BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-07
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The original creditor XXXX XXXX XXXX XXXX told me the issue was resolved after I assured them I do not own a car and that my mom paid for insurance on a car she thought I was going to keep. She wanted me to have insurance so that I can purchase a tag. The original creditor still owes my mom {$130.00} for new policy. The title wasn't changed over to me after finding out the original owner wasn't truthful about the mileage on the car. I found out this information while visiting the Florida Department of Motor Vehicles. The affidavit wasn't signed. Months passed and now I'm getting credit collection services notices every month when I was trying to establish credit. This negative remark was falsely placed on my credit reports and need to be removed. I do not owe this debt. I never received notices from XXXX stating I owe this. The company name is Credit Collection Services, XXXX XXXX XXXX, XXXX, MA XXXX. My file number is XXXX XXXX XXXX. My Pin Number is XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: CO
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-29
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My XXXX passed away in XXXX and we discovered that XXXX of his bank accounts about which we didn't know was being cleared out by crooks. We resolved that issue and got the money back. The bank suggested we run a credit report on him to discover any other unknown accounts. I did exactly as the XXXX credit unions require, supplying a death certificate and XXXX of Pennsylvania proof of me being executor. I immediately received a credit report from XXXX and spent many hours over XXXX days on the phone with XXXX who had written me that I did not provide the documents. But I had sent the documents and the third representative I spoke with did find the documents on the system and eventually a report was mailed out to me. Unfortunately, Equifax seems to have also lost the required documents I sent to them as I received a letter asking for an order from the probate court showing me as executor or a letter of testamentary. Since I've already sent these documents, I called on XX/XX/2022 and spoke with XXXX ( XXXX ) who told me you were missing a copy of my driver 's license, which was not requested on your website at XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After I pointed that out, he looked further and said they are missing the court order or letter of testamentary, which I also told him I sent. He said to send it again. I asked if I could speak with someone in that department and he said no. I object to having to send this again after I already sent it once and have now received reports from both of Equifax 's competitors. If I send the document again, I will just receive another letter saying they are missing something else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: U.S. BANCORP
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
About a year ago I was offered via regular mail a VISA card through XXXX XXXX that would be XXXX interest for the first 18 months. It sounded like a good deal and I took advantage of it. 

Earlier this year, US Bank bought XXXX XXXX 's XXXX contracts. It was to be a seamless transition. I assumed that all offers made by XXXX XXXX would be honored. Not so. 

XXXX XXXX sold my contract to US Bank representing it as earning 14.99 % which it was not, at least not at that time and would not be earning interest until sometime around the first few months of 2022. 

After receiving two bills adding interest to my account XXXX to the tune of some $ XXXX XXXX, I contacted US Bank customer service to find out what was going on. I should not have been charged interest for several more months. The hapless representative who went by the name of 'Amythyst ' was unable to access any of my account information prior to the US Bank acquisition in XXXX of this year, I believe it was. XXXX XXXX only said this account was earning 14.99 %. She had the authority only to lower that by two percentage points even after checking with their contracts department who could offer no additional light on this. Neither did they have any contact information for XXXX XXXX. 

It appears that I am left holding the bag on this. I suspect that I am not the only former XXXX XXXX XXXX holder who is now, and in breach of contract being charged interest with no immediate remedy available. 

I suspect, and this is only my opinion, that there are some shenanigans going on behind the scene here. Did XXXX XXXX 'fatten ' the deal to XXXX Bank XXXX new accounts acquired through their generous no interest offer and then represent them as earning 14.99 % in the sale of those contracts to the bank? Stranger things have happened and I wonder. 

What recourse do I have at this point? This has put me in a bit of a financial bind. 

Thank you for taking time for this matter. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oregon 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 2023-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I have a roommate that I live with for 20 years who is using my identity getting fake accounts in my name getting phones in my name she had a ID with my name in her face. I contacted Bank of America to let them know that she had use all of my EDD which receipts of {$20000.00} which has three different disputes Ive sent documents I sent my receipt I sent my XXXX report, I said my police report my claim was denied over and over again please 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 monetary relief
Consumer complaint received 2017-03-14
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Went through refinance process with XXXX and elected to pay off XXXX of my XXXX federal student loans, the XXXX with the highest interest rates. Instead of applying the nearly {$6000.00} to those XXXX loans specifically and closing them, Fedloan spread out the nearly {$6000.00} across all XXXX of my student loans even though I have explicit correspondence with my refinance company about which loans are to be paid off with the funds. Fedloan has not resolved the issue and I continue to gain interest on the loans that should be closed due to error on their part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/ I attempted to withdrawal funds from my checking account and the ATM malfunctioned. It stated that an error occurred with the machine and the transaction could not be processed. It then stated my transaction was reversed and funds were in my account immediately. This did not happen. I have called Bank of America about 15 times since this has occurred and no one will assist me in returning my funds to me. In addition to this supposedly someone was assigned to my case but no one takes my phone calls or assists me in resolving this issue. This is a Bank of America atm and all they have to do is balance the atm and it will show there is an overage, or they can check the records and it will show the atm malfunctioned but Bank of America refuses to return my funds.

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 2022-10-11
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the XXXX Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2023-02-17
Company: CCS Financial Services, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have reached out and contacted the collector on several occasions letting them know that I was a victim of identity theft and that this was not my dad Ive showed them proof of the identity theft and Other accounts apartments and phones that have been opened up in my name they agreed to settle this and delete the day yet they have put it on my credit and it shows in the negative light I would like it removed immediately this XXXX dollar is not my day to pay

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
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 am writing this request that I have been a victim of XXXX XXXX and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 
The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. 
I'd appreciate it if you could update this reporting account as soon as feasible. 
The account should be rectified as soon as possible if you do not comply with the instructions. 
Please UPDATE the following accounts AND REMOVE THE INACCURATE ADDRESSES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance : 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 non-monetary relief
Consumer complaint received 2016-07-07
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX, Equifax , and XXXX have dropped my credit score after entering into a debt management plan to repay what I owe. These agencies have rate my credit as poor after XXXX XXXX has written off my debt as bad debt, but I still continue to make payments on my account and have never been late. I am asking the credit agencies to remove it as bad debt since I am making payments and never have been late to raise my credit score. I finally have identified a critical mass of people in the same situation to purse this legally ( with the assistance of a law firm willing to move forward ), but i was asked to pursue this avenue first.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
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: Account information incorrect

Complaint:
I had a student loan with the government that I defaulted upon. It was taken over by US Dept of EducationXXXX, but it has been transferred many times. On Transunion, it was closed due to transfer on XX/XX/2016. The transfer date for XXXX  is unknown. According to Transunion, it is '120 days past due ' and XXXX list it as '180 days delinquent ' which are both false. XXXXXXXX XXXX  XXXX in AZ are the current holders of this debt and I have been paying them regularly so this information on my credit report is wrong. I have tried to correct it with the various agencies but they kept giving me the runaround, meaning being told that they can not help me or it is under their control anymore.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: NAVY FEDERAL CREDIT UNION
State: CA
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:
Navy Federal credit union has failed to provide the consumer ( ME ) with the option to opt of of non disclosure reporting to Non-affiliated 3rd party companies ( credit bureaus ) every 30 days as noted in 15 USC 6802, and also violated my rights IAW 15 USC 6803 reporting my nonpublic information to nonaffiliated 3rd party companies ( credit bureaus ) and the terms set forth by navy Federal credit union.

15 U.S. Code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; 15 U.S. Code 6803 - Disclosure of institution privacy policy U.S. Code Notes prev | next ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution ; and ( 3 ) protecting the nonpublic personal information of consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
on XX/XX/XXXX i cashed out of cashapp and its was never deposited to my account i filed a claim and never heard anything back until XX/XX/XXXX i received a email stating they determined i was owed a courtesy payment of {$5000.00} and i would have to make a new cashapp to receive payment because my account was closed i replied and stated i was unable to make a new on because i was in violation of their terms i went on to make the new cash app with the cashtag name @ XXXX and sent them the info and called i was asked to verify my information and the cashapp was closed after i received a email stating they deposited the funds to some one else account with cashtag @ XXXX they didnt verify my personal information or anything when doing so i emailed multiple times to have it corrected and i kept getting the run around now iam being told they can not give me any more support and will be closing my case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: ACIMA CREDIT, LLC
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Dear Consumer Protection Agency, I am writing to file an urgent complaint against Acima Corporation, detailing my recent experience with a lease agreement initiated on XX/XX/, for the purchase of two tires. 

On XX/XX/, I attempted to make a payment of {$880.00}, the total payoff amount, which was unsuccessful. Subsequently, on XX/XX/XXXX XXXX XXXX I encountered a technical glitch in Acima 's automated system, preventing me from completing the payment. Unfortunately, the office was closed, leaving me unable to address the issue with a live agent. 

After reporting the error on the next business day, I was informed by Acima that an additional {$100.00} would be required to process the payment. Despite my objections that this penalty was unjust due to the system error, I was offered the option to extend the due date for an additional {$100.00}, which I declined at that time. 

Following discussions with a supervisor, I was instructed to provide bank statements to verify fund availability. I explained that my bank statements would not be available until the end of the month but promptly sent screenshots as a temporary measure. Despite my efforts, the account balance to pay off the lease increased to {$1100.00} during the dispute period. 

Upon the resolution of the dispute, I provided Acima with the necessary bank statements, including a letter confirming the XXXX transfer. Regrettably, Acima did not honor the original payoff amount of {$880.00} and is now charging an additional lease interest fee of {$1100.00}. This drastic increase is unjust, especially given the ongoing dispute. 

I am seeking your assistance in resolving this matter and request the following : An immediate reversal of the additional lease interest fee of {$1100.00}. 
A confirmation of the original payoff amount of {$880.00}. 
An acknowledgment of Acima 's error and assurance that measures will be taken to prevent similar situations in the future. 
A written acknowledgment and assurance from Acima regarding their commitment to fair and consumer-friendly practices. 
I believe that the Consumer Protection Agency plays a crucial role in safeguarding consumer rights, and I trust that your intervention will lead to a fair and just resolution. I request your prompt attention to this matter and anticipate a response within [ reasonable timeframe, e.g., 15 business days ] from the date of this letter. 

Thank you for your commitment to consumer protection.

Company response to consumer: Closed with explanation