BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-23
Company: United Revenue Corporation
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 information incorrect

Complaint:
XXXX XXXX XXXX** Balance Owed : {$0.00} XXXX XXXX**** Balance Owed : {$510.00} XXXX XXXX XXXX XXXX**** Balance Owed : {$3500.00} UNITED REVENUE CORP XXXX** Balance Owed : {$770.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
This company is a scam. The irony of that can not be understated given the fact that this is a company that is supposed to protect your credit and protect you from ID theft - but they steal from YOU!

You automatically get signed up if you don't cancel after getting a free score. That's pretty standard, but then THEY DO NOT LET YOU CANCEL YOUR MEMBERSHIP. Unlike any other reputable company in the year 2018, you can not cancel online. They set it up so that you have to call them in order to cancel, and then when you do, you're put on hold for hours ( I was on hold for almost 2 hours before I wised up, hung up the phone, and called again but pressed pressed different numbers besides what leads you to " cancel my membership '' ) so that you can not cancel. It's impossible to cancel online ; I tried.

The other problem is that they take your credit card info to subscribe you without your consent if the first credit card is cancelled, or is expired, or whatever. The card that I had used initially expired and they automatically accessed my new card and started charging me. Oh, the irony - a company designed to protect you from being stolen from, and they steal from you.

I know many other people have had this problem. It needs to stop. They should not be able to get away with this.

After 3 hours, I was finally able to cancel my account. To be honest, I'm worried that it won't actually be cancelled.

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 2021-03-28
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Account status incorrect

Complaint:
I returned my leases car to Toyota and took a new lease car from them but the old returned car lease account is still showing in my credit report and also as an " adverse account ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-04
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I open an account with american express but for some reason they decided to end the relationship and now they are holding on to my funds and don't want to return it nor refund it.american express national bank is holding my funds HOSTAGE and won't release the funds nor return the funds. I have contact them by phone and by mail and still no response.Please help me with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: EQUIFAX, INC.
State: AR
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Car was bought back in 2004 and was repossessed. I feel it's to old to keep showing up on my reports and for them to keep trying to garnish my pay.

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 2021-04-25
Company: Experian Information Solutions Inc.
State: OH
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:
XX/XX/2020 I completed a CFPB report against XXXX for inaccurate information and reporting on my credit report. The issues still arises. Here is a list of the complaints CFPB Complaint # XXXX ( the " First Complaint '' ) CFPB Complaint # XXXX ( the " Second Complaint '' ) CFPB Complaint # XXXX ( the " Third Complaint '' ) The issues is the incorrect reporting on my credit and violating many FCRA laws. FCRA states, " FCRA violation is when a creditor posts late payments or charge offs after the debt has charged off a past due balance. According to the document from XXXX the debt was taken care of XX/XX/2020. The upldated credit report from XX/XX/2020 displays XXXX has reported charge offs for the month of XXXX, XXXX, XXXX, and XXXX of 2020. Which is a direct violation since the charge off was paid XX/XX/2020. The attached credit report and dispute results from experian will display such. Acording to FCRA, the information must be deleted due to its blatent inaccuracy and violation of FCRA 623 ( a ). Legal and monetary rememdies can be obtained under FCRA. The incorrect information has affected me in the home buying process and getting other loans for my business. I have attached my current credit report, dispute details that denied my dispute, and FCRA full law handbook for XXXX 's reference.

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 2020-07-22
Company: Security Credit Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Just checked my credit score and I see a new collections account with Security Credit Services. The original creditor says XXXX XXXX, XXXX. The alleged amount owed is {$350.00} and the alleged date opened is XXXX XXXX. I have never heard of Security Credit Services or XXXX XXXX XXXX and I certainly have not leased anything. This needs to be removed off of my credit immediately as this debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: Conn's, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to fix all hard inquiry it shows i have XXXX i dont know what they are it is hurting my credit. 
XXXX morgage XXXX XXXX XXXX Classic XXXX XXXX XXXX XXXX Consumer portfolio XXXX XXXX XXXX XXXX Central XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Regional acceptance XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is XXXX of the hard i quires i have on credit and have tried to talk to them they all say they cant help i would like them taken of my credit llease ... 
XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OR
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:
I assume the company in question is Portfolio Recovery Associates, though I can't verify this, as they refuse to leave a message or identify themselves over the phone, but based on the number out of Florida they're using, I was able to find similar complaints online that identify the company as PRA. 

I received a collection 's notice from PRA a few months ago. After I sent a certified letter requesting validation of the debt, they either could not or would not provide the requested documentation, so I assumed the debt was - in fact - NOT valid and received no further communication until yesterday, XX/XX/XXXX. They did not leave a message, and then called again this morning and would not identify themselves as PRA, despite me already having looked up their information online. 

I've included a copy of the debt validation letter dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been in contact with the CFPB before with XXXX XXXX. He was very helpful and told me that he understood where I was coming from in my situation he then reformed my dispute claim as the bank put a bunch of charges I did not authorize them to put on my claim they claim that from their phone call I did however they refused to let me listen to that phone call. I was told by one of their agents and XXXX that my case was reviewed and switched to only three charges and which those are the ones I only wanted it on there from the beginning I have three charges two of which I got a fraud text message from Fifth Third themselves Which says is this fraud and I answered yes. I also have another charge from an XXXX supermarket right across from this location of this charge which is in a very terrible neighborhood of XXXX far from my house which is also not consistent with any of my spending patterns. Fifth third bank and XXXX confirmed that my claim was down to three charges now and will only be reviewed for those three however they decided without even telling me that they are going to stick with the original dispute based off the phone call which they still will not let me listen to even though I have proof from them that says They detected fraud and I agreed it was fraud when the charges were made and they still allowed the card to be active after I said it was fraud. I have the text message I will attach I also have a police report and XXXX gave me the locations of the charges which show they are in an area where I have never spent money before and are not consistent with my spending patterns. I am on the verge of taking them to court because I can not believe the amount of times they have lied to me they refuse to review my details that I have sent them which show that they detected fraud and I confirmed it was fraud just based off a phone call that I made originally that they claim I authorized all those charges however I never did and they refuse to let me listen. This is my last straw before I take them to court with my sufficient evidence because there is no arguing a text message from them that asks Me if it was fraud and me confirming that it was. I was also lied to by one of the representatives when I had called and asked them to confirm that it was just three charges on the new dispute and she confirmed however they still went with the old dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened a Citibank business checking account in XX/XX/2022 with {$38000.00}. Within one week, they'd frozen the account and submitted it for fraud investigation. I was informed that they had 30-90 days to complete their investigation and close my account, but it's been seven months and I still have no answers ( or my money ) despite multiple visits to my branch/the manager and calls to the fraud department. The funds have cleared the account of the issuer and are sitting with Citibank. I want them to close my account and return my money.

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 2021-02-26
Company: Square Inc
State: IL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have tried to reach out to cash app support regarding several dispute matters at this point they have an unusually long time to process refunds up to 10 business days. I am not understanding how a transaction can immediately show as refunded but the funds wont be available for ten days. More recently I am having an issue with XXXX transactions on my account that XXXX is claiming they cant even locate on my account. CashApp is putting an undue burden on me to dispute the transaction of asking me to provide a receipt or letter showing XXXX cancelling the charge. When I explained to CashApp support this was unreasonable and in no way possible because as I stated before XXXX is claiming they have no record of any of the charges to my account CashApp support failed to resolve the matter and even refuse to cancel the duplicate charge from XXXX. They are refusing to process any disputes and I have over a XXXX dollars stuck as charges or in limbo from CashApp 's negligence and unwillingness to follow the FCRA and allow me to file a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Dear Sir, My Name is XXXX XXXX XXXX, I have Saving and Checking Account in Well fargo for more than 15y, Also I heave safe Deposit Box ACC # ending XXXX joint with My Mom. 
One XX/XX/XXXX, I received letter from Wellfargo saying, they want to close our safe deposit box. 
I call main customer office, they dont know why and ask me to call local office. 
Local office have no answer and ask me to call customer office, both of each time I have to with more than 45min and I talk manager from branch, supervisor from Customer Service. 

I feel that they want to take away Our Safe Deposit box for any perticular Reason. 
I feel that hey are Discriminate again people dont speek much in English. 

Wellfargo Card # end in XXXX Soc # end in 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 2020-08-31
Company: Experian Information Solutions Inc.
State: KY
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 have disputed information with Experian on 3 separate occasions and have not been given any proof of verified information other than a message saying " information has been verified as accurate ''. The information that has been disputed are for the following accounts. It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. The accounts that have been disputed are as follows : 1 )  XXXX XXXX  act # XXXX 2 ) XXXX XXXX act # XXXX 3 )  XXXX  XXXX act # XXXX 4 ) XXXX XXXX act # XXXX Initial formal digital dispute was done on XX/XX/2020 and Experian recognized the dispute on XX/XX/2020 and XX/XX/2020 ( as you will see in enclosed photos from their dispute center the recognition of the dispute, as well as a copy of the initial dispute that was uploaded ) 2nd formal dispute was sent via certified mail on XX/XX/2020 ( I have enclosed a copy of the receipt from USPS which verifies the tracking number # XXXX. Also enclosed is a copy of the 2nd dispute letter that was sent ) 3rd formal dispute was sent via certified mail on XX/XX/2020 ( I have enclosed a copy of the receipt from USPS which verifies the tracking number # XXXX. Also enclosed is a copy of the 3rd dispute letter that was sent ) I have NOT been provided a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Experian has done nothing more than " update '' information that is not has not been proven to be mine or valid, or " verified '' that the information is correct. I have also enclosed a letter from 1 of the alleged creditors showing that they did not even open an investigation on 2 of the 3 disputes. Therefore, there is NO POSSIBLE WAY that Experian appropriately " updated '' or " verified '' the information they are reporting on my credit report. 
Several of the aforementioned accounts have already been removed from the other credit reporting bureaus for an inability to verify the validity and provide the legally required documentation for support as required by law. Further supporting my claims that Experian is falsifying to me that the information has been " verified '' as it is legally required by law that the creditor agency share the exact same information with all 3 credit reporting agencies.

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 2023-06-20
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My deposit account is overdrawn and they are charging me fees and interest this is not fair to me their are also fraud charges I had {$3000.00} in my account and now it shows as if I owe them - {$500.00} this is ridiculous I want my money back that they stole from my account debit card and the fees reversed

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 2019-02-21
Company: CNG HOLDINGS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX continues to call and text my phone about a debt that I don't recognize. They say they're calling on behalf of Why Not Lease It, whom I've never done business with to my knowledge. I have contacted the company, and they are unable to provide me proof of any transaction made. 
XXXX XXXX XXXX told me that they don't have to verify the debt. I've asked them to stop calling me more than twice and for them to communicate with me via partial mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been an authorized user for now on my cousins cards using and paying it off. Trying to build my credit. The issue is nothing is showing on my report for either of these cards. One is barclays and the other is XXXX  XXXX XXXX. For some reason they are not reporting to XXXX, XXXX  and XXXX  any help here would be greatly appreciate.

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 2020-08-31
Company: Experian Information Solutions Inc.
State: MA
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:
Spoke to XXXX XXXX in reference to my account ... ..the account status is listed as derogatory with all 3 credit bureaus. Agent states that it's up to the credit bureau to change the rating. I am requesting that the account status be changed from derogatory to paid. As XXXX XXXX Agent advised me to do

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 2018-04-03
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo foreclosed on our home in XXXX. We tried extensively to work with the bank to modify the loan and avoid foreclosure. We sent the paperwork we were told to send more than 20 times only to be told over and over again that they didnt receive it or it was lost. Finally, we were told we qualified for a HAMP modification and then denied after we submitted more paperwork. We were worn down to the point of being unable to fight anymore. Looking back, we had rights and they were taken from us by the bank just running us ragged. We purchased the home in XXXX for {$350000.00}. Wells Fargo auctioned it off for only {$180000.00}. A price well under what we could have afforded to stay in the home. Since then, we have undergone a landslide of financial after effects from the foreclosure. Wells Fargo was not honest and should provide restitution for their dishonesty and mistakes in dealing with our home foreclosure process. We have been unable to own a home since XXXX because of Wells Fargo not following proper protocol.

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