BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-28
Company: BB&T CORPORATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
This complaint is about Susquehanna Bank. On XXXX XXXX, I opened a checking account with Susquehanna. At that time, I DID order checks, as is usually the case when opening a new account. Ten days later and AFTER emailing the branch manager ( who did open and receive the emails ) I learned that the checks had never been ordered. I called the branch manager who did not return my calls. I called the region manager who failed to return my calls or emails and who could not be found by her staff. I called the VP of retail operations and he said that he would take care of it. Then he called back and said that he was closing my account immediately on XXXX XXXX. He claimed that I had worked my way up the chain of command and he did not accept that. 

I expect the account to be reopened, checks to be sent to me and my debit card to be reactivated. I should note that my SSA deposit is due to be made on XXXX XXXX and the account must be open to accept it. The Retail operations VP ( XXXX ) refused. I have had to pay an attorney to contact The banks general counsel who failed to respond to his calls and emails. I also contacted the President, XXXX XXXX and his superiors at BB & T which is acquiring the bank. No response I should note that I am XXXX under the ADA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Levy & Associates, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Levy & Associates ( XXXX, OHIO ) filed a law suit against me in XX/XX/XXXX. 

Their " bill of sale '' from XXXX of XXXX showed an amount they essentially " made up '' and submitted to XXXX Municipal CourXXXX ( XXXX, Ohio ) as evidence of what I somehow " owed them ''. 

A debt consolidation company I hired in XXXX of XXXX, XXXX XXXX XXXX, had negotiated an amount which was less than half of that which Levy & Associates are currently attempting to collect from me. This settlement letter was issued to me in XXXX of XXXX -- which is after their " supposed '' bill of sale. They submitted false evidence to the court and caused additional injury to me and my family. 

Furthermore, the date of this suit is pertinent because, clearly, they are merely attempting to unfairly profit by further injuring vulnerable consumers and heads of household already compromised by challenging economic conditions. Levy & Associates is actively engaging in unfair, deceptive, and in my opinion and that of millions of consumers abusive practices -- they don't see this as abusive, but causing economic injury to a parent who lost a child and is attempting to recover, is abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2015-04-08
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XXXX/XXXX/15 I contacted quickenloans ( QL 'S ) for a HARP Refi and was told I was approved but needed to pay $ 400- {$500.00} for an app fee. I advised that I wanted to discuss my options with spouse before proceeding. After discussing and contacting my mortgage Lender I decided not to proceed with QuickenLoans. I called QL 's, the representative was very persistent and matched the GFE of my lender. Since my lender offered no costs upfront, application or appraisal fees as did QuickenLoans I called back to cancel. The representative ( XXXX XXXX ) tried to match the offer by reducing closing fees to compensate so I asked for GFE ( this was now the XXXX business day ). I was informed that I needed to pay the above referenced fee to proceed ( this fee was requested on the original conversation ). I contacted CFPB to learn my rights and promptly contacted the XXXX 's rep, he informed me that I misunderstood what he said ( this was the XXXX thing I questioned and got that response ) I stated that I no longer wanted to proceed because I was disappointed with the way they conduct business and could no longer trusted them. XXXX still continued to push as to why I will not let them same me money and at no time offered to send the GFE although it has now been 4 business days since the original conversation. He even stated that all he did was take my info which I disagree with because for our conversation I believe an application was taken because be ran our credit reports and spoke to my spouse to confirm application information. Further no disclosures were sent to me my way of mail or e-mail. For comparison my discussion with my Lender XXXX and QL 's have been the same and I have received countless e-mails and mailings with disclosures from XXXX and none from QL 's. XXXX further comparison, when I informed XXXX that I needed to discuss with my spouse before moving forward I was informed that they understood that I needed to make an informed decision and to get back to them as soon as possible if I wished to proceed ( P.S. I received a GFS within XXXX mins of the call with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: Jvs group
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I was contacted by representative XXXX of JVS Group stating that she was attempting to collect a {$470.00} debt incurred by me for medical services. I expressed to her that I had a XXXX balance with the medical provider that had been recently confirmed. I asked her for an itemized bill detailing the dates of service, patient names and amounts that she was attempting to collect for. She stated that she was unable to mail me this information but provided me with a list of dates and amounts that did not add up to the amount they said I owed. I immediately called the original debtor who checked in their archive system due to the oldest date of service originating in XX/XX/XXXX. They again confirmed that I had no outstanding balances other than an account sent to another collection agency that I make monthly payments towards. All other services had been paid for- not written off or otherwise sent to collections. 

After reviewing the matter, and fearful of aggressive collecting tactics that could destroy my credit, on XX/XX/XXXX I mailed a certified letter to JVS to formally dispute the validity of the debt. I expected a return notice that they had received my letter. It never appeared. Instead, on XX/XX/XXXX I checked the tracking number via USPS.com and learned that a notice was left at the address but no authorized recipient was available. So, I called XXXX XXXX listed on the collection letter from JVS. He was very unhelpful and advised me to mail my letter of dispute via regular postal mail or to give him my phone number so that he could research my complaint. Then, after I refused to give him my number ( which his office has since XXXX called it before ), he stated that I had several open collection accounts, he was a very busy man on his way to a meeting and unceremoniously transferred me to his voicemail! I left him a message with my name and my JVS account number and advised him to cease and desist all collection activity since I dispute his claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received letter in the mail from Convergent Outsourcing, about a XXXX bill for {$6400.00}. I called them and told them repeatedly that I never used XXXX / XXXX. Told them the same thing on the phone, not my debt! I called XXXX and they have NO account in my name! These people were able to get this on my credit report, even though my credit reports do NOT show a XXXX account. I was suspicious when they offered to settle for 60 % in the first mail I received. What can I do?

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 2020-06-13
Company: SYNCHRONY FINANCIAL
State: NM
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:
This is a Care Credit complaint. I used them for a large dental bill. Interest, an outrageous 27 %, was deferred for 6 months, but I thought it was for a year. At the last day of the 6 month period they tacked on interest for the entire amount for 6 months at 27 %. When I called, I was told there was a 30 day grace period, but I had not been notified of that and had confusedly put off dealing with the bill until XX/XX/XXXX. 

I'm sure they can prove their case and their legality, but I do NOT think this should be legal. They are deceitful, confusing, and taking advantage of Americans who can not pay for dental, veterinary care for pets, and auto and truck repairs because the economy is so bad for your average American ( 90 % of us! ) All are essential for survival. I think it is unethical to let vultures like this take advantage of us. Usury has been allowed for a long time. Banks charge outrageous interest rates and yet our savings only makes .01 %. How can Congress justify that?!

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 2022-07-21
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:
I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Other

Complaint:
On XXXX XXXX I was traveling with XXXX XXXX on a ZED standby ticket. I attempted to access the XXXX XXXX XXXX XXXX mins before my flight. The XXXX agent working the XXXX XXXX check-in did not know the policy about Citi XXXX standby tickets and went above and beyond her duties to call the Citi XXXX customer service number on the back of my card to speak with Citi to determine if I should have access. The Citi representative gave false information to the XXXX agent about the eligibility of standby tickets and XXXX refused to grant me access to the club. Clearly in the terms and conditions of the Citi XXXX card it says " XXXX cardmembers must present a stand-by ticket or boarding pass, showing an XXXX, XXXX XXXX XXXX , XXXX, or an XXXX Connection carrier flight number, valid for travel on such flight. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-15
Company: BB&T CORPORATION
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
BBT ( Banking ) continues to charge overdraft fees. For example, they will have pending amounts that they already take the amount off of your available balance. Then when a charge goes through that is not pending, they charge you an overdraft fee. When you go to the ATM to put money in to cover the negative balance, they hold the amount, then, the next day, when the pending amounts go through, they charge you another fee before depositing the money you deposited the night before. 
They have changed the time you are allowed to deposit from XXXX to XXXX, and will make NONE of the money you deposit available to you until the next day. 
The fees are out of control. They began charging a fee is you download your statement to XXXX. We were unaware of this, so they charged a fee for THAT fee. 
Banks are OUT OF CONTROL!!!! I have even had a hold on CASH deposits.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: EQUIFAX, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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 is missing that should be on the report

Complaint:
XXXX, XXXX & XXXX  reflects whatever data the credit card company wants reflected for each individual. 

So I am filing a complaint against my credit card company to report missing active, good-standing revolving credit card accounts & it's entire history accurately to all 3 credit bureaus. 

Per XXXX  & XXXX  - Capital One is suppressing these revolving accounts from being reflecting on all my credit reports. However, these credit cards are open, with active balances and I have never made a late payment at any time. 

I have 2 revolving cc accounts that are missing from 2 or more of the credit burueaus. 

Capital One Visa ending : XXXX Capital One Mastercard ending : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-20
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Made contact with a loan company ( XXXX XXXX equity ) to borrow approx. {$1500.00} to pay taxes. Was told the only way was to refinance my entire home and all out standing debt. 

I agreed. However, the day before the final papers were to be signed. I received a phone call at approx XXXX by the rep of this finance company that certain agreements had to changed. ie. the percentage rate to 8.00 % and a balloon payment of {$10000.00}, that changed to {$100000.00} during this phone conversation. 

As time past I soon was unable to keep up with the mortgage payments. Now I am dealing with a housing counselor I really do n't trust. 

It seems I 'm unable to get a straight answer from her. ( during a recorded XXXX way phone call ) I heard the mortgage company say to my housing counselor. " you are not authorized ''. This & paying a law firm over {$7000.00} to help my mortgage issues, has caused me to fall even further behind my mortgage. I was only {$6000.00} behind Now I 'm over {$23000.00} behind and in the process of a home modification that I do not fully understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have written countless emails and sent faxes requesting TransUnion to fix my address over the past 2 months. During a conversation on XXXX XXXX with, XXXX XXXX, I was told that the address was fixed but it still appears incorrectly and is preventing me from monitoring my credit with my preferred monitoring service. I have TransUnion monitoring service and it is incorrect in that service as well. My address should read : XXXX XXXX XXXX, XXXX, MD XXXX. Transition has address listed as : XXXX XXXX XXXX XXXX, XXXX, MD XXXX because I was forced to place numbers before the address in the online dispute form. Please fix the address so that it appears correctly for monitoring purposes with TransUnion, XXXX XXXX, XXXX, etc. 

I was told in writing by TransUnion that it was the law to allow anyone to pull my credit and I have no defense against random pulling of my credit report. I was notified in writing by TransUnion that my credit file is basically public record and anyone may pull the file without my permission or knowledge. TransUnion has their own interpretation of the legislation that governs credit files and the sometimes sensitive information it houses. I do not agree with anyone at anytime being allowed to pull my credit without my permission or knowledge nor is it legal or permissible under the FCRA. I am requesting again with for the XXXX XXXX inquiries to be removed from my credit report. Please see attached for supporting documentation from 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 2020-06-13
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I was charged a very high-interest fee ( approx {$200.00} ) on my XX/XX/2020 Home Depot Credit Card Statement, for a Home Improvement Purchase promotion that had expired and I, kindly requested to extend due to the current pandemic, the no-interest promotion ( as have other retailers -Best Buy- done with their store cards, extending without having to request ) but Home Depot has refused.

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 2021-12-13
Company: Experian Information Solutions 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 am a victim of identity theft. 
There are fraudulent accounts on my profile that need to be removed immediately. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2015-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX on or about XX/XX/XXXX on TRANSUNION credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation