BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-31
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:
The incorrect items were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : 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 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 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 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 2017-01-23
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint:
This company is in violation of the USA laws. We are currently in active Bankruptcy and they have contacted us instead of our attorney and attempted to collect money. The last executive was rude and disrespectful to my husband and we do n't have to be putting up with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 accounts or information which is found to be opened due to identity theft. The dispute 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, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXX/XX/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 2016-10-03
Company: Acceptance Solutions Group, INC
State: TX
Product: Payday loan
Issue: Applied for loan/did not receive money

Complaint:
I responded to an email approval for a payday loan through Acceptance Solutions Group and was approved for {$600.00}. I received a response for a loan associate named XXXX for how much I wanted and I agreed to {$300.00}. XXXX then asked for my address, email, banking information, and debit card number. I sent the requested information back and was told I should receive the funds that day or the next. I did not receive the funds and first XXXX stated the underwriters did not approve at that time but did after I was sent the forms and electronically signed them already. After a week XXXX finally told me they sent the money to an old XXXX account the pulled from previous data instead of the information I sent her and she requested in an email. XXXX never sent the money back and was credited to the old account. Now I assume they want to charge me for their mistake. I never completed an updated application, I have not had that XXXX account in over 6mths, and I still have not received any money ye they are still trying to charge me. I can not get XXXX on the phone now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: CITIBANK, N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
This is about a promotion Citibank had in XXXX of 2015 where one would get XXXX points for opening a Citi gold checking account and meeting certain requirements. After I signed up for the promotion, I confirmed with a Citi customer service rep that I am eligible for the promotion. Now after 6 months, Citi bank is claiming that I am not eligible for the promotion and declining to give me the above bonus.

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 2016-04-18
Company: MONEY SOURCE, INC., THE
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Are house payment was auto draft out of are bank every month on the XXXX. The loan company did not take out XXXX payment out of the bank then in XXXX they started pulling a full payment and a week to two weeks later they pulled a half payment. They where doing this until the end of XXXX. Every time we would talk to them we would get a different story from them saying that we are two months behind then a week later saying we are five months behind. Are bank says that we should be caught up and now the loan people as got are credit all missed. Up that we can not even refinance are house loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: EQUIFAX, 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:
The incorrect items were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 2017-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I applied for an XXXX XXXX Visa Signature Card with Bank of America. The offer was for XXXX XXXX Miles and a {$100.00} statement credit after spending {$1000.00} on the card. 

However, after applying, my account was sent to 'pending '. After calling pending, my account was opening as an XXXX XXXX Visa Platinum Plus account, without informing me. Additionally, even though I applied for a specific offer, the terms were changed without my permission, and an account that I did not want was opened without my permission. The reason given was 'the Signature card requires a {$5000.00} credit limit, but you only received a {$2000.00} line '. However, I had {$31000.00} in available credit with the bank that an analyst was easily able to move over. The analyst was XXXX in the Preferred Credit group. So, the credit was there, but the agent chose to open an inferior account ( not the account that I applied for ) in order to charge me an annual fee without giving the bonus that was promised. 

This seems to be very deceptive and fraudulent, advertising a bonus and then changing the terms without my permission.

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 2015-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My Bank of America checking account was subjected to multiple overdraft charges. This seems to have been caused by the Bank applying the transactions in a manner that maximized the number of transactions subject to an overdraft fee. In addition, while the default display of transactions shows the " statement balance '', the bank maintains a separate " account balance '' that apparently can trigger fees even when the statement balance is showing a positive balance. This seems misleading at best and deceitful at worst.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX  XXXX bank XX/XX/XXXX late payments & I called XXXX XXXX, they closed the account. I want the closed account deleted and the inquiry. Same thing with the fXXXX XXXX  ( opend XX/XX/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 2022-10-31
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; CXXXX XXXX Balance : {$190.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/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 2015-06-28
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Prepaid card
Sub-product: Mobile wallet
Issue: Adding money

Complaint:
I tried logging into my Reloadit Safe account last night and was not able to gain access so I could unload a card I purchased earlier. 

Now after 24 hours of trying still no access to my account. Reloadit Safe says they sent a email to verify my device but the email never arrived. Made several additional attempts but still no email.Very poor service. This has happened on several occasions in the past by usually resolves in a few hours but not this time. Attempt after attempt just fails. 

Very dissatisfied with the lack of response and ability to contact Reloadit services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Selene Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have submitted to my lender an application to prevent losing my house since XXXX XXXX the lender keeps asking for documents it does not need to make its review in order to make it impossible to apply for mortgage assistance and pursue their goal of foreclosing on my home. They are asking 22 documents including my mom 's who passed away already.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
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: Account status incorrect

Complaint:
Your agency is incorrectly stating that this account is still under collections when I have already paid off the account. Please immediately update your system to reflect the account being paid and closed and no longer listed under collections XXXX XXXX XXXX XXXX XXXX Name XXXX Date Assigned XX/XX/2019 Original Balance {$400.00} Status Paid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Blitt and Gaines, P.C.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This law firm is the most aggressive there is. Even after hiring a paralegal to handle this case, the firm still wouldn't negotiate and continues to threaten a lawsuit against us for a debt created over 5 years ago. They required payments immediately or we're trying to sue and garnish wages. We ended up paying over $ XXXX a month to get them to stop hurting our names and trying to take us to court over this. They are the worst company we've ever heard of. XXXX flexibility or negotiation here.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: First Data Corporation
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 was paid

Complaint:
Telecheck/TRS Recovery is blocking me from using my checking account. On XXXX XXXX, 2016, a check was written to XXXX. XXXX drugstore had a power outage. Put check through twice, but later canceled second charge for {$100.00} for same items. Telecheck/TRS Recovery has issued false report so it can make money that is not owed. XXXX drugstore is aware, but claims it has no control over Telecheck/TRS Recovery ( First Data ). I need a resolution that will remove the block and stop the phone calls daily from various anonymous or hidden numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card
Issue: Rewards

Complaint:
Bank of America has offered an XXXX Rewards XXXX for many years. We had accrued many XXXX dollars worth of points that we typically redeem near XXXX time to purchase restaurant pre-pay cards that we use as gifts. I learned today when I went to their web site that Bank of America unilaterally cancelled the program and eliminated my points. They also failed to provide information on how many points they took from me so I do n't have a total value. When I contacted them, they said they had mailed me notices, but I do not recall receiving that mail. They contend that since they told me the theft was going to occur in advance, that the theft was legitimate. I received nothing of value for the points I had accrued in return for their decision to cancel the program. I consider this fraud and an act of bad faith.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: GA
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:
Please Help 15 US Code 1681c-2 states that consumer reporting agency shall block the reporting of 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 by such agency of ( 2 ) a copy of an identity theft report ;. On XX/XX/2022 Equifax mail me a letter see attachment Exhibit A the second denial of a block. Not only has Equifax decided to enforce their own laws they failed to address my concern and use their grave responsibilities to exercise with fairness and accuracy. Equifax failed to identify the information that I identified as Information that resulted in an alleged identity theft. Equifax failed to provide any documentation that the company has provide to verify. I don't understand how they are allowed to disregard and not abide by the the FAIR CREDIT REPORTING LAWS. Equifax STATED that in order to block certain information I must provide them with a copy of the identity theft report. Please see attachment Exhibit B. Exhibit also continues to report fraud on my consumer report. I have provide Equifax with every requested piece of documents that they required to identify myself and they literally seen me the same letter saying and requesting the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: CT
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 am a natural person, I am a living human being, and I have right under 15 USC 1681. 

XXXX is governed by USC 1681. And they have violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and did not give XXXX, XXXX, and Experian written permission to furnish these accounts. I reached out about my accounts and wrote letters that have not been deleted. I sent a letter to XXXX, XXXX, and Experian here is my tracking number... However, the credit bureaus said they completed an investigation and everything is 100 % accurate. 

I also have received removals from one credit agency but not the other agencies. In accordance with the Fair Credit Act, everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my accounts were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. The grounds for removal they also violated my rights under 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 instruction XXXX  ( both accts ) Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( both accts ) 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 2021-11-22
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
SYNCB/CARECR XXXX XX/XX/2019 {$1200.00}

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 2017-02-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Company has mislabeled the debt on my credit reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: JPMORGAN CHASE & CO.
State: MI
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:
Someone has used my personal information to obtain credit causing an inquiry to be reported on XX/XX/2022 by XXXX XXXX. 

JPMCB REPORTED ON XXXX XXXX 2022. 

XXXX XXXX REPORTED ON XXXX XXXX 2022 AND XXXX XXXX 2022. 

XXXX XXXX XXXX REPORTED ON XXXX XXXX 2022.

Company response to consumer: Closed with non-monetary relief