BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: NC
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:
My personal information was leaked by Equifax, and I now have to lock everything down and for the rest of my life my SS # and all my financial information will be in unknown hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: REGIONS FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
i went to XXXX XXXX on XX/XX/2021 i had appointment for XXXX XXXX  and the exam was rushed and i told them they said my XXXX needed to adjust i bought frames under my insurance and had to pay for lenses with card a week later i got my glasses and they were blurry and could not see out of them i told them they told me to give it a week which i new was a lie just to get me out the door because they were packed i called up there and told them what happen and they told me that they would redo the XXXX XXXX and troubleshoot but she was acting like i was going to have to pay for lenses again she just didn't want to say it i told them i would return them and they could charge the insurance for the frames but i wanted a refund for the lenses they said no and i recorded the phone call to so i went to my bank and told them and they filed a charge back for not providing services i paid for and they put the money back in my account and 45 days later i get a letter saying this was overturned do to merchant submitting a copy of the charge which has nothing to do with the services i was not provided i feel this is wrong that a business can XXXX me over like this and my bank whats to side with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: SC
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 a natural person, I am I am a living human being I have rights under 15 USC 1681 Equifax is governed by 15 USC 1681 and they violated my rights numerous of times. I demand accounts listed below be removed because according to 15 USC 1681 I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Account XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: CITIBANK, N.A.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX I fell victim to scammers upon applying a personal loan online I was approved up to XXXX I was told that they had sent me overpayment In error and it needed to be returned to them which I did verify with my bank the over payment was there but later found out the scammers managed to stop payments on several mortgage payments to make it seem as a deposit and over payment of XXXX which the demanded be sent back to them after numerous calls and messages. I called Citibank to verify no fraudulent activity and was told all seemed normal so I proceeded to return the money as they were very persistent. Now Citibank is saying I am responsible and need to get money back from scammers.

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 2022-03-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: Duncan Solutions, lnc.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice from Professional Account Management, LLC ( PAM ) ( acct # XXXX ) stating that I owe {$250.00} and they are collecting that amount on behalf of the XXXX, DC Department of Motor Vehicles. In the letter the company states that the {$250.00} is for an unpaid speeding ticket from X/XX/2012 for a vehicle from Pennsylvania with license plate # XXXX. I was surprised to receive this notice because I have never owned a vehicle in Pennsylvania with that tag. Also, I do not recall ever being stopped by a cop for speeding. Further, the letter says that PAM has made several unsuccessful attempts to contact me, but I never received a call or a letter until the current notice. For the past 14 years I 've been a resident of DC with an active driver 's license and the same phone number, so it should have been easy to reach me. I now have tried to contact PAM several times via phone to dispute this debt and have been put on hold upwards of 15-20 minutes several times, but was never connected to an agent. I look forward to an explanation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EdFinancial Services
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/25 I requested a refund of {$6100.00} on my loan and was told it would take over 150 days to begin processing the request! That is unacceptable, the money is supposed to be readily available to customers under the Covid relief plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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 following accounts does not belong to me so i want it to be remove from my credit report asap. FYI this are the accounts : 1. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account XXXX : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: TRANSWORLD SYSTEMS INC
State: NY
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:
There is a fraudulent Trans World Systems account on my credit. This account is not mine and I am requesting the deletion of this account from my credit. Please remove it ASAP as it doesnt belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have disputed this account numerous times already which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 

XXXX XXXX XXXX XXXX Date opened XX/XX/2021 Balance {$320.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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 have sent validation letters for debt attached to my name to Capital One ( cabelas ) XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX. None of these institutions validated the debt in the legal amount of time they are given to do so. They have received more than 1 letter to remove the debt along with all derogatory remarks over 5 months ago and still have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: U.S. BANCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Reliacard and US Bank are fraudulently withholding unemployment benefits. 

Reliacard is a joke. Theyre holding UC money and do not care how long they withhold it for. 

Funds have been unavailable for 3+ weeks and they have no incentive to provide quality service. 

If you want more info just look at XXXX posts about the scam artist company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: CITIBANK, N.A.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a Citibank checking account on XX/XX/2022 with the promotion attached to the account where I would receive a {$400.00} sign up bonus if I deposited {$15000.00} in the account within 20 days of opening the account and keep the {$15000.00} in the account for 60 days. I met these requirements and after I was supposed to have received the bonus they kept telling me that they were working on it. XXXX  days after I opened my account they closed the account without giving me the bonus and now they claim I can't get the bonus because my account is closed. They owe me this promotional {$400.00} as I met the terms. They closed my account so they wouldn't have to give me the 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 monetary relief
Consumer complaint received 2022-09-01
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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 2019-08-05
Company: EQUIFAX, INC.
State: SC
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:
As of this writing, I have sent FOUR certified letters, to the credit reporting bureaus Equifax and XXXX. The first three asked time and again to verify the accounts as being mine and to remove not account holding hard inquiries older than 30 days, also to show the original or copy of contract entered with original creditors they claim I owe. I was only given three separate replies saying accounts were verified as belonging to me and they only gave me statements i.e. missed payments, payments made. Nothing showing that the accounts are in fact mine, just generic statements. XXXX has said they will not investigate further.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Mid-Atlantic Finance Co., Inc.
State: MO
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:
Violation of the Fair Credit Reporting Act, Violation of the Debt Collections Act, and Defamation of Character

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a call form XXXX XXXX regarding a HSBC credit card they allege I had. This is the second company, also based in GA, claiming I had an HSBC card that I defaulted on. The initial call came from a company called XXXX XXXX XXXX. I have never recieved any letters or notices from them. I was called by this company ( XXXX XXXX XXXX ) on XX/XX/XXXX at my place of employment, they left a rbo-call message with my name requesting a call back. I called them back and when I asked for their contact information, the representative hung up the phone. I called back several times and was hung up on. Later in the same day, I called a spoke to another woman who stated that I could pay them now or I could talk to the judge about it. She claimed that I owed {$770.00} and my last payment I made was in XXXX. I do not now, nor have I had in at least 15 yeas, an HSBC credit card. Literally. In AZ, the statute of limitation on credit card debt is 6 years. She emailed a letter to me, it has no information other than what I have stated. The letter claimed to be from " XXXX XXXX XXXX XXXX '' misspelled XXXX. Anyway, today I get a call from a place called XXXX XXXX, also based out of GA. She said that I now owe {$2700.00} and that I could pay or go to court. I asked when my last payment was made, she says XXXX. These people are scammers. I am ill, I have major XXXX XXXXr, XXXX and other mental XXXX that is probably killing me. These people are harrassing me and it needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: TIDEWATER FINANCE COMPANY, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
In  XX/XX/XXXX  I took out a credit card at   XXXX   XXXX   with tidewater finance company, not long after I lost my job and had   XXXX   XXXX    making the payments, I was in contact with someone regarding that and let her know I would take care of it. On  XX/XX/XXXX  I called to pay off the entire balance I owed. I was told ( by an automated machine I believe ) that total amount I owed was  XXXX  so that 's what I paid. I immidiatley received a bill for 40 something dollars, I contacted the phone number with no answer after waiting FOREVER ( over 30 min ) then decided to email the lady I had been in contact with, she simply responded with my new balance ( now in the 90 's ) and said to contact them when ready to pay it off. I told her I did n't understand where he charges came from and how I owed more money she said this is what i owed and if I know a name, time and date of someone I spoke with she would look into that. Next I started receiving emails saying this was a supervisor trying to resolve my account, I would let them know what happened and no response. Eventually I started forwarding them emails I had already sent in reply.
ALSO every single day and sometimes multiple times they call me ... but never a live person just a call us back recording, and if I called back I NEVER received a human on the phone to be able to dispute these charges which now are up to   XXXX   and I have n't even used it!!!
I 'd like to be able to speak with someone and dispute these charges and get it wiped from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have a HELOC with Chase. It was opened on XX/XX/XXXX. I have been a Chase customer since XX/XX/XXXX. I have never paid late ; not once. I have stellar credit with not only Chase but ALL my creditors. They decided in XX/XX/XXXX to change the interest rate on my HELOC from 2.74 % to 8.50 %. When I called they stated they had to " flip it to a fixed rate ''. I completely understand moving the loan to a 'Fixed Rate '. However, fixed rates today, with my fico of XXXX is a rate of approximately 4.125 %. I DO NOT understand how they can move my rate UP by 5.76 % in one month!!!! If any mortgage lender put a borrower in a loan at 8.50 % with credit such as mine, the CFPB would be knocking on the door of the lender asap. This is completely unacceptable to charge me a rate of 8.50 % on a mortgage loan. They did not offer me ONE SINGLE option. Just sent a new statement with the payment quadrupled. Please investigate. I have the statement and proof of the increase in interest rate. I can send anything needed. This is terribly wrong and needs to be corrected asap. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, 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:
Unautorized Illegal inquries on Equifax Credit Report. Certified letters XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: CarMax, Inc.
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I entered into a consumer credit transaction with Carmax Auto XXXX XXXX XXXX XXXX  on XX/XX/2017. A consumer credit transaction in which a finance charge was involved. 15 us 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Carmax Auto XXXX  XXXX XXXX XXXX took cash in the amount of {$2600.00} as a deposit. The Finance charge is suppose to include insurance, but Carmax Auto XXXX XXXX XXXX XXXX made me purchase insurance separately. My consumer rights were violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: The CMI Group, Inc.
State: HI
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:
account was opened on XX/XX/22 for the company XXXX XXXX for the amount of {$3600.00} was opened on XXXX, TX a city i have never been in my life. the company Credit Management LP open a collections on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This account ( XXXX  # XXXX ) is reported to have been opened XX/XX/XXXX. There is one month of payment history reported by the issuer, which has been disputed as inaccurate and incomplete on a number of occasions.

The issuer will not furnish complete and accurate information to the credit bureaus. 

On XX/XX/XXXX, Experian stated that the account was updated, but the report shows the last status update was XX/XX/XXXX, which means they never investigated and there was no update or, the issuer provided false information. The payment history is still missing. 

I have a legal right to complete and accurate information to be reported on my credit file. If the information can not be updated or corrected, then it must be deleted. 

The omission of payment history has negatively impacted my credit score. Since this will not be updated or corrected, I demand that this item be immediately removed from my credit report.

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 2019-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX insists on reporting information they know is false despite multiple requests. Trans Union and XXXX report this knowingly false information despite multiple requests. Now Im ready to take legal action against all parties involved as the refusal to correct this literally asinine error has caused and continues to cause me significant harm.

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