BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-06
Company: EQUIFAX, INC.
State: MI
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:
XXXX XXXX XXXX XXXX had posted 3 collection accounts on all 3 of the credit reporting companies - XXXX XXXX, XXXX & Equifax. one for {$30.00}, one for {$100.00} and one for {$70.00}. These accounts were paid to the collection agency and I have in my possession a letter from the XXXX XXXX XXXX dated XX/XX/2019 that all 3 of these have been paid and satisfied. XXXX XXXX acct # XXXX. I have requested to all 3 credit agencies by letter and by multiple phone calls to have these removed from my credit file.

To date of this complaint, XXXX XXXX & XXXX have deleted these from my credit file. Equifax is REFUSING to remove them and inform me that they will remain for 7 years even after being satisfied. I spoke to XXXX XXXX XXXX and they informed me that they electronically submitted the information on XX/XX/2019, that the accounts have been satisfied and can be removed. I have spoke to several people at equifax and none of them informed me until today that these can not be removed which is innacurate as the other 2 reporting agencies have done it. they also refused to give me a supervisor to speak to. These agencies have way to much power over our lives. 

PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt collector CBA collection bureaus ( original creditor XXXX XXXX XXXX XXXX XXXX ). Opened XXXX XXXX,2015 is trying to collect debt that is invalid. High balance {$140.00} ( balance {$170.00} ).  The debt collector has illegally tried to collect debt thats invalid, theyve illegally inflated this debt and IF this is valid I havent received an original contract of my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2018-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did an online dispute XX/XX/18. The company updated the account within the 30 days. I sent via certified mail a letter requesting the company verify information on XX/XX/18. ( Example uploaded ) The company deleted the account XXXX stating meeting FCRA requirements. On today XX/XX/18 the company put the deleted item back on report and removed the wrong account ( XXXX XXXX XXXX XXXX ) ( uploaded screenshots ).

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 2021-06-08
Company: Bread Financial 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 status incorrect

Complaint:
Due to CARES Act/COVID 19. My accounts with Comenity Bank ( Victoria Secret, XXXX XXXX XXXX and XXXX was reporting inaccurate information. Please review my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
There are a number of unauthorized credit inquires on my credit report. I would like to have these inquires removed from my credit report.

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 2021-10-08
Company: Experian Information Solutions Inc.
State: FL
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:
Attached is the image of unauthorized inquiries on my credit report with all credit bureaus. 

The unauthorized inquiries are : XXXX  inquiry from XX/XX/2021 XXXX  inquiry from XX/XX/2021 XXXX XXXX XXXX inquiry from XX/XX/2021 XXXX  inquiry from XX/XX/2021 XXXX  Inquiry from XX/XX/2021 XXXX XXXX inquiry from XX/XX/2021 XXXX XXXX inquiry from XX/XX/2021 XXXX - Auto Finance inquiry from XX/XX/2021 XXXX XXXX XXXX XXXX inquiry from XX/XX/2021 XXXX  - Card Service inquiry from XX/XX/2021 XXXX XXXX inquiry from XX/XX/2021 XXXX  - Auto Finance inquiry from XX/XX/2021 XXXX  inquiry from XX/XX/2021 XXXX XXXX XXXX XXXX inquiry from XX/XX/2021 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 2021-03-04
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
To Whom it May Concern, On XXXX XXXX I made a purchase from XXXX using my Citibank debit card in the amount of {$1600.00}. I did not use XXXX. I was only supposed to spend {$1600.00}, but somehow I was double charged the same amount of money. Two transactions in the amount of {$1600.00} were deducted from my citibank checking account immediately and at the same exact time. I called ebay customer service right away and I also spoke with the seller. They assured me that there was only one transaction and purchase in the amount of {$1600.00} in their records. Then, I called citibank convinced that they would not have a problem reversing the duplicate transaction. In the past, any other bank would have done that with a duplicate transaction. Not citibank. I spoke to a supervisor who told me that most likely the double transaction would be voided within 3 days, but just in case he suggested to open a dispute. When I heard that the soonest I could see my money back in my bank account would be between XXXX to 120 days, I wanted to cry. I waited 3 days, but my money was not refunded. I called back citibank and demanded to speak to a manager. I was denied the courtesy to speak with a manager. I was transferred to a supervisor who told me in a recorded call that my money was set to be deposited in my account as soonest as XXXX that night or the latest first thing in the morning because citibank decided to reverse the duplicate transaction. I was pleased with the results until the next morning when I found out that no money was refunded to my bank account. I called citibank again and this time they asked me to disregard the phone call I made to a supervisor the night before. I kept asking the supervisor to play the recorded call from the night before, but he refused. Citibank is refusing to reverse the duplicate transaction in the amount of {$1600.00} and they are asking me to wait between XXXX to 120 days for them to complete their dispute. Citibank is keeping my money for XXXX to 120 days for a duplicate transaction that should have been reversed. They are keeping my money for their personal interest and use.

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 2021-03-04
Company: INTERCONTINENTAL CAPITAL GROUP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Changes in terms from what was offered or advertised

Complaint:
I got a letter from Intercontinental capital group XXXX XXXX XXXX Ca. XXXX with a Visa {$100.00} gift card telling me to call ( XXXX ) XXXX, I called the number and a Mr. XXXX XXXX told me there is no strings attached to the card activation so I told him to please Activate my card he then told me well you have to do a servey, I asked him so youi just said there is no strings attached??? So why would I have do a servey? he refused to activate the car I told him that that is fraud per 448 california Penal Code for fraud. He still refused so I call the number on the back of the card got a man who did not want to talk to me due to the fact I had my phone number wrong I have XXXX and am XXXX, I asked him if he knew what ADA was he said NO! I hung up due to a second person got on the line and said it is ok to attach strings even though they say there is none i hung up. 
This is fraud I cant believe that this is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
For the past two years, I have been receiving calls for years about a debt that I do not owe. This debt is an online cash advance. After confirming that I do not know about this debt, they perceive to continue to call me and even contacted my husband through text about this debt. I have asked for documents and was told that I had received documents back in XXXX. However, I can not get anyone to give me documents or a contract for this loan. In the month of XX/XX/XXXX, I have been left with messages stating there will be court documents sent to my home and work location and my wages will be garnish. Today XX/XX/XXXX, I called XXXX and ask for them to proceed with their court threats because I do not owe anyone. I also asked for their name and was told " XXXX XXXX. '' In addition, I was told that I owe this company over {$800.00}. This company had the last digits of my social security and the name of the bank. I was given options to settle out of court. I then asked for the original creditor 's name and was told " XXXX XXXX. '' I proceed to look up these names through the web and found extremely negative information such as " scammers. '' After being harassed for years, I need to know what is going on!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: Waypoint Resource Group, LLC
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: Account information incorrect

Complaint:
In credit XXXX  app, XXXX still has not updated my waypoint recourse acct. on XX/XX/19 I paid full balance of {$100.00}. XXXX  still has derogatory remarks Im trying very very hard to fix my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Fraudulent account XXXX XXXX XXXX opened XX/XX/2018 balance is 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 2019-05-06
Company: Experian Information Solutions Inc.
State: PA
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:
Fraudulent account XXXX XXXX opened on XX/XX/2018 balance 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 2021-06-08
Company: Phoenix Financial Services LLC
State: NC
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 a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: CAC Financial Corp
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 have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. I reached out to the bureaus and company several times and the accounts are still on my credit. 
1. CAC FIN COLL. Date Opened : XX/XX/XXXX. Balance : {$780.00} 2. CAC FINANCIAL CORP. Date Opened : XX/XX/XXXX. Balance : {$850.00} 3. CAC FINANCIAL CORP. Date Opened : XX/XX/XXXX. Balance : {$150.00} 4. CAC FINANCIAL CORP. Date Opened : XX/XX/XXXX. Balance : {$790.00} 5. CAC FINANCIAL CORP. Date Opened : XX/XX/XXXX. Balance : {$740.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened an account in store with the promotion of zero interest for 12 months in the month of XXXX. I proceeded to create an online account on XX/XX/XXXX so that I could make a payment since I had not yet received my first statement yet. I made a payment of {$40.00} on XX/XX/19 to cover my minimum payment of {$27.00} due XX/XX/19. I then logged in again on or about XX/XX/19 to see that my account is marked past due. I reached out through the message center to inquire and was advised the following : Thank you for your recent inquiry regarding your XXXX Mastercard account, and the opportunity to be of service to you. Please note that you have been approved for a late fee waiver. Once your account has billed, you will either see the fee was reversed or the fee was not applied to your account. We received your payment on XX/XX/2019 in the amount of {$40.00}. Payments in excess of the minimum due received on or before your statement close date of XXXX, are applied to the previous months billing, and not credited to the current payment due. We do not have the option of prepaying the minimum payment due before the new bill generates. Please make a payment after your statement close date to avoid a late payment fee, and to keep your account in good standing. Please submit your current minimum amount due of {$27.00} at your earliest convenience. So I called and responded asking what was due month prior to be advised " nothing, you opened your account '' additionally that my " promotion '' had not been applied to my account and they could not assist my beyond collection until I paid my past due amount of {$78.00}, I tried to explain not past due to no avail and was not able to get the situation rectified unless I paid that amount, which I did not due since it was not due. I paid {$40.00}, over the monthly min. of {$27.00} and should not have to jump through hoops because the promotion I also want to make sure that my credit report is not affected.

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 2020-07-02
Company: General Motors Financial Company, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have tried contacting GM Financial several times in order to have this debt validated which I have yet to receive anything and also removed from my credit report and it is still being reported. I have sent several certified mailings to the company on several occasions XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and I still have not received anything. At this point it has gotten a little ridiculous because this debt dates back to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: HUNTINGTON NATIONAL BANK, THE
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am tired I am with many problems the bank closed my account I dont pay my lawyer of divorce and impossible now I do the complaint because my ex husband did the file of divorce I did contacts with the XXXX and called to the bank I dont received my check since on XXXX I am on XXXX almost 4 months o had many problems with lawyer and my apartament I dont pay because of bank unfortunately I need find a lawyer of the bank pay damages finances and emotional I would like copy of checks I did deposit but the bank never return bank or pay my check

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Bank of America does not allow a business credit card to set up autopay to pay their statement balance on their due date. The process is purposely set up to be cumbersome and confusing in order for a business owner to be late on their payment, incurring fees and interest. 

BofA should allow any business credit card user to have the same ability as someone with a personal credit card - be able to set up autopay to pay their statement balance on its due date.

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 2017-12-03
Company: North American Asset Services, LLC
State: FL
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:
In the month of XXXX 2017, I called XXXX XXXX to inquire about services, products and prices. I immediately and specifically told the representative that I DO NOT give authorization for them to check my credit report because I was n't sure if I wanted the service at that time. I was simply conducting a comparison with other providers in my area. The representative assured me that he would not check my credit. I was given some information and told him if we decided we wanted service with XXXX XXXX, I would call back. I now have an unauthorized hard inquiry on my credit report from XXXX XXXX dated X/XX/17. I am not happy and totally disturbed that I would be taken advantage of so quickly and easily simply because I wanted to know about the company 's services and products. I was a former XXXX customer so once I gave the representative my name and address I 'm sure that 's how he obtained my social security number. This is fraud and I want it removed! 
Thank you for your services.

Company response to consumer: Untimely response
Consumer complaint received 2019-05-06
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
XXXX XXXX XXXX contacted me about a debt that was owed back in 2007 that is past the statue of limitations. I told them this and asked them to stop calling. They have called my business line at XXXX, I have the voicemail from this. They call my business line repeatedly even when told not to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I recently registered point back app called XXXX. I can get point if I spend with linked credit card. Since Capital One is blocking customers ' access to their own data through third party ( XXXX ), I can not get point at all. I want to let Capital One know that I wish to have this access granted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: Malcolm S. Gerald and Associates, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
i have worked out a payment plan with the hospital, they still put me into collections, i have received phone calls all day every day from varies numbers XXXX, XXXX, XXXX,

Company response to consumer: Closed with explanation