BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-24
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
On my credit report there is over XXXX inquiries on my credit report under the category of historical data that experian refuse to remove from my credit report even after notifiying them of identity theft and have multiple fraud alters on my profile that i placed there myself to protect myself against fraud and this include the past XXXX addresses that i have lived at over the past XXXX years so should someone steal my identity agains like they did when i notified XXXX XXXX and they closed the card and the account before any charges was made to delete the address for the past 5 years to protect my identity and they said that they could not but i have had other fraud issues because of this and they said that they cant remove this which is bull because they are favoring in favoritism the service bureau members which is wrong under their policy for records retention policies for publishing information public ally that no one needs to know but it benefiting them to sell it to their members when i am doing my best to protect myself from fraud that malicious they only need the past 5 years not since where i was born. all someone needs to do is get my social and start all over again and they can start the fraud again and i want to prevent this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Last year ( XX/XX/2015 ) I tried contacting XXXX that has my XXXX credit card. I 've had this card for years with them. I was running into financial hardship and wanted to notify them and see what kind of agreement we could make. I was trying to make sure that exorbitant fees were not going to accumulate. I had no problems with paying them before but everything was going to change. As of date of trying to contact them on the phone numerous times, exhausted of trying to deal with them humanely. I received the brunt of all their lies, interrogations, nastiness and no help resolving this matter. As of date i have about 28 different phone numbers from them or their " off shore '' call centers. HUNDREDS of dates and times they have called me in a very short time period. The very tiny amount of voice mails that they have left messages for me. I ca n't deal with all their shenanigans and games. They want FULL SOCIAL SECURITY number of mine. I would like to find out what I can do. This is ridiculous. Lawsuit against them. Their tactics.

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 2016-10-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My current address is XXXX XXXX XXXX, XXXX Fl XXXX, not XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. ( The latter address is my business address not my primary )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: LEXISNEXIS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I tried disputing an erroneous bankruptcy that LexisNexis has been reporting on my credit report. On XX/XX/2019 and on XXXX XXXX, 2019 they received a copy of my dispute via U.S.P.S priority mail confirmation. LexisNexis failed to investigate or respond to my dispute. According to the Fair Credit Reporting Act, they had 30 days to investigate. They failed to investigate. This item must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello there, Please be so kind to review the documents submitted. We have attempted multiple times between my husband and I to resolve this billing error and pay the rightful amount, but we have been met with hostility and refusal to review actual binding documents. We have included the Final Account Statement provided by National Credit Systems, the Apartment Lease Contract and our bank statement showing the {$1000.00} had been paid. The Apartment Lease Contract stated {$1000.00}, due on or before the date this lease contract is signed is a concrete proof showing that we have paid {$1000.00} deposit due before move-in. We discussed this point with the National Credit SystemsXXXX XXXX XXXX XXXX representatives multiple times, but they refused to take this binding document seriously which is ironic for a law firm. They have hung up on us multiple times and yelled at us Pay your bill when were trying to make a point that theres an accounting error that must be corrected first before we pay. The last document is our bank statement which shows {$1000.00} used to pay for the deposit as outlined by the contract before move-in. {$1000.00} should have been credited to the bill rather than {$500.00} showing on the bill. The difference is the amount we will pay, {$170.00}. We have told them that were willing to pay but it has to be the correct amount and they showed no interest in resolving this so we are hoping that you all will be able help us rectify this situation. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: National Arbitration Forum
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I 've reported these people before. Called at XXXX XXXX. 

Here 's the message they left : This message is for [ uninteligable ] regarding file number XXXX This is XXXX XXXX XXXX now serving final legal notification. Failure to respond within the next XXXX hours will result in you forfeiting any and all rights for about restitution. Your case will be forwarded out to your local jurisdiction to be prosecuted to the fullest extent allowed by state law. If you wish to prevent legal action is imperative you contact the filing department at XXXX [ message ended ].

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America sold my mortgage loan to a 3rd party company. The problem is that is being sold to XXXX XXXX XXXX, XXXX. After doing research on this company, I have discovered this company has a LOT of bad reviews. Does the consumer has a right to pick where their mortgage is being sold to? Or can the consumer have a say in what company their mortgage is being sold to. What if the company it is being sold to is known for problems.

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 2023-02-09
Company: EQUIFAX, INC.
State: TX
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 am requesting that XXXX, EQUIFAX, and XXXX remove this collection account from my credit report. I sent a letter last month to XXXX XXXX and the credit reporting agencies regarding a collection account that is reporting on my credit report. The account has been paid, and I originally had an agreement with the original creditor to remove this account once paid. I am not in the business of credit, so I had no idea that my account was sold. This still does not give the company XXXX XXXX a right to ignore my requests. I sent a letter XX/XX/22 asking for the company to remove this account not only because of the original agreement, but because the amount on the collection is different than what the original creditor has. I also asked for validation but was not provided that information. This company also does not have a license in the state of Texas to collect any debt. They also do not have a legitimate website and so I am confused how the collection reporting agencies are allowing a company that is not verified to furnish data. There are many FDCPA and FCRA violations that I can go to small claims court and retrieve payment, but I am only asking for the removal of this paid account as of now. I do expect a response and deletion within 15 days since this is not my first time reaching out to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following account is fraudulent and must be blocked from my report ; XXXX XXXX XXXX, This was blocked by Experian when reported but they added it back recently with no reason. 

attached is the Theft report from the FTC that was reported in 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 2016-03-08
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
the collector that called me did NOT MINI MIRANDA me. they called and left me a voicemail, so I called back and told them that according to the FDCPA they were not aloud to do so, the man began raising his voice at me and told me that they can do whatever they wanted to do and that they can call multiple times to my number. 

THIS ACCOUNT NEEDS TO BE CLOSED OR I WILL CONTACT AN ATTORNEY AND TAKE LEGAL ACTION AGAINST THIS COMPANY. THEY NEED TO STOP HARRASSING AND VIOLATING THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Hi. I had five errant ATM transactions in XXXX on XXXX/XXXX/17 The ATM machine cancelled the withdrawal transaction but posted it to my account as a withdrawal five times. 
BMO has only credited me for FOUR out of FIVE transactions, and TWO out of FIVE transaction fees. I am still waiting for the credit on one transaction of {$130.00} and TWO additional {$4.00} transaction fee and ONE additional {$3.00} transaction fees. 
Please see attachments for original statement and the current credits. Obviously, I would like to get the final credit for the transaction and the fees.

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 2015-09-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Application processing delay

Complaint:
I received a mail offer to open a new credit card from Fifth Third Bank, XXXX, OH. I submitted an online application in XXXX. I received a letter dated XXXX/XXXX/2015 from the bank, asking for a copy of my Social Security Card. I sent a copy of my Social Security Card by First Class mail, within 30 days as required in the letter. 

As I received no response from the bank for several days, I called their customer service center and was told that they have received the required document from me and were processing the application. I was told that I would receive a response within a week. 

Again, there was no communication from the bank for almost a month. I called the customer service number again on XXXX/XXXX/2015, and was told that my application was rejected as the bank received the required document after 30 days from the date of request. However, previously, they had confirmed that the document was received and the application was being processed. 

I find it disturbing that Fifth Third bank did not inform me about their decision. I had submitted my personal financial details and a copy of my social security card. I would n't have known if they had issued a card and someone else had received it, and started using it. I had to call repeatedly to know the status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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 have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX under a collection agency of Jefferson Capital are reporting to my credit for {$300.00}. Time and time again I have reached out to this company and disputed. I asked the original company to show me proof of debt not using automated machines and this has not happened. I have disputed in emails that Jefferson Capital has sent me again asking for validation, proof that I owe this debt and I have not received this. No one is providing me with legitimate proof just responding yes you owe. This is against the law. And if we can not get this taken care of I will have to pursue this legally my rights are being violated

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XXXX XXXX, 2015 I viewed my online checking account through 5/3rd banking and I realized I was in an overdrawn state of $ XXXXin my checking account. I was charged recurring for 3 days on XXXX XXXX, and XXXX without notification that my account was in a negative state. Upon paying the balance I called the customer service at XXXX and spoke to both a XXXX and his manager XXXX and I complained that I was not notified via email or even by phone that I was in a negative state. I did however receive a letter on the XXXX of XXXX stating that my account was overdrawn. I told both gentleman that it was unprofessional and uncourteous of the bank to not notify me sooner about this problem. XXXX the manager said that the bank does NOT notify by email or phone and that they only notify by only by letter. My concerns are that if this is the case why did a letter not come any sooner and why did it take 7 days for me to be notify. I am also concern that since it was a holiday weekend had I not been home for the holidays I would not have known about this problem until afterward and could have potentially been hit with more overdraw fees. Upon opening the account I had asked the bank to not process anything if there were not sufficient funds in my account. I suspect that 5/3rd computers are program to send letters after generating more than XXXX overdraw fees recurring thus putting the consumer in financial risk.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-15
Company: Fairway Independent Mortgage Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After calling my mortgage servicer Fairway to confirm ahead of time I could overpay early my first mortgage payment with no issues I paid {$4500.00} on XX/XX/XXXX. As of XX/XX/XXXX this payment is not reflected, and as of XX/XX/XXXX I have not been able to get an explanation for this after contacting the company. 

I have documentation from the company indicating payment was made, and my bank account was debited on XX/XX/XXXX for this amount. I am trying to get an explanation from the company, but they have not been forthcoming with why my payment has not been applied to principle or interest and shows as my first payment still due. I fear they are trying to take more money from me outright without crediting me this first oaymeny, and even if they find the money they would charge me excess interest on top of this and avoid applying my payment to principal/interest early. I paid on XX/XX/XXXX and I expect my credit to principle and interest to reflect my payment, as I prepaid my XX/XX/XXXX first payment. 

I called twice but was unable to resolve this, and the service provider seems reluctant to put anything in writing so far. 

Please help me get them to reflect my payment. Happy to provide my documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My cell phone with my drivers license debit card and social was stolen from the XXXX XXXX in XXXX 2015. I filed a report with the casino and canceled my cards and ordered a new phone. It was n't until XXXX 2015 I got a statement from a credit union I never heard of which made me realize my identity had been stolen.The person had open an account and received a payday loan not to mention applied for cars online. Ive been battling with the credit bureaus ever since. Some of the info has been deleted except the XXXX hard inquires that were not authorized by me. Even XXXX is XXXX and Ive been with XXXX for 8 years. I have a fraud alert and I plan to put a freeze on my credit once I get this straighten out. Please assist me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Santander USA has violated Public Law as coded in 15 USC 1692 et al and not given consent to contact me, distribute my personal information or misrepresent themselves as a creditor. This will serve as " NOTICE TO ENFORCE UNITED STATES LAW/FEDERAL LAW '' and demand for removal from my credit report. In addition to this, Identity theft has also been committed by Santander. This company attempted to sell my personal property without my consent, to another 3rd party, which also constitutes " identity theft '' and possible mail fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act Discover Bank # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX 2016, Citibank advertised a promotion that if you open a new consumer checking account in either the XXXX or Citibank account package by XXXX/XXXX/16, make a qualifying deposit of {$15000.00} or more within 30 days of account opening and also maintain a minimum balance of {$15000.00} for 30 consecutive days, you would receive a cash bonus of {$400.00}. It is now XXXX XXXX, 2016 and no credit has been made to my checking account. Here are the inquiries I made : XXXX/XXXX/2016 : I have contacted them and opened an investigation on XXXX/XXXX/2016 and received a documented response on XXXX/XXXX/2016 that the account has met the requirements ( qualifying transaction ) as of XXXX/XXXX/2016. I was told that I would receive the credit within 90 days of the qualifying transaction. 
XXXX/XXXX/2016 : When I did not see the cash bonus in my account XXXX/XXXX/2016 ( 90 days after the qualifying transaction ), I contacted Citibank again via online chat on XXXX/XXXX/2016, filed and investigation on XXXX/XXXX/2016. No response. 
XXXX/XXXX/2016 : I contacted the dispute unit on XXXX/XXXX/2016 giving the same response as of XXXX/XXXX/2016 and still no credit on the account. Instead I was told that it would be another investigation XXXX after XXXX/XXXX/2016 response letter. 
These responses and promotion seems very suspicious to me and appears to be deceptive marketing/sales and business practices. There 's no valid reason further investigation if I 've already met the requirements according the fine print in the promotion document and the investigation.

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