraud from XXXX & XXXX ( XXXX ). In a charge posted XX/XX/2019, it said they don't do " quality control '' over rentals such as the one I'd reserved in XXXX, PR. To be clear, a receipt was provided for 700SF room and no one disputed it was switched for 200SF received. XXXX   disconnected 3 calls during my initial check in and then later argued I'd stayed, so there's nothing left to argue about. CITI knew I believed a pattern of fraud based on several reservations made, most were falsely advertised, but they refused to find fraud in that case. 
Now, another charge for rental in XXXX led to discovery of several specific misrepresentations that called for XXXX 's Book   with Confidence guaranty ( like XXXX, it claims that once their " dedicated team '' gets in the loop, you're protected ), meaning they're obligated to investigate misrepresentations and relocate the victim of this kind of sophisticated fraud at their own cost. 
To be clear, my rental now was for XXXX through XXXX, but once inside we realized the fridge defect was known prior to our arrival yet undisclosed, airconditioning was admittedly misrepresented on review, bug infestations revealed issue, and dog nuisance was on premises and well known yet lied about to me during lead up to check in. So condoning lies as modus operandi at XXXX was means of nullifying my real time claim for Relocate on XXXX. Since then, it simply sends anonymous emails declining knowledge of anything wrong, ignores calls for administrative interaction, and sending surveys for its " dedicated team '' as if that type response in his particular setting were not creepy So over {$980.00} inXX/XX/XXXX& {$2200.00} was charged where clear evidence of fraud from getgo was present and withheld even after disclosure of bad actors came out. But in both cases, the reservation agency after faking amenities present engaged on obvious lies to perpetuate the illusion that Relocation was not called for. How do we get an independent review of CITI 's resolution procedures to show its deliberate indifference toward crooked billing parties ( XXXX, XXXX )? The AZ Attorney General Complaint CIC # XXXX released the prior complaint at XXXX after documenting with no outcome. Fraud must be addressed for what it is and stopped. CITI must be called for its complicity in this ongoing criminal activity

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 2018-05-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
Ref. Complaint # XXXX : On XX/XX/18 I submitted a complaint regarding Equifax. The complaint was sent to the company on the same date. On XX/XX/18 company responded to you that their response was in progress and they would require more time to research the complaint. I was also told by a CFPB representative that the company had until XX/XX/18 to respond.As of today, XX/XX/18, I have not received and responsw from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: Collection Technology Incorporated
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been dealing with wage garnishment for the last 2 months. In attempt to stop this and make payments on default loans. I have been denied to consolidate and also to rehabilataite. I have exhausted all options and afraid I will have to file bankruptcy. I have no had a steady job since leaving school in XXXX. I finally have one along with XXXX children, I can not sustain a healthy life because all my disposalable income is taken without having a fair opportunity to set up plans to pay it back. I am counting on my tax return to finally pay off some past due bills, now I 'm afraid it will go toward a wage garnishment. I need help so I ca n't start sleeping again. I am trying to set up Payment arrangements but my options that they are giving me is only wage garnishment. There must some way to get me back on track without taking all my disposalable income from me every check ... again i eant to pay it, and it almost makes sense to quit my job and try to find work u see the table, which I truly dint want to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2200.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2018-05-09
Company: Experian Information Solutions 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 status incorrect

Complaint:
I have several issues with the XXXX  credit reporting agency. I have contacted them on several occasions regarding these issues. I have requested documents that show my signature on these accounts on three occasions and they refuse to produce any from the creditors. 

XXXX XXXX XXXX accounts # XXXX, # XXXX. These two accounts have exceeded the statue of limitations for the state of Georgia and they refuse to delete them. The accounts are closed and paid in full. 

XXXX XXXX XXXX # XXXX ( XXXX Bank Nevada ). They refuse to produce any documents with my signature on them for this account. The account is now seven years old and they keep updating the date ti record it. 

XXXX XXXX Bank # XXXX same issue as XXXX XXXX XXXX. 

These four accounts should be deleted from my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I am submitting this Complaint to you today regarding the fraudulent accounts and information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my XXXX report : 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 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 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 XXXXXX/XX/XXXX. I have read that under the Fair Credit Reporting Act Section 605b, You are required by law to remove any accounts and information that resulted due to identity theft. Please comply with the law and have the disputed items removed as soon as possible.

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 2020-07-08
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I think I fell for a fake web site posing as Experian, and exposed my email and password. On XX/XX/2020, I meant to log on to Experian to check my credit report, but foolishly clicked on what I now suspect was a fake website labeled " Experian log on ''. It was second from the top on the search engine. I entered my user name and password several times, and couldn't get logged on, and tried the " reset password '' thing which also didn't work. A few hours later, I tried again, on the proper web site, and it worked nicely, so I feared that I had fallen for a scam in my initial efforts to log on, giving the thugs my email address and password for Experian. I could not change the password for the credit freeze when I logged on properly. In order to change the password, I had to unfreeze and refreeze my credit. After unfreezing, I couldn't refreeze on the internet. I had to do the re-freeze on the phone, but believe I was successful. I have received phishing span starting XX/XX/XXXX, which is atypical for my email. I feel pretty stupid, and know other people are falling for it, too, but are perhaps not realizing it and not changing their password, giving the thugs their log-on info for Experian, and their email addresses. 

The suspect website is : " Experian Login '' and the full address changes, but starts the same : " XXXX : XXXX? XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Glasser and Glasser, PLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX and XXXX took me to court for an XXXX XXXX XXXXXXXX credit card debt several years ago and I explained to them I was in the process of applying for XXXX and since I was awaiting a response had no income which caused this to occur. I spoke with the Attorney after the court proceedings and supplied my XXXX paperwork and other information to him. He advised me he spoke to XXXX XXXX XXXXXXXX and explained the circumstances and they agreed to write this off and stop collection activity yet the company has contacted me on multiple occasions since then threatening another legal action once and now again asking for me to pay them lump sum. I have called them multiple times since and explained asking for an attorney to contact me about why they are not following agreement but no one calls me back. The attempts stop for several months or longer then start again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2023-02-15
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I XXXX XXXX have never signed a HIPPA release form with XXXX XXXX or XXXX therefore these are clear HIPPA violations and I want these deleted immediately from my credit ; HIPPA laws protect my personal medical information from being used without my consent and you are now aware of the clear HIPPA violations please delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
JPMCB I have written to this company multiple times, and I have written to all three credit bureaus, XXXX, XXXX, XXXX, and XXXX multiple times. For verification, and accuracy of this debt Also, the statue of limitations on the debt JPMCB has not, and will not respond to any of my correspondence, and none of the three credit bureaus will respond to me in writing, regarding the verification of this debt and the end accuracy of it along with the statue of limitations they are violating my FCRA rights

Company response to consumer: Closed with explanation