BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-19
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
The supervisor I just spoke with today XX/XX/2023 about XXXX est was extremely rude offering to waive only one fee when the issue was for XXXX and XXXX. He was speaking so fast in a foreign language and speaking over me as I spoke. He then refused to waive any fees all because I told him I couldn't understand what he was saying especially being that he was speaking over me as I spoke. I absolutely hate that I even have to speak with you at all but someone really should do a better job at hiring and coaching these people. You all already owe me over {$200.00} that I've not gotten resolved and now I'm not receiving my invoices and incurring late fees.

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 2021-02-04
Company: Kansas Counselors, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Kansas Counselors and XXXX XXXX are attempting to collect a debt that is not mine. The debt is for my son. They have reported it to the credit bureau and it is affecting me negatively. I have a court order in place since XXXX that states that My childs father is responsible for all medical debt and to provide medical insurance for him. I have reached out to both companies on numerous occasions to resolve this issue. I sent them copies of the court purser signed by the judge stating that XXXX is responsible and they refuse to take this off my credit report. They told me that the court order is irrelevant and I am responsible since it is my sons bill. The date on this collection account is XX/XX/XXXX for the amount of {$270.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
Company: Experian Information Solutions Inc.
State: TX
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 a report open that was responded to in my Experian portal part of my dispute was complete but they have yet to remove an inquiry that I do not recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no account related to this company nor did I request any information from them or give them consent to view 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 2023-03-10
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I bank with Wells Fargo Bank, and they have implemented a new system where I get my paycheck two days earlier. I had my check deposited on Wednesday of this week then I look at my account today and the deposit is missing and my account is in the negative. They couldnt help me or give me a time frame on when this will be resolved.

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 2022-09-13
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received a copy of my credit report and noticed some Hard Inquiries that I don't recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXL XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To the three ( 3 ) major credit reporting agencies, please remove these accounts from my credit report, I have no relations to the following accounts, no contract, nor any knowledge of these accounts whatsoever. I'm demanding that they either be removed or verified by certified physical documentation. XXXX XXXX XXXX {$3600.00}, XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX {$470.00}, please delete the above accounts from my 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 2019-04-15
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt was reported and deleted from my credit file as unverified and according to law can't be charged twice I am asking this be removed and not put back on my credit file. It is known for harrassment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: LEXISNEXIS
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: Old information reappears or never goes away

Complaint:
I placed a previous complaint no. XXXX. 

A company called XXXX XXXX ( aka XXXX XXXX, among many other names they go by ) gave an online loan to an individual who had stolen my personal information. XXXX XXXX failed to verify identity, and failed to verify the name on the bank account in which they deposited the funds. Although XXXX XXXX finally stopped harassing me to pay the loan, they failed to get the fraudulent information corrected on at least one credit report. 

Although I contacted the 3 major credit bureaus, I was not aware that XXXX XXXX also placed an inquiry with LexisNexus ( using the name " XXXX XXXX ''. ) XXXX XXXX has been extremely uncooperative and has refused to tell me of any other credit bureaus they may have used. 

I want XXXX XXXX to remove the fake inquiry from my LexisNexus report, and I want XXXX XXXX to be required to inform me of any other credit bureau to which they have given my information. I have contacted LexisNexus, but without a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
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 has reported on my credit file due to identity theft and absolutely no knowledge of mines therefore I'm asking them to be removed immediately in concert with the laws of the FCRA. I'm demanding these accounts be blocked, XXXX XXXX XXXX {$78.00}, XXXX XXXX {$720.00}, XXXX XXXX XXXX {$300.00}, and XXXX XXXX XXXX {$91.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
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:
Notice for Proof of Claim Account : ARS ACCOUNT RESOLUTION Service # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

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 2021-09-14
Company: AES/PHEAA
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:
" I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is no third party involved '' Violation of the United States Code Law 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and not other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report.

As a consumer these accounts on this letter must be deleted immediately 1.Under 15 U.S Code 1681 b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report anything on my consumer report with no consent is identity theft.

FEDLOAN Account Number : # XXXX As a Consumer by law this account must be deleted 2. 15 U.S. Code 1692 ( a ) - Consumers right to privacy The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.

For this reason, You violated the United States Code Law 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and not other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report.

.

1.Under 15 U.S Code 1681 b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report anything on my consumer report with no consent is identity theft.

FEDLOAN Account Number : # XXXX As a Consumer by law this account must be deleted 2. 15 U.S. Code 1692 ( a ) - Consumers right to privacy The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.

For this reason, a deletion of the above account is necessary being that a consumer report is in fact a medium. You are violating United States code law ; reporting any information is indirect communication.

is necessary being that a consumer report is in fact a medium. You are violating United States code law ; reporting any information is indirect communication. 

Notice, it is a fact, that, I, agent for principal XXXX XXXX and affiant, has reason to believe and do so believes, am a victim aggravated identity theft under Title 18 U.S.Code 1028A on four separate occasions as Department of Education, XXXX, XXXX, XXXX, and XXXX has knowingly used without lawful authority, a means of my identification in order to compromise my financial reputation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
Company: Experian Information Solutions 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 status incorrect

Complaint:
On XX/XX/2022 I was in the process of correcting my credit report blemishes by paying off past debts I owed to improve my overall credit rating for the future. I contacted XXXX XXXX and was informed that I was in collections for a past due amount of {$680.00} which I paid in full as shown in attachment. On my credit report they are listed as an open account s and debt was settled for lesser amount which is completely false and has an impact on my overall score. This is in violation to my rights under the fair credit reporting act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-30
Company: Experian Information Solutions Inc.
State: CA
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:
The reason for my filing of this complaint is that this company is not abiding by the law. I have sent a number of disputes to them in regards to Identity theft. I even attached all the evidence to prove my case as my FTC report, My police report, etc. 

But until now, this company is still reporting this fraudulent account. I am prepared to File a lawsuit against them if they continue to report this fraudulent account. For yet another time. This account is fraudulent and I want it removed from my report : XXXX XXXX XXXX XXXX, Account # XXXX, Balance {$1200.00}, Date Opened XX/XX/2018 I am attaching herewith my previous dispute, my small claims form, my FTC report and my Police report which I sent to this company earlier.

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 2023-11-19
Company: Chime Financial Inc
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chime closed my account after I received a deposit from my son for his rent in the amount of XXXX. I would like this money back and it has been months since this money was sent. I have tried to negotiate this money back with Chime but they have given me the run around about my account apparently being closed. Could the CFPB help me in any way with retrieving my funds. I appreciate your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: Grain Technology, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX I was unable to login, view my balance, make a payment, or view statements. When attempting to login I was asked to verify my identity by uploading a photo of myself, social security card, and drivers license. The app would not allow me to take the phone making it impossible to verify even though I had all the necessary documentation. I have had a line of credit for 7 months with this company all the while they have been reporting to all three credit bureaus. 
On XX/XX/XXXX I attempted to call the company 11 times to speak to a customer service representative. Those 11 times resulted in a message stating no representatives were able to take my call. Again on XX/XX/XXXX, I sent 3 email messages and received an auto response stating I would receive a response within 2 business days. Today is XX/XX/XXXX and I have still not received a response. 
I am livid at this behavior. I have been a consisted user of this card and to be left with no response to a serious issue is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX, Ohio. I used Capital One Auto Finance preapproval for the vehicle loan, and the process was very simple. 

Because the process was very simple and easy to use, I decided to pursue a joint auto loan with Capital One Auto Finance with my son to help him get a newer vehicle and help his credit. 

On XX/XX/XXXX, we applied for a new preapproval with Capital One. We were preapproved with a {$60000.00} purchase option. We had to submit address verification for my son XXXX. We submitted the address documents, and the loan was fully approved by underwriting per Capital One agent. We would just need to go to the dealership and select the vehicle. 

I was advised to purchase it as soon as possible as the XX/XX/XXXX vehicle purchase could show up on my credit report causing a change in the interest rate. No one said a word about only one loan per 30 days. 

On XX/XX/XXXX, XXXX and I went to XXXX XXXX in XXXX, Ohio, which is over a two hour drive. Upon negotiating with the dealer, we went ahead with our loan application to finalize the approval and secure the loan. Upon submission, the dealership was told Capital One denied the loan because there was another loan funded within 30 days, and we were not allowed to apply for another loan from them. 

Since we made the application at the dealership, Capital One made a hard pull from XXXX and I 's XXXX, XXXX, and XXXX XXXX credit report. There is no reason for me being denied a loan, as I called XXXX XXXX XXXX XXXX and had an instant approval. Per the dealership, my credit score was XXXX and my son 's was XXXX. 

I have 3 % revolving debt with {$90000.00} available credit. I make well over {$100000.00} annually, and the only other debt I have is student loans. I have plenty of credit with no late payments on any account. We recently sold our house, which is why I do not have a mortgage any longer. 

There was no reason for Capital One Auto Finance to deny my credit. I have impeccable credit, and I have not been denied a loan, credit card, etc. in the last 10 years at least.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Self Financial Inc.
State: TX
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 an account that is not in FCRA COMPLIANCE. They are not reporting accurate information to the credit bureaus. I have disputed it and it has came back that it is following the fair credit act. But in fact XXXX is not reporting accurately at all XXXX has it as a closed account, XXXX as an open account and XXXX as a charge off. The current balances are different on all XXXX reports. XXXX has XXXX, XXXX has XXXX but XXXX has XXXX. The original balance is the exact same way. XXXX and XXXX have that I am 120 days late in the status but XXXX has collection/charge off. Not one of the date opened are the same date nor is the reported date. Charge offs should not have late payments attached to them because they are late by default. This is far from accurate information that this company has posted on my report. It violates the FCRA compliance to have 100 % accurate information and only XXXX reported to my report. This has affected me from getting loans, homes and I need it to be removed from my report. So they can stop violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: M&T BANK CORPORATION
State: NY
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:
Between the dates of XX/XX/XXXX-XX/XX/XXXX someone used my business debit card to purchase $ XXXX {$7000.00} worth of high cost items. 38 charges for random products such as shoes, batteries, child face shields, dog boots and more. My account was taken down to only {$900.00} left in the account. I only realize what was going on when I started receiving these packages. Not once did the bank call me or freeze the account. They just watched someone continue to run charge after charge all day long mainly on XX/XX/21. Charges were not small items. Charges were XXXX, XXXX and more. I want this incompetence looked into. I am just a small middle class mom of 2 trying to run my own candle business. Im appalled at the lack of action of M & T bank. It took me months to grow the amount in that account by working 16 hours a day for the pay several months, just to have someone drain it in 48 hrs. I have contacted the police and filed a police report and I have also contacted the FBI. Whoever did this is having all of these packages ( 38 of them ) delivered to my home. It has been advised to watch my home as we are not sure if someone is watching my house to collect these packages if they can. I cant even begin to explain the emotional stress this has caused let alone the bank is only giving me back at this time 13 of the 38 charges. I am looking into further legal action against this bank as well.

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