BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-08
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MN
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On Friday XX/XX/XXXX I received a call from my ex wife stating she had recurved a call from a legal representative stating that a Court case has been filed against me. My mother also received the call. They were told to pass along a callback number to me to discuss the court case. 

I called the number back and I was informed thats I owed a {$500.00} debt from a pay day load. I told them what I could pay on it but the woman insisted that the case has already been filed and its not about the money at this point she also stated that After court is settled I will end up owing over {$1500.00} dollars ( do not remember the exact amount ). ( Deceiving amout owed ). 

She went further by saying I have committed fraud and will be charged accordingly in the court case ( threatening criminal action ) She then put me on hold and said they would be willing to put the court case on hold if I would agree to their payment plan. I agreed. I also asked them to not contact anyone of my friends, relatives, or job since they now have my updated contact info. Turns out they had my correct contact info Well before this matter. When I asked them why they contacted my ex wife they told me it wasnt them that contacted her. It was actually XXXX county courts trying to locate me ( impersonation of a government official ) The following week one of my payments didnt go through because my check had not yet been deposited for the day. They called my ex wife again. When she tired to file a dispute with them allegedly hung up on her. When I called them back I told them that I will not deal with their harassing calls. I also Informed them that I am in the middle of filing bankruptcy. The representative told me my babkruptcy will not cover a previous debt ( deception ). They also said they will notify the courts to move forward with the case. 

To say the least they have used threats of fraud, impersonated a government official, lied, and harassed my family after I specifically asked them not to. I would like to settle this matter but not with a company who uses deceiving, unlawful, and unethical business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I took a trip to XXXX back in XXXX of XXXX, five unauthorized charges occurred while I was on the trip which I disputed ; dispute results came back with no satisfactory explanation of why they were rejects. 
Following are the transactions detail and dispute results : 1 ) XX/XX/XXXX {$1800.00} XXXX IN  XXXX XXXX XXXX unauthorized fraudulent charge During the visit, merchant had requested my credit card to be held for security reason, I assumed since its a restaurant bar, they wanted to make sure that the bill will be paid, therefore, I was ok with the hold. This charge was paid by a group of us in cash at the end of the night, but the merchant still charged my credit card. 
On XX/XX/XXXX, I disputed the charge, Citi completed the investigation on XX/XX/XXXX with the following statement After reviewing your dispute and the information you provided, were unable to resolve the dispute in your favor. I have never heard of a dispute like this that is so obviously fraud, yet Citi resolved in merchants favor! No further explanation from Citi as why this was rejected. 
2 ) XX/XX/XXXX XXXX identical charges of {$160.00} XXXX  unauthorized fraudulent charges On XX/XX/XXXX, I disputed the charges, Citi completed the investigation on XX/XX/XXXX with the conclusion of resolved in merchants favor. Citi rejected the dispute based upon four identical charge amounts of receipts provided by the merchant four receipts that have four different scribble signatures which none of them match my signature! It is absurd to learn that Citi would trust this kind of evidence presented by the merchant to damage its customers.

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 2022-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have a right to privacy.

15 USC1681 Section 604 A section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
i have 12 Medical Collections on my credit report. I have disputed them all and they all responded back with copies of my medical records, procedures, lab results. 
This is illegal. What are these companies doing with my medical records. That is very private information, and against the HIPPA ACT.  Please remove these and delete my medical records from your database.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax is showing that my employer is " XXXX '', which besides being wrong, is discriminatory and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: EQUIFAX, INC.
State: MD
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:
The credit reporting bureaus do not report accurate scores. I understand that scores differ a little on each report but my scores are too different. It is interrupting my attempt to repair my credit and stopping me from having good credit. My XXXX score as of XX/XX/2018 is : XXXX Equifax score as of XX/XX/XXXX is : XXXX XXXX   score as of XX/XX/2018 is : XXXX I need this to be fixed. It seems like a scam to keep me from enjoying the benefits of good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: BTH Management
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX XXXX, has not contacted in me in a fair and consistent manner that other debt collectors would do, such as contacting via mail to ensure the validity of debt, explanation of charges, proper charging of interest, etc. XXXX XXXX, would not attempt to work with a Debt Management Plan, XXXX XXXX XXXX XXXX enrolled in XXXX, for the full principal balance through series of payments. On XX/XX/2021 at XXXX XXXX, I received an email with a proposed offer to avoid collections and pay 50 % off, when chatting with XXXX, he said that my debt in total of {$1400.00} was sold to Plaza Services, LLC on XX/XX/XXXX, so why did I receive an email? XXXX, stated this email was sent in error, I'm not buying that. nor did I receive a letter of intent to send debt to collection agency, and today Plaza Services LLC, contacted my work phone number violating the Fair Debt Collection Practices Act, before even sending me a letter. I'm willing to work with CashNetUSA, but I am disputing the validity of debt as the stated amount is in upwards of {$200.00} and some change then previously accounted for and the right to cure was initiated sometime in XXXX or XXXX. When visiting Plaza Services website, I couldn't even find the case file. PLAZA SERVICES LLC, also stated their client who I presume would be XXXX, XXXX, stated that they would be moving to make a final recommendation with or without correspondence, such as it sounds like intimidation to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Experian Information Solutions Inc.
State: TX
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: Problem with personal statement of dispute

Complaint:
Experian removed my XXXX XXXX account from their account with out my authorization, I did not tell them too and neither did XXXX XXXX I called both parties and no one seems to know why they removed my account? I need my credit showing back in the Experian report asap

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 2020-04-30
Company: John C. Heath, Attorney at Law, PLLC
State: OH
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:
Somehow my credit score went from a XXXX to a XXXX thats impossible when I had no added debt to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My information was stolen and misused as a result of virus on my computer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-23
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
i have 12 Medical Collections on my credit report. I have disputed them all and they all responded back with copies of my medical records, procedures, lab results. 
This is illegal. What are these companies doing with my medical records. That is very private information, and against the HIPPA ACT.  Please remove these and delete my medical records from your database.

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 2020-04-30
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WI
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:
In XX/XX/XXXX, I was paid up on my Toyota Financial lease to XX/XX/XXXX, so I " shut off '' the automatic payments on their website. I went back into their system in XXXX to turn it back on but the system failed. I made the payment in XX/XX/XXXX when I saw the system didn't work to make my payment. I turned the auto payment on again in XXXX and it again didn't work. I made 3 payments in XXXX, along with speaking to an agent who confirmed there seemed to be technical issues and I would not have late payment markers. I close the account in XX/XX/XXXX as I bought a new vehicle. However, AFTER THE ACCOUNT WAS CLOSED, Toyota Financial added the late payment markers for two months onto my account. I again called Toyota who said that their payment system showed " odd '' automatic payment system entries from XXXX to XX/XX/XXXX. The customer service and retention reps agreed with me that there should not be late markers because the system did not appear to be operating correctly. However, the credit review team will not speak with me and will not change the late markers, which is impacting my credit as I try to refinance my home. I filed a complaint with XXXX XXXX as well, but was told that due to Covid-19, their review teams are not working and their website is not working either to follow up on my complaint. I am contesting that it was Toyota 's auto payment system that caused the two late payments in the Fall of XXXX, that Toyota told me at the time and during my complaint that these late markers should not have been applied, and Toyota retroactively added the markers only after I closed their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 've been trying to submit complaints to the credit bureaus about some inaccuracies that i 've seen on my credit report. This has been going on for about 6 months to no avail. The credit bureaus have been failing to investigate my disputes. Claiming they ca n't locate my credit file. I 've sent it proof of my idenity ( i.d . and social ) Also proof of my residence. I still have n't heard anything back from the credit bureaus. I 'm not sure what 's going on but i think it 's pretty unfair.

Credit Bureau Services # XXXX For one this company is not licensed to operate a collection agency in the state of Louisiana. Second, i am NOT sure how this company has access to my medical information. Under the Hippa law my personal information should not be shared. I Know i did n't give this company access to my medical information. THIS IS ILLEGAL!!!!

-XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX # XXXX Under the Hippa law my personal information should not be shared. I Know i did n't give this company access to my medical information. THIS IS ILLEGAL!!!!

-XXXX Credit Card Clearly this company has made a mistake. I have never asked for permission to be an authorized user on this card.

-XXXX XXXX # XXXX I have never done business with this company. Clearly they have made a mistake.

-XXXX XXXX # XXXX I have never been contacted by this company nor have i done business with them. Clearly this company has made a mistake. Please remove.

-XXXX  # XXXX I have no idea what this debt is. Please verify this account or remove.

I know that mistakes happen but it should not happen at my credit 's expense

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 2021-04-13
Company: Lending Club Corp
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:
I have credit XXXX account and found that XXXX XXXX XXXX, XXXX, also with XXXX XXXX serviced by Lending Club Corporation that it was reported on XX/XX/21 that there is a debt being collected. I have yet to know anything about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My wife and I opened a money market account at huntington bank to save money for building our house. After taking money out for construction, my wife asked the office to close out the account and transfer any remaining funds into our other savings account. This was before all this Covid stuff started. The bank was having problems and said they would get back with her. I didn't realize that the bank was charging {$25.00} per month if the account was under {$25000.00}. I wanted to transfer some money from my checking into my savings. Huntington hid any savings account under another tab, so the savings balance is not easily seen. When I selected the tab, the money market account was in the negative. I made a complaint to the Huntington office on XXXX XXXX in XXXX XXXX, mi. They only refunded {$75.00} dollars in fees. This branch said because the account was opened at the XXXX branch in XXXX XXXX, MI. There was nothing else they could do. I went to the XXXX branch, and this branch said because the XXXX XXXX branch refunded {$75.00}, there was nothing they could do. So as far as I figure, Huntington owes me over {$500.00} dollars because they didn't close out the account when my wife asked them to close out the account. Plus, the bank knew that they charge fees on accounts like this, and not one associate said, " I see that the money market account is below {$25000.00}, are you aware that your getting charged {$25.00} per month? '' My wife goes to the bank all the time, and not once did any associate mention any fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-23
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a claim recap from XXXX XXXX XXXX XXXX XXXX ( date prepared : XX/XX/2019 ; date of service : XX/XX/2019 ) stating that there was an expense of {$1100.00} and I had to pay an amount of {$0.00} out of pocket to the provider XXXX XXXX XXXX XXXX XXXX XXXX.

I also have a statement from XXXX XXXX XXXX XXXX ( statement date : XX/XX/2019 ) stating I have an amount due of {$1100.00}, with insurance covering an amount of {$0.00}. I assumed that insurance has already covered this.

I have called XXXX hospital and they have stated that they have sent the debt to CMRE Financial Services Inc. and I ignored them, thinking that insurance has already covered the debt, especially when it was from so long ago and that XXXX has sent a letter stating that they have covered it. Collection is on me and is not on my fault because insurance has not sent clear instructions whether to pay this amount with our insurance card or not.

It was never clear that there was a check sent to us ( not in the amount of {$1100.00} ) from XXXX   to pay for the expenses of the hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX. I recently was checking my credit report and discovered the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX. These addresses are incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX. I recently was checking my credit report and discovered the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX. These addresses are incorrect.

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 2018-06-14
Company: HYUNDAI CAPITAL AMERICA
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I recently checked my credit and noticed that XXXX is reporting inconsistent information with the 3 credit bureaus. On XXXX   they report that the first missed payment was in XX/XX/2017. On XXXX  they report the first missed payment was in XX/XX/2017. And On XXXX they report it was XX/XX/2017. I do not agree with that information it can not be factually accurate. They also report that i went from 30 days late to 90 days late in just 1 month that is also not possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-30
Company: AMERISAVE MORTGAGE CORPORATION
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been speaking with XXXX XXXX, Loan Originator NMLS ID # XXXX, with AmeriSave Mortgage Corporation NMLS ID # XXXX. 

On Tuesday, XX/XX/2020, XXXX offered me a refinance loan at a rate of 3.375 % to which I agreed. He coerced me into paying a {$500.00} application fee before we could move forward with the process. I reluctantly agreed and upon receipt of the disclosures and information, I realized my interest rate was floating, not locked. I asked him to lock my rate, but he refused, stating it was in my best interest to leave it floating, as the rates could go down. I told him that the rates could also go up so I wanted the rate locked. He again refused. 

After consulting with a couple of other banks, I was told that the rate he quoted me was not possible without paying 1 or 2 points, which he told me I did not have to pay. 

I have not had an appraisal or any other item for which this bank has had to pay, other than a credit check. This fee was to simply keep me from shopping around, after I was given an empty promise. 

I lost a night of sleep worrying about going through this process, just to end up with a rate that is not better than the current rate on my home plus adding {$2000.00} - {$3000.00} in costs to my loan. XXXX promised me a rate, forced me to pay an application fee to proceed and then could not lock the rate.

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