BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-11
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # 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 an 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 2021-03-19
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I have been calling this company sense XXXX of 2021 they will not return my calls I have also asked them to do an internal investigation which they have snowballed me for 4 months, I had XXXX and was in the hospital at the XXXX XXXX XXXX I called this company to let them know that I was sick and was told that my payment could be deferred sense I had a life treating illness the derrment was for three months and then you restart your payments and I agreeed to that so I asked them to get the phone records that they refuse to get and will not return my Phone calls and sent it to another collection agency and the price went up by XXXX dollars in 2 months they have lied about everything and to show the lies they have avoided me sense thmontheeen I call leave massages and they don, t call back for month, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: BARCLAYS BANK DELAWARE
State: NC
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:
Continually received unauthorized charges to my account and closed it in XX/XX/XXXX. Fraud Investigations confirmed the charges were not mine and reversed 2 out of the 3 charges and missed the third charge. Called numerous times to have the third charge removed. This was finally done but then in XXXX a fourth charge to the same retailer appeared on my account on XX/XX/XXXX, which appeared on my XX/XX/XXXX statement. Called Fraud Investigations on XX/XX/XXXX to have the fraudulent charge reversed, which XXXX confirmed was already done. In fact, the fraudulent charge was never reversed and I have now accrued penalties and interested to 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 monetary relief
Consumer complaint received 2015-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a few XXXX credit card account 's with my wife, however, there is an individual past due XXXX account listed on my credit report, as an individual account. I have never had an individual account with XXXX. I have asked for copies of documents, to no avail. This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
I was scammed into investing with a real estate/entrepreneur money making scheme called the Will to Win method. This company is know as XXXX XXXX and enticed individuals to open credit card accounts to pay for their educational services. In XX/XX/XXXXthe Federal Trade Commission issued Preliminary Injunction Order : XXXX, requesting XXXX XXXX to suspend all activity for services in connection with advertising, marketing, promoting, or offering for sale of any goods or services for making false claims. 

On XX/XX/XXXX the Federal Trade Commission filed the " Second Amended Complaint for Permanent Injunction and Other Equitable Relief '' Case No. XXXX vs. Zurixx LLC and the case is still pending resolution. The permanent injunction is attached. 

XXXX XXXX assisted and enticed me to open this account and charged me for their services which were deemed fraudulent by the Federal Trade Commission. I've attempted to contact to resolve this issue with Bank of America with no assistance from them. Countless hours have been spent trying to remediate the fraudulent charges but they do not agree. This has severely affected my Credit Score.

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 2016-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
There is a negative item on my report that only Tranunion has not removed from my report. The name of the original creditor is XXXX XXXX XXXX XXXX XXXX that states that I owe {$1000.00}. This is not mine and I have a letter directly from the Creditor ( Insurance company ) that validates this error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Siwell Inc
State: VI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am requesting that the complaint I filed with Capital Mortgage Services of Texas ( NMLS # XXXX ) be re-opened and investigated ( Complaint Number XXXX ). The reason I am requesting is that their response was not accurate based on the following additional information I am providing below. 

1. Today, Capital Mortgage funded a mortgage for XXXX XXXX XXXX. This home is in the same Condo home owners association as the property I am under contract to purchase. 
2. The loan was opened in their system on XX/XX/20. That is when they received this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Please be advised the credit reporting agency is reporting XXXX open tax liens on my account in error! Please see below. The credit bureau claims that the court furnished them the information but I called the court and they said they do not give out that information! Please see below! I also visited XXXX : XXXX XXXX The GA Delinquent Taxpayer List ) and searched my name and XXXX XXXX which is XXXX and there was NO DATA FOUND! 
Public Record Details Reference Number XXXX Date Filed XXXX XXXX, XXXX Date XXXX XXXX, XXXX Status Released Amount {$800.00} Classification Lien Type Tax Lien Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Public Record Details Reference Number XXXX Date Filed XXXX XXXX, XXXX Date XXXX XXXX, XXXX Status Released Amount {$360.00} Classification Lien Type Tax Lien Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 non-monetary relief
Consumer complaint received 2022-04-11
Company: Zarzaur and Schwartz, PC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ZARZAUR & SCHWARTZ, P.C is in violations of the following federal laws 15 USC 1692d - Harassment or Abuse, 15 USC 1692e ( 2 ) ( A ) - False and Misleading Representatons,18 USC 1028 - Fraud and related activity in connection with identification documents ( Social Security ). Pursuant to 15 USC 1692j, ANY forms, statements or any documents sent by your office are considered DECEPTIVE forms because they are being used to create the FALSE belief that I, the consumer to whom these alleged debt claims relate, owe you any alleged debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: Support Collectors, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recently discovered that Summit Account Resolution is reporting a debt that I do not owe to all three credit bureaus. After discovering this discrepancy I reached out via certified mail to Summit Account  Resolutions providing proof of full payment made to the original creditor and also requested removal of the negative account being reported. Summit replied by mail still requesting that I remit payment for a debt that I do not owe ( refusal to remove negative account ). This is a violation of the FCRA and if this matter is not resolved immediately I will be filing a claim for damages.

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 2021-03-19
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
To whom it may concern, I am writing this letter to inform the Consumer Financial Protection Bureau of a repeated violation of my right under the Fair Credit Reporting Act and the laws which is governed by both the State of Nevada and the Federal government with regards to both a previous and current credit dispute. Equifax submitted a previous credit dispute on my behalf asking the creditor also known as ( XXXX XXXX XXXX XXXX ) to investigate account ( XXXX ) for inaccuracies which the account was investigated and deemed accurate. However I recently reviewed the account for errors and inconsistences and found that ( XXXX XXXX XXXX XXXX ) has several months of credit data which is still reporting inaccurately I have listed those months in question for your review. The months are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As you can see by the document I which I have attached, XX/XX/XXXX ( 60 days past due ), XX/XX/XXXX ( 60 days past due ), XX/XX/XXXX ( 60 days past due ) and XX/XX/XXXX ( 120 days past due ). There are also several months whereas no data was entered XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. And last but not least, although this account has been charged off and closed, it is still reporting a balance and past due amount and has consistently reported charge off after the closed date which is showing up as a new charge off each month on my consumer credit report since the month it was reported as closed. These inaccuracy continues to further damage my consumer credit file on a month by month and year by year basis. Equifax/XXXX XXXX XXXX XXXX has had plenty of opportunities to correct these inaccuracies over the course of over 4 years but continue to work in partnership to ensure that my credit score remains unchangeable. Both companies investigated this matter within the allotted time frame provided by the Fair Credit Reporting Act and with disregard submitted this false and inaccurate information/data into my consumer credit file having verified by EQUIFAX that the information entered into my consumer credit file post investigation was correct. Recently, I have asked Equifax to " DELETE '' this account off of my credit file but they have ignored my requested and have since initialized a reinvestigation which is a violated the Fair Credit Reporting Act which is governed by both Federal and the State of Nevada. Given the numerous errors in credit reporting and the blatant disregard of both State and Federal lawand the several years of harm it has caused due to the inaccuracies, I ask that this account XXXX XXXX XXXX XXXX ( XXXX be DELETED/REMOVED from my consumer credit file promptly and permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
The Credit agency admits the receipt of proper documentation toward inaccurate information being reported from XXXX XXXX XXXX XXXX loan number XXXX They claim they cant find the name of the reporting mortgage company even documents from police department and supporting bank clearly indicates the reason for inaccuracy and removal of the wrong information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In XX/XX/2019 I deposited my short term XXXX check that Anthem had sent me check # XXXX ( XXXX XXXX XXXX ) from XXXX XXXX XXXX ( XXXX ) for the Amount of {$7800.00}. The account was created the day I deposited the check through Suntrust Bank in XXXX Va. The bank teller took all my info and made a copy of my Military ID and my SSN card. Opened a Savings and Checking account. The clerk printed my paperwork out gave me a packet with starter checks and deposit forms and my banking info. The next day I called and made sure my check had deposited and teller had told me yes the funds were available. So not having a ATM card at that time I went to Suntrust where I opened account and went in to withdraw some money and there they told me the clerk that opened my account did not get the proper ID information and therefore they had froze and will close the account for further investigation. I had informed the Manager that that was not my fault and I needed to either get the check back or I needed Suntrust to contact the check holder ( XXXX XXXX XXXX ) to reclaim check so I could get the check reissued back to me. Suntrust has given me the run around for a year and four months now. I had requested several times for Suntrust to notify XXXX XXXX XXXX they had this check on hold and they needed to reclaim it, but they said I had to get with the check holder and notify them of that the check was on hold. I have and the check holder said they tried to call and couldn't get any info on this. I need some assistance on getting the money that is owed to me back.

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 2016-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX XXXX need validation of debt done. the last payment date is missing. I need the full payment history from XXXX sent to me. Transunion has missing information. CRA 611-15 USC 1681 5 ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly DELETE that item of of information from the file

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 2021-03-19
Company: Experian Information Solutions Inc.
State: TN
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. There is a fraudulent account from XXXX XXXX being reported on my Experian credit report. The account with a balance of {$640.00} is a result of identity theft. I have attached copies of my ID and the FTC report for this account.

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 2022-04-11
Company: Incomm Holdings Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased a vanilla gift card on XX/XX/2022 and it was for {$100.00}. I checked online to see my balance and it was {$100.00}. XXXX minutes later I check my balance because it says it may take XXXX minutes for the car to activate and my balance is XXXX dollars. This is ridiculous. I did not use the card at all and I dont know who or what the company was that the person bought from

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was charged a overdraft fee, due to insufficient funds. Over 2 plus  years I signed a document stating if I dont have the funds in my account dont accept it. But Wells Fargo continues to accept it, so that they can receive the {$35.00} fee.

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 2016-02-04
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Other

Complaint:
I opened a Sears credit card for the purpose of purchasing a washer/dryer pair from Sears XXXX store in XXXX 2015. I was told as my sister is my witness that by opening credit card account to make purchase and buy the warranty that if I paid the purchase in full in 6 months that the warranty would be free. By XXXX I had paid {$1000.00} which was the purchase price believing that my account had been paid in full and that the warranty price would be adjusted since payment in full had been made well before the 6 months. By late XXXX I continued to receive bills from Sears regarding the remaining balance. Believing this to be a mistake, I contacted the credit department before the XXXX XXXX, payment was due. I explained the situation to XXXX who offered to extend the promo for another 6 months while this concern was being resolved. I had spoken with XXXX and XXXX in XXXX, XXXX in XXXX and XXXX and XXXX in XXXX. Supposedly this has gone to store manager XXXX XXXX, district manager XXXX XXXX and most recently to XXXX XXXX regional manager. No one has contacted me to resolve this issue. I was given a case number and every time I called I have to explain this situation to every representative thinking someone is going to help me. This has been the worse customer experience I have ever received. XXXX did make contact with store while I held for 20 minutes. An assistant manager XXXX came on the phone and said he had no way to contact district manager which I find hard to believe. It appears they do n't want to deal with this because what I told obviously was not true. I was misled into opening the account and now I am paying for something that should have been free. This is dishonest and wrong. You ca n't mislead consumers. They need to refund what I have already paid since XXXX and adjust the remaining balance. Rest assure, I will make no further purchases from Sears. I thought they were reputable and would take quick steps to resolve this. The corporate escalations well as the stores are playing games. But this is not funny nor is it right. I wonder if the CEO is aware of how they are running this company. I 'm sure social media would have a field day knowing Sears and Citibank are scamming customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-31
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Rewards

Complaint:
CitiBank ran a credit card promotion on XXXX XXXX XXXX, the promotion offered " XXXX ThankYou points after {$0.00} spent in 3 months '' when applying to their Citi ThankYou Preferred Credit Card. I applied to this card online and was approved. 
Upon receiving the card, I noticed the written promotion became " XXXX ThankYou points after {$1500.00} spent. '' I called CitiBank, and was told the original promotion was " their mistake, '' but they would honor it if I faxed in the screen shots showing the terms of original offer. Furthermore I was told if I spend {$1500.00} or more, I would be awarded XXXX points ( from the original offer ) and an additional XXXX ThankYou points ( from current offer for spending {$1500.00} ), essentially make the promotion to be XXXX ThankYou points rewarded after {$1500.00} spent. 
I faxed in the screen shots of the original offer in XXXX XXXX. And within 3 months, I spent the {$1500.00}. However after 3 months I noticed I was awarded XXXX points instead of XXXX. I called CitiBank, but was told that the additional XXXX points are being processed separately, and it will be deposited into my account likely within a month. So I waited another month, and when no points were deposited I called back again, and was reassured again that they are still taking corrective actions but needed another month. This continued every month for the next several months -- each time I called back they would assure me the same -- until XXXX XXXX. When I called in XXXX the representative on the line told me since they had already deposited XXXX points, they consider my case to be " corrected '' and no additional points will be awarded. When I mentioned that CitiBank has been promising XXXX points all along for the past 7 months, the representative refused to acknowledge and said she considers my case has been resolved. 
In summary, CitiBank first used false advertisement to get people to apply to their credit card. After the card mailed, they claimed the initial offer was " a mistake '' and promised a resolution to get people to spend money on the card. But after their customers meet the spending requirement, they refused to honor their promise.

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