BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-30
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/2021 Populus Financial Group , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Checking Promotional Offer Account XXXX Demand Letter To Whom it May Concern : On XX/XX/2021, I applied online for a Porte checking account ( the Account ) offered by Populus Financial Group , Inc. ( Populus ) in response to a promotional offer ( the Offer ) : SET UP DIRECT DEPOSIT TO EARN {$100.00} ( Exhibit A ). I was approved for the Account and I subsequently set up a direct deposit in fulfillment of the terms. 
When the bonus did not post, I reached out via email and was told that the Offer required Card Activation ( Exhibit B ), a condition that was clearly not present in the original terms. 
Therefore, I respectfully demand that Populus pay the bonus of {$100.00}. 
Otherwise, this matter will proceed to arbitration with all costs and fees taxed to Populus. 
Sincerely, XXXX XXXX enc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed this account information as inaccurate with you, and you have failed to respond. Under the laws of the FDCPA, I have contacted the collectors myself and have been unable to get them to verify that this is valid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Experian Information Solutions Inc.
State: TX
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:
After viewing my credit report. I saw that there were multiple fraudulent accounts. I have reached out to the credit bureaus for help and there has been no relief.

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 2021-06-30
Company: EQUIFAX, INC.
State: NJ
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:
Hey, hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being passed around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my Report I filed for identity theft because these accounts were not mine. Have them remove these thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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, XXXX XXXX XXXX, have noticed Capital One Bank of myXXXX XXXX XXXX reservation of rights UCC 1-308. 
On XX/XX/ 2018 I, XXXX XXXX XXXX, promised to pay/scheduled payment to Capital One Bank in the amount of {$860.00} as full payoff of the cards purported balance. 
The foregoing payment was accepted/received by Capital One Bank on XXXX XXXX,2018.

Capital One Bank has punitively " remarked '' my credit report with not only additional fees that was not originally owed, but also Capital One Bank has punitively placed 34 charge offs on my credit report severely rendering me unable to obtain credit. 
I, XXXX XXXX XXXX, am not in receipt of any paper or verified documents that would lead to any legal conclusions of fact which might prove otherwise. 
I have requested via USPS certified mail that Capital One Bank Validate the alleged debt said to be owed by XXXX XXXX XXXX, however Capital One Bank wilfully refused and in violation of 15 U.S.C -1692 ( g ) ( 4 ), Capital One Bank continues to report unverified amounts said to be owed by XXXX XXXX XXXX See 15 U.S.C -1692 ( e ) Proof of Doctrine of Estoppel by Silence not supplied Engelhart vs Gravens ( mo ) 281 SW 715 719, I presume that no proof of the alleged nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My hardship started when I lost my job and had a decrease in household income. I attempted several times to request for a modification with my mortgage company but to no avail. I provided documents to them over and over again and attended conference and yet I keep getting missing doc letters that ask for the same items ( income ) just recently a delay in judgment was place for XX/XX/XXXX in order for me to provide again my paystubs. This was emailed to lenders attorney yesterday and was told everything will be placed on hold. I understand I should have been given 30 days for review of an option not 11 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I made my final lease payment in XXXX and I had the option to purchase the vehicle at the end of the lease. My wife asked the XXXX rep about receiving the title to the vehicle and they could not give her an answer. I signed a contract with XXXX XXXX and XXXX XXXX XXXX and they can vouch that I have made all payments on time. I just dont know who is going to sign the title over after I send them the payoff. Apparently XXXX was reporting the final payoff as part of my regular lease payments which is not correct. I need to know who to send the agreed upon payoff to and they need to fix my credit report. I have worked hard to get my score into the XXXX now Im lower than where I started 4 years ago.

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 2023-10-19
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been working with XXXX  XXXX Global Holdings LLC since XXXX to pay off the debt on my XXXX, XXXX XXXX  and XXXX. 
On XX/XX/XXXX I did a one-time wire transfer payment to Global Holdings LLC per agreement, confirmation # XXXX in the amount of {$5800.00} to settle the two remaining credit cards, XXXX and XXXX Bank XXXX XXXX any remaining fees involved with XXXX  XXXXGlobal Holdings LLC. I spoke with XXXX, along with several other representatives. There were to be NO more drafts out of my bank account. On XXXX, XXXX XXXX drafted another {$270.00} from my checking account, which I found out when I went to buy groceries and had no money in my account. I called Global Holdings right away, they were closed. When I called them on XXXX, I ultimately spoke to XXXX again, she said she would have to look at my account, she would put a stop to any further withdraws, but will have to have the department look into the draft and put in a XXXX and they will refund whatever amount is remaining after they look at their numbers. Throughout this entire program, the amount of fees and incidental charges that were done by Global comparative to what actually went to the Credit Card companies are quite askew, I feel as though I have been taken advantage of not only by excessive fees, but by additional withdraw from my bank account after a settlement agreement was made by both parties and I had wired the agreed amount of {$5800.00} to Global Holdings LLC per their direction on XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Atlanticus Services Corporation
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I've had fortiva for 3 years been an excellent customer always made on time payments. Numerous calls to their outsourced customer service agents that reads from a script barely understand English which I end up having to discontinue call. Fortiva continues to charge me very high monthly account maintenance. Monthly interest rates on top of XXXX charge every year. Ive never had a credit increase and these charges continueto rise. I received email from fortiva which states these high monthly charges reduces after 1 year and my account will be reviewed that never happened. Horrible experience no customer service assistant to redeem issues

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX HAD allowed Ctedit Companies to run my credit Report Causing a Hard Inquirie and affecting my credit report and And they also are a Company who I had send my Legal Documents and proof arguing for the OPORTUN account with inaccurate information contained within my personal information contained, it's wrong, name, address, they only have XXXX XXXX, they are not providing any other identification or job, or any other sources of proof to identify my self as a responsible owner of the account.! 


XXXX AND XXXX ARE ILigaly Using their power to mess up the POOR PEOLPLE LIKE ME... Trying to make a decent life and wrongful acting as a XXXX, helping a Credit Company they get benefits daily, promoting their credit cards and getting commission, I get credit offers by 26 % or 36 % for credit or a loan. Just a sample I a get a card loan at a rate of 16 % for the amount of {$13000.00} dollars monthly the Loan company will get about {$240.00} on interest for a person like trying to build my credit after been " mess his identify '' so on that loan XXXX XXXX will get a percentage, for XXXX is no good to verify and fix the wrong information. 

Please CONSUMER FINANCIAL PROTECTION BAREAU REVIEW THE DOCUMENT. I JUST DONT UNDERSTAND IF " XXXX XXXX WITH the same Documents I provided to, Experian, XXXX and XXXX XXXX .only XXXX HAD FIX THE INACCURATE INFORMATION AGAINS ME. 

XXXX, Experian, and XXXX had even allowed car dealership companies to run my credit 2 times a day. It's Terrible seem this companies allowing This kind of inappropriate, inaccurate information.

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 2019-04-26
Company: Experian Information Solutions Inc.
State: IN
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 contacted Experian multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Experian in regards to an account listed on my credit report as XXXX XXXX XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Experian, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Experian and another bureau that this account is being reported to. Again, I have not received any verification of this account, and in addition to that, Experian was reporting an open date of XX/XX/XXXX however XXXX was reporting an open date of XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX  XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.

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 2023-11-01
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
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:
Credit Acceptance Corporation has preyed upon me as a XXXX adult and continues to repossess my vehicle without first giving me the option to voluntarily meet in an agreed upon location as is required by Florida law. XXXX XXXX has charged me alleging that I must pay XXXX XXXXXXXX in order to now recover my vehicle. I only have XXXX payments remaining on the loan at XXXX XXXXXXXX. There is no way I owe this amount on an {$8000.00} vehicle when I was unlawfully required to put down {$4500.00} as a downpayment. This is the 3rd time this year Credit Acceptance has extorted me without showing me proof of what is owed on the car loan. Credit Acceptance has not provided me a ledger or an adequate contract that notes the amount I allegedly owe. Credit Acceptance does not have a valid security agreement nor a XXXX financing statement that would allow for them to hire a XXXX XXXX  debt collector to steal and confiscate my car and narcotics within the vehicle. I am being targeted and coerced into being defrauded. Credit Acceptance shall not be allowed to oppress me while simultaneously and directly effecting my daily activities and my health as a whole. I am demanding proof and the immediate cessation of collection activities. Furthermore, Credit Acceptance continues to tarnish my reputation and cause me to be subject to prejudicial treatment as they continue to unlawfully report alleged late payments on my credit report when Credit Acceptance knows it does not have my consent not the authority to report such activity by law under the FCRA 15 USC 1681a ( d ) ( 1 ) ( A ). Remove the late payments and return my vehicle or I will be forced to take legal action.

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 2021-01-15
Company: Medical Business Bureau
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a certified verification of debt letter to the Medical Business Bureau. Unfortunately, the bureau failed to provide any documentation with my signature verifying this debt. I can not pay and will not pay anything that can not be verified. I requested detailed documentaion and the Bureau could not proivde this info.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Checkr, Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I noticed one of my charges has a disposition of active warrant, however I do not have any active warrants, I am attempting to work for a delivery service and this is causing me to not be hired. When I submitted a complaint stating that my information was incorrect I was notified that any application there after would be on hold however I had another company send in for a background check the same background was given that contained inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: CITIBANK, N.A.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XX/XX/2022, Citi said my account had no transactions in the XXXX  months prior and froze/deactivated my account. 

In XXXX I was told to mail in a signed letter or go to a local branch. I am not currently in the USA, so I mailed in the letter, exactly as they requested. They DID NOT request for the letter to be notarized/apostilled. 

The letter was sent on XX/XX/XXXX. 
I was informed by the carrier that the letter was delivered on XX/XX/XXXX. 
I called at least once each month in XXXX, XXXX, XXXX and XXXX to see if the letter had been received by the correct department. 

In XXXX I was informed that the letter arrived on the XXXX and was being redirected to the responsible department in XXXX XXXX. 

I was informed by XXXX attendants that the letter was received correctly and that the account should be reactivated within XXXX  days. 

I kept on calling to get updates until I was told that I had to mail in a notarized letter. After inquiring as to why, the attendant told me the letter had to go through the Consulate to have my signature verified. 

I am too far from the consulate, already spent over {$20.00} to mail in the letter. I have over {$2000.00} which is costing me over {$10.00} per month as I want to move the money to an account with a 5 % yield. 

Its been a TERRIBLE experience and I have been misinformed and mistreated by Citi. 

I request either for my account to be reactivated or for the funds to be sent to another account under my name and Social Security and for my account to be closed. 

I tried for over XXXX  months to have my account reactivated directly with Citi, which turned out to be impossible. 

Thank you. 

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 2022-10-14
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX  ASSOC Account Number : XXXX BANK OF XXXX Account XXXX : XXXX XXXX NOW Account Number : XXXX XXXX  COLL Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: BBVA FINANCIAL CORPORATION
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Compass bank aggressively offered a line of credit/ loan. I did make close to four payments maybe more. Late XXXX into early XXXX. Did seek a debt reduction program, which compass has not worked with. I feel the finance charges of XXXX are not in line with the payment of XXXX which is fifty percent less then the interest! I. Have suffered a XXXX and not able to work at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts are not mines and nor do I have any knowledge of these accounts. I'm asking that the following accounts be blocked from my credit report, ( 1 )  XXXX XXXX, ( 2 ) SXXXX XXXX XXXX, ( 3 ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have tried several time to get this bogus information off my report and this company has violated and defamed me over and over. I am having problems getting approved for credit due to these injustices.

Company response to consumer: Closed with non-monetary relief