BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-23
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
Hello, Ive gotten a call at least twice a year over the last 2 years from a fraudulent caller. Its a self claim debt collector calling about a bad check  they says I defaulted on with the company XXXX  XXXX. I used the services of XXXX  XXXX back  in XXXX??, when I lived in metro XXXX, OH. Ive contacted XXXX XXXX Corporate Collection office about this matter numerous times, and their words to me You dont have an outstanding debt with XXXX XXXX and are not in the system. I was also told by XXXX  XXXX If the number calling dont match XXXX XXXX XXXX XX/XX/XXXX phone # its a scam. The last two numbers that called me was XXXX & XXXX for the scammer. When I ask for a persons, company name and business address they wouldnt give, just continues to pressure me for information. Ive asked them not to call my phone again and hangs up, but they stops for 5 or 6 months and calls back with a different phone number with a more aggressive attempt. I talked with 4 different departments with XXXX XXXX today XX/XX/2021 to get some type of information to have for my records, but they have none. Its been over 20 years since Ive done business with XXXX XXXX and have lived in Georgia for as many years. The account is too old and I dont have or owe any outstanding debts to XXXX  XXXX. Please help me with this matter, this fraudulent caller is very annoying and harassing. 

Thank You! 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: CITIBANK, N.A.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
The bank puts a freeze on my XXXX  deposits. The last one I sent was credited to my account on.XXXX  XXXX and they won't release the funds to 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 2022-06-09
Company: EQUIFAX, INC.
State: MD
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:
please see documentation for explanation of events. Please be sure that my claim is thoroughly investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
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:
XXXX and EQUIFAX continue to violate my rights by being noncompliant United States Code title 15 chapter 41 and title 15 chapter 94. XXXX and EQUIFAX continue to report unverified, inaccurate, and prohibited information. By communicating unverified, inaccurate, and prohibited information XXXX and EQUIFAX are acting in the capacity of a debt collector. By communicating unverified, inaccurate, and prohibited information XXXX and EQUIFAX are discriminating against me. XXXX and EQUIFAX are communicating my nonpublic personal information without my permission. XXXX and EQUIFAX never gave me the opportunity to opt out of certain information being communicated. I sent XXXX and EQUIFAX a letter requesting changes be made to my report. I called XXXX and EQUIFAX after i received the certified mail return receipt for an update and i was told that the prohibited information will still be communicated. I sent XXXX and EQUIFAX a another letter on XX/XX/2002. 
SEE ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
CFPB + Equifax, On my Equifax credit report dated XX/XX/2022 - there are hard credit inquiries I do not recognize, are unauthorized, and would like removed from my credit report - attached to this complaint are : my drivers license my social security card my mailing address my complaint letter my Equifax credit report page displaying these unauthorized hard credit inquiries that need to be removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
For the last four months, Comenity Capital Bank has issued statements for a CLOSED account. This account has been closed since XX/XX/2021 which is nearly two years ago. Comenity Capital Bank issued a written acknowledgement of the closure on XXXX XXXX, 2021. The closure was the result of numerous ( and apparently ongoing ) errors made by Comenity Capital Bank. 

It is not clear why Comenity Capital Bank is issuing statements for a closed account. It is even more baffling that they started issuing the statements on the closed, nearly two years after the fact. Presumably it is just another error made by Comenity Capital Bank which seems to be a common practice for them. 

This account does not have a balance. The final payment was issued on XXXX XXXX, 2021. Please note that the statements that Comenity Capital Bank has issued for the last four months confirm the zero balance. 

Comenity Capital Bank is the bank that issues credit cards in conjunction with or on behalf of BJ 's Wholesaler. 

Comenity Capital Bank and BJs Wholesalers were both contacted, in writing. Comenity Capital Bank has ignored all correspondence and continues to send statements for a closed account. 

This account is closed, it has been closed, and it will not be reopened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ask the TRANS UNION & XXXX to investigate accounts on my credit report that where inaccurate. when the investigate was completed i find that there investigation was one sided and went against the FCRA when they didn't get my side or anybody that was at the transaction. Which is a violations of federal LAWS. i send in a affidavit address these concerns to all the violations i found on 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 2022-08-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act ... the account below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681, XXXX/XXXX  XXXX  XXXX  XXXX section 602 A, right to privacy 15 USC 1681 604 A section 2, 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 2020-04-17
Company: CITIBANK, N.A.
State: IN
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:
Best Buy XXXX XXXX/Citibank credit services have had authorization information on my account to do direct debit for monthly payments in the amount due. These payments have been in place for over two years to avoid a missed or late payment, and have been deducted without issue. 

On XX/XX/XXXX however, the monthly payment amount increased, but not only did BestBuy CitiBank not debit the correct amount, they never called me or sent mail notifications regarding the change. On XX/XX/XXXX, the issue repeated itself, without notification by them, at which point I became over 30 days due for the small difference in payment they debited in XXXX on XX/XX/XXXX, without warning - phone call or mail, I was reported to the credit agencies as delinquent. 

I attempted over a period of days to contact Best Buy customs service as well as XXXX XXXX - multiple transfers - hours on the phone - reps telling me no payments were made, myself providing bank info showing they were, reps ultimately finding them and ultimately telling me they didnt know why I was never called nor why Best Buy/XXXX XXXX  failed to pull out the correct amount due - as authorized. 

These companies need to be held accountable for their business practices - their failures should be subjects to their own form of credit reporting in terms of financial harm, lost time correcting their errors, and more

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: Experian Information Solutions Inc.
State: MS
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 reviewed my report and I do not recognize these inquiries as mine nor the information being reported as mine. I am aware that they have violated several of my rights! My name is XXXX XXXX and I am submitting this complaint without any influence from a third party or agency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please see attached documents as well my identification as it contains my full complaint and my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX please remove/delete any other variations of my name : XXXX, XXXX XXXX, XXXX XXXX. I have a few fraudulent account that are on my credit file from companies that I have never done business with. I have several fraudulent addresses on my credit report never lived at the following address : XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX  XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX ,  XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have several numbers on my file the do not belong to me please delete these unknown numbers : ( 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 theses are the fraudulent account that I have requested legal documentations and have yet to receive anything back, please delete the following account 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 2022-06-09
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, myself, my mother and ex husband were called from The Midland Group in regards to a 'complaint ' against me filed with them. This was the voicemail that was documented : Good morning this urgent message is intended for XXXX XXXX I'm contacting you today in regards to a complaint it's been forwarded to my office to discuss the pending actions that may be filed against you you'll need to immediately contact the firm that issued this complaint the number provided by the firm is XXXX you'll need to reference file number XXXX so please understand that this is a time sensitive message and failure to respond may result in the firm proceeding forward and making a decision without your participation please be advised that all calls are logged in submitted as proof of the efforts being made to notify you of these actions I called back and spoke to XXXX XXXX at extension XXXX. She told me that I owed {$8000.00}. She said there was a letter mailed a month and a half ago. I did verify that it was sent to the incorrect address. She asked her director if they would honor the pay off and they said they would. The pay off is {$1800.00}. She told me that this was for XXXX XXXX credit card which was opened XX/XX/XXXX and charged off XX/XX/XXXX. I do not see this on my credit report and I did not see it on my credit report when I cleaned it up back in XXXX. I asked her for 30 days to validate the date and she said I was 'in default ' and that giving me that time was not an option. She stated that my case would be filed to go to court either today or at the latest on Monday if I didn't agree to a payment plan or give them a post dated check or something to 'cease and desist. ' According to the statute of limitations, I can not be sued for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
State: MD
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 sent in a letter to get medical accounts removed that are in collections and have no updates. Also, they are not able to verify accounts that have medical information on them, so when they do an investigation where do they get this information from? Also I would like to have proof of this being verified and connected 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 non-monetary relief
Consumer complaint received 2022-08-02
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX My Citibank checking account balance was {$50000.00}. I initiated a {$25000.00} transfer to my XXXX XXXX account. The money went to XXXX XXXX and they disbursed it as I requested. On XX/XX/XXXX at XXXX p.m. I received insufficient funds notice from XXXX XXXX that Citibank had reversed the transfer. At XXXX p.m. I received e-mail from Citibank that my transfer had been canceled. I called Citibank immediately and was told I would have to wait till Monday & call a different number. On Monday I called & first XXXX people I talked to hung up on me because I was asking why transfer was canceled. Next person I talked to transferred me to an " account specialist '' who transferred me to someone named XXXX who also hung up on me when I wouldn't accept his answer that he couldn't tell me why transfer was canceled. He said he could see the account but would not tell me anything. He said a letter was sent to me on XX/XX/XXXX. I called back and got someone else who said they were sending a letter that day & they couldn't tell me anything until I got the letter. Said I will get it 7-10 business days. I asked for a supervisor & was told a fraud supervisor would call me back in XXXX hour. I got no call. Called again & XXXX said he would call me right back. He did not. I had now been on the phone all day. I called back at XXXXXXXX XXXX. & XXXX told me supervisor XXXX would call me back in XXXX minutes. She did not. At XXXX p.m. after holding for XXXX minutes XXXX said someone would call me back. No one did. I started all over again the next day & spent all day on the phone again. Someone who said his name was XXXX transferred me to another fraud department. I got XXXX who told me no one can see my account until I get the letter they supposedly sent on the XXXX. I finally gave up and decided to wait the 10 days to receive the letter they supposedly sent. It has now been 14 days and I still haven't received a letter. During this whole process I had asked several times if they could send me a certified letter or XXXX so I could go ahead and get this mess straightened out. They always refused. I called back once more today ( XX/XX/XXXX ) and got a recording that the bank was closed. NO ONE WOULD TELL ME WHY THE TRANSFER WAS CANCELED AND THEY STILL HAVE NOT RETURNED THE FUNDS TO MY CITIBANK 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 2022-08-02
Company: AMERISAVE MORTGAGE CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had lost a portion of my business in the beginning on XXXX of XXXX. 
I started to fall behind on my mortgage payments an called Amerisave which is who my mortgage is with. They were of no help what so ever. Then I got XXXX really bad, so bad I could not work at all for months, could not do anything. I started to feel better in XXXX XXXX and had noticed I had no communication sent back to me about the loan. I tried to log on to my account to see what options were available to me I was unable too. I then called to find out why I was unable to access my account online and this is what was told to me. 
Since I am using a XXXX  account my emails where going into a " special folder ''. I told the representative that is something I think you should tell your customers, dont you think? 
Then she tried to show me how to get to the folder but still no correspondence there. XXXX proceeds to put me on hold to find a solution, she comes back on and tells me I have no access to my account because we have started the foreclosure procedures. 
I told them I was sick for a long time and was unable to do anything and now I am much better shape to make arrangements to get my account in good standing again but they were not interested in helping me at that point. This conversation took place XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: TX
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX-XXXX  XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX  XXXX Balance : {$13000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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