BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
Ive been trying to dispute this account on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX Balance : {$160000.00}

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 non-monetary relief
Consumer complaint received 2023-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit 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:
I lost my wallet which included my credit card. Someone charged {$300.00} on the card, and I filed a dispute with Bank of America. They denied the dispute a few days later stating I used my pin for the card and signed for the purchase, which makes me liable. First off, my credit card has no pin so that's already false, secondly when I asked for copies of my signature that they claimed was used, they refused to provide it. I did not make this charge and they are making up false information against me.

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 2023-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the need of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information, which directly conflicts Congressional purposes and reasonable procedures. Prove that I received the delivery of goods ; come to my home and search for the goods they say I received possessions of goods of, or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681c-2 ( c ) ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received delivery of goods, services, and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft, these accounts must be removed and blocked. Additionally, I provided a locally filed police report in XX/XX/2022, and the accounts are still reporting.

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 2023-12-22
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Credit card was applied for and filled about by store employee I was never given any information about Credit account - no interest rate, payment schedule or type of credit card. 
Lowes home improvement centers issued me a Commercial Contractors Credut Card. 
I am a XXXX single homeowner living on XXXX. .. this acct calls for full repayment of goods purchased each month Not your usual method at over time credit card. 
I can not afford these fees or harassing phone calls I feel my rights have been violated for I would have NEVER. Agreed to sign up for a card like this. 
Lowes I found out has five different types of credit cards- I was NEVER given a choice, I was sold a 5 % savings if I got a credit card. 
I was not told anything else about this credit card. 
The have been trying to fix it with lowes and synchrony bank for four months with no help

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 2023-12-26
Company: Ability Recovery Services, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern : I dispute your claim and request validation according to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). Provide a breakdown of fees, including how you calculated what you claim I owe. Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. Cease any credit bureau reporting until the debt has been validated by me asrequired under the FCRA. Send me proof that you are licensed to collect debt in my state. Send this information to my email address below and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. I will await your reply with the above-requested proof. Upon receiving it, I will respond. My email address is XXXX. Sincerely, 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 2023-12-28
Company: ProCollect, Inc.
State: TX
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:
Pro collect is reporting an alleged debt for {$7700.00} on my report. 
I sent a letter asking where the debt came from, a validation verification, and also a contract between me and Pro Collect allowing business and also allowing them to report anything on my report. 
Along with this I sent my ID and social security card for the validation verification. 

The lease that was provided had many discrepancies and inaccurate information that does not belong to me. ( 1 ) The Social is blank preventing me from verifying the social matches mine ( 2 ) The name listed is inconsistent throughout the contract ( 3 ) The rent charge is inconsistent with the rent charge listed on the break down. ( 4 ) The lease goes from XX/XX/XXXXXXXX  to XX/XX/XXXXXXXX  but then the breakdown shows a lease termination fee on XXXX XXXX. How can you have a lease termination fee if a lease ends XXXX months prior? ( 5 ) The lease provided shows the lease termination fee is {$1200.00} but on the breakdown it shows a lease termination fee of {$4300.00} I have yet to receive a proper description of the validation verification ( considering my name and social is blank, how was this info verified? ) I also have not received a contract between XXXX XXXX and PRO COLLECT

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 2022-12-27
Company: EQUIFAX, 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:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: Global Credit & Collection Corporation
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The debt collector called my personal cell phone and I explained I didn't have the money to pay. I then blocked them so they started calling my place of employment. This requires them to connect through a receptionist who is now informed of my debt. After calling my employer numerous times ( around once/twice a week over last couple months ) I called them back ( 3 ) times and asked them to remove the number from their calling list. The gentleman answering the call continued to talk over me and tell me they will stop when I give them their money. The most recent call received was today XX/XX/2020 at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: MD
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 recently disputed negative items on my credit file and I have not received a response back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: PatientFi, LLC
State: IL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to report an unwanted loan taken out of my name to all three credit bureau 's. there was a loan from the name of Patientfi that wasn't me.i never opened this account and would like to make a complaint because my credit dropped but I never authorized this loan nor I even opened the account. I tried calling the loan number but that's a scam number so it doesn't make sense. the amount is for XXXX and original balance is for XXXX with account number XXXX date open was XXXX XXXX and its a installment loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Scratch Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I applied for a PPP loan thru XXXX XXXX XXXX like three years ago when covid was new. Scratch, and XXXXXXXX XXXX approved my loan, but sent it to some random persons bank account. XXXX  and Scratch do not and have never had a system in place to account for mistakes, or even to help their own customers. Ive been calling for three years trying to reach them and tell them what theyre doing, via telephone and email and they most I can get out of them ( if their customer service line even answers your phone call at all ) is " oh we'll pass your issue up to someone and they'll reach out to you ''. Three years later and after hundreds of attempts to reach out and get help from XXXX, scratch, the sba, all they'll say is " we'll have someone reach out to you '' and I never hear from anyone again. Now they're sending me emails saying I owe them XXXX for a loan I was never issued. THREE YEARS. XXXXXXXX XXXX needs to be shut down. it is a scam service that will take your money and give you no avenues of reprisal. even their website where it has a button to say " does this loan information look correct? '' if you click on it it says to call their toll free number that is not in service XXXX. please help get this trash company away from me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: REGIONS FINANCIAL CORPORATION
State: NE
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
We recieved a statement from a credit card company on XX/XX/2023 that had a {$680.00} LATE FEE on it. Was informed from someone overseas that the payment was recieved 3 days prior to the due date. Therefore no late fee should of been applied to the account. They informed me, after getting disconnect twice that we needed to pay this and they would credit our account next month. Each time I called back I requested to speak to a manager, finally did speak to him, which he informed me we would need to pay the total amount on the statement, once again this person was overseas. I told him I wanted a new statement without the LATE FEE on it. After he stated that again, I requested to speak to someone here in the United States, which he did transfer me to a lady who said she was in the United States, after explaining once again what happen, she informed me I would have to speak to someone else about this. Therefore she would transfer me. She transfered me to an automated system. I pressed the number for customer service, which took me to a payment line for a CREDIT card. There was no way to get back to the main menu. After hanging up, I called the service number on the statement was returned to the overseas service center. The guy that answered the phone said he couldn't transfer me back to the United States. After 1 1/2 Hours on the phone I'm very upset with this company and have gotten no where!!

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 2019-06-25
Company: CREDIT ACCEPTANCE CORPORATION
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Credit Acceptance provides users with incorrect account information on their web portal leading to additional fees and credit history damage. When pointed out they would not remove the marks on credit 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 2023-12-27
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I deposited a little upwards of {$1000.00}, in order to prepare for our mortgage payment. I know this because my husband paid me his share of or monthly mortgage, and went to the bank with me to deposit his share of the money. We were given a statement showing we deposited only {$63.00} on the XXXX of XXXX, we do not have the deposit slip, but we both definitely remember making a deposit. Our mortgage payment was returned, as if we never made the deposit. there are cameras pointing at each teller, and we even know which teller it was, but that teller was not there today, when we went in to ask. We were told they could do nothing for us, unless we had a receipt deposit. I feel that a review of the camera footage could clear this up.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I get high overdraft and maintenance

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 2023-12-27
Company: CITIBANK, N.A.
State: CA
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 have seen a credit card account which doesnt belong to me and I dont have any access to this account. It seems like it is a fraudulent account someone created under my profile.

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 2023-12-26
Company: Ability Recovery Services, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I stated several times I never received statements from this company regarding balances and ending balances that were owed. They remove and add to my credit report as if it is new debt but it is not. This debt is almost over XXXX XXXX XXXX. They never provided me with what was needed after calling them in the past. They then again placed the collections again and again on my report and continue to go back and forth as if it is new and its not.

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 2023-12-28
Company: Shellpoint Partners, LLC
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
Our home in XXXX burnt down in the XX/XX/XXXX XXXX  fire. After the fire we were paying our mortgage as well as rent on a XXXX XXXX on XXXX. To lighten our monthly financial burden, we wanted to pay off our mortgage loan. We contacted Newrez to pay off our loan and received a payoff amount of {$830000.00} with a payoff closing date of XX/XX/XXXXXXXX. My husband and I were directed to send in our funds, which were split between personal funds and insurance claim funds. We received {$410000.00} from insurance funds, of which we signed over the checks and expedited them to Newrez/Shellpoint by XX/XX/XXXX. The remaining amount which was {$410000.00} was paid from our banking account, XXXX XXXXXXXX XXXX. The wire transfer to Newrez/Shellpoint was made on XX/XX/XXXX and received by XX/XX/XXXX. We were also advised to send in a letter of intent to use our claim funds to pay off our loan. This letter was received by Newrez/Shellpoint on XX/XX/XXXX. We completed all required tasks with the correct funds by the XX/XX/XXXXXXXX  payoff closing date. However, our loan has not yet been closed and instead we have been sent several new payment amounts which have increased in amount due to daily interest. We have spent over XXXX  hours on the phone and taken 5 days off work to speak with Newrez and Shellpoint in order to remedy this issue and explain that we made our payoff date and should not be penalized by their incompetency to process our funds to close the loan. While they continue to not close our loan, our amount keeps growing as interest is accumulating. We are also being told that we owe our XXXX mortgage amount. Ive told Newrez/Shellpoint various times that no amount should be owed as we have paid off our loan in its full amount for the XX/XX/XXXX2023 payoff closing. I have continued to call Newrez/Shellpoint and have been transferred to various departments, all placing the blame on other departments. At this point, I am not confident they will fix this issue and close out our loan. After many attempts to close the loan while holding our money for one month, they have still not processed the finances and continue to go back and forth between various departments figuring out what the hold up is. No progress has been made to close the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: P&B Capital Group, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
An account displaying Adverse Information has surfaced on my recent credit report from P & B CAPITAL GROUP LLC with a debt of {$1200.00} dated XX/XX/2023. However, I have not yet received a debt validation letter from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
To remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institution is not supposed to share my information with third-party people. This is a clear violation of my federally protected consumer rights.

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 2023-12-28
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
NEW ISSUE : XX/XX/2023 proof US Bancorp DID NOT SENT OVER from my checking account my XX/XX/2023 {$100.00} payment to XXXX XXXXXXXX is FRAUD. 
US Bancorp did NOT send over to XXXX  XXXX my XX/XX/2023 {$100.00} payment and is stealing my {$100.00} payment is CONSUMER FRAUD XXXX XXXXXXXX.

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