BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-27
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have tried to contact the institution for the past 2-3 weeks. Total consumer negligence. I have yet to hear back. 

Please call me at XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-08
Company: Williams & Fudge, Inc
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice from Williams and Fudge 2 months ago. I responded withing the 30 day deadline denying the debt. In addition i sent them a certified letter. They are claiming that i owe XXXX XXXX  XXXX dollars. Not true. I did apply to the school and was accepted admission. I did send them my XXXX form ( nothing confirming my signature or release of student aid ) but i informed the college/my admission rep that i decided to attend another school that was more reasonable and a better fit for me. It is not my fault that the person there did not due their job they were informed well in advanced. In addition i did not release my financial aid to that school or sign anything stating that i will be an official student. I went with the other school and signed their documentation and started at another university. State law is that you can not get financial aid at two school so that's how i know i did not move forward with them and this charge is bogus. I requested documentation, Williams & Fudge sent me a pending/ outline of possible tuition charges if i were to attend but i did not. They do not have anything with my official signature because i don't owe them or their " client ''. They are not lawyers they are just looking to get money out of me that i do not owe. They are reporting false/inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2021-07-21
Company: CITIBANK, N.A.
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
opened a Citibank Checking plus account plus savings account back XX/XX/2021, with this checking account I qualified for an Overdraft line of credit, plus overdraft protection on both checking accounts I had opened once I've deposited {$1.00} which I deposited {$5.00}, the very last requirement was that I had to sign and return my signature verification forms for the Overdraft line of credit, I paid to fax that document to Citibank accounting department that same day, I've spoke with several different Citibank banks employees that verified thst i had completed all Citihank requirements to receive my Overdraft line of credit, Citibank bank still hasn't added my line of credit to my checking accounts, its caused a huge financial problems with my checking accounts and my other bank accounts have had returned checks.. over draft fees. Caused my bills I've paid to be returned, now I've been assest more fees. Citibank isn't helping fix their issue they caused my accounts to be in the negative. 
Citibank never gave my sign up bonus,, a {$1500.00} for new customer, they also failed to give my wife her {$100.00} referral bonus. Because of Citibank misleading me into thinking that my accounts are covered by my line of credit plus Overdraft protection that all of my transactions were covered. They even mailed me my check book with checks in it. Plus a debit card. Citibank had let every check I had to write go thru then they returned every check bouncing all of my accounts causing a huge huge mess. Now both banks are charging me for these bounced checks. I want this fix immediately this was their error not mine. I'm not going to be treated like I'm doing sometimes illegal. When this was all Citibanks illegal actions

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 2017-10-22
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
Bankruptcy reporting on credit file should not be reporting, I supressed all public records from being viewed on my credit file. The Credit Bureaus received public records information from Lexis Nexis. I opted out from reporting. This information. Should to be verified once disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Recently disputed incorrect data reporting on credit file. Account has been deleted several times and then re-reported. Under the FCRA, all items reinserted must be provide by the furnisher of the information in writing of why the debt in being reinserted with XXXX days of re-reporting. I have never received any notice from the furnisher, which is violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One Bank has not resolved or attempted to resolve the issues detailed in my letters or in my numerous calls with Capital One customer service specialists and supervisors. Please see attached letters dated XXXX XXXX, XXXX and XXXX XXXX, XXXX. My final attempt to resolve this was through several phone calls in the month of XXXX XXXX with Capital One representatives and supervisors with no attempt to resolve this. My final response from Capital One is that there is nothing they can do. I am demanding all itemized billing statements to prove that I made purchases on this credit card account from XXXX XXXX, XXXX through XXXX XXXX, XXXX. If they can not provide proof that I made these purchases I am demanding that the amount they have no record of as well as interest charges be taken off of my statement. I am requesting that this be resolved after this complaint, as this has been an ongoing dispute and I am paying for these unauthorized charges every month for the past 16 years as well as interest that Capital One Bank is profiting from at my expense. I am not asking for the statements that they have already sent me as I already have them on file, once again I am asking for statements from XXXX XXXX, XXXX XXXX, XXXX and if they can not provide this I expect this matter to be resolved and have the charges and interest fees from those dates removed promptly from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: Remex, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Checking my credit report I found a derogatory mark saying that it was a collection debt with another address on there, it 's not my address nor have I ever lived there, the dates listed are from XXXX - XXXX XXXX I do not owe a Medical debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian is falsely reporting a collection on my report as of XX/XX/XXXX in the amount of XXXX with XXXX XXXX XXXX , XXXX as a third party collector who purchased the debt from the original creditor, XXXX XXXX XXXX. The partial account number is XXXX. 

The account in question belonged solely to my father, XXXX XXXX XXXX who passed away in XX/XX/XXXX for which XXXX XXXX was notified and sent a death certificate. Any claims by XXXX XXXX should have been filed in the XXXX County Court, Probate Division. 

The property was sold and never once did XXXX XXXX claim any fees due when the new property owner transferred the account. Neither XXXX XXXX or XXXX XXXX XXXX have ever contacted me regarding this matter. 

I have never been responsible for this bill, nor should they have any of my personal information, except for paperwork naming me as Successor Trustee of the estate. This attempt to circumvent the judicial system by both XXXX XXXX and XXXX XXXX XXXX violates the Florida Probate Statutes, the FCRA as well as FDCPA. 

If this is not removed immediately, I will file suit against both XXXX XXXX XXXX. and XXXX XXXX, as well as filing a criminal complaint with the XXXX Attorney of XXXX County, Florida.

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 2019-01-15
Company: Experian Information Solutions Inc.
State: MO
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:
I had several accounts with XXXX and there is one account number XXXX that the three bureaus continuously report a balance and that is not correct. It has been disputed several times and I even went into my accounts with XXXX and printed out proof that it should not be reporting a balance. I have included the print out with this compliant.

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 2022-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had money transferred into my account, this past Thursday. This money was instantly transferred and made available instantly to my checking account. This money was transferred by instant deposit via XXXX  into capital one. Unfortunately at some point between Thursday evening and Friday morning the funds were all gone. It is now Monday and the issue unfortunately still hasnt been resolved. This has caused me distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: GA
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 accordance with the fair credit reporting act XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the right to privacy. 

15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2017-10-22
Company: CITIBANK, N.A.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
ON XXXX I CALLED XXXX XXXX CREDIT CARD TO ASK ABOUT MY REQUEST FOR CREDIT INCREASE. ONLY WHEN YOU REQUEST A LINE INCREASE DOES THE CARD CONTACT THE CREDIT REPORTING AGENCIES. 
I REQUESTED A LINE INCREASE IN XXXX XXXX ALSO. AT THAT TIME I UPDATED MY NEW PHONE NUMBER WITH ALL THREE BUREAU 'S. 
MY NUMBER IS UPDATED AND CORRECT. THE NUMBER ON FILE IS THE XXXX XXXX XXXX HAS AS MY HOME PHONE AS WELL : XXXX. 
I ASKED THE REP ON THE PHONE IF IT WAS APPROVED AND THEY SAID THEY TRIED TO CALL ME BUT HAVE THE WRONG NUMBER PROVIDED TO THEM BY THE CREDIT BUREAUS. I TOLD THEM THAT THE CURRENT FILE I HAD IN FRONT OF ME STATES THE RIGHT NUMBER ON FILE AND I WAS LOOKING AT THE XXXX DATED XXXX/XXXX/XXXX. 
THE REPS INSISTED THE NUMBER THEY GAVE THEM IS NOT THE CURRENT XXXX I HAVE ; AND SAID THAT THEY WILL NEED TO VERIFIY IDENTITY. I DID VERIFY ALL INFO WITH THEM INCLUDING BANKING INFO ALSO, RECENT PAYMENTS, ALL PERSONAL INFO. YET THE REPS INSISTED THAT THAT WAS NOT ENOUGH AND THAT I WAS WRONG ; AND THAT THE NUMBER GIVEN TO THEM FROM THE BUREAUS CAN NOT BE VERIFIED AND THEY ALSO SAID THAT THEY WILL CALL ME BACK TO VERIFY. YET THEY LIED TO ME AS THEY NEVER CALLED ME AT ALL. IN FACT THE REPS BLOCKED MY CARD AND BLOCKED THE ONLINE ACCESS AS WELL. I CALLED TO REPORT WHAT THEY DID THAT DAY AND THE SUPERVISOR REFUSED TO TROUBLE-SHOOT THE ISSUE AS I ASKED. I TOLD THEM TO CALL THE BUREAUS OR TO ALLOW ME TO SEND IN MY CURRENT COPY OF XXXX WHICH 'PROVES ' MY STANCE. THEY REFUSED AND BLOCKED MY CARD ANYWAY. I ASKED THEM WHY THEY WOULD BLOCK MY CARD WHEN I PROVIDED ALL INFORMATION CORRECTLY ; AND ALSO MADE THE POINT THAT THE CREDIT CHECK ONLY APPLIED TO THE REQUEST FOR INCREASE IN CREDIT ; NOT MY XXXX XXXX CARD ITSELF. YET THE REPS REFUSED TO USE THEIR INTELLIGENCE AND LIED TO ME SEVERAL TIMES SAYING THEY WOULD CALL MY NUMBER BACK TO VERIFY. THEY ALSO ASKED FOR MY SOCIAL SECURITY NUMBER MANY TIMES ; WHICH IS NOT STANDARD PROCEDURE FOR A CLIENT TO GIVE THAT TO THEM ; BUT I DID ANYWAY AS I FELT THREATENED. I WAS TREATED WITH NO RESPECT I DO EXPECT THEM TO UNBLOCK MY CARD AS MY CARD WAS NOT CONTINGENT UPON MY PHONE NUMBER ON MY CREDIT REPORT ; I ONLY HAD THIS ISSUE OCCUR DUE TO MY REQUEST FOR CREDIT INCREASE ; OTHERWISE THERE WOULD HAVE BEEN NO NOTIFICATION AT ALL ; WHICH THEY KNOW ; BUT THEY CHOSE TO BE HOSTILE, THREATENING, AND UNPROFESSIONAL AND BLOCKED MY CARD. THEY ALSO ON, XXXX STATED THEY WILL NOT SERVICE THE ACCOUNT AT ALL NOR FURTHER SPEAK TO ME, OR TRANSFER ME TO A XXXX AS I REQUESTED. THEY THEN HUNG UP ON ME TWICE.

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 2017-10-22
Company: Conn's, Inc.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
On or around XX/XX/XXXX, I visited a Store named XXXX XXXX XXXX. My intentions were to purchase this with cash for a Set of Theatre Chairs. 2 Weeks after purchase the Product stopped working due to an electrical Problem. After Several Phone calls and Emails back and forth with Manufacture and Store, Conns sent a repair technician to service product. It took 2 more months before the company deemed the product not repairable. No replacement parts were installed and no service completed on defective product. After several months and me making a call in XX/XX/XXXX, they finally deemed the chair to be exchanged however they wanted to charge me {$100.00} to deliver it. I told them No that Id rather have a refund. I also informed them in XXXX of XXXX that I was no longer going to make payments on the product if they did not repair the chair or exchange it. It its now XXXX XXXX and I continue to call them for refund, however they say they still ca n't do that because its against their policy. They still wanted to charge me XXXX. I told them they have falsely reported my credit as negative as they sold me a product that stopped working and failed to make it right. 

Id like to file a complaint for falsely reporting my credit and have this removed from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-30
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Care Credit Synchrony Bank - can not make payment through automated system-rarely been able to bee advised in writing they have removed fees and charges but the balance never goes down. I have a balance of {$2200.00} for months. Asked to speak to Call Center Supervisor. Cust XXXX- Care got someone in Collections- sorry can not transfer you. [ XXXX ] XXXX Badge XXXX - Made payment! Confirm # XXXX XX/XX/XXXX {$110.00} They continue to call as " UNKNOWN ''. Do not know if tel spoof or what! Just have them post what they promised earlier-

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 2021-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After ending my forbearance period I was placed on a three month trial loan modification program. I was to make three on-time payments in which I did starting in XX/XX/XXXX. 
After making XXXX XXXX and XXXX payments I was placed on the loan modification program. The mortgage company then took my XX/XX/XXXX payment and applied it to XX/XX/XXXX payment. I was on forbearance in XX/XX/XXXX. The Mortgage company has now stated that as of XX/XX/XXXX I am 30 days late and as of XX/XX/XXXX I am 60 days late on my Mortgage loan. I would like the 30 and 60 day late reports to be deleted due to Covid-19. Until Covid-19 my mortgage payment was never been late for over 8 years. 
Thank you, XXXX XXXX XXXX XXXX.

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 2021-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I applied for a small loan online, it ended up being fraudulent. They asked for my income date and apartment rent. I received a call at work from my landlord saying I havent paid and I reversed my payments from XX/XX/XXXX up until XX/XX/XXXX. I did not authorize these claims. I called the bank and told them the situation. When I spoke to BOA, they went back, canceled and return the money back to my landlord/merchant on XX/XX/XXXX. I am now in debt with the bank because of this fraudulent activity and now in jeopardy of losing my housing and my other expenses needed for daily life.

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 2021-12-09
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This letter is regarding a credit bureau named in the company section of this complaint. I am reporting this credit bureau because they are listing a public record that they got from a third-party data broker such as companies like XXXX XXXX XXXX XXXX has recently moved that public record per my request per the FCRA guidelines. So I am also asking that you demand that this credit reporting agency quickly do the same otherwise that will be grounds for a lawsuit for them not following The law. I have requested such information such as this public record for the bankruptcy to be removed and they have refused to do so so Im petitioning you to demand that they do it now that the data broker XXXX has removed it from their database. If after you demand that they do it and they dont do it that will be grounds for a lawsuit for not following the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: First Federal Credit Control, 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: Information belongs to someone else

Complaint:
XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX  SERVICES CREDITOR CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX BALANCE OF {$130.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX CLOSED ON XXXX  FIRST FED CREDIT CONTROL ORIGINAL CREDITOR : XXXX XXXX XXXX CREDITOR CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX BALANCE OF {$110.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX BALANCE OF {$18000.00} To whom it may concern : I have been contacted by your company about a debt you allege I owe. 
I am instructing you not to contact me any further in connection with this debt. 
Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so.

Please reinvestigate this matter to have them [ delete or correct ] the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on [ identify disputed item, creditors name and whether it is a credit account, court judgment, etc. ] is [ inaccurate or incomplete ] I am requesting that the item be removed [ or corrected ] immediately.

Enclosed will be a copy of my police report pertaining to the item supporting my position.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation