BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-11
Company: Consumer Adjustment Company Incorporated
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a collection on my credit report for Consumer Adjustment Co for {$490.00}. However, I have not received a written notification of this debt. I've contacted the original creditor that's on the report, XXXX XXXX XXXX XXXX XXXX, and they have not heard of Consumer Adjustment Co. This appears to be fraudulent, and I want this removed from all 3 credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: MN
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:
XXXX XXXX XXXX show discrepancies between the credit reporting bureaus. Equifax shows 90 day late payments XXXX to XX/XX/XXXX while XXXX does not report a 90 late payment until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: EQUIFAX, INC.
State: AZ
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:
XXXX XXXX has a Pre-Qualifying tool online that advertises that you can prequalify without affecting your credit score. Unfortunately for me, I was using this tool for over 1 year. I pulled my credit report recently and noticed I had several inquiries on my report from XXXX XXXX from using their qualifications tool. I contacted XXXX  XXXX with my concerns and was told maybe l used the tool incorrectly. It is impossible for anyone to use this tool incorrectly. When prequalifying, you must enter your information into the fields presented. This tool will then populate what you are qualified for. Once qualified, you select the card and then you select Apply. Unfortunately for me, I was only prequalified for the secured card which I accepted on XX/XX/2021. Each time my score goes up, I always try again but still only qualify for the secured. My issue is all these inquiries that are not supposed to be on my report is appearing when its not supposed to affect your credit score. These inquiries need to be removed because this is real bad practice

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX Account # XXXX have 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 2022-02-09
Company: Radius Global Solutions LLC
State: NC
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 an identity theft victim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Every month I am charged interest on a cash advance i already paid off. Capital one card ending XXXX. Ive called and ive been told my payments are not being applied to that interest. Why? Cant tell me .... when times are as hard as they are, capital on shouldn't be charging this interest, now a year total of XXXX dollars a month illegally charged plus the extra interest that has accumulated with that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: NY
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 personal data was part of the Equifax breach, which means I can now look forward to a strongly increased chance of identity theft in my future. Equifax failed to adhere to basic common sense cybersecurity protocol when it came to storing and protecting my data. It also fumbled the response and the damage-control process, reducing opportunities for people to respond effectively to preserve the privacy of their personal information. Equifax behaved carelessly and sloppily, to the point of near-malignancy, when handling what should have been its most sacrosanct and fundamental priority : keeping people 's data safe and out of the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: WA
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 personal information has been released to the public. My Social Security number, birth date, and addresses were included. I am not sure yet if my credit card numbers or driver license have been affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: NJ
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:
Equifax leaked my name, social security number, and address in a security incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Bridgecrest Acceptance Corporation
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: Was not notified of investigation status or results

Complaint:
I have having a problem with Bridgecrest formerly known has XXXX. 
I call them and made payment arrangements now they keep reporting that am late on payments.. Which I was not. I have spoke to them several times and they tell me that I have no lates but on my credit reports they are reporting lates. This is really effecting me to purchases anything on credit. I dont see how they can say one thing to me then report something different .I would like this matter fix as soon as possible I dont not have 4 late payments are they are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Square Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was using the cashapp to receive money from a guy that I sold a phone too. The guy sent the money and the Cashapp was supposedly holding it for 48 hours to make sure I sent it. I had to send a photo of the tracking information. I never received my money and was told by email through the cashapp that he the buyer was to send another payment of {$500.00} to be able to release my money and he did. But then they wanted me to go buy 5 {$100.00} XXXX XXXX cards and scratch of the back of them and send a photo to them. I didn't as I believe this is a scam and I went and stop the photo through usps to be returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Over the last week, I have been unable to access the bill pay part of my account. I have tried to contact the bank through : Chat, email and phone. I have received no response to my chat messages nor the emails, and the wait time on the phone has exceeded two hours. I need to change/cancel my bill pay reoccurring payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-25
Company: Rauch-Milliken International, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a repetition of complaint number XXXX filed against XXXX XXXX. XXXX has apparently sold the account to Rauch-Milliken International , Inc , and we are now filing a complaint against them. 

We are a practice of psychologists. Through XXXX we did business with The XXXX XXXX ( aka XXXX and XXXX ). In XX/XX/XXXX we advised XXXX through a letter we would honor our contract, which ran through year 's end, but we did not wish further services from them after XX/XX/XXXX. However, XXXX continued to bill us for several months in XXXX, and when we did not pay, turned the " debt '' over to XXXX XXXX XXXX XXXX which has subsequently sold the account to Rauch-Milligan International , Inc . I advised XXXX in three letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) we did not wish their services and advised Convergent Commercial through another letter dated XX/XX/XXXX that the " debt '' was for services we had never ordered. I have since then advised Rauch-Milligan of the same thing. We have never received any acknowledgement from any of these businesses ; instead, we have received threatening letters and phone calls, many of which threaten legal action. I once explained the situation to an agent trying to collect the " debt, '' but she took a belligerent tone and was not interested in what I was telling her. Thus, I am at a loss as to what to do. We were billed for services we neither wanted nor orfdered and have been charged a ridiculous amount of interest on the original " bill. '' Is there some way to communicate with these people? I am not allowed to bill random folk for therapy sessions we never had, and I am not sure why XXXX and these collection companies feel they can collect money for services our practice did not order. I might add that all of the letters I have sent have been witnessed ; we do not have a scanner, and so I can not attach them to this compliant, but I would be happy to FAX them to you if that would be useful.

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 2022-02-09
Company: KEYCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My landlord emailed me on XX/XX/XXXX and asked me about a check from XXXX that he believed was not deposited. I asked him to give me a few minutes to research it. I emailed him back and told him that I wrote the check on XX/XX/XXXX and that he deposited it on XX/XX/XXXX and if he needed proof to let me know. I never heard from him. On XX/XX/XXXX when I was checking my bank statement I saw that he cashed that check in the amount of {$1600.00}. I immediately tried to call him and it went to voicemail. I went back online and took screenshots and texted him to show that he already cashed that check. Still no response. I called my bank who researched the information and confirmed that this check was already cashed 2 years earlier but I needed to wait 2 business days to get my money back. How can a bank cash a check that is XXXX years old? My landlord knew this was cashed, I told him and I have the proof on email that I told him it was cashed yet he still cashed this check causing my account to go into default.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
TRANSUNION 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 XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2019-11-26
Company: CITIBANK, N.A.
State: MD
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/19, Citibank notified me of a fraudulent transaction and suggested to immediately close out the account.

Citibank immediately closed the account claimed a new card was mailed out on XX/XX/2019, however, I did not received the card untilXX/XX/2019.

My account is marked as paperless, which means I must retrieve all information concerning this account online.

My payment was due on XX/XX/19, Citibank blocked my ability to make a payment online or find and verifiy charges that were placed on the account after the account was closed. 

Citibank marked my payment as late, charged a late fee, then double the amount do during the next payment cylce and to date has not fixed or provided access to online account or made it impossible for me to make any payments. 

I have contacted Citibank ( 5 ) times and got outsourced representatives in another country that can bearly speak King James english who refused to fix the account waive late fee and reduce amount of payment due on the next cycle. 

Citibank created a problem that affecting my credit score, cash flow and ability to use their card during the holiday period. 

I am requesting formal investigation in Citibank busines practices and asking the CFPB to enact or enforce current laws and protection senior citizen 's with disabilities from this type of abusive business practices.

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 2022-02-09
Company: CMRE Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX has failed to validate an alleged debt after submitting a written affidavit requesting validation via certified mail. They have infringed on my private information as well as my infants private information including medical record number and date of a major XXXX. This is a major XXXX violation because I have never done business with XXXX XXXX XXXX yet they have attached a false medical debt to my consumer reports defaming my reputation, name and brand. I have never signed a contract with this corporation & have no idea how they gained access to our personal private medical information. They have committed identity theft according to federal law and have given me health and marital problems due to their illegal tactics. My request has gone ignored & I am enforcing the law. A final notice of default has been sent to the company via certified mail. Complaint is also being forwarded to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: Fay Servicing, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have been with this company Fay Servicing since 2015 and have been faithfully paying our mortgage which includes the escrow ( taxes and insurance ). Recently they did an escrow analysis and said that we owed them over {$7000.00} and hit us with an additional {$1400.00} to our existing mortgage. This is expected to pay for a full twelve months until as they claim that we pay them back. I have called the company over two weeks ago and spoke to manager. She assured me that the company would look into and send the escrow analysis back through. I confirmed on my end by calling my local tax government where the properties are located. I have sent the company each tax statement in which we Not only owe taxes but we have a {$5000.00} credit. I don't understand this at all and don't want them to attach this to our credit because we have fought extremely hard to get to this point. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've contacted XXXX XXXX XXXX  & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late payments from this account : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: Richland Bureau of Credits Medical Service Bureau Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received notice in the mail to my new address from a company named RBC on XXXX XXXX, XXXX saying my husband and I owed our previous landlord {$4500.00}. We sent a letter by mail on XXXX XXXX, XXXX by certified mail requesting they needed to verify this debt. They sent a letter back with copies of our old lease dated from XXXX to XXXX. and an itemized list of what the money was supposedly spent towards with old landlord 's information on the bottom, no other information. We just received another letter stated we needed to start monthly payments for this debt but we have not lived there in over a year. We didn't owe anything and he took our last month 's rent to the eviction court. We didn't even know we were evicted. We just saw the eviction on our record after receiving this letter. We are unsure what is going on or how to fix this man from trying to tarnish our credit and records with false information. We left because he told us he didn't want our rent anymore we received a three-day notice and moved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: WELLS FARGO & COMPANY
State: IL
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 recently moved ( XX/XX/2019 ). Up to that time I had been making payments to Wells Fargo Dealer Services for my vehicle. I had switched jobs and had a lot of things happening. I went 30 days past due, no contact from Wells Fargo on payment due. They have my phone and email address but failed to contact me. I received a credit alert via credit monitoring and when contacting Wells Fargo I was told that they indeed failed to contact me. I proceeded to pay the entire balance and set up auto payment with them. Every other financial institution will reach out and contact you, Wells Fargo is more interested in destroying credit than customer service because they declined my XXXX   dispute to fix this.

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 2022-02-09
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have made repeated attempts over the last 6 months with XXXX XXXX, XXXX, and Experian to REMOVE whatever credit BLOCK, LOCK, OR FREEZE from my credit file. 
They have yet to do so. Today ( XX/XX/2022 ), I was denied the opportunity to open a SAVINGS account with XXXX XXXX XXXX XXXX because the bank manager stated there is still a BLOCK on my credit. 

I will be purchasing a car within the next few weeks and I DO NOT need this to affect my purchase. 

I DO NOT nor DID NOT authorize any credit bureau to place a credit BLOCK, LOCK, OR FREEZE on my credit file and I want it removed PERMANENTLY!

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