BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-02
Company: KINGS CREDIT SERVICES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I owe a XXXX  debt from 3 years back that went to collections. I received a phone call from the collection agency where is I asked what would be the lowest amount they would settle for. The first representative I spoke to said she did not know and when I offered an amount she told me that was too low. I again asked her what was the amount they would take to which she again said she didnt know. Which I thought was funny. How you didnt know the lowest amount that I could pay but you knew what to not accept. She then told me I needed to pay the full amount which was the original debt plus the interest their company was charging me ( I didnt know you could charge interest on medical debt ) I hung up and called later to speak to a supervisor who told me that they were just partners with the original debt owners and that they did not own the debt. Told me the original people wanted the full amount plus the amount of interest that occurred from the debt collectors end. I called the original medical office who then told me that they do not own the debt anymore the debt collects do and that I would have to work out an amount with them ( which showed me the debt collectors lied to me ) they refuse to negotiate a 3 year old debt saying I had to pay the full amount, plus the interest. Which again Why are you charging interest on a medical bill and I do not recall interest being mentioned in the contact I signed with the medical center to be honest I dont even know why the bill was high I only went there once and they didnt do anything to me but put me on vibrating bed. So Due to them lying to me about owning the debt and not trying to negotiate with me I write this complaint. For kings credit services in XXXX ca. the original amount was XXXX they want me to pay XXXX with the interest included.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was recently charged an extensive amount of Overdraft fees in the amount of {$100.00} and a monthly maintenance fee of {$12.00}, totalling {$120.00} in fees added to my checking account above. 

My account was originally overdrawn by Bank of America on XXXX/XXXX/16 in the amount of {$12.00} for a monthly maintenance fee. Then subsequently you they allowed XXXX to charge to my account rather than declining it an additional XXXX on XXXX and XXXX on XXXX ( Resulting in additional overdraft fees totaling {$100.00} ). I was not aware of XXXX charging this amount to my account for a onetime credit report we pulled and have since cancelled and you will see a credit of XXXX on XXXX and still pending a credit from them for 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 monetary relief
Consumer complaint received 2022-06-02
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX a fraudulent charge of {$3600.00} was made on my citi bank credit card. I called citi bank the same day ( XX/XX/XXXX ) to report the fraudulent charge. On XX/XX/XXXX the card with the fraudulent charge was closed and I was mailed a new card. The following week the charge was posted to my account. After disputing the charge Citi bank claimed I am responsible for this charge even though the card has a zero fraud liability clause. A police report was filed with the XXXX XXXX, Ohio police department regarding the fraudulent charge.

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 2022-06-02
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:
I have attached and FTC report with an account and inquiries I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Contacted company and was gave them concerns regarding account being continuously reported to credit bureau due to negative impact on housing market. Confirmed that they sent in a request for negative reporting to end for account, however it is still showing as negative on 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 2016-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have had to contact bank of America probably 10+ times now and no one there seems to be able to fix my problem. I should have been awarded a {$100.00} checking account bonus over 2 months ago and I have already been told I have met all the requirements. 
The next months monthly fee is going to take place on XX/XX/XXXX and I will not pay this so please give me the {$100.00} so I can close my account. Such a frustrating experience.

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 2022-06-02
Company: EQUIFAX, INC.
State: GA
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:
Equifax has reported the below accounts to my consumer report. This is a violation of my rights pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). I never gave Equifax any written instructions to do so. Equifax has also failed to exercise its grave responsibility to respect my right to privacy for its profit. The reporting of this information has ruined my representation as a consumer in commerce. It has made it difficult to purchase a home and receive above-par medical treatment as a living human being. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  has violated my rights. 
15 U.S.C 1681 section 602 ( a ) ( 4 ) : States I have the right to privacy.

15 U.S.C 1681b Section 604 ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have attached and FTC report with 2 account and inquiries I did not authorize

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 2020-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2020 I bought a snake rack from " XXXX * XXXX XXXX   XXXX '' at a price of {$770.00}. 

XX/XX/2020 I recieced an email stating that the business will be shutting down, and I will no longer be recieving my product. I was informed to dispute the charge with my credit card provider by " XXXX   * XXXX XXXX XXXX '' to get my money back. 

XX/XX/2020 I disputed the charge with Capital One ( my credit vard provider ). They credit my account the {$770.00}. 

XX/XX/2020 I recieved a letter from Capital One saying that charge was authorized by me and they are going to recharge my account for the total {$770.00}. Yes, I did authorize the charge but the issue is me not receiving the product that I bought. I am informed that I can appeal the decision but I have to mail in extra information by XX/XX/2020. 

I printed the email from " XXXX * XXXX XXXX XXXX '' telling me to chargeback my amount. Typed up an explaining with everything the letter from Capital One wanted. I mailed everything on XX/XX/2020. 

XX/XX/2020 I have heard nothing back from Calpital One, I gave them a call and spoke to a representive that said they have recieved my letter last week ( I can not remeber the day she told me ) and that my case was in queue for MasterCard process. 

XX/XX/2020 I called Capital One to talk about my dispute. I was informed that they recieved my letter to late and that a letter was mailed out on XX/XX/2020 to inform me of this, 8 days later I still have not seen this letter. 

I orginially opened this dispute because I was told that I would not recieve the product. Capital One then precede to contact " XXXX * XXXX XXXX XXXX '' asking if it was a authorized purchase, then they basically closed the case on my and not I am out almost {$800.00}. 

They told me to contact " XXXX * XXXX XXXX XXXX '' but they do not have a working website any more, no working email, and no working phone number. How am I suppose to contact a business they has no means to be contacted by.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-03
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I missed my XX/XX/XXXX payment for my Macy 's credit card which was due XXXX XXXX.. Macy 's had been calling me repeatedly since then at least 5 times a day. I 'm always punctual with my payments. I miss one and they start harassing me everyday. I do n't think they is a need to call me repeatedly everyday

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 2022-06-02
Company: Fay Servicing, LLC
State: VT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
i applied to the vermont homeowners assistance program in XXXX XXXX XXXX.i was approved for a grant to reinstate my mortgage on XXXXXXXX sent an I-record request on that date and my mortgage company which is fay servicing have not responded to the I-record request. this is hold up the funds and they want to foreclose on me. if they had responded i could have resumed my payments, now i am way behind instead of being only 3 or 4 months

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had a Citicard DriversEdge card on which I had accumulated hundreds of dollars in credits for a new car. While living XXXX, they blocked my access to online payment. I tried to pay but they quickly cancelled the account and that gave them the opportunity to cancel my credits also. Since then, they turned it over to a collection agency. I made a deal with the agency to settle the account and sent them a check, which they cashed. They then apparently sold the account to another agency, which is bothering me for this money, and they did n't report the account as closed to the credit agencies.

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 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
Department of EducationXXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 
XXXX  XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX Account # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-02-05
Company: Experian Information Solutions Inc.
State: WA
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:
Someone stole my identity and completely erased my credit history. I need to know how to go about putting all my accounts back on my credit report with all 3 bureaus. Someone has opened a credit monitoring account in my name and is disputing accounts that are actually mine and having them removed form my reports.

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 2016-04-25
Company: Collection Solutions Inc.
State: ME
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a letter from " XXXX XXXX XXXX, XXXX. '' purporting to represent " XXXX ''. The letter is dated XXXX XXXX, 2016 and alleges that I owe {$1600.00}. The letter does not advise of an alleged initial loan amount, date of alleged loan, this office 's license to collect in my state, or any other identifying information about this alleged debt. This letter states that I have " ignored repeated demands for satisfaction of '' the debt, although this is the first letter I 've received from this office. The letter then unlawfully threatens me with " an additional cause of action '' and " significant increases ( of the alleged debt amount ) due to added costs and charges if additional ENFORCEMENT ( emphasis added ) is needed ''. 

This letter is threatening, falsely states that I have been previously contacted by this company, and provides me with no identifying information of what this alleged debt amount was initially or when I was ever contacted regarding the alleged debt. The letter further states that if information " furnished by ( me ) is determined to have been false, an additional cause of action may be instituted against ( me ). '' No information to which I am entitled by the FDCPA has been provided to me with this letter. Furthermore, there is no indication of the alleged original loan amount. In the state of Maine a payday lender may not charge interest on a loan per Maine 's XXXX Agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Transaction issue

Complaint:
Invalid charge not refunded. Bank demanded credit slip. No credit slip was issued. No receipt was ever provided or signed. Citi refuses to refund.

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 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
sent a dispute letter out on XX/XX/2022, and XX/XX/2022 to the XXXX bureaus transunion, XXXX, and XXXX and still no response after 60 days. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. 


1. Validate Verify XXXX XXXX Account Number : Please remove it from my credit report. 

2. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

3. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : 5. Validate Account XXXX XXXX XXXX XXXX XXXXXXXX Account Number : Please remove it from my credit report. 

6.Validate Account XXXX Account Number : Please remove it from my credit report. 

7. Validate Account XXXX Account Number : Please remove it from my credit report. 

8. Validate Account XXXX Account Number : Please remove it 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 non-monetary relief
Consumer complaint received 2015-08-11
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other

Complaint:
Citi XXXX XXXX : Harassment calls several times a day, for days after making a payment. 
I received a phone call that I missed a payment. It was in fact numerous phone calls thoughout a day. When I called in the automated system to make a payment ( almost XXXX times the amount requested ), I continued to receive the annoying computer generated calls throughout the day. For the day I made the payment, and three days later. Three days later of up to XXXX calls a day each and every day, including Sunday evening, at random times. 
This same thing happned a few months before, were even after making a payment I received numerous calls each day for a few days after my payment was made. After calling in both times to speak to a customer service rep, they acknowledged my payment, and apologized that there system does not recognize payments made on certain days, until some days later. I informed them this is harrassment and no excuse. 

I would like to see that Citi is prevented from harrassing people that have made the proper payment, and calls immediately cease once a satisfactory payment is made. Their calls have interrupted my family and business time, and have been harrassing in nature with the frequency and time both on Sunday and in evenings each night. 

I would like to see this investigated and fined to prevent this from happening to others.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: EQUIFAX, INC.
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I have multiple inquiries on my equifax report from a XXXX XXXX all of which are impacting my credit report and if they ca n't be removed, I would like for them to be combined into XXXX inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: EQUIFAX, INC.
State: AL
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 had my identity stolen. They have ruined my life. These fraudulent accounts are causing me a lot of emotional distress. Please investigate these accounts and remove them from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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  account XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states that I have a 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 written instruction.

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 2020-12-29
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020, I made a request with my previous insurance broker to cancel my coverage through XXXX XXXX XXXX effective XX/XX/2020. I had already signed up for replacement insurance coverage for my home via XXXX XXXX. 

The new insurance with XXXX XXXX was scheduled to take effect on XX/XX/2020. 

This notification was sent to NEW REZ on XX/XX/2020. 

On XX/XX/2020, I received a letter from NEW REZ dated XX/XX/2020. This letter stated that I NO INSURANCE as required by my loan agreement. The letter also stated that NEW REZ would buy insurance coverage for my home which may not be to my benefit. 

This is the second time I have had to submit a complaint about this company. The last time, I TRUSTED that they would IN GOOD FAITH, correct their error. Unfortunately, they did not do so and continured to harass me and my family for payments they had already received. 

That said, I submitted proof of my insurance to them on XX/XX/2020 ( via website https : XXXX ) as well as by fax on XX/XX/2020. The fax was sent to XXXX XXXX XXXX XXXX. 

This means that they were notified on three ( 3 ) separate occasions that i have the required insurance coverage.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation