BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I AM LOOKING TO PURCHASE A HOME SO I STARTED LOOKING INTO MY CREDIT REPORT AND FOUND SERVERAL FRADULENT CHARGES ON MY CREDIT REPORT WHICH INCLUDES XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX OPENED ON XX/XX/XXXX ALSO XXXX OPENED ON XX/XX/XXXX, THERE WERE ALSO SEVERAL HARD INQUIRIES ON MY REPORT WHICH I HAVE NO IDEA HOW THEY AREON MY REPORT BECAUSE I HAVE'NT APPLIED FOR ANY CREDIT IN SERVERAL YEARS THESE HARD INQUIRIES INCUDE XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: The Thomas Agency, Inc.
State: ME
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I underwent a XXXX XXXX on XX/XX/21. This was improperly coded and thus I was billed for the procedure. I contacted the hospital where the procedure was done and asked for it to be correctly billed. The XXXX billing company, XXXX XXXX XXXX XXXX sent a bill. I contacted them regarding the claim and asked that they resubmit with the correct information. I did this in writing by returning the bill that was sent with a note attached stating that XXXX was reviewing the corrected claim. Despite this I received a letter from " The Thomas Agency '' of XXXX ME dated XX/XX/21. The letter stated the account was with " us for collection. '' I promptly called the Thomas Agency and was told rather rudely that I would have to have XXXX XXXX XXXX XXXX rescind the collections request. I spoke with XXXX at XXXX on XX/XX/21 who said she would immediately send an email to The Thomas Agency rescinding the request for collections. Despite this action I received another letter from the Thomas Agency on XX/XX/21. I promptly called XXXX on XX/XX/21 and was told another email would be sent and followed up with a call to The Thomas Agency on XX/XX/21 once again stating XXXX had emailed them and the debt should have been rescinded. They reported that they still hadn't received any such communication from XXXX but were helpful enough to put the account on hold for 90 days. As a consumer I feel I have followed through on this erroneous medical bill and despite my best efforts am not having my credit protected. I hope this action involving the CFPB will help other patients not have the same situation occur. Patients need to have an advocate, beyond an appeal to their insurance company, for medical billing errors. Patients also need an advocate to turn to for assistance in navigating the multiple billing departments and collections agencies that do not have the patient 's best interest in mind. I appreciate your willingness to advocate for patients.

Company response to consumer: Untimely response
Consumer complaint received 2017-09-25
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The mortgage broker XXXX XXXX XXXX XXXX # XXXX XXXX from OneTrust homes never disclose the interest rate to me. After she got back to me with high interest rate ... I told her I would like to change the plan for 7 arms she asked me to pay her money after I agree and got the letter and confirmation she decided to change the plan saying it 's not longer available.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-01
Company: Data Mortgage Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
My loan was transferred to Essex Mortgage shortly after we closed on our home. I have been trying to contact XXXX to get information on my mortgage loan and their phone number is a joke. Every time I call, their auto receptionist asks me of I want to wait on hold or request a callback. Neither option yields any results. When I select the option to wait on hold, I am transferred to a survey to asks about my experience with the rep I just spoke with. The only issue is I never get a chance to speak to a rep. When I select the option to get a callback, the callback never comes. I need answers on my mortage loan and the servicer is no where to be found. This is extremely unprofessional and I don't like having my home in their hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX has illegally placed a business loan into collections on my PERSONAL CREDIT REPORT & they immediately reported that I was at least 30 days late on my payments, which was an egregious fabrication. As the ppw that was recently sent from this companys VP, I was ONLY 17 days late as of XX/XX/2021, yet this is when they reported my account as a collection. This was also in spite of the fact that I was actively attempting to resolve this matter with this company and they proceeded to also FRAUDULENTLY pull a hard inquiry on my credit 64 days after my loan was already funded and approved. XXXX XXXX has malicious intent on this matter simply because I asserted my right to free speech and let many people know about how terrible of a company they are. Shortly after they found this out, my credit was pulled twice again and my credit score went from a XXXX to a XXXX. THE VICE PRESIDENT OF XXXX XXXX also submitted ALL of my very sensitive personal application information ( SSN, DOB, DL #. Home Address, Bank Account info, etc ) via an unsecured public server with no security whatsoever. If anyone in this company can go and pull customer credit files and just jot down their personal information, then what kind of protection is that?! None at all as far as I am Concerned.

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 2023-03-26
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX Citibank emailed me confirming enrollment in the Member Cash Checking Offer. I had agreed/enrolled & deposited {$30000.00} + with them before that date to qualify. I read & met all terms & conditions. Things like making an online payment with the checking account. I met these by XXXX XXXX. They were to deposit {$500.00} within 30 days of meeting those items-into my Citibank checking account. They did not. I called them on XX/XX/XXXX. During a long call they reviewed & advised " yes, you are correct. You are qualified. '' You met all conditions. They would file a dispute for investigations. Give them 5 business days to deposit my {$500.00}. I called on XX/XX/XXXX. Gave me specialist, then another. Told high volume, will take 21 days, not 5. I called on XX/XX/XXXX Told them 4 weeks since called & 5 months since qualified & due money. They marked request urgent. States high volume for bonuses & taking 30 days. Dispute specialist working on. I called XX/XX/XXXX after getting a letter giving wrong promotion code & saying I got Airline miles in early XXXX so this is resolved. This has nothing to do with the checking acct. offer. I still have {$30000.00} deposited with them. I am told call credit dept. instead of them, credit offer. No - checking account deposit & checking offer. I have XXXX email. Request & talk to supervisor. Can I send email verifying checking account cash back offer? No. He will flag it to say error & should be cash bonus offer. New dispute filed. Long wait. Will take 5 days. This is beyond frustrating and my money is stuck in a non-interest bearing account that they are making money off of daily. They owe me {$500.00} clearly & won't pay it. They pay offshore staff to take calls from frustrated customers and put them on delay. This is unacceptable. Can you please get Citibank to honor their commitment and pay me my bonus right away? This feels like a scam and fraud to 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 2022-01-19
Company: EQUIFAX, INC.
State: MD
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
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:
i XXXX XXXX XXXX XXXX have reported fraud with the credit bureaus XXXX  XXXX transunion about my report and information on it. they will not help me with fighting these errors and accounts on my report and to clear them up/ they leave them the same status and will not delete them or change status meaning the accounts that have been paid are still showing derogatory status and hurting my credit score. XXXX XXXX  on my credit file is fraudulent from the XXXX XXXX department of welfare. they frauduaently put XXXX XXXX on my credit report from when my ex wife XXXX my kids back in 2010 and since have continued to harass me and hinder me from getting any sort of loans or a house due to them lying and siding with my ex wife as well as them signing my name on court documents that is forgery and purgery in a court of law. they know this. ive asked them many times as well the bureaus to remove this as well as disputed it many times and they keep coming back with no change.

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 2018-01-10
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Stoneleigh Recovery Associates/The Bureau did not validate the collection placed on my account and was required by law to remove the collection from my file in XXXX 2017. 60 days later they placed the collection back in my file without providing myself or my legal representative proof of debt validation. To date, they have not provided proof of debt validation and did not notify myself or my legal representative that they would place the collection on my file again ; a collection that has been disputed, removed once and still not verified by their collection agency. I have not been contacted via telephone, email or written correspondence since the collection was first removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
Company citibank has been calling my phone multiple times a day starting on XX/XX/XXXX. I will submit screenshot of the times they have called. I've been having a hard time paying bills at the moment because I haven't been able to work more hours due to a high risk 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 2023-09-01
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
During my aqua period my debit card was used, upon finding out I reached out to several people in the bank and notified them of the transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
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:
YOU BROKE THE LAW ADVERSE ACTONS You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 USC 1681. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system is dependent Upon my consumer reports being fair, and accurate to me, Pursuant to 15 USC 1681 ( a ) ( 1 ). Pursuant to 15 USC 1681 ( a ) ( 2 ) congress made it clear that you are an elaborate mechanism with no real standing, or authority. Pursuant to 15 USC 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, and those around me causing me severe hardship, XXXX XXXX and XXXX. I have been unable to live fairly because of you assuming this role, Pursuant to 15 USC 1681 ( a ) 4 ) You were unfair in reporting this erroneous information without First consulting with me the consumer. You also infringed upon my right to privacy by having a conversation about me with a third party, and reporting this information as result of that third party. I am demanding that this information be removed soon as possible. This information is not accurate, nor is it relevant to me. Nor was this False information properly utilized in a manner that is or was equitable to me. This information is not accurate INDIVIDUAL ACTIONS - 15 USC 1691a1-3 1591b1-5.. I DEMAND AN INVOICE FOR REMEDY AND EXTENSION OF MY CREDIT AS AN FEDERAL RIGHT BY CONGRESS FOR UNEQUIVOCAL ACTIONS **NOTICE**PLEASE RESPOND IN LAWFUL MANOR ( REMEDY INCLUDED ) LAST CHANCE OF PRIVATE ADMINISTRATION PROCESS BEFORE FILING FEDERAL LAWSUIT!

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 2023-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received a text message on XX/XX/2023 asking me if I authorize the transaction for {$3400.00} from Bank of America. Since Bank of America sends text to authorize fraud transactions, they seemed normal. I said no and received a text back saying a B of A fraud specialist would call me right away. A phone number XXXX called me and instructed me on how to handle this fraud. They said it was a XXXX fraud, so to combat this I had to send a XXXX for that amount for a Bank of America credit. I dont frequently use zelle XXXX so I dont know much of how it works. I thought that the request sounded a little odd, so I looked up the number and the Bank of America fraud hotline came up from the official Bank of America website, which is exactly the phone number that called me, so of course I trusted it. The person on the line had an American accent as well. They had me send a XXXX of {$3400.00} and had me title it to my name. They instructed me to confirm the transaction that an automated BofA number questioned me about. Once it went through, they would call me the next day to give me an update on my case. They called me back as they said they would and said that there was a final credit that I needed to send myself in order to get my money back. Again, the number that called me was the Bank of America fraud number that is on the official Bank of America website, so I complied. They again walked me through the process where I sent {$2600.00} and they had me title it to myself. I didnt think anything of it until I was talking with my friend who said to call the bank one more time to confirm, to which they let me know I was defrauded. I filed a claim I am seeking reimbursement for the damages as an impersonator of Bank of America which is a company I thought I could trust.

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 2023-09-01
Company: World Acceptance Corporation
State: SC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I started a personal loan with world finance XXXX of XXXX for {$1500.00}. The payback would equal out to {$3500.00}. As XX/XX/XXXX comes around I find myself struggling again to pay my rent and all of a sudden I received a text message from world finance. The message was asking to refinance my loan and receive money and lessen my monthly payments. Of course I agreed to the new terms. I came to find out later I had restarted another loan starting the repayment plan all over again. I was months away from paying off the first loan when I received that message. I only received {$400.00} for the refinanced loan and have to payback XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Armstrong and Associates, Inc
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They called my phone 11 times within an hour today XXXX. They call my phone over 5 times everytime they call me even after they have been sent a cease and desist letter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: IN
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:
The information in the application isn't 100 % accurate The social security number linked to the phone number in the application belongs to another individual I am a victim of fraud, & the reporting agencies haven't proved beyond a reasonable doubt that I had anything to do with that loan application, on the other hand I can prove beyond a reasonable doubt that i had absolutely nothing to do with that application. I have history of submitting complaints with cfpb & I have an attorney now so at this point, with my records I will build a lawsuit and sue every party involved for aiding & abetting XXXX, XXXX, XXXX, Experian & the employees thereof

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: IN
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:
The information in the application isn't 100 % accurate The social security number linked to the phone number in the application belongs to another individual I am a victim of fraud, & the reporting agencies haven't proved beyond a reasonable doubt that I had anything to do with that loan application, on the other hand I can prove beyond a reasonable doubt that i had absolutely nothing to do with that application. I have history of submitting complaints with cfpb & I have an attorney now so at this point, with my records I will build a lawsuit and sue every party involved for aiding & abetting XXXX, XXXX, XXXX, Experian & the employees thereof

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 2022-01-24
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:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2022-01-24
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:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation