BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-06
Company: United Debt Holdings, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan 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:
This is from years ago, when I really need the money. It was only about 150 dollars. Now they want to settle with over 350 dollars. I said okay, but I cant do it now. He said it has to be done now. He is a legal courier for XXXX XXXX   Where I live. He left me a voicemail today threatening to come get me implying either arrest or something worse. His name is XXXX XXXX he has been calling me non stop and leaving these kinds of voicemails.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
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:
According to the Fair Credit Reporting Act, 15 USC 1681. ( a ) ( 4 ), consumer reporting agencies are required by federal law to exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 

Chex Systems , Inc.. PLEASE REMOVE FROM MY CREDIT REPORT 1. XXXX : XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, NY XXXX INQUIRY DATE XX/XX/XXXX 2. PLEASE REMOVE FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX On behalf of XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Inquiry Date XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
XX/XX/XXXX On the web I saw an ad for Citi Bank 's {>= $1,000,000} reward plus 1.1 % interest following the instructions on the WEB page I opted for the {$700.00} bonus option with a {$50000.00} deposit. XX/XX/20 I transferred that amount from the XXXX bank account with 0.8 % interest. 
After a long time in XXXX I noticed that Citi was giving only 0.1 % interest to my account, I immediately called the bank and asked for an explanation. After many calls from several representatives, the only answer is that I opened that type of account XXXX {$400.00} bonus and 0.1 % interest ), that's not true. I know very well what I did, since I did the same for a friend who now gets 0.7 % interest. I have a feeling that I was robbed by City Bank Thanks

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 2021-10-07
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 disputed with the credit bureaus, telling them I was a victim of identity theft and that these accounts are not mine, therefore it should be removed. But I never received a response, it has been 60 days since then. Please help

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 2021-10-07
Company: Collection Service of Nevada
State: NV
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 erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: EQUIFAX, INC.
State: MO
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Rocket Mortgage, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Quicken Loans assessed my mortgage account {$24.00} for a mortgage payoff statement when I did not request a payoff quote. After investigating, it turned out that while refinancing my primary residence the loan processor accidentally requested a quote for one of my investment property loans. 

I contacted Quicken Loans regarding the fee and asked for a credit on behalf of the loan processor who accidentally requested a payoff for the wrong loan. The Quicken Loans representative instructed me that they understand the situation but unfortunately can not remove the fee from my account. 

I just do not understand why a loan servicer would be so firm in requesting fees from me for something I didn't request and was done in error on my behalf by a loan processor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is a follow-up over an issue I have over Complaint Number XXXX. I also request to see a certified copy of any contract or agreement between XXXX XXXX XXXX and the original creditor that I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXX. I had a dispute with the original creditors that has been resolved and yet the negative items still remain on my credit report. I file this complaint back in XXXX of this year and never recieved any letters back from the credit bureaus or the 3rd party companies.

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 2020-11-30
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
American Express misleading billing policy, inaccurate billing statement and increase interest when a person was not even past due and adding false late fees to my billing statements which caused, excessive interest charges to my total balance and cause an excessive high balance to show up on misleading and inaccurate billing statements, therefore causing me to make over payment on false interest fees and charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: EQUIFAX, INC.
State: AL
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: Problem with personal statement of dispute

Complaint:
I have 9 collections accounts that were re-inserted on my credit report without me being notified within 5 days of them being reinserted. All on Equifax {$75.00} XXXX XXXX {$70.00} XXXX XXXX   {$53.00} XXXX XXXX {$88.00} XXXX XXXX {$39.00} XXXX XXXX {$33.00} XXXX {$33.00} XXXX {$42.00} XXXX {$53.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I do not wish to report bank of am badly but this is weird been a good customer with them for years Had an offer for business travel card applied on XXXX XXXX was denied. thought it was wrong called today told there is no record of my SS number when i look on the check status box too there is no record under my SS number which is also odd. I feel somoene may have compromised my SS number this is the only one i used. 
i need this looked into. i did apply was rejected also a fraud alert should have been triggered but response i got online does not indicate this. 

I am troubled by it. 
I also want to say regarding my card ending XXXX that i know the interest is valid and i appreciate bank returning fees the request i made for XXXX was declined i am sad about that. i need that back too this charge made responsibly was for property tax es on a home i have had vacant for one year and two months it has been a hardship. that said, i maintain all my accounts well Once i get that back and i know its valid i will do a balance transfer on my other account. please help. 
Please address these 2 issuees and i dont need to be reminded i got the interest refunded or how to avoid it. I know that as my long term record reveals its just a hard time now that and my loyalty should mean something here. i hope so.

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 2021-01-28
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
America First Credit Union based out of Utah has created a premium checking account. The program is an " Opt Out '' program where they automatically enroll all checking accounts at {$6.00} a month. Credit union members must opt out of the program or pay the month fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: CITIBANK, N.A.
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:
Disputing 30-day delinquency reported to Credit Bureaus. 
- Citibank website 's Auto-Pay did not work and as a result, payment was not made. 
- As I do with all my cards, when I get a new card, I go online and set up auto-pay for the min amount, though I typically pay the full amount, this is a just in case measure. For some reason, the new Citi Mastercard auto-pay did not work for XX/XX/2020 and it went past due. When I found out, I immediately went online and paid in full and reset the auto-pay. 
- This was back in XX/XX/2020, I am an essential employee in telecom and due to the crisis, my responsibilities required me to work 60+ hour weeks. While I would normally double-check all my banking accounts, I did not do that during XX/XX/2020. 
- I called Citi and spoke to Supervisor Agent XXXX ( XXXX ) explained the situation and and was referred to the Citibank Credit Bureau Department. 
- Through a series of postal corresponded beginning on XX/XX/XXXX, and XX/XX/2020, I explained the situation to the Citibank Credit Bureau Department. 
- On XX/XX/2020 I received a letter from them saying : " The above account was removed from credit report because the account was part of brand conversion ... Please allow 30 days for ( credit bureaus ) update their files. " - As of this date XX/XX/2020, this info still shows up on my credit report. I called Citi and spoke to Supervisor Agent XXXX ( XXXX ). He says the reporting is correct but will refer it back to Citibank Credit Bureau Department I have been a Citibank customer for ( a previous card ) for many years. Up until this incident I have had an exceptional payment history. The disputed amount for that month was only {$140.00}, since Citibank had access to my checking account there should have no problem in paying full amount that month and not having to blemish my credit report. If for example, I had mailed a check to Citibank and they lost it, it would not be proper for them to report a late payment to XXXX? 
I hope there is something that the CFPB can do to help me with this situation. Thank you.

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 2019-03-15
Company: Credit Plus 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:
I am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: D&A Services, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX  has repeatedly tried to collect a debt that came from identity theft. Each time I ask for proof of debt using the forms that the Federal Trade Commission supplied and each time the response is to show credit statements with charges that have already been reported as identity theft ( FTC Report Number XXXX ). I even supplied names of the suspected identity thieves but rather than pursue that it is easier to just sell the debt again to another company so they can continue to harass me and violate the Fair Credit Reporting Act and the Fair Debt Collection Act. It needs to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: EQUIFAX, INC.
State: OH
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 had to file a complaint about fraudulent accounts found on my credit report. I have filed a complaint about these unknown accounts. I never received any documentation nor a response from the 3rd party collections or credit bureaus. 
The following accounts are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have unknown addresses and misspelled names on my file as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Upon reviewing my credit report, I noticed that there are several errors on there that are severely impacting my credit. Please investigate these accounts.

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 2021-01-28
Company: ROBINHOOD MARKETS INC.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Robinhood Application has been hiding my investments and only allowing me to sell. No longer able to buy. This is not commiserate with SEC guidelines and is highly illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: LEXISNEXIS
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
RECENTLY APPLIED FOR AUTO INSURANCE WITH XXXX XXXX AND WAS INFORMED THAT XXXX AND XXXX HAVE PLACED A SECURITY FREEZE ON MY CREDIT FILES WITHOUT PERMISSION SINCE XX/XX/2015, THEY ARE TRYING TO COVER UP FROM SECURITY BREACHES OF THE PAST! THEY BOTH ARE AWARE OF BREAKING THE F.C.R.A. U.S.C. 15 Section 1681g and the DODD FRANK ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the account listed ( XXXX. XXXX XXXX late payment XX/XX/2016 ) be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish theses accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: EQUIFAX, INC.
State: CA
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 paid a debt off that showed up on my credit report in XX/XX/2020. I did not make this debt, however it was paid off due to the numerous disputes and no change. I have a copy of the receipt yet, it was never reflected on my credit report as paid. The initial company was XXXX XXXX XXXXXXXX XXXX XXXX XXXX The debt was bought by national credit adjusters. The debt was paid as noted on the receipt attached to this claim. It needs to be reflected on my credit reports on all three bureaus. Its been almost a year since I paid and no change. Its been disputed several times and when it comes back from the credit bureau it does not reflect paid. The credit Bureaus refused to change, despite me providing proof of payment. This needs to be fixed ASAP, I have spent so much money disputing this when it should have been fixed a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Portfolio Recovery license XXXX is collecting a debt that I am not aware of and the license is expired to collect in the state of Florida the account number for this debt is XXXX .... 
The amount trying to be collected is XXXX I would like this collection to be deleted from my recent credit reports Last 4 of my social are XXXX Won't let me put it in the next page

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX sent my job a wage garnishment without me knowing. I was only given 11 days and it's not right. This debt looks like it's from XX/XX/2012 and they have never contacted me at the address on file to make payment arrangements. For them now to try and garnish my wages for a debt that was never verified or validated is wrong. This should be a violation of the Fair Debt Collection Practices Act and I am not sure why this is allowed.

Company response to consumer: Closed with explanation