BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-12
Company: Google Compare Credit Cards Inc.
State: WV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have opened many wallets and bank accounts. I am homeless and this is the direst result of this. Google or someone that works for google blocks every email or device i have and any car or account i have. its not just google. its XXXX XXXX, different bank accounts, its every payment source. I verify my identity over and over and they tell me they wont accept my documents. My banks block my accounts and give it to others to use. I need help before i end up dead. I am the owner of a foriegn bank and im broke and homeless because of the internet.My identity is being stolen. Postal workers are stealing my mail. Boyfriends steal my info and somehow make themselves my power of attorney. XXXX ca says im a juvenile. And so does everything i have. my phone my bank accounts etc. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02
Company: Newman, Mathis, Brady & Spedale
State: LA
Product: Debt collection
Sub-product: Federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I did n't take a loan for XXXX. From this college. I only took XXXX classes and those classes did n't cost XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect personal information on 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 2023-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
They are taking too long to record payments. Currently I sent a payment on XX/XX/17 to pay off the balance and its now XXXX and they have not recorded payment. Its making me late and incurring fees. It was late yesterday so you can see I paid it two weeks early to avoid problems. I am not giving them my bank information to pay thru them. Paying from my bank allows me to keep records in one place.

This should not be happening. Its too easy to deposit checks.

Photo 1 shows last check daye XX/XX/17. Photo 2 shows check still outstanding. Not cashed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14
Company: Cognition Financial Corporation
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I use XXXX XXXX XXXX to pay for college. They charge a fee to break the amount into XXXX payments. I have made XXXX payments for the Fall semester and have been charged a late fee. I do not believe I have been late. Last year they tried to charge me late fees because I did not send in the same amount every month. I think the late fee is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I recently moved back to the XXXX XXXX on XX/XX/XXXX, after living in XXXX for over XXXX XXXX. I contacted a realtor to help me search for my future home, so she suggested I install XXXX XXXX which I did, and I found out about 1 Delinquency dated back in XXXX. It brought me a red flag that something was wrong because I was still in XXXX that year! I contacted the 3 Credit Bureau to start the Dispute against that fraudulent activity immediately, and we could process it without any delay. The company that opened that account ( without my authorization ) is XXXX XXXX XXXX which already had transferred that account to Midland Credit Management for Collection. However, thanks to the early approach to do the Dispute with the 3 XXXX, XXXX, and XXXX, I got a letter from Midland Credit Management on XX/XX/XXXX, letting me know that they have reviewed their records and gave the following updates : We have closed 'your account ( which is not mine ) and ceased collections. You have no further obligation regarding this account. 
I honestly thought that the issue was erased from my credit report because XXXX, my personal Bank since XXXX, was able to give me a XXXX XXXX Credit Card ; however, my realtor emailed me a screenshot about some delinquency in my report and was unable to proceed with my mortgage correctly because of that issue showing still in my report? I decided to contact XXXX today to proceed with a Dispute to XXXX XXXX XXXX, and the representative from XXXX suggested I report this issue to this official site. 
Please I need your assistance regarding this terrifying issue because I can not imagine that this activity could damage my dream of a smooth transition back to my home XXXX and my dream to purchase my future. I do not want to think that this could happen again to me or no one. 
Yours Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 am a victim of identity theft. some one broke into my Dad 's house years ago and stole everything including my personal information. I been reaching out using dispute letter sending them in certified with my correct information correctly spelled name birthday social address and demanding fraudulent account to be deleted from my credit report. my last letter I sent in was XX/XX/2021 certified with copies of my FTC report Drivers license Social security card and bank statement. nothing has been deleted or removed I will be attaching copies of the document I sent in to this 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 2016-01-19
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have a Regions Bank checking account. I was charged approximately {$400.00} in overdraft fees for purchases, some quite small. Regions Bank never alerted me that my account had issues. 

The Regions Bank representatives I contactd in Alabama -- XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX -- refused to give me the address of Regions Corporate office so that I could write a letter. XXXX XXXX refused to even give me his title.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: IL
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 my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Balance {$900.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$720.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX FL XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX AV XXXX, IL XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX. Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Experian Information Solutions Inc.
State: VA
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:
I wrote letters date, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and my most recent letter date XX/XX/XXXX to Experian and XXXX  regarding an account being reported by XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ). 

The letters were informing them that the debt in inaccurate, and falsely reporting and requested a letter of validation. I later realized that these medical bills were a result of a Virginia State workers comp case and should have been handled by the insurance company XXXX XXXX XXXX since I was hurt on the job. 

These letters were sent to both the credit reporting agencies and the collections agencies. XXXX responded that the account was unable to be verified and deleted it from my credit report but Experian and XXXX failed respond to any of my complaints and continues to report this account as being 100 % accurate. 

As a result of this, my credit has been damaged and I've been discriminated against as having bad credit and denied credit because of this false information being reported on my credit report. to this day the information is still being reported inaccurate and false information is being reported.

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 2020-04-08
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing this due to non-compliance with NETCREDIT. THEY HAVE FAILED TO REMOVE INFORMATION THAT WAS AFFILIATED WITH PERSONAL DETAILS THAT WHERE CHALLENGED IN THE PAST. 

I strongly believe they are in violation of the FCRA and are refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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. 

Account Name : OAG CHILD SU Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 have spoke with transunion and I have attached the documents that they told me to send to them. I also sent it to them by certified mail. These fraudulent accounts are messing up my life. I have been denied credit because of these accounts. I have already invested in a credit monitoring so that I can immediately see if anything happens with my credit. This is me writing this trying to rectify they situation. I have included documents to verify my identity also

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 2015-10-12
Company: Nicholas Financial Inc.
State: OH
Product: Other financial service
Sub-product: Debt settlement
Issue: Excessive fees

Complaint:
Nicholes Financial Inc is reporting a Charged off account on my consumer report and is still trying to collect on said account. That will not provided me with the original contract nor statements of accounting.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
We were charged fees because we did not have a minimum {$2500.00} checking balance. The fees wereexcessing and we eventually cancelled the account and went to a different bank.

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 2022-05-05
Company: CITIBANK, N.A.
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 FAIR CREDIT REPORTING ACT XXXX  ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 
15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY 215 USC 1681 SCETION 604 A SECTION2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 UCS 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE

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 2022-11-03
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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. Account name : # 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, XXXX XXXX XXXX : # XXXX, XXXX. XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # 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 a account with 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 2017-02-27
Company: World Acceptance Corporation
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
When unable to pay I 'm automatically threatened. I 've been threatened that my account would go to the attorney, I 've been told that my account WAS already sent to the attorney, but then they resume calls the next day, so they 're lying. Not only lying, but calling my employer private and calling my cell number private as well & I 've even answered their private calls. I do this kind of work daily so I know what you can and ca n't do, which is why the cfpb was put into effect, to keep consumers from being taken advantage of! They call more than 3 times a day blocked. Which they can not do. All together I 'm upset with this financial corporation. There is a such thing as collecting without threatening your customers!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: CITIBANK, N.A.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have two cards through citi that were enrolled in the payment protection program in XXXX without my knowledge. This is a variable amount that is figured off of the ending balance on each card. I amassed charges in the amount of {$1500.00} on one card and XXXX on the other without figuring interest on the fees they charged. 

Yes, I feel like an XXXX for not catching it sooner. I checked my accounts monthly for any charges I did not recognize and did not question the amount listed on my statement as fees, which appeared right above the amount of interest charged. I figured it was a card usage fee and had no idea that it was an optional insurance fee. Had it been listed as a charge for a service, I would have noticed and cancelled it long before now. None of my other cards have anything even remotely similar an this is not a type of service I need or would purchase. 

Citi has told me that no proof of enrollment exists, only that I agreed to it during a phone call with them. I have spoke at length with XXXX in their customer service dept and he has told me that I can dispute the charges, but he can only go back through XXXX to see the amounts. In a letter I received after cancelling payment safeguard, citi states that any previously billed fees are non-refundable. 

The whole practice feels shady at best and I can not see where it is ok to list a payment taken for an optional service is listed only as a fee with no line item description. 
Help in recovering any of this amount would be appreciated and an amendment to how they list the charges might help others notice before they pay for something they don't need and didn't sign up for.

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 2021-03-03
Company: CITIBANK, N.A.
State: AL
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:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2023-12-15
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I'm going through a finanical hardship and they keep calling my house number when i told them they needed to call the debt people and i had given them the phone number to the people to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with MIDLAND FUND plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$1700.00}

Company response to consumer: Closed with explanation