BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-15
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX  XXXX Account XXXX XXXX, XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U. S. C 1681 Section A. States I have the right to privacy.

15 U. S. C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: EQUIFAX, INC.
State: PA
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:
The credit bureau placed an aged account on my credit report from XXXX XXXX without notifying me within 5 business days before placing this aged account on my credit report. I have sent letters to the credit bureau asking for a copy of an original contract showing my signature and when the account was opened. The credit bureau did not send me information about the account. I only received letters saying the account was verified. I sent another letter asking for more information about who is verifying the information and the credit bureau did not respond to my request. I also asked if this is my account, why are they just reporting this on my credit report. I did not get a response other than the account was verified

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: The CBE Group, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
CBE keeps sending unauthorized text messages that have now cost me money on my phone plan. I never once spoke to anyone before they started sending them without my permission. I shouldnt have to cancel something I never authorized or asked for in the beginning and its ridiculous I have charges for the messages on my mobile phone account bill. This is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I had XXXX credit card accounts that were charged-off because of a lack of employment. Nonetheless, I settled each of the XXXX accounts. Below are the details of the terms and conditions for each settlement. 

XXXX XXXX Account no. : XXXX I agreed and honored the terms and conditions to the settlement amount of {$650.00}. The payment was received and credited to my account on XX/XX/2016 ( confirmation no. : XXXX ). After submitting a request to investigate and update the accuracy of my credit reporting, all XXXX credit reporting agencies ( XXXX, XXXX, Experian and XXXX ) have yet to report that proper status for this account. More than thirty days has passed. 

XXXX XXXX XXXX : Account ending in XXXX : I agreed and honored the terms and conditions to the settlement amount of {$1400.00}. The payment was received and credited to my account on XX/XX/2016 ( confirmation no. : XXXX ). After submitting a request to investigate and update the accuracy of my credit reporting, all XXXX credit reporting agencies ( XXXX, XXXX, Experian and XXXX ) have yet to report that proper status for this account. More than thirty days has passed. 

XXXX XXXX : Account ending in XXXX : I agreed and honored the terms and conditions to the settlement amount of {$930.00}. The payment was received and credited to my account on XX/XX/2016 ( confirmation no. : XXXX ). After submitting a request to investigate and update the accuracy of my credit reporting, all XXXX credit reporting agencies ( XXXX, XXXX, Experian and XXXX ) have yet to report that proper status for this account. More than thirty days has passed.

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 2020-04-05
Company: TRUIST FINANCIAL CORPORATION
State: NJ
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:
BRANCH BANKING & TRUST BANK ROUTING XXXX account # XXXX DATE OPENED XX/XX/XXXX CLOSE DATE BY XXXX BRACNH MANAGER XX/XX/XXXX my XXXX XXXX XXXX  states XX/XX/XXXX a lie. Everything on this account, I called XXXX Specialist ID # XXXX a XXXX XXXX XXXX. XXXX ( XXXX ) XXXX Who didnt care I was called XXXX BY XXXX XXXX XXXX , NJ BRANCH. XX/XX/XXXX XXXX XXXX BB & T card based services who stated she called me which she didnt. How can I call Them when u need a PIN number to speak to a rep? The credit card which was stolen and used by my landlord XXXX No activity on my credit report. I went into 7 different branches in Nj just to be told my account is closed. Im XXXX in pain XXXX. When I left the XXXX branch in XX/XX/XXXX. I called customer service after the XXXX XXXX Branch manager closed my account right in front of me. The two charges by scamming XXXX of XXXX XXXX, Nj {$1500.00} a lemon and scamming XXXX XXXX XXXX, {$3500.00}. XXXX XXXX XXXX SUNDAY CALLED ME A XXXX AS WELL. YES, XXXX  NJ. Not in XXXX XXXX XXXX & beyond. I will not be called a 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 2020-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
The credit bureau placed an aged account on my credit report from XXXX  XXXX  without notifying me within 5 business days before placing this aged account on my credit report. I have sent letters to the credit bureau asking for a copy of an original contract showing my signature and when the account was opened. The credit bureau did not send me information about the account. I only received letters saying the account was verified. I sent another letter asking for more information about who is verifying the information and the credit bureau did not respond to my request. I also asked if this is my account, why are they just reporting this on my credit report. I did not get a response other than the account was ve

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 2015-06-19
Company: ZARVAD III S.A.
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Ive have called them several times to tell them to stop calling me but they just harass me over the phone with inappropriate comments ... .then after i hang up and threaten them with a harassing complaint they proceed to send me numerous emails ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
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:
on or about XX/XX/XXXX a complaint was submitted to CFPB XXXX regarding XXXX account XXXX that Equifax has reported inaccurate information and they have verified to the consumer and the CFPB that the account is closed and having a XXXX balance this is dated XX/XX/XXXX in their response to my complaint XX/XX/XXXX, enclosed you will find a current copy of Equifax credit report dated XXXX XXXX confirmation # XXXX that states Equifax say this account ( Truist ) ia open and having a balance, enclosed is a letter from XXXX XXXX XXXX XXXX XXXX dated XXXX XXXX showing XXXX is correctly reporting to Equifax. 


THIS ACCOUNT IS CLOSED AS OF XX/XX/XXXX AND PAID IN FULL ... ..... 

FIX THIS IMMEDIATELY OR THERE WILL BE REPERCUSSIONS ... ......

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: LA
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:
Once I was released from the hospital, I contacted XXXX  XXXX customer service department and explained to a XXXX XXXX representative that I had been hospitalized as a result of Covid-19, which caused my payments to late. The original amount I owed on the XXXX XXXX XX/XX/2022 statement was only {$34.00}. When I released from the hospital in XX/XX/2022 the amount owed on the XXXX XXXX credit card bill had ballooned to {$140.00} after late fees and other charges were added. 

The XXXX XXXX representative stated she could not waive all the fees but she granted a partial waiver and waived some of the fees and I paid the credit card bill in full with the representative on the phone in the amount of {$63.00} via my checking account/ACH transfer. 

I informed the representative I was concerned about XXXX XXXX reporting the late payments to my credit reports. I have decent credit and have not paid a bill late in over twenty years. The XXXX XXXX representative told me she would notate my account that had been affected by Covid -19 and in the hospital which caused the late payments. My XXXX XXXX bill had always been paid on time until I got sick with XXXX XXXXXXXX. 

Per the guidance provided by the XXXX  XXXX website and representative my account would not be reported late to the credit reporting agencies/companies because I was affected by Covid 19 and due to the federal CARES Act and Covid-19 pandemic Capital would not report a late payment. 

Unfortunately, even after all the public assurances given on the XXXX XXXXXXXX website and by the XXXX XXXXXXXX representative I spoke with, XXXX XXXXXXXX did and continues to report late payment ( s ) to the credit reporting agencies, XXXX, XXXX and Equifax. Which has and continues to negatively impacted my credit scores. 

I have attempted to reach back out to XXXX XXXX customer service and I was told there was nothing they could do to remove the late pay ( s ) from my credit reports even if it was a result of me contracting XXXX and being hospitalize. I also attempted to contact XXXX XXXX XXXX office via email but did not receive a response from XXXX XXXX via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
On XXXX/XXXX/2016, I requested a credit limit increase with HHgregg/ Synchrony bank. I spoke with a representative who never informed me by requesting a credit limit increase this would count as a hard- pull on my credit file. Currently I 'm enrolled with FICO credit alert and on XXXX I was alerted to an Hard Inquiry on my credit report, upon further investigation I noticed it was from Synchrony Bank. I called Synchrony bank and spoke with several agents who advised me anytime you request a credit limit increase this is counted as a hard pull on your credit report. I explained to several of the reps I was never given this options when I spoke with the rep who processed my request for a credit limit increase, I then asked were all the calls recorded and was told yes they are. I spoke with the fraud department and spoke with XXXX who advised me they would have o fill out paperwork to have this hard inquiry removed but he would need to transfer me to Customer service???? So I spoke with a rep from customer service who had no Idea what paperwork the prev rep was talking about, I asked for a supervisor and spoke with " XXXX '' from Customer Account Services I explained to her the issues and wanted to have the call reviewed the day I spoke rep on XXXX pertaining to credit Increase just to prove to her I was never advised this would be a hard-pull on my credit file. XXXX advised she was unable to assist me and she would trans me to a XXXX rep. I disconnected the call out of frustration and decided to file a complaint against Synchrony Bank to have this Hard Inquiry removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Blockchain.com, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
At this point, it is clear to me that BlockChain ( inc ) US is a total scam.

I had trusted with them all my crypto in ( what they call ) a rewards account. It means you trust your crypto with them and in return get higher interest on it. 

When exchanges behave responsibly, they organize themselves such that they always have enough fractional reserve, so that when people what to leave/ check out, they can give back the crypto they were trusted with, to the people who own it. 

Not the case with BlockChain ( inc ) US. For a half month already, they refuse to give me back my crypto- and refuse as well to tell em why. Obviously this stinks big time and reminds us ( sadly ) about the hybris of banks with devastating societal consequences only a decade ago. This calls for more regulation, ad minimum w.r.t. fractional reserve. 
Meanwhile I consider my crypto stolen by BlockChain ( inc ) US and demand to be compensated for it. Aside the immediate return of my assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: ALLY FINANCIAL INC.
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am using Ally Bank. Please look at their website, scroll down. Their website says they are the best 2019 online bank. I have work and other things to do during the day. I do not sit at my laptop during the day. I stay late past midnight to pay my bills at least two times per week. Ally Bank always does it updating around midnight to mess me up while I pay my bills. I chatted with their employees a few times, but they do not care. It is 100 % clear that Ally discriminate its customers who stay up late to use their online bank. This is an opposite from the saying on its website that they are the best online bank in 2019. Their website is lying.

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 2015-11-17
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Conn 's appliances has been calling me since XX/XX/XXXX multiple times per day regarding a debt that someone with the same first and last name as me owes them. I have informed them multiple times that the middle names and birthdates are incorrect and they have called the wrong person. I have requested them multiple times to take my number out of their system, and they keep telling me they have done so but then start calling again. They have called multiple times every day for the past few weeks again, including harassing my daughter today and asking her for my personal information such as birthdate. In previous calls, they have asked me for my social security number and have harassed my wife multiple times. I called them again today to ask them to remove my number and told them again that I will take action if they call me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
i went into wells fargo to open a savings account we sat down with the manager he was asking my husband and myself have we ever opened an account with wells fargos my husband had open an account a few years back and it will be my first time so the guy was asking me if i ever lived at this place i said no then he ask me if this email was mine i said no then he asked me are you sure you never opened an account with us before i told him no. i told him it doesnt make sense why would i come in here today to open one. he was on the phone talking to wells fargo fraud divison now he was starting to make me feel uncomfortable like i did something wrong so this lady walks over and ask whats going on i was trying to ask him the same thing so i was getting irritated because he wasnt telling me anything all he said at this time we are unable to open an account for you i asked him why not he told me i cant give you that information my husband ask if we can get a copy of why they are denying me he gave me a number to call so i called the number left like three messages so she finally called i gave her my first and last name i told her i try to open an account and i wasnt able to and was told to call this number so now im calling she asked what its aboutt im trying to find out myself she said she will call me back when she finds out whats going on still waiting can you please help me out im really trying to build my credit not destroy my credit need help thank you

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 2019-10-30
Company: AES/PHEAA
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I just got off the telephone with Fed Loan Services, and they informed me i was victim of a scam in XX/XX/XXXX, where a company tricked me into giving them my information and setting up a payment plan of {$19.00} a month. This month ( XX/XX/XXXX ) I began receiving emails from FedLoan about paying my account. I attempted to log in, and was unable to because my account had been created by a person that was not me. I knew this because A. The username was not something I have ever used. B. One security question asked about the name of my first niece, and I do not have any nieces. C. The second security question asked for my Mothers middle name which I should have gotten correct because I know that information, but instead was locked out of the account. I then proceeded to call FedLoan Services where they told me what happened, and then to file a complaint here with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Issue: Late fee

Complaint:
I have been charged {$2.00} every statement as Finance charges. These charges have been appearing on my statement from XXXX of 2015. I called the company SYNCHRONY BANK in XXXX and all the extra changes were removed and they accepted their mistake and promised that this will not happen again. I called the SYNCHRONY BANK again in XXXX and they accepted their mistake and reverted the charges in XXXX. I have been harassed as these charges have started appearing again. It takes lots of time to to call the company have they promise that this will not happen again and it appears on my monthly statement again and again. I have called then so many time and every time SYNCHRONY BANK promise that it will be taken care and will not appear. I am frustrated as this takes so much time and I feel frustrated and harassed by SYNCHRONY BANK.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: Experian Information Solutions Inc.
State: AR
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:
Its been over 9 months since I have been going back and forth with Experian over several accounts, bankruptcies, reporting on my credit file that were established without my knowledge or consent. I have sent countless letters, disputes, affidavits, and most recently an identity theft reports supporting my claim. I since have received nothing from Experian but vague or shallow responses regarding my disputes. I was instructed from my local authorities to complete and submit a identity theft report which included accounts ; 1.XXXX XXXX # XXXX, 2. XXXX XXXX # XXXX, 3.XXXX  XXXX # XXXX, 4.XXXX XXXX XXXX # XXXX , 5. XXXX XXXX # XXXX, 6. Ch XXXX Bnkrptcy # XXXX, # XXXX, Ch XXXX Bkrptcy # XXXX. There also several fraudulent inquires currently displaying on that I never requested or initiated that have been in dispute but still remain on my credit file. It has been well beyond 30 days for the alloted time frame given under the Fair Credit Reporting Act and Experian has clearly violated my rights as a consumer under sections 605b, 609, and 611.  These fraudulent accounts are from the direct result of identity theft and should have been removed several months ago. It has come to the point of me seeking litigation action if this matter can not be resolved. I have several certified receipts and copies of each and every dispute I have ever sent to Experian and will provide if necessary.

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 2022-09-06
Company: AES/PHEAA
State: MD
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 FED LOAN SERV account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states, I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation