BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-16
Company: EQUIFAX, INC.
State: NY
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 take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-06-17
Company: Experian Information Solutions Inc.
State: TN
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, Account # XXXX has violated my rights. 

15 US 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 instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
In XX/XX/XXXX and XX/XX/2015, I ordered XXXX items using my Citizens Bank debit card. The first was from XXXX XXXX for {$910.00} and the second was from XXXX for {$130.00}. Both of these items are being refunded to my debit card. However, I closed my Citizens bank account ~ 2 weeks ago and thus can not access the original card nor the account to which the funds will be returned. 

At this point, I have confirmation that the {$910.00} refund has already been processed and a confirmation that the {$130.00} refund is in the works. 

When I spoke to both companies, both said the same thing - that banks have procedures in place for these instances and can cut me a check. However, when I called Citizens Bank, I was told that " It 's really difficult to get that money now '' and then bounced around from representative to representative for several hours. I am now on my 3rd call with them today ( As I am writing this, the call just passed 1 hour and 55 minutes on hold ). So far no one at Citizens has been able to tell me when / how the funds will be returned to me. Instead, they have simply bounced me around from department to department and disconnected the call multiple times. This seems more like a stall tactic than anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Commercial Trade, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My insurance deductible was only supposed to be {$75.00}. And my balance for the hospital is higher than what it should be. Was opened XX/XX/2015. I now owe {$94.00}. I have tried disputing with the company and got no where.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 i made a mobile app deposit to my Capital One 360 checking account ending in XXXX in the amount of XXXX unfortunately the bank wouldnt release my funds because they allegedly needed to verify the remitter of said check that was XXXX  months ago! Since then i have made a few efforts on my own to get Capital One to actually get on the phone and call the remitter in this case XXXX XXXX and their partner bank XXXX XXXX bank i actually have had XXXX agent verify the check with XXXX XXXX but have had difficulty verifying with XXXX XXXX because of their policy of being unable to speak on a recorded line like the one Capital One uses!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: WI
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:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX ( OPENED 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 In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX ( OPENED 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 In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX ( OPENED 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 In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX ( OPENED 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: EQUIFAX, INC.
State: SC
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:
Over the past year I have been trying to resolve fraudulent entries on my Equifax credit report. After sending my original police report of identity theft , several supplemental reports, and my FTC identity theft report with formal request to block those items Equifax continue to violate my rights as an identity theft victim. XXXX   and XXXX conducted the same investigation with the same information and the items were deleted promptly. I'm filing this complaint against Equifax because I'm suffering damages because of these fraudulent accounts and after numerous attempts they report the fraud anyway. I have attached documentation of the dispute and report of fraud. This is hurtful and unacceptable and this behavior is nothing short of willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I switched cell phone carriers from XXXX to XXXX. XXXX promised to pay off my XXXX cell phone bill, but they never paid the remaining amount, leaving an {$1100.00} balance on my credit file. I paid it down to {$200.00} because XXXX said they would delete it from my credit file, but they never did. Not only was I not responsible for the full amount, I paid it and still it remains on my credit. XXXX said they sent a XXXX XXXX with the balance but it got lost, and they said there is no way they will re send it. I was scammed.

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 2019-08-20
Company: Commercial Acceptance Company
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Commercial Acceptance Company Displaying a difference in which was actually due. XXXX XXXX XXXX XXXX  was my bank for five years prior to loosing employment. At the moment I requested a delete if paid letter. Haven't heard anything within 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: Big Picture Loans, LLC
State: MS
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I got a loan through Big Picture Loan and was not given correct information about it. I am being charged 968 % interest on a {$350.00} loan. In total i am paying back {$1800.00}. And I have to pay {$120.00} every two weeks. I was never told that I would have to pay so much back or that I would have to make payments every two weeks. If I would have known this I would have never borrowed money from them. Is this legal? Is there any way I can get out of this?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
I do not have a government benefits card. However, I received a text message on my work cell phone, from XXXX on XX/XX/2021 at XXXX that reads : BANK OF AMERICA XXXX Your Bank of America EDD Prepaid Debit Card has been temporary [ sic ] suspended. Please click the link below to re-activate your Bank of America EDD Prepaid Card to continue using. http : //prepaideddcardbanksofamericas.com/reactivateds I did not follow the link ( obviously a scam, note the spelling ), but wanted to report this in case others were alarmed and clicked.

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 2016-08-03
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Enhanced Recovery Group has reported a collection action to all XXXX credit reporting companies on behalf of XXXX for {$770.00} as of XXXX XXXX. I know nothing about the account, services provided, I did authorize or guaranty any account with XXXX. I have never received a bill, statement or demand for payment, description of time and place of services, etc. I have been turned down for a home equity loan by XXXX which is how this came to my attention. The only other negative filing on my report is XXXX 30 day late payment on a revolving account. I have repeatedly requested that all XXXX reporting companies to remove the erroneous and fraudulent filing from my reports. The only response I have received is to note that I dispute the collection action and that it will remain on my reports until XXXX XXXX. My primary remaining remedy, other that filing a lawsuit, would be to file documentation supporting my position. What documentation might that be? In other words what documentation could I be in possession of in connection with an account that I have no knowledge of?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-05-29
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid on  XXXX   XXXX ,    2017, directly to Caine & Weiner. ( See attached ) copy of certified funds ( that was cashed ), copy of credit report entry, certified USPS slip and delivery confirmation of the funds. The balance needs to be reported as paid in full per OCC and FDCRA regulations or reported to the appropriate authorities for   sanctions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: Big Picture Loans, LLC
State: FL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I took a loan for XXXX with this company called Big PIC loans. I knew the interest was high however, I did not know that I would be paying this much. I already paid them XXXX in XXXX biweekly payments. When I reviewed my future payments I have payments scheduled payments through XXXX 2017 for XXXX on an XXXX loan. I made a big mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: AMERICAN HONDA FINANCE CORP
State: NJ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Shopping for a loan or lease

Complaint:
I purchased a 2014 XXXX XXXX from XXXX XXXX XXXX in XXXX NJ. I originally planned to finance the car but they told me my payments would be almost $ 800/month. They said my payments would be less if I had a co-signer and if I did a lease and chose the purchase option at the end. I did that but my payments are still high at $ XXXX/monthly. I thought this was unusual for a lease but I did n't know any better. I thought with a lease my payments would be about $ 300/month. I also brought my diploma because they offer {$500.00} off for new college graduates. They switched my mother to the primary when she was supposed to be the co-signer and then said I would not be eligible for the {$500.00} credit because I was no longer the primary on the lease. I really need to know what interest rate I was charged because after reading about this settlement I now fear that I was ripped off on this purchase. They also charged me for a lot of things I did n't request like a key replacement fee, gap insurance coverage, excessive mileage coverage, etc. When I complained and requested that the unnecessary items be removed they said ok but it would n't change my lease payments. I was very confused but by then the 3-day grace period had passed and I was stuck with the car and the high payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: SYNCHRONY FINANCIAL
State: MD
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:
They claim to be Synchrony Bank representing P.C. Richard and Son company. Only the email address is correct ; my name is not XXXX, I do not have a credit card ending the numbers shown, and have not done business with P.C. Richard and Son company. 

Hi XXXX, A total minimum amount of {$370.00} is due on XX/XX/2021 for your P C RICHARD & SON/SYNCHRONY BANK account ending in XXXX. Pay online or give us a call to avoid additional late fees, we want to help. 

Convenient ways to pay : Log in to your account Pay as Guest and skip login to make a quick secure payment Call us and speak to a member of our team If you can not make a payment today please call us. We may be able to assist you. 

Enroll in Autopay to help you avoid late fees and keep your account up to date.

Log in and select Manage Autopay from the Payments Menu to enroll.

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 2020-10-29
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
SYNCHRONY BANK PAYPAL MASTER CARD. 

I have been used this credit card for almost 10 months on row, paying on time and all.Today all of a sudden o get notified by buru office that my credit catd has been closed. 
I called the bank and they said that was because of inactivity. 
The reason that has been provided is not true.i has used this card for almost all my day transactions, so its not convincing to close my account that way.

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 2021-08-25
Company: EQUIFAX, INC.
State: FL
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 filed a complaint against Equifax. Complaint # XXXX. Equifaxes response did not address my complaint. There is no way Equifax read the complaint and responded how they responded. I want Equifax to respond to the complaint with an answer that actually address the complaint. They did not address the issues in my complaint instead they responded with a generic answer. I honestly believe Equifax loves to give away money. They have to because the only language they see to understand is a lawsuit. Equifax has been sued numerous times for the same issues that are in my complaint. Actually take the time to read my complaint and respond to the issues in my complaint. I want Equifax to justify why they allow documents, that the SC Attorney Generals office said were faked, to be used to validate the non existing debt that XXXX XXXX made up to scam me out of money. Address this issue. That is what my complaint was about. I did not say anything about errors on my credit report. I said Equifax is allowing documents that the SC Attorney Generals office already said are fake and if they were real do not meet the legal burden of proof need to validate this fake debt between me and XXXX XXXX XXXX. Equifax can address this issue here or address it in court when I file a lawsuit against Equifax. Explain why you ( Equifax ) say that documents that were ruled to be fraudulent by the SC Attorney Generals office verify this fake, made up debt that XXXX XXXX XXXX has submitted to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
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: Account information incorrect

Complaint:
Several credit cards have me marked as late. All lates were during the current Covid 19 health crisis and should not have been shown as late on my reports. In fact, the lates should actually never have been marked as such. The 3 cards reporting as late were XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX  and XXXX XXXX. Again, these lates should never be reported on my credit reports and now my credit score has been negatively impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I noticed in last month, XX/XX/XXXX, that our time share company showed up on our credit report and with payment history. Cool, I have no problem except when I looked at it I noticed late payments! XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( XX/XX/XXXX XX/XX/XXXX ) hows late XXXX days. I have made all my payments and currently I 'm working to get a mortgage and this is how I found out. They showed me and no I ca n't get a house. This was not on my credit over month ago and suddenly it shows. Experian is reporting inaccurately. I sent them a letter last month disputing this account and no response. I 'm desperately trying to figure out an easier way but it does n't matter bc it 's impossible to get ahold of someone there without waiting and then when you do wait and someone picks up.. they seem over confused and barely speak english. Hopefully this will bring me some relief. 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 non-monetary relief
Consumer complaint received 2016-11-12
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX initiated XXXX & XXXX were paid in full when I sold my home, not due to any bankruptcy. I have emails and letters proving XXXX engaged in fraud to try to force me into foreclosure in attempt to steal my equity. They lied repeatedly played dangerous games and intentionally harassed me with false statements and fraudulent actions knowing I was extremely ill. They Intentionally Inflicted XXXX. They have no business putting anything on my report they should be under investigation for fraud. 
XXXX XXXX, XXXX : XXXX XXXX XXXX and XXXX purposefully chose to not file a payoff of the loan I had with them. I had to write Senator XXXX XXXX and pressure them a lot to get XXXX to finally file the papers with XXXX XXXX. They did so with great resistance and resentment on their part. I have letters and other proof of their fraud. I complained to FTC as well but like many of the fraudsters during the Great Recession they got off with no punishment. Only consumers were punished. 

I devoted myself to lifetime of ethical service and was like many others grossly abused by the financial industry. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX in particular. 

I have many letters, emails and other documents proving their crimes. I complained to many agencies and individuals in power. Wasted precious time and energy when I was extremely ill. During the time of the Great Recession nothing was ever done to punish the financial industry criminals. Do n't expect anything to be done now. At least have the decency to remove the false derogatory comments off my credit 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 non-monetary relief