BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-28
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
A fraudulent charge was made on my business checking account on XX/XX/2020 through Key Bank. The bank was alerted ( by their own fraud detection algorithms ) that a charge on my card looked suspicious. They notified me and I advised them that it was indeed fraudulent, I did not make these purchases. I am in Ohio, the charges occurred in New York. The money was nevertheless deducted from my account. I was told they need to investigate before the money would be credited back to me. It has been 10 days. Still, they have not fully returned my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: Cottonwood Financial Ltd.
State: WI
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
XXXX County Wisconsin case numberXXXX After multiple delays from XXXX Law firm in XXXX, ( misplaced files, illegible records ) The judge ruled in favor of Plaintiffs motion for summary Judgement granted. 

I had no clue or knowledge of terminology or proceedings. I have receipts showing at least XXXX payments were made on a {$1500.00} Cash Store loan. Yet the Judge ruled that the Plaintiff judgement of {$2200.00} As of XXXX XXXX, 2016. Now XXXX XXXX Firm is adding fees, interest, penalties and garnishing my wages from USPS! Now they XXXX payment owed is {$2300.00} and the USPS wants to add on {$80.00} for garnishment fees. 

Help How to I get resolution on this matter and stop all the penalties fees and expenses and pay just what is owed to the Cash Store. Am I able to appeal this ruling? It is also going on my credit score. 

Thank You for legal referals XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX 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 2022-05-05
Company: Westlake Services, LLC
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 XXXX Account # XXXX, has violated my rights. 

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

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

15 USC 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 2018-09-17
Company: EQUIFAX, INC.
State: SC
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:
Contact bureau via phone on XX/XX/2018, and speak with a very helpful representative name XXXX. He looked up some information that i submitted via fax and certified mail. XXXX started an investigation # XXXX, and was able to remove unauthorized hard inquires. He removed all but two and a 30 day late payment that was listed in error from XXXX XXXX prior to and investigation, so i called back and spoke with another rep XXXX, on XX/XX/XXXX i explained to her the situation, she said she was unable to help as i explained to her the time, date and rep i spoke with just 3 days prior. She said she initiated another dispute # XXXX, which i never received an email notification like i did on the XXXX while speaking with XXXX. Both times calling the reps stated that they were in call centers location outside the USA, and verified items electronically instead of an actual investigation into the disputes i sent in.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
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 reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Good Afternoon, I'm writing this email because I want to file a complaint with Santander Consumer USA. I financed a car through XXXX around XXXX can't remember the exact year and the lender was Santander Consumers USA . Around XXXX I was let go from my job, I lost my apartment and had to have my repo since unemployment was not enough for me to keep these things. My understanding that after 7 years a negative inquiry should be removed from someone's credit report. This is not my case this customer still has this on my credit report since then and it's been more then 10 years. I've tried disputing it with sending letters to all credit bureaus and nothing. I just checked XXXX and it's showing that it won't be removed until 2027 that's 17 years on my credit report how could that be. They just keep updating the date opened. I have not had this car since like XXXX. I don't know if you are the right people to send this email to but it was on the XXXX website. Hope someone can assistance me with or direct me to the correct person or company as I don't think something like this should be on someone's credit report for more than 10 years. 

Best Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Capital One Bank continues to insist that I owe them money based on no more than billing statements that were mailed to my address with my name and address demanding money owed and no proof of signatures or contractual sign agreement! Just a letter demanding I owed money!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue.

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 2022-11-03
Company: EQUIFAX, INC.
State: NY
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 consumer reporting agencies refused to block the fraudulent accounts that was proven to be fraudulent. an identity theft report was sent on XX/XX/2022 according to 15 USC 1681c ( a ) and the consumer reporting agencies failed to perform there duty pursuant to 15 USC 1681c ( a ) they also refused to send me the proof of the investigation Of the names and people they communicated with and sworn statements that is required for verification. Fraudulent accounts are attached to this complaint and FTC identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
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 XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01
Company: Experian Information Solutions 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate thi account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$1000.00}

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 2016-11-25
Company: World Acceptance Corporation
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have made numerous attempts requesting tje validation of debt. I have requested on writing to the collection company and to the credit bureaus to provide me with a detailed breakdown of what I allegedly owed. I was not given enough information to validate debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: World Acceptance Corporation
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
over a week ago I had sent a letter to XXXX XXXX at XXXX XXXX XXXX, XXXX, TN requesting that contact to me be made by mail only. I specified no contacting my family friends etc. On 1. ) XXXX/XXXX/15 a representative from world finance came to my home, gave my husband a confidential envelope but still 2. ) discussed my loan with him! 3. ) They also continue to call me every day sometimes XXXX a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
On 2018 I took out a loan which supposed to run smoothly but was nothing like that, XXXX have to paid off the loan which I couldn't use, and the amount that I paid so they stopped taking around XXXX $ monthly payments from my account was {$9600.00}, I thought at last everything is done with them, and NO, surprise when I wanted to sell the house, the house still have a mortgage on it, I have all the documentation to prove otherwise, and goin by the reviews on their sites, XXXX, XXXX, XXXX  they do it frequently, scaming people and rushing them into foreclosures, I'm glad I'm not in that position but I can imagine how that can't be, in their site seems that many people lose their homes because of them. Is unlawful to take homes of people 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 2023-12-15
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I mailed a check from inside the post office to XXXX XXXX to cover the cost of a municipal bond purchase. The check from XXXXXXXX XXXX  ( check # XXXX ) was for {$15000.00} was made payable to my revocable trust. I was notified on XX/XX/XXXX that the bond company had not received my payment. I immediately notified XXXX XXXX  and was told that the check was posted to my account on XX/XX/2023 by an unknown party indicating that the check had most likely been stolen from the mail. I visited XXXXXXXX XXXX the same afternoon completed the required fraud affidavits. Additionally I had XXXXXXXX XXXX  wire funds to XXXX to cover my purchase. XXXXXXXX XXXX  forwarded the fraud affidavits to TD Bank who had illegally cashed the check. To date TD Bank has not responded to any of XXXXXXXX XXXX repeatedly inquiries regarding the claim. Please note that the United States Postal Service was notified of the mail theft and is completing their investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-13
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Payoff process

Complaint:
On XXXX XXXX, 2016, I instructed Citibank to close a secured credit card that I had with them. At the time of the request, my account has a zero balance, and had not been used for close to two months. Subsequently, I received a letter dated XXXX XXXX, 2016 acknowledging my request. It stated that the account in question has been closed. What followed is the reason for my complain, because it stated that it will refund any credit balance within 90 days! 
It took them a day to close my account, they knew then and there that I owed them nothing, there were no pending charges. My question is why does Citibank confiscate my money, use it without compensating me for it. Why does it take more than a few days to return a deposit? Why are institutions such Citibank allowed to extort people 's money? It certainly would n't take that company that amount of time to take me to court, or at least have collection agencies hounding me, or better yet, report my account to all credit bureaus in order to wreck my credit. 
I contacted the company on XXXX XXXX, 2016, 15 days after, and I was told that I had to to wait XXXX to six weeks from that date. The agent confirmed that he had no idea when the refund will be sent, so did his supervisor. 
It is clear that in the absence of regulation on the matter, each institution goes about its own way to swindle the consumers.

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 2019-08-05
Company: AutoMoney, Inc.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I went to XXXX  and my job wouldnt let me come back after I got out of XXXX and I was put on XXXX XXXX which made it kind a hard to go find a job so before I was able to get a job my truck was repossessed for not making a payment they still have my vehicle and if they would let me get my vehicle back I can get a job to be able to make their payments but I cant make payments on something When I do not have a job and I can not get a job because I do not have a vehicle to go find a job because my truck was repossessed if I could just get my truck back I could start by making payments I have a job I just have no way there

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 2023-12-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My information with Equifax has been breached I have attached the proof. Here is the written proof XXXX XXXX XXXX date opened was in XXXX There has been 6 hard inquires and I have not brought a car or house. I lived in georgia for 5 years the collection account does not belong to me from New Jersey. They refuse to delete this collection account. There are names XXXX XXXX dont know who that is. Please delete all negative remarks, inquiries, collections, addresses that are from XXXX XXXX and that are not XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXmmediately as I was a victim of this data breach and several others.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14
Company: EQUIFAX, INC.
State: NC
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:
On my equifax report there is a bunch of hard pulls that were fraud and never made or authorized by me that I need removed off my credit profile. i have been trying for the past few months with very little help so i'm hoping you guys can help me out. All of the following i never authorized XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and anything else to do with XXXX XXXX XXXX I never applied for or gave anyone authorization. There is so many dates if you look at my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have never been late with XXXX XXXX XXXX XXXX. Investigation results adjusted a 60 day late error to a 30 day late error.

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 2021-04-15
Company: The CMI Group, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
It was unfair the way this debt collection was carried out by XXXX and their collector company. First of all, I was enrolled in auto pay for my internet service with XXXX. That means that I did ALL my payments ON TIME while using their service. I kindly called XXXX and let them know in advance that I would no longer need their service because Id be moving out of state where, unfortunately, they dont have service coverage. They couldve charged that amount to the credit card that I had on file with them and/or could have send me an email or call me to remind me about that bill that I wouldve taken care of immediately as I did with all my previous payments. I tried to find out what had happened and called XXXX directly as soon as I received the alert on my credit report. They told me they couldnt remove that bill from the agency, even though I called the same day I received the alert and when they knew of my good payment history. They told me they didnt have my account details, nor my credit card information. So I went ahead, called the agency and paid the amount right away. I was told the report would be removed from my credit score in 3 months if I could pay the amount that day, which was always my intention since Im VERY responsible with my payments. To make it more upsetting, Ive been getting monthly bills -without outstanding balance- from XXXX  in the mail after I paid that amount to Credit Management , LP. Why would they then have my information after this but not one or two months after cancelling their service? They shouldve attempted to call or send me an email ; but they never did. Now Im left with a terrible credit score for their incompetence when Ive been paying all my bills, and this was all for the ridiculous amount of {$140.00}. They can and should do better to make their costumer feel valuable.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief