BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-16
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card
Issue: Billing disputes

Complaint:
I have been a loyal customer of XXXX XXXX for a very long time. When we received the last statement and reviewed the summary it appeared to be incorrect. It appeared to rebill a payment made against the prior statement that was paid in full. The amount in question is {$330.00} for the balance due for the XXXX 2015 statement which had been paid in full. 
Assuming the payment/credits and new charges amounts were correct then the current statement was over stated by the amount of the previous period payment that was made. Thus, instead of a new balance due of {$650.00} it would be {$310.00}. 
However, if you apply the standard accounting practice of calculating charges less any credits to identify a balance for all the charges and credits on the statement without dealing with any prior payments made or your payment in full and pay over time sub accounts you get the following : Audited Charges on Statement Agreed to = {$2100.00} Less credits shown on statement ( not incl. any previous payments = ( {$1900.00} ) Balance due {$240.00} I have tried to reconcile this issue with XXXX XXXX through written and phone communication however ; to date, XXXX XXXX personal whom I have tried to discuss this issue with have not been willing to go over the detailed math with me, have deferred the issue to someone else with no follow-up and have threatened me with fees and to report me to the credit agencies if I do n't agree. 

I would not expect this treatment from XXXX XXXX. It brings into play questions regarding reasonable customer service, a resolution process that is fair and timely, trust, ethical conduct and my consumer protection against a large overbearing company that will not reasonably resolve issues without threatening a person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Account name XXXX and 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-28
Company: EQUIFAX, INC.
State: IN
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 wi the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX account number 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 response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: CITIBANK, N.A.
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a Citibank Gold Checking account in XXXX 2015 with a promotional code. The promotion was to receive XXXX ThankYou points after making two monthly bill payments. I met all the requirements and starting paying the monthly ( {$30.00} ) account fee. I have not received any points. I have contacted CitiBank about this twice and they keep giving the same response " Unfortunately, there was not ThankYou ( R ) Points promotion offered in conjunction with the opening of your account. While Citi does offer ThankYou ( R ) Points promotions at times, those offers are only available to the individual to whom the offer was addressed. We understand this is not the resolution you had anticipated. '' This statement is incorrect as the promotional code was a public code and my husband had successfully been through the process a month earlier and received his points. I would not have signed up for the bank account if I had not had the incentive of receive the points to offset the high monthly account 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 monetary relief
Consumer complaint received 2015-12-30
Company: Receivable Management Group, Inc. (GA)
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This was paid last year in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: ALLY FINANCIAL INC.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I've notified the bank that my phone number has been disconnected. The bank refuses to delete the phone number from my account. It's a security risk to have a phone number assigned to my account that might very well now belong to someone else. There is no valid reason to have a wrong phone number associated with my account. 

I think the bank believes that I got a new phone number because they tell me that I can get put on a do-not-call list. That's XXXX. I have have NO phone service. I'm not planning on getting phone service. I had to economize, and it was either the phone service or the internet. I kept the internet. 

The bank claims that they might have to call me. They haven't called me once since I opened the account, and there's no reason that might have to contact me by phone in the future. However, they have emailed me. They can email me if they need to contact me, use an online notification when I log in, or mail me a letter. It's XXXX, not 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 2022-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I opened an account with Bank of America. I was in Pennsylvania with my card when it was declined. I called the bank and they told me someone was trying to add checks into my bank account and the appeared to be fraudulent. she then proceeded to tell me that Bank of America is deciding to close my account permanently and I will not be able to bank with them again. When I came back home from college ( XXXX where I live ) I took a trip to Bank of America in hopes of opening up another account and was denied even though I was not responsible for putting fraudulent checks in my account. This person got access to my account as well as signed my name which isnt my signature.

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 2016-06-08
Company: RoundPoint Mortgage Servicing LLC
State: GA
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We are a restoration repair company, we performed repairs on a residential home due to water damage. The insurance company issued us a check with the homeowners name on the check and their mortgage company. We sent the check to the mortgage company, for their endorsement, so they could send back to us so we could deposit in our bank. Then the mortgage company kept the check because the homeowner 's had not made a mortgage payment in a year and a half. The mortgage company gave us false information to get us to mail them the check.

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 2022-08-28
Company: Professional Placement Services, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received notice from PROFESSIONAL PLACEMENT SERVICE LLC about an alleged debt reporting on my consumer report that I was requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210 ; therefor I demand VALIDATION and VERIFICATION of this alleged debt. I certified mailed this letter to PROFESSIONAL PLACEMENT SERVICE LLC on XX/XX/2022 which I have proof that I sent it and they received it. But never sent me the Documentation I requested. 

Once again on XXXX XXXX I sent PROFESSIONAL PLACEMENT SERVICE LLC another letter requesting all of the documentation for VALIDATION and VERIFICATION of this alleged debt they said I own them and one again they never sent it to me. now please keep in mind they I have gave them a substantial amount of time to get me all the documentation but they still haven't gave me what I asked for XXXX. Account number XXXX XXXX. Account number- XXXX XXXX. Account XXXX IN ACCORDANCE WITH THE FDCPA 15 USC 1692- I THE CONSUMER HAVE THE RIGTH TO PRIVACY ALSO IN ACCORDANCE WITH THE FCRA 15 USC SECTION 604A SECTION2 - IT STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Im simply asking transunion to do the work. My payment history during XXXX for XXXX XXXX shows two late payments on XX/XX/2018 and XX/XX/2018 first off I was never late. Secondly, there are two 30 day late payments showing for those months thats inaccurate reporting Ive included image of payment history to show the inaccuracies please correct

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 2020-01-16
Company: ID Analytics, Inc.
State: AZ
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:
I currently purchased from XXXX XXXX a vehicle. Some creditor denied because they say my credit score was XXXX. This information provided by SageStream LLC is totally false and incorrect. My credit score with all the mayor credit companies XXXX, XXXX  is higher than XXXX. 

SageStream which I personally did not know that even existed is providing false and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: Empowerment Ventures, LLC
State: MI
Product: Prepaid card
Sub-product: Payroll card
Issue: Fraud or scam

Complaint:
Hello I 'm a current card holder of a rush card, as I 'm sure you know they have been having issues. I have money missing in the amount of {$480.00}. I tried to contact them but am now being told my account does not exist even though I can access it online? I 'm not sure what the next step is to resolve this & get my money back. I do have documents to prove this as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC
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:
XXXX is showing my account as " dismissed '' in the comments and " Derogatory '' as a condition. I had disputed the account with XXXX  once, but they listed the account as in dispute and I'm applying for a loan and had to remove the dispute. XXXX is no longer in business or filled bankruptcy and XXXX  didn't update. 

This loan was list in XX/XX/XXXX to be included in a bankruptcy ; the bankruptcy was dismissed XX/XX/XXXX. At the time XXXX owned the mortgage and transferred it to XXXX XXXX who then merged with XXXX. XXXX transferred this account to Select Portfolio Services in XX/XX/XXXX. See notice of transfer from SPS. SPS never had the account listed as dismissed. 

I need the account to remove " dismissed '' from the comments and remover derogatory. This has caused my credit score to drop and I have to pay higher interest. Caused multiple pulls from the mortgage company. And the loan could be denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX is showing my account as " dismissed '' in the comments and " Derogatory '' as a condition. I had disputed the account with Transunion once, but they listed the account as in dispute and I'm applying for a loan and had to remove the dispute. XXXX is no longer in business or filled bankruptcy and Transunion didn't update. 

This loan was list in XX/XX/XXXX to be included in a bankruptcy ; the bankruptcy was dismissed XX/XX/XXXX. At the time Everhome owned the mortgage and transferred it to XXXX XXXX who then merged with XXXX. XXXX transferred this account to XXXX XXXX XXXX  in XX/XX/XXXX. See notice of transfer from XXXX. XXXX never had the account listed as dismissed. 

I need the account to remove " dismissed '' from the comments and remover derogatory. This has caused my credit score to drop and I have to pay higher interest. Caused multiple pulls from the mortgage company. And the loan could be denied.

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 2020-09-28
Company: SOUTHERN TRUST MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am an 100 % XXXX XXXX who was attempting to buy a newly constructed house using my VA loan. I was already pre-approved for up to 400,000 by XXXX XXXX  which was the lender that I chose to use but when I put a bid in on the house the realty company ( XXXX XXXX XXXX XXXX   ID ( XXXX ), the builder : ( XXXX XXXX XXXX XXXX ) and the lender that they are associated with which is ( Southern Trust Mortgage ) were requiring that I get a second opinion from their lending agent XXXX XXXX from Southern Trust Mortgage to see if he could get me approved for a mortgage before allowing me to buy the house. I had already chosen my lender XXXX XXXX   and was already pre-approved so I told the realtor that I was not going to allow Southern Trust Mortgage to pull my credit because I had no association with Southern Trust Mortgage. The builder was also giving 2 % on closing costs and other incentives if I used their mortgage company. I was told through my realtor ( XXXX in XXXX ) that they refused to give me those incentives if I didn't use Southern Trust Mortgage. I feel that I was being discriminated against due to the fact that I am XXXX American and my Mortgage company are both XXXX American owned businesses. I feels as though the builder, realtor and lender felt as though I could not afford the home which was priced at XXXX. I bought a home 3 days later for XXXX with no problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: Alpha Recovery Corp
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Insurance company paid the contractual amount. They later sent them a statement telling them the amount was paid and that I owed a XXXX balance. I have a copy of this letter ( sent by XXXX XXXX ) complete with the electronic transfer amount, numbers, etc. Now I am being hounded by debt collectors.

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 2020-09-28
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/2018 with a balance of {$13000.00} -This is not my 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 2022-08-28
Company: Experian Information Solutions Inc.
State: IN
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 wi the fair credit reporting act, Credit collection XXXX XXXX I account number 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 explanation
Consumer complaint received 2016-03-16
Company: Stellar Recovery, Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
These XXXX companies are continuing to request payment for accounts that I do not owe. 

{$140.00} from Stellar Recovery and {$36.00} from XXXX XXXX XXXX. 

These were previously disputed with other agencies as well. So, since they were blocked from trying their scams with those CRAs, they have moved over to XXXX. 
This needs to be removed ASAP. 
I am unaware of the accounts and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). 
.We both know they are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agencies. They refuse not to. There has been previous take down requests to which they have replied, done so, and resubmitted the debt. Over and over. They wait for a small period of time and then resubmit, thinking it will not be noticed. 
I will contact the Attorney General against XXXX, XXXX and XXXX and both of these companies if this is not resolved NOW! 
ALL references regarding this account must be deleted from ALL reporting agencies. Since

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: R & B Corporation of Virginia
State: VA
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:
XX/XX/2020 After checking my credit report, I noticed a collection placed by Credit Control ( XXXX XXXX XXXX XXXX ) in the amount of $ XXXX was not aware of this bill, and to be just placed on my credit report is unethical and actionable. 

I, the consumer have a right to request VALIDATION on this debt. 
That right was taken from me, when Credit Control skipped the process and put on my Credit Report.

I need this debt Validated, To include the original debt, itemization of this debt- to include dates and services. I will search my records and see what was covered by insurance. 

I am disputing this inaccurate and erroneus reporting, this is a violation of the Fair Debt Reporting Act.  Not to mention Violation of HIPPA-signatures, and releasing my health information for other parties to publish, I am requesting my records immediately. 

Please provide all the above information, AND remove this debt from ALL my reports. 

Send My Information To The PROPER and CORRECT address for me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX I intend to get the bottom of this matter and take the proper channels to get results. 

XXXX XXXX Soc.Sec # XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: Big Picture Loans, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Hi, I am on my   XXXX   loan from Big Picture Loans and I looked at the amount of the payback and I am dumbfounded. I did not realize how much it would be. I know that trying to stop the money from coming from account will not help and I would like the offer paying the loan back without the extremely high interest rate. I only borrowed  XXXX  and they will collect  over 3400 afte r this loan is paid off and that is alarming to me. I can not believe this is happening. This is predatory to hardworking people that are struggling to make ends meet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief