BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-09
Company: 2288984 Ontario Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX XXXX XXXX I open loan ( i.e. ) line of credit? they change specification during dispute regarding this action.? for the sum of {$900.00} for twelve months period. 
First payment for the sum of {$100.00} was made on XX/XX/2023, was surprised when the balance due was still {$920.00} principal? get my attention to this result? 
Contact Money Key customer services and get some confusing responses was not really understanding. Become suspicious about this company i decided to pay off this loan quick a could the loan was paid off for a total payment on XX/XX/2023, total amount paid {$1000.00}. and decided to close this account! was denied as apparently the balance overdue was {$250.00}. despite paid off after ninety days full amount of this loan?? 
contact customers services by phone! was explain this was not a loan but line of credit.?? This was completely misleading their facts sheets in their Financial Implications form regarding interest & Finance Charges show! for {$1000.00} 12 months total costs will {$160.00}. 
I dispute this Banking action as a scam contact XXXX business bureau regarding this abusive interest charged! will be cost multi thousands of Dollard before been able to rid of it this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Experian Information Solutions Inc.
State: GA
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 recently received a copy of my consumer reports from Experian, XXXX, and XXXX. I noticed that one or more is reporting my customer experiences.

Some of my lines of credit are characterized as ( utilization ) on my consumer reports and are being illegally reported. How I choose to utilize my credit lines is my EXPERIENCE ( utilization ) between myself and the credit issuer.

This is in clear violation of the law pursuant 15 U.S. Code 1681a 2 ( A ) ( i ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s - 3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( CREDIT ISSUER ) making the report is NOT INCLUDED on my Consumer Report.

YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction experience ( utilization ) on my consumer reports when CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Resurgent Capital Services L.P.
State: GA
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:
The XXXX XXXX Resurgent Capital Services has unlaw placed a collection on my credit and I have no legal obligation under fair credit act law to pay them. They purchased a debit from another collection agency by the name of Frontline Asset Strategies. That had no legal obligation as well to collect on behalf of the Company by the name XXXX XXXX. 
This matter was disputed with my Attorney and the company refused to respond to my attorney letters that were sent to them twice. 

XXXX Resurgent Capital Services has not made XXXX attempt to notify me by us mail or phone to even informed me or my attorney on their attempts to try and collect on this debt. They just purchased the debt as third party and placed on XXXX of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Today I noticed an unauthorized charge of approximately {$780.00} charge on my credit card that was from XXXX of XXXX and posted to my account in the XX/XX/XXXX statement. 

I called and filed a fraud/unauthorized charge with credit card fraud department. While speaking to the representative, she indicated that this charge was placed on a card that was closed and reported lost/stolen in XXXX. The number used to make the charge was from a closed card from two year ago. 

I asked why they would allow such a charge. She indicated because the merchant demanded payment. Bank of America went ahead and added the charge to my new credit card account. This was her justification. 

Worse, Bank of America did not flag this as possible fraud and I was never notified till I saw my billing statement and my monthly payment almost doubled. 

This does not make sense, I am the customer not that merchant. Why would Bank of America allow a charge because a merchant demanded payment on a current charge from a closed account from two year ago? 

The represetnative said it would take two days to remove this from my account but that the issue would still need to be investigated. I don't care if it needs to be investiaged on their end. It was their error, and their issue it should not affect me. 



This is incompetence and intentional deceitful by Bank of America. On top of that to make me feel better the representative told me that I was not the only account holder with a similar scenario. 



I demand that aside from removing the charge from my account and my credit report that I be monetarily compensated.

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 2021-03-02
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo is violating their settlement with the CFPB, using fees, bureaucracy, and delays to avoid meeting their commitments. 

On XX/XX/21 I received a remediation check in my deceased mother 's name, sent to my address. The check was to remediate {$30.00} in excessive fees and {$4.00} interest from an account that she opened about 10 years ago, however she passed away 5 years ago. I called the bank to see if the check could be reissued in my name - the administrator of her estate. I was instead advised to attempt to deposit the check. However when I attempted to deposit the check, I was warned that it would likely be denied and that I would be assessed a fee of {$35.00} for attempting to do so - for a check in the amount of {$34.00}.

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 2023-08-08
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was charged XXXX dollars from my checking acount for a transaction i didnt authorize because the vendor cancel the service. So i was not supposed to be charge anuthing at all. I try to fix this issue with my bank and i send them a recive that prove the transaction was cancel and also i send them a prove that the vendor send me a medage apologizing for the cabcelation of the transaction

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-08
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was completed by wage garnishment in XX/XX/2023. Agency put a Levy on my bank account XX/XX/2023 for the paid debt, causing me great financial hardship for my monthly bills that are Electronically withdrawn. 
I contacted the Agency and they blamed the error on the Sheriff 's Office. To date I have not received my money.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: NV
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 submitted this complaint to update these suspicious information. Credit Bureau must validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-02
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX submitted an online request for hardship with PHH Home Mortgage Services. 
XX/XX/XXXX rec 'd agreement stating the terms of temporary hardship Agreement stated an effective date of XXXX XX/XX/XXXX and three ( 3 ) payments will be deferred. Which should be XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However next payment would be due on XX/XX/XXXX in the amount of {$5200.00}. 

Based on the above and the matter in which the document was prepared this does not constitute three ( 3 ) payments deferred. This is deceptive and bad business practice. Call and spoke with the following on XXXX XX/XX/XXXX at XXXX. 

XXXX - Agent ID XXXX transferred to XXXX customer resolution and spoke with : XXXX - Agent ID - XXXX XXXX - Agent ID - XXXX XXXX - Agent ID - XXXX Escalation Mgr XXXX - Agent ID XXXX All of which demonstrated a no challenge attitude and extremely poor customer service. None of which understood my concern, continually stated that there was no error, and that they were unable to make any updates. Furthermore, total payment in the amount of {$5200.00} due XXXX XX/XX/XXXX and if unable to make the full payment the investor has the option to decline any payments less than total amount due and could begin foreclosure. 

I requested that this agreement be cancelled. I was then informed that if I cancelled this agreement and resubmitted it would not be approved. In addition, it will take one to two weeks to cancel and I needed to wait before resubmitting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-20
Company: EQUIFAX, INC.
State: NY
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 have been writing letters trying to remove the late history and my hard inquiry and as I was going over 15 usc 1681 that it is illegal to report it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
Pretty there is someone out there using capital 1 to scam people that have applied for personal loans. I got a text that started like this. 

Dear customer We are happy to inform you that CapitalOne has approved your loan. 

Loan Approval ID - XXXX Loan upto {$8000.00} Period upto 48 months If youre still looking for loan so reply YES or CALL on ( XXXX ) XXXX Thanks & Regards, XXXX XXXX Loan Manager. 


They would proceed to send 900 to my bank. Then asked for it back in target gift card to confirm my bank. Then I sent them the gift cards and 2 days later the amount that went into my bank bounced. They would proceed to apologize and say that was in error by accounting. Deposit a larger amount and ask me to send them the difference. I knew something was up then and had my bank stop all transactions and they are looking into it. This is the persons phone # ( XXXX ) XXXX and they will pose as a loan person from capital one every time they pick up. I asked for a contact manager and they said it was XXXX XXXX phone # ( XXXX ) XXXX. XXXX in accounting department in finance. Email is XXXX. I called that number and that person picks up stating they are a capital one manager. Please investigate this or if there have been other reports like this and let me know. If you need my bank to get copies of the payment that went in or the target gift card details I would be more than happy to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Experian Information Solutions Inc.
State: GA
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:
Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reportsXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX & XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX  XXXX, XXXX My name is XXXX XXXX XXXX My phone number is 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 2023-11-05
Company: Consumer Portfolio Services, Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
The last communication I received from consumer portfolio services was XX/XX/XXXX. I have not received any other communication by mail and this company wrote off this loan as a profit and loss and bad debt right off for the year XXXX. They did this XX/XX/XXXX. At the end of XX/XX/XXXX I had a tow truck company called XXXX XXXX out of XXXX XXXX following me around all night and claimed that they were repossessed in my car. They would not confirm the name of the creditor I can only assume that it is still consumer portfolio services that I have not heard from them for a year and a half now. XXXX XXXX sent to men to follow me around and when I pulled up in front of my house they asked me if I lived there. They then said they were possessing my car and when I asked them who ordered the repossession they said they didn't have to tell me and that they were going to call the police to help them. And then cut into my car and drove to the police station where these two individuals blocked me in the parking lot once I arrived at the XXXX police station. The XXXX police department came out and told them to leave and then if I saw this tow truck following me again that night no matter what town I was in I was to call them. The following night my car was gone. I am unable to get through to consumer fXXXX XXXX and get an actual person on the phone and through their automated system the last payment was due XX/XX/XXXX. Again the last communication I received by mail was XX/XX/XXXX. XXXX XXXX does not answer their phone I've left so many voicemails in the last two days since it was Thursday but the car was taken all three extensions on their line are full of my voicemails I still have not heard back from them. I have not been able to get to my car to get any of my things out of it and they force you to go through a website and make an appointment. They've had my car for four days now and I have been able to get anywhere near it. I file a complaint against consumer portfolio because I can only assume that is who ordered the repossession of this car without notice. XXXX XXXX used illegal means to try to take the car and the witnesses to that or the XXXX police department. I filed a complaint with the attorney generals office and they are advising that I contact the XXXX XXXX Police Department before I try to collect my car but I don't have any means to get there. I called the XXXX XXXX police department and explain the situation to them and they advise me to ask them to accompany me on Monday to XXXX XXXX all I can say is thank God that I chose to go to the women 's police department that night when they followed me because it was two guys refusing to show any evidence on who ordered the repossession and they both got out of the truck and approached me. And I pulled into any other parking lot other than the XXXX police department what would've happened?????????

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: IL
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: 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. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-09-14
Company: EQUIFAX, INC.
State: LA
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:
If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX Balance : {$930.00} XXXX XXXXXXXX Balance XXXX {$2000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: ENCORE CAPITAL GROUP INC.
State: TX
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:
I reported this company XXXX XXXXXXXX on my identity theft report quite some time ago as this was an account that did not belong to me. The charges were removed from my credit report, now suddenly Midland credit management is attempting to collect on this XXXX XXXXXXXX account that was reported as a fraudulent account so it seems as though credit one has sold this account to someone else in an attempt to collect a debt that doesnt belong to me, this is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: TX
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:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX Date Opened : XXXX/XXXX/XXXX  Balance : {$71.00} or XXXX XXXX XXXX Date Opened : XX/XX/XXXX  Balance : {$180.00}.

Company response to consumer: Closed with explanation