BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-23
Company: Strategic Alliances, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2018 I began receiving letters from this company claiming they were collecting a debt for XXXX XXXX. They advised that XXXX sent them paperwork stating a balance was on my account due to XXXX employees falsely reporting a rental car stolen that I rented & failing to close the pre-authorization to collect the balance before falsely reporting the car stolen. XXXX XXXX XXXX XXXX collected approximately XXXX $ via phone & stated it satisfied the debt & they would send the debt verification documentation to me. The company never verified they have authority to collect the debt, sent any debt verification documentation or informed me of a right to dispute before I began demanding documentation in XX/XX/2018 because XXXX claimed they still had a XXXX $ balance despite XXXX XXXX XXXX XXXX stating they collected that debt ( plus hundreds of dollars in excess ). XXXX finally sent a record of the balance owed & it shows that XXXX XXXX XXXX XXXX collected hundreds of dollars more than XXXX alleges is owed. When called to find out what XXXX XXXX XXXX XXXX was doing, the call center reps began to act as complete fraudsters or scam artists by completely fabricating details, threatening to tell the court 's false information/alleging the criminal court 's had contacted them with false court dates/court information in order to intimidate me into paying more money. It should be noted, that XXXX employees fabricated statements to law enforcement in VA & MN in order to frame me for felony arrests by alleging I stole a rental car after the VA employees intentionally falsified information in the corporate database to have me maliciously prosecuted due to negative relationships between the employees & myself. That false report of a crime lead to XXXX XXXX XXXX XXXX contacting me alleging they were collecting the balance the employees intentionally left on the account to frame me for a crime. XXXX XXXX XXXX XXXX rep, XXXX XXXX, stated during the payment processing that the paperwork she has seen/conversations had w/XXXX ( allegedly/possibly, the parent company of XXXX XXXX XXXX XXXX ) shows the employees stole the car & framed me. I agreed to pay the balance of the contract in good faith after learning that the employees at XXXX had intentionally failed to collect payment in order to frame me for a crime. 
XXXX XXXX XXXX XXXX has called repeatedly, in a harassing format, demanding payments yet has refused to provide requested documentation of debt, authority to collect debt etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am a XXXX veteran I receive my VA XXXX check there, Social security check there and payroll check. Often times I am in an out of the hospital due to my XXXX and I have a care person that takes care of my banking needs. Just recently I have discovered my account has been abused and is in the process of being closed which will put me in a worse condition financially and put me at risk of not being able to pay bills. I would like for the bank to reconsider the closing of my account and unlock it so that my direct deposits may hit and if I have to I will close my own account but this is an inconvenience to someone who served this country. Wellsfargo bank should be ashamed

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 2023-03-24
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment on the account XX/XX/22. Barclays put a 8 day hold on the payment and refuse to remove it. It was applied without notice. They are tying up {$800.00} of my money I can not use.

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 2023-06-13
Company: EQUIFAX, INC.
State: PA
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'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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
AES has consistently misapplied interest payments on private student loan to previously serviced, but consolidated federal student loans. They paid XXXX XXXX {$9.00} on an account that was already consolidated ( two payments on two previous loans ), and refused the refund, and instead assessed a balance on my private student loan. I have full documentation of every on-time full payment made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25
Company: Business Revenue Systems, Inc.
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/2022 and account number is XXXX. I was patient last XX/XX/2022. 

I already have two health insurance and found out that XXXX XXXX XXXX XXXX forgot to add my health insurance : the health plan insurance including XXXX XXXX 

XXXX XXXX XXXX XXXX informed me not to pay debt owing and fixed it up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: Rocket Mortgage, LLC
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I logged into Quicken Mortgage portal to make my XXXX Mortgage payment, the website and app are requiring a new mortgage application be submitted. There is no option to skip this in the process. Part of the forced mortgage application is asking for personal financial information and having credit re-pulled. I am not interested in a new mortgage, I just want to pay my existing mortgage. When we got our last mortgage, if we were to complete the application process, our rate would increase thus hurting us financial. When I reached out out to Quicken tonight ( XXXX XXXX ) through their online chat, the response was, we have a new system and please call in. Since it is after business hours, there is no one to respond to. This process is wrong and there is no resolution by the company. I am trying to make a payment by the allowed methods through quicken and they are trying to force a mortgage app. This is not ethical and I question the legality.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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:
On   XXXX   XXXX   XXXX     I was to go to  XXXX , Florida and purchase a car that my son had found me at the dealership he was currently working at. The company is   XXXX   XXXX   XXXX   XXXX   XXXX  . I was on my way from  XXXX ,  MS to  purchase a vehicle when my son advised he was not getting commission on the vehicle that I was purchasing. He said I could still come purchase it and he would stay through the sale however, he was leaving the company after that. I still had planned on going and he called back and advised that the dealership advised they did n't want my business and  XXXX  could pack his desk and leave. My son  XXXX  then called me and told me to turn around they did not want my business and I asked to speak to  XXXX  the finance person and he refused to speak with me. I have a witness in my car hearing the conversation. I then called back and wanted to make sure they had nothing on my credit.   I then come home and checked and sure enough on   XXXX   XXXX   XXXX     they checked my credit without my consent or signature. There are several hard inquiries on there now from   XXXX   XXXX   XXXX    . I then contacted the    XXXX   XXXX   XXXX    after they did n't want to speak with me on the phone, and no one returned my call.      XXXX   had tried two atte mpts to resolve the issue, they did n't respond and I received an email on   XXXX   XXXX   XXXX   advising no response and this negative information will be reported fo r three  years for  XXXX   XXXX   XXXX   XXXX   XXXX  of  XXXX , Florida.   I just purchased a car at the current company my son is a salesman at and seen there is still the ones from   XXXX   XXXX   XXXX    .       THIS IS THE EMAIL THEY SENT ME : COULD N'T UPLOAD ... ....      XXXX  Logo   XXXX   XXXX   XXXX      XXXX   XXXX   Re :  Complaint #  XXXX  -  XXXX   XXXX   XXXX   XXXX   XXXX  In the absence of any response from the company to this complaint despite ou r two re quests to them, we are closing our file on this complaint.     This unanswered complaint will become part of the information we report to the public on this company for the nex t three year s. Should any government agency request our files on this company, your complaint will be included.     If you have settled this complaint directly with the company, would you please let us know that, as well as any other comments you might have. Your help in doing this is important to ensure that our report to the public on this company is accurate.     Thank you for using  XXXX   XXXX   XXXX .        XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Atlanticus Services Corporation
State: FL
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:
Fortiva credit cards charges large upfront and then monthly fees ( typically {$99.00} to open a {$500.00} credit limit card, then {$12.00} per month XXXX. They offer a website on which to manage a customer 's account. That website displays the customer 's available credit, which is frequently UNTRUE. They will close the account on the 90th day of no purchase activity ( which presumably is buried deep in the fine print of their customer agreement but still display the full available credit amount, presumably to mislead the customer into paying more fees. When the customer tries to use the card for an amount much smaller than the available credit displaying on the website, it is declined for ANY amount. They then blame this on " unexpected computer errors. '' CFPB should not permit credit card companies like Fortiva to continually treat customers this way and hide behind " computer errors. '' Employees of Fortiva ( or their third party partners XXXX program this software and it is entirely within their control to fix it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA
Product: Credit reporting 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:
These inquires have been added to my credit report without my authorization Citizens one auto Fi- XX/XX/XXXX   I disputed them and they remained on my credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company has flagged my credit report with three separate collection accounts in the amounts of {$430.00}, {$280.00} and {$430.00}. After disputing these accounts on three occassions, the company has continuously updated the information for each account, changed dates, changes amounts, and has flagged them as unpaid revolving accounts. 

I have never received any notice from Commonwealth financial regarding any of these debts. I have no unpiad medical bills. And medical collections under {$500.00} are not to be reported regardlesss. 

I have not validated any alleged debt with Commonwealth Financial Systems, Incorporated and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. 

I have not received any documentary evidence, such as a trilateral contract, giving Commonwealth Financial Systems, Incorporated any right to collect on this alleged debt in violation of 15 USC 1692g.

I have never received any documentation making me aware of this debt or requesting validation from Commonwealth Financial Systems, Incorporated, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d which the FTC defines as debt parking.

If Commonwealth Financial Systems, Incorporated, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Commonwealth Financial Systems, Incorporated, can provide me with sufficient documentary evidence that I have any legal obligation to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$470.00}, XXXX XXXX XXXX Balance : {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
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:
XXXX or Experian totally XXXX up 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 non-monetary relief
Consumer complaint received 2023-05-01
Company: NAVY FEDERAL CREDIT UNION
State: VA
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, this creditor has violated my rights. Under 15 USC 1681 Section 602, I have the right to privacy, and under 15 USC 1681 Section 604 A Section 2, It also states that consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card account under as open-end consumer credit plan as " late '' for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Source Receivables Management LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I receive a free XXXX  phone. when I changed companies they told me that the phone is not free anymore because I changed companies. the reason I changed companies is because my bill was getting to expensive. They said I couldn't return the phone but I never got anymore information. I thought this was cleared up. now I am receiving this big bill amount. I am on Social Security so if you work with me on payments I could try to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
A company called XXXX is reporting an account, XXXX, on behalf of XXXX XXXX XXXX XXXX on my transunion credit report. 
This account is NOT mine and is being reported fraudulently and unlawfully. 
I am a victim of identity theft with this account.

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 2023-05-01
Company: OneMain Finance Corporation
State: VA
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, this creditor has violated my rights. Under 15 USC 1681 Section 602, I have the right to privacy, and under 15 USC 1681 Section 604 A Section 2, It also states that consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card account under as open-end consumer credit plan as " late '' for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07
Company: FIRST HAWAIIAN, 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: Can't stop withdrawals from your account

Complaint:
First Hawaiian   XXXX  began taking {$10.00} per month from my " Totally Free Checking '' without my knowledge and consent in  XXXX    XXXX   and has done so for the past six months - I had no prior warning or knowledge nor did I give them my consent to charge my account. They called the change an " Inactive Account  Fee  '' but it shows up on-line as a service fee. In either case it was a fee for doing absolutely nothing and serves no purpose except to steal money from the accounts of those who trust the bank is protecting their money. I can leave money in my safe at home for free with no " inactivity fee '' so why would I agree to put it in a bank and be charged. I had no prior knowledge  First Hawaiian    XXXX    would act like  XXXX   XXXX  and charge money or change your account without any knowledge of the account holder. I guess they learned from  XXXX   XXXX  that stealing money from consumers is very profitable. I have asked them to return the money taken from my account without my knowledge or consent and they have refused. These thieves are just like  XXXX   XXXX  - charging fees to accounts called " totally  Free '' without authorization or the knowledge of the customers. I plan to close the account and never do any business with these thieves again. When is the US  Government going to do something about these dishonest banks?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation