BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-28
Company: General Information Services, Inc
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I was hired by XXXX and two days after being hired, and doing work for XXXX, was told I had to be sent home because I had apparently falsified something on my application. I was provided a copy of my consumer report from GIS, the company that runs the reports for potential employees, and discovered XXXX issues : Another person 's name, " XXXX XXXX '' was under my SSN, and also my criminal history was being held against me as being falsified for not supplying any information ( their online application did not ask me to submit my criminal history, just to consent to a background check, and on my consumer report this is listed as " not provided / non-applicable '' ). I was told I had 5 days to dispute these findings, but was notified by XXXX that I was already terminated based on these findings before any disputes were even reviewed. I faxed GIS a dispute form with a copy of proof of identity ( my Social security card ), and mentioned several times the application process never requested my criminal history ( all of which was disclosed at the interview anyway ). It has now been 5 days, and I have not heard back from them and I still do not have a clear answer from either GIS or XXXX as to what was " falsified '' on my application, so my attempt to prove or disprove anything within the report is speculative at best. I have faxed, called, and emailed both companies at several levels, and still received no explanation for what they believe was falsified, and have been told multiple times that I am already terminated because of information found in my Consumer Report provided by GIS, despite the review process not even being completed yet. This is against my rights under the FCRA.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: BB&T CORPORATION
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I needed to change the bank BB & T Bank used to Automaticly Draft Payment from. On XXXX/XXXX/2015, I went on the BB & T websit and changed the bank from XXXX XXXX to XXXX XXXX XXXX XXXX XXXX. My {$590.00} payment was set up to be withdrawn, but since my XXXX 2015 payment was due the next day, and BB & T Bank website noted it would take at least XXXX payment cycle before my payment would be automaticly drafted, I elected to pay the {$590.00} payment immediately. The next day, XXXX/XXXX/2015, BB & T automaticly drafted another payment of {$590.00}. So, I called BB & T Bank and asked for EXTRA payment to be refunded. I was told to go to my local BB & T Bank Branch and fill out and sign some forms and provide a copy of my bank printout showing the BB & T Bank withdrawals from XXXX XXXX XXXX. So I complied with both requests. One week later, I was called again by BB & T Bank saying they could not fullfil my request because I had not sent the copy of my bank transactions from XXXX, I explained, I had, they said they would contact the branch. Later they called me back saying it would take them another XXXX business days to wire the funds back to XXXX. It is now XXXX/XXXX/2015, I checked my BB & T Bank Mortgage account and the funds were finally taken back out on XXXX/XXXX/2015 ( 15 days after the error ) but still had not been sent to my XXXX XXXX XXXX checking account. I hope it is not legal for them to keep holding back my money, because I am having to pay 15.50 % interest on this money they are keeping from me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citigold checking account with promotional code XXXX XXXX. I confirmed with a Citigold rep before opening the account that I was eligible for this offer. Just after opening this account, I confirmed again, and the rep confirmed that I was still eligible for this offer. I was supposed to receive my points by end of XXXX. I opened an investigation with Citi via chat and they said they would launch an investigation into the matter and let me know by XXXX/XXXX/2016. After that when I keep contacting them, they claim that the investigation will take a few days longer. The account has a monthly fee of {$30.00} which I have already gotten charged for ( and will get charged for again ), so I preferably want the miles ASAP.

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 2022-05-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
N Accordance with the Fair Credit Reporting act XXXX Account XXXX, XXXX, XXXX, has Violated my rights. 

15 U.S.C 1680 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 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 2022-05-18
Company: WESTERN UNION COMPANY, THE
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Got scammed for XXXX dollars though western union after I sent the money I knew I messed up. Called them less than a minute later and they said there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Billing statement

Complaint:
I have had a Macy 's credit card for years. I was emailed a statement notice on XXXX/XXXX/XXXX. Previously, I have paid when notified without question, but this time I knew I had not used my card in a very long time. I thought maybe someone had fraudulently used my card. When I looked through the past statements, I found that I have been being charged a minimum {$2.00} per month interest charge even though I have not purchased anything on this card. Is this legal?? This makes me wonder how many times I have paid this questionable charge unknowingly. I can only see the last six months online, and all dollars I have paid to Macy 's within this time frame have been strictly for this charge. I suspect they may have been posting this charge on my account for even longer. 

I fully paid off my balance owed XX/XX/XXXX, and since then I have not made any purchases, I did not expect to have owed anything. I only have made payments when Macy 's emailed to notify me. I also noticed that Macy 's has dropped my credit limit to {$100.00} from {$600.00}, surely due to my late payments of these questionable interest charges. How is it I am being charged interest on nothing purchased? Once I paid off my balance in XX/XX/XXXX, I was still assessed this iffy charge XX/XX/XXXX, and then monthly ever since. I will attach a copy of the statement showing I had paid off my balance fully.

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 2022-10-08
Company: Experian Information Solutions Inc.
State: IL
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 Account # 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 a 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.

purpose.

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 2022-05-18
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX  XXXX ( XXXX, Open Date XX/XX/XXXX, High Balance {$1200.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: CBC Companies, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I will like to request a security freeze and address update on my file. The correct mailing address is XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NC XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Sirs, according to your Consent order File no. XXXX XXXX Citibank NA has a consent order against them for several violations. I received a default judgement under these pretenses, on XXXX XXXX, XXXX, original start date XXXX. Citibank has never taken this judgement off the record as ordered by CFPB, nor have they wrote me on this subject. This should be a vacated judgement, as you have indicated the company to follow.

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 2022-05-18
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX XXXXXXXX ( XXXX, Open Date XX/XX/XXXX, High Balance {$1200.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and XXXX XXXX XXXX immediately : XXXX XXXX  XXXX XXXX XXXX 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 2020-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Capital one for 1 year well not take my calls or accept my mail, they sued me and was dismissed I can not resolve this matter or offer a pay off because capital one is u responsive!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: LEXISNEXIS
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I will like to request a security freeze and address update on my file. The correct mailing address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: EQUIFAX, INC.
State: VA
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: Problem getting your free annual credit report

Complaint:
XX/XX/XXXX - I tried to contact Equifax by email and ran into the same problem I had in my inability to obtain a report. Equifax told me to enter a verification code from my email address. Instead of receiving a verification code, I got something that can only be described as a phony email. In both cases, I received the following : From : no-reply@email.equifax.com Sent : Tuesday, XX/XX/XXXX XXXX PM To : XXXX Subject : Your One-time Verification Code Enter your one-time verification code to access your account SIGN INTO MY ACCOUNT Your Verification Code Dear XXXX, Thank you for requesting your verification code by email. To complete your authentication, use the following code : Please note that this verification code will expire in 30 minutes.

If you did not initiate this change or believe an unauthorized person may have accessed your account, please contact Equifax support. 
Sincerely, Your Equifax XXXX XXXX  Team Privacy Policy | Terms of Use | FCRA Copyright Equifax XXXX Please do not reply to this email. For help, visit Equifax XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-08-07
Company: Experian Information Solutions Inc.
State: AR
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:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX XXXX  XXXX {$78.00} XXXX XXXXXXXX XXXX XXXX {$13000.00} XXXX   XXXX XXXX {$100.00} THE COMPANY

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 2021-09-04
Company: Diversified Acceptance Corporation
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, Im contacting you about the company M. Leonard & Associates XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX. They are inaccurately reporting information to the credit bureaus. They are continuously and unlawfully re-aging this account and adding unrealistic fees that is showing up on my credit report. 

This is deemed as derogatory and ILLEGAL!! They have NOT sent me any information whatsoever that they are not licensed to collect in the State Of California. They have not validated this debt with me with no signatures on any letters.

It is illegal for debt collectors to re-age credit accounts. Re-aging is a very serious violation of the Fair Credit Reporting Act. They have violated my rights as a consumer and I am requesting this be removed from ALL 3-credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18
Company: Benuck & Rainey, Inc.
State: NH
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received correspondence from Benuck & Rainey on XXXX/XXXX/2015 for an outstanding debt of {$130.00} from XXXX XXXX XXXX XXXX. At the time of the services my mom 's insurance paid for all services ; however, the company claimed that I owed {$120.00}, see enclosed. This company has been harassing mean while I am in school and keeps threatening me if I do n't pay this debt. I am only XXXX XXXX XXXX and I do n't know what to do, so they told me to pay them {$130.00} or else I would have bad credit and would not be able to get student loans for college. I was forced to pay them from my summer 's savings as I was afraid that this matter would jeopardize me starting my next semester of college which would start in just a few weeks. 

No sooner that I had paid this bill, I received another bill from them, this time for {$410.00}. ( see attached ). I was again very surprised and started crying because I do n't know what to do. When I went back to look at my past statements from XXXX XXXX, it showed that I owed only {$94.00}, but again, my mom 's insurance pays for everything. 

I keep receiving phone calls from this company everyday, even when I am in class or out on the field practicing demanding that I pay this {$410.00} that I do n't owe. Despite asking them for proof that I owe them this money, they continue to harass me, they 've even called my other while she is at work, even though I never gave them permission to call her.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: Conn's, Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Conn 's Home Plus contacts me via XXXX phone calls per day to collect the monthly charges if I 'm late paying them. They give an XXXX grace period to pay pass the due date but they will still call during that time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
HFC ( household Finance Corporation ) fraudulently altered loan amounts and property description from originally agreed on terms. They foreclosed and proceeded to evict without repairing the fraudulent numbers. I committed the contract to rescission in 2007, when HFC refused to address any of the issues. Since then, they have continued to force us to abandon the property ( illegally, because there are XXXX other property owners on the fraudulently sought after acreage ) by threats, foreclosure, false trustee sales, and writs for eviction.

Company response to consumer: Closed with explanation