BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-25
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I received a report that I was added as an authorized user on a credit card without my consent or knowledge. I contacted the bank and they would not provide me any information on how this happened nor allowed me to remove myself as an authorized user.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
An account on my equifax report has been disputed twice once last year and again in XXXX of this year and it is for XXXX XXXX XXXX. The company either never responded to the dispute of equifax did not reflect any changes to the account. It still shows n/a for amount and date of last payment but shows I was over 90 days late. If the creditor did not reply within 30 days to validate the debt from the credit bureau then it should have been removed a long time ago. I would like for this item to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Trans Union is reporting that I am late on child support every month. That is not true. My child support is drafted out of my check every month. I have disputed this error with Trans Union, but they are still reporting it on my credit. I contacted the Attorney Generals office and they confirmed that I am not late on any child support

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 2018-11-30
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Since my divorce in XXXX I have been scrupulously diligent in paying my bills on time. Only once in the past five years has a bill been over 30 past due and after calling the creditor ( XXXX XXXX ) it was found that an error had been made and they corrected it the next month. Recently my wife ( who had been paying the XXXX 's bill because she had purchased XXXX XXXX gifts for me ) missed XX/XX/XXXX payment and I promptly paid it. ( approximately 35 days after the due date ). I called XXXX 's at the time and they could offer no help in rescinding the credit report filing. 
I assumed that my current credit scores ( XXXX, XXXX, XXXX ) would drop about 20-30 points at most. My current scores according to my XXXX XXXX account are ( XXXX, XXXX, XXXX ). An aggregate drop of 86 points across all three major reporting agencies. 
I understand it is my responsibility to pay my bills on time. As is evidenced in the XXXX XXXX credit score report attached there is only ONE late payment in the past two years ( all the further back I could go with their system ) I feel that this significant of a drop in my scores is at best an error on credit bureaus part and at worst a malicious and damaging attack on my financial well being.

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 2022-09-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Citizens bank account in XXXX XXXX with the promotional link that said I would earn {$600.00} to open a new account. {$300.00} if I deposited {$500.00} or more ( completed ) and {$100.00} for using my debit card ( completed ). I did not complete the savings portion. I never received my promotional bonus. 

I reached out to customer service and they said that I needed a code, which no where on their website says that. It says you can use the link which I did. The customer service looked into it and just said were very sorry with no help to resolve this issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Since my divorce in XX/XX/XXXX I have been scrupulously diligent in paying my bills on time. Only once in the past five years has a bill been over 30 past due and after calling the creditor ( XXXX XXXX ) it was found that an error had been made and they corrected it the next month. Recently my wife ( who had been paying the XXXX 's bill because she had purchased XX/XX/XXXX gifts for me ) missed XX/XX/XXXX payment and I promptly paid it. ( approximately 35 days after the due date ). I called XXXX 's at the time and they could offer no help in rescinding the credit report filing. 
I assumed that my current credit scores ( XXXX, XXXX, XXXXXXXX  ) would drop about 20-30 points at most. My current scores according to my XXXX XXXX account are ( XXXX, XXXX, XXXX ). An aggregate drop of 86 points across all three major reporting agencies. 
I understand it is my responsibility to pay my bills on time. As is evidenced in the Identity Guard credit score report attached there is only ONE late payment in the past two years ( all the further back I could go with their system ) I feel that this significant of a drop in my scores is at best an error on credit bureaus part and at worst a malicious and damaging attack on my financial well being.

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 2015-08-06
Company: The CMI Group, Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i continue to get calls from numerous people who hang up when you ask why they are calling you from phone number XXXX the reps are rude and they have no info on the who the actual bill is owed to.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12
Company: JH Portfolio Debt Equities, LLC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
To whom it may concern : This is to let you know that I requested JH Portfolio Debt Equities LLC on XXXX 2014 to cease all collections activities since the debt in question is time barred and is no longer collectible or enforceable ( see attached ). 

The initial date of default on this debt XXXX original creditor : XXXX XXXX was over XXXX years ago. I have never acknowledged this debt, or made any promise to pay. This debt is past the statute of limitations in all states, including Pennsylvania. 

JH Portfolio Debt Equities has violated provisions of the FDCPA by implying that the legal status of the debt is collectible ; specifically, by reporting the debt to credit bureaus ( see attached XXXX print out ). The specific provision violated is : XXXX 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debtand ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

I would like to solicit your help and expertise in dealing with this matter, as this company may be exploiting law-abiding citizens XXXX of Pennsylvania. 

My ideal outcome would be : a ) proof from JH Portfolio Debt Equities that this debt is enforceable - if at all it is. This includes all prior monthly statements and payment records on this account. 

b XXXX confirmation from JH Portfolio Debt Equities that they have requested the immediate removal of these records from my credit reports XXXX XXXX XXXX. 

c ) under the FCRA and FDCPA, each violation is subject to a {$1000.00} fine payable to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
The original loan was with XXXX XXXX then XXXX XXXX XXXX purchased my load then sold it to XXXX then changed their name to Shellpoint. I have on many occasions asked that my loan be modified into a 30 year fixed they will not respond to my request. These loans were a horrible thing they did to consumers and I have tired many times in the XXXX years to get out of the ARM. My loan payment goes up every XXXX months the original amount was {$1200.00} a month has now increased to {$1400.00}. I can not continue this madness!!! I NEED HELP!!! I contacted my Congressman who suggested that I contact your company since my request have went unanswered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Wolf River Development Company
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I took out a payday loan from fine day funds in XXXX of this year for XXXX dollars.My loan # XXXX. My payoff amount is XXXXIve made two payments of XXXX .The third payment was returned by my bank this XX/XX/2022. The fees and interest on this loan is very high and illegal in New XXXX XXXX struggling to pay this loan back along with my other bills.I was in a desperate place at the time after the wave of Covid 19 hit all of us.I needed money and I applied should have known better but this is to much .Then I read payday loans are in illegal in New York and New Jersey.Also tribal loans do have regulations in New York.Im living on my Pension and cant afford all these payments.Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I want to change my password on the TRANSUNION website. I already have an account on their website, I just want to change the password. I follow their online process to do so, and it then says it will send me an email with a security code of some sort. They never send me this security code. I can send and receive email perfectly on my XXXX email account, but I never get the security code from TRANSUNION . I called and spoke with one of their agents who was unable to assist. Very frustrating, unacceptable, unresolved.

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 2022-12-27
Company: CITIBANK, N.A.
State: PA
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 has left a fraudulent Hard Inquiry on my personal file from Citibank XXXX, that I did not authorize nor do I have any accounts or relationships with, I also contacted Citibank and they have incorrect info on me, neither is deleting and are not in full compliance with federal credit fair reporting compliance

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 2022-08-24
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company in question is TRANSWORLD SYSTEMS INC I reached out to both Transworld and XXXX, XXXX, and XXXX about the account but to no avail. 
When I reached out to Transworld to let them know the information was inaccurate because I did not open an account with them, especially for the dates being reported. 
the information was totally false and I've never done any business with TRANSWORLD SYSTEMS INC And thru the credit bureaus investigation, they have not provided any proof of me opening an account but still allow this account to hinder my credit score and livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: CNG FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
During the year of XXXX I took out a Payday Loan of XXXX dollars at the store location : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX which is no longer open for business now! It is closed down! I paid this company XXXX dollars back but was unable to pay the interest amount to them due to the Pandemic. I was told since I default on my payment plan I XXXX to start over and pay XXXX dollars to them. After talking to Check N Go on yesterday, I was told my account was sold to a XXXX XXXX called : XXXX XXXX XXXX located : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. XXXX have harassed me with phone calls threatening to have me served at home or my work with papers. Even after me telling this company I just had XXXX XXXX and other illness they continue to harass and threaten me. The lady told me she didnt care. 
Please.help me to solve this problem! 
Thanks! 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX XXXX XXXX is reporting a negative account on my report. After two attempts, Capital One was unable to provide me with my signature and prove that account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Medical Data Systems Inc has not validated the debt and the debt does not belong to me. Medical Data Systems Inc is in violation of the Federal Debt Collections Act pursuant to 15 U.S. Code 1692b - Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; Medical Data Systems Inc please Cease and Desist pursuant to Federal Debt Collections Act 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; Immediately remove the collection account from my credit report. Medical Data Systems Inc has not validated the debt and the debt does not belong to me.

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 2018-11-30
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit grantor is refusing to properly validate debt as it on my credit reports with a different account number with each bureau. Amount owed as stated on my report is {$760.00} and i have been disputing this with the 3 major bureaus for over 3 months to get a proper resolution.

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 2017-12-24
Company: EQUIFAX, 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:
Equifax has admitted that my credit file has been breached. They are distressed with me since they knew my file was breached over two year ago, and they are charging me for monthly monitor. Why is it that Equifax are getting away with ruining consumer lives? Thieves are using my information all over Georgia with impunity. I have been targeted by criminals about two years ago, or so. They are mendacious saying this breach started in XXXX 2017. 
In fact, this is a bold face lie. Earlier this year someone got a XXXX card in my name, they did an address change first, then got the card. 
They are still with this trickery and foolery. I need to know what could be done to Equifax criminally. I filed a complaint against them with the Consumer Financial Protection Bureau. Within hours they put thirteen ( 13 ) negative accounts on credit file. Those accounts are either, fraudulent, my daughter, or my son. 
However, it didnt matter to them because it is vengeance, and revenge against me for filing that complaint, and letting other consumers know the breach took place earlier than the timeframe they told us. This is unacceptable and unenforceable, and this is an unscrupulous bid by Equifax to inject itself from legitimate deed against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: WLCC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
A loan offer of {$300.00} was extended to me online but to accept the loan it required me to authorize automatic debits from my checking account. I did not accept because I wanted to make payments manually instead. The lender called me and asked if Id like to accept the loan offer and I said yes, but only if I can accept it without authorizing automatic payments. The person said that was not an option and then told me nevermind, it looks like we wont be able to offer you a loan. I will attach copies of the emails I received where they at first offered me a loan and then later denied the loan after I had spoken with the company about declining automatic payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
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 went to the bank to get a business XXXX loan from XXXX XXXX bank and i was denied a XXXX loan because of fraudualent information on my report dropped my score down dramatically I filed an FTC REPORT which is attached to this complaint. I NEED THIS REMOVED ASAP. When I called into Equifax and i spoke to the fraud dept, with an agent name XXXX at XXXX pm XX/XX/XXXX Who refused to help me. when i asked to speak to a supervisor he denied me and said that they will only tell me the samething. I then asked to speak to the supervisor again. He put me on hold for over 20 minutes and hung up the phone i never spoke to the supervisor. I am disputing this fraudualent infomation with all Credit reporting agencies XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX - XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXXL Inquiry : XX/XX/XXXX + XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine. 

I do not recall this account. Please provide documentation with my signature and services rendered validating that this account is mine. 

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-24
Company: MARINER FINANCE, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Non stop this company is harassing myself, XXXX XXXX. They call while im at work and say i owe a debt and dont even know who they are!

Company response to consumer: Closed with explanation