BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-24
Company: Ability Recovery Services, LLC
State: NC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I attended XXXX College and majored in the XXXX XXXX program. I talked to the representative and after committing to the program I found out they misrepresented themselves tell me that the classes would help me in my career and also that I could transfer to a four year university after completing this course. I found out shorting that wasn't true and that their courses don't meet state requirements. I shortly contacted them and let them know that their program wasn't transferable and that I was no longer interested in the program. XXXX College continue to debit money from my account and I had to end up closing my account to stop them. I then tried to apply for a auto loan and was denied because they reported to the credit bureau that I owe them XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF INTENT TO FILE A LAWSUIT CEASE AND DESIST NOTICE OF DISPUTE AND DEMAND FOR IMMEDIATE CORRECTION Transunion should totally removed the XXXX XXXX XXXX XXXX derogatory reports instead of closing them and leave them till certain dates. Although, you have done your investigation and they should be deleted because the medical billing were not mine. XXXX XXXX, XXXX and XXXX XXXX XXXX are fraudulent companies and needs to be investigated further and their companies shut down. 

XXXXXXXX XXXX XXXX is a billing company and not Medical Center as mentioned by the XXXX XXXX XXXX XXXX XXXX 

I do not attend XXXXXXXX XXXX XXXX and owe no bills to them or anyone. 

XXXX XXXX XXXXXXXX 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 2018-06-29
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: Information belongs to someone else

Complaint:
I have submitted the required documents several times, also cited the FCRA 605B protections for identity theft victims and still Equifax fails to comply with the law. I was a victim of identity theft and a few companies refuse to stop reporting unless I pay them I filed a police report and sent to all CRA and both XXXX and XXXX blocked the fraudulent information per FCRA 605B. Equifax continues to file disputes with the companies that always come back verified with no documentation. This is my final attempt and I will also include an intent to sue Equifax if they continue to report false info on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-06
Company: BARCLAYS BANK DELAWARE
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Barclay 's Card has submitted hard inquiries without proper authorization.. Inquiries were made when a request for a larger credit line were made during the below dates. A hard inquiry was made and I was unaware and did not accept them to do this. This has brought down my credit score. 

Written requests to Barclays have remained unanswered. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Request all inquiries removed.

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 2018-10-27
Company: EQUIFAX, INC.
State: GA
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 have disputed the late payments on XXXX XXXXXXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX accounts for months. Equifax refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I was an authorized user ( NOT FINANCIALLY RESPONSIBLE ) on the following negative accounts that are illegally impacting my credit negatively : 1. XXXX XXXX XXXX on Transunion 2. XXXX  XXXX on Transunion and XXXX  3. XXXX XXXX on XXXX  4. XXXX XXXX XXXX on 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 2020-06-24
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX I started refi with Amerisave. They gave me a quote on 2.75 % and said they could close in 2-4 weeks. I tried to communicate with the loan processor via phone, text and email. No response. Next thing I know I got an email my refi app was cancelled. I gave them {$500.00} up front. The loan processor or the general phone vm did not respond so I spoke to the original person. He said my app was closed because my home was up for sale. I asked for proof because my home was not up for sale. He said he would take care of it. It took over a week and then they wanted me to sign docs within 48hrs. I had questions and asked for a response to sign in 48hrs. They never locked in my rate and tried to have me sign paperwork saying my rates were floating and all my fees could go up. This was not what I agreed upon when I gave them {$500.00}. There was never a response to my questions and now Im asking for my {$500.00} back. No response of course. I have stellar credit and no debt.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-24
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
REGIONS BANK ALLOWED A COMPANY CALLED XXXX TO TAKE MONEY OUT OF MY ACCOUNT IN SOMEONE ELSE 'S NAME THE NAME XXXX XXXX THERE IS NOT A XXXX XXXX ON MY ACCOUNT XXXX TOOK OUT {$130.00} ON XX/XX/XXXX, {$130.00} ON XX/XX/XXXX, {$130.00} ON XX/XX/XXXX, {$130.00} ON XX/XX/XXXX, {$150.00} 0N XX/XX/XXXX, {$140.00} ON XX/XX/XXXX, {$130.00} ON XX/XX/XXXX, {$130.00} ON XX/XX/XXXX {$120.00} ON XX/XX/XXXX, {$110.00} ON XX/XX/XXXX, {$110.00} ON XX/XX/XXXX, {$100.00} ON XX/XX/XXXX, {$99.00} ON XX/XX/XXXX, {$92.00} ON XX/XX/XXXX {$86.00} ON XX/XX/XXXX. AND ANOTHER & 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 2018-10-24
Company: Berlin-Wheeler, Inc. (Kansas)
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Berlin-Wheeler Inc on or about XX/XX/18 that I owed a debt for {$390.00} for XXXX, but I have never had an account with XXXX. I then sent Berlin-Wheeler a certified debt validation letter that was received on XX/XX/18. They sent back copy of invoices, an itemized printout, and a demand for payment, but nothing to verity the debt since the FTC has stated that itemized printouts are not verification of a debt. I checked my credit report on or about XX/XX/18 and the debt was reporting to the credit bureau, but it was not marked disputed within the 30 days that are required by law according to FDCPA 807 ( 8 ). I then sent another certified letter to Berlin-Wheeler that was received on XX/XX/18, letting them know of the violation and asking them to remove the inaccurate information from my credit file, but the debt has not been removed nor has Berlin-Wheeler responded as of today ( XX/XX/18, which well pass 30-days ) I am requesting to have this inaccuracy removed from my credit report immediately.

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 2018-02-24
Company: KEYCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account with KeyBank on XX/XX/2017. It came with {$300.00} in bonus for making {$1000.00} in direct deposits and five billpay or debit transactions in the first 60 days. I made {$1000.00} in direct deposits, but now they are claiming that it had to be in a single transaction. That would be very misleading, since that has never been how any bank bonus has worked in my experience. So they are basically telling me if I made a million direct deposits in the first 60 days of {$990.00} I wouldn't get their checking bonus. That is very deceptive wording and very misleading to customers who expect deposit amounts to be cumulative and not transaction based. I contacted KeyBank Corporate and they said I had to contact the branch and when I contacted the branch they said I had to talk to corporate so I got nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
CONTACTED COMPANY MULTIPLE TIMES TO FIX CAR WAS REPOED. CAR SHOULDNT HAVE BEEN REPOED BECAUSE WAS GIVEN A COUPON FROM CAR DEALER TO CHANGE DUE DATE OUT A MONTH BEFORE IT WAS DUE. ORIGINALLY THOUGH PAYMENT WAS DUE XX/XX/20. WAS TOLD FROM REP IT WAS XXXX. I SAID I DONT HAVE IT RIGHT NOW TO PAY I HAVE THE FREE MONTH TO MOVE IT OUT A MONTH. WAS TOLD I COULDNT USE IT AND I HAD TO MAKE A PAYMENT. THE CAR WAS REPOED FROM MY BROTHER IN XXXX. MY BROTHER LOST MY KEYS. I PAID THEM OVER XXXX I HAVE ATTACHED THE RECIPETS. WHEN I MADE THE PAYMENT I WAS TOLD THAT THE ENTIRE BALANCE WOULD BE APPLIED BECAUSE CAR HAD BEEN TRANSFERED TO AUCTION. THE ENTIRE BALANCE WASNT BECAUSE BEING TOLD THE DIDNT GET THE XXXX OF THE XXXX. WAS TOLD THEY WOULD INVESTIGATE AND WOULD CALL ME BACK. CALLED AGAIN AND WAS TOLD THEY WOULD APPLY THE COVID 19 90 DAY EXTENSION UNTIL SOMEONE WOULD CALL ME BACK. NO ONE CALLED ME BACK. EXTENSION WASNT APPLIED. WAS SENT A LETTER IN THE MAIL THAT THEY WOULD REPO THE CAR XX/XX/XXXX. I DONT HAVE THE CAR THE CAR IS STILL AT THE AUCTION OR WHEREVER THEY MOVED THE CAR TO I DONT KNOW NOT I DO NOT HAVE THE CAR AT THIS TIME OR THE KEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
the credit company reporting inaccurate information causing me higher rate on everything fcra violation and FTC

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 2020-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
The card rejects all the purchases on my Mastercard and XXXX card issues by BOA. I have contacted them 3 times but they refuse to discuss it unless I confirm the text message sent to me. I DON '' T HAVE TEXTING SERVICES.

It looks like an unprofessional supervisor initiated these limitations knowing that I don't receive text messages.

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 2017-06-21
Company: Experian Information Solutions Inc.
State: NV
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 have an issue, I had a car loan through XXXX XXXX XXXX # XXXX as of XXXX I have always been current and been paying on this, I pay it off in XXXX and now a bunch of late payment remarks were added back from XXXX and one from XXXX which is inaccurate. I have attached the page of my credit report in XXXX reflecting paid as agreed and never once late and the report that was pulled in XXXX showing a bunch of inaccurate late payments. How can I be penalized for paying off an auto loan. This is not correct.

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 2021-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX has been reporting a {$65.00} collection on my credit file for over 5 years. 
I disputed this account 5 times. XXXX sold me a defective phone for {$380.00} dollars Never fixed it. service was bad and I could not use the phone. I paid them in full Even I did not have too. XXXX is damaging my credit file along with XXXX  and trans Union not following the fair credit reporting law. I cant refinance my house because Of this collection on my credit file. There two choice I have XXXX to remove this collection I will sue XXXX for defective XXXX XXXX bad service and XXXX will Pay me back for damaging my credit for no valid reason. They owe me 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 2018-10-24
Company: AMCOL Systems, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I disputed a collection with XXXX  several times in the past few years regarding Amcol Systems that they submitted to the credit agencies recorded on XX/XX/XXXX without my knowledge and without any validation of debt. The details state the original creditor as XXXX and the amount is for {$650.00}. I contacted XXXX and they do not have a record of this under my name. I do not recall going to XXXX. I had a different insurance thru my employer as well as HSA and any medical bills would have been paid with the combination of both. This is too old to investigate or to submit to insurance or HSA. I also asked them due to this automatically falling off my credit report next XX/XX/XXXX, if they would kindly remove, as I have never received any communication from this them over the past years. Furthermore, this credit agency is not licensed in the State of Michigan to perform collections in this state, so I believe they are illegally trying to collect a debt that not only is invalid, but they are not entitled to do so according to the Michigan State Attorney general office, which they have requested I file a complaint pending the results of your findings. I have been checking my credit reports and this is still appearing, therefore they are ignoring my request for removal and never offered any type of validation. I reached out to them also via email this week, I have proof of delivery and again received no response, not even an email reply to say they would look into this matter. If this was on one of their own credit reports, they would react in a timelier matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: WELLS FARGO & COMPANY
State: UT
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 did not authorize these credit checks.

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 2020-11-13
Company: EQUIFAX, INC.
State: IL
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
As the fiduciary of the estate of XXXX XXXX XXXX, I have the right to the information I am seeking and the information I have sought numerous times in the past. SPS continues to fail to cooperate with legitimate inquires to validate their alleged false claims.

1- Failure to adequately and sufficiently respond to Notice of Error or Information Request or Qualified Written Request dated XX/XX/2018 and XX/XX/2018. ( See attached requests ) 2- On XX/XX/2018 a property evaluation was ordered and completed by SPS in the amount of {$120.00}. I demand a copy of this report and all related documents.

3- Failure to adhere to Laws of New York State SCP Surrogate 's Court Procedures : " Every claim against the estate of a decedent other than claims for expenses of administration and claims of the United States or the state of New York must be in writing, contain statement of the facts upon which it is based and the amount thereof. In addition the fiduciary may require the claimant to present proof by affidavit that the amount of the claim is justly due, that all payments thereon, if any, have been credited, that the claimant knows of no offsets and no evidence of indebtedness and holds no security, except as specifically described in the affidavit. '' As the fiduciary of XXXX XXXX XXXX 's estate, I am requiring the claimant to present proof by affidavit. In addition, please identify the security in such claim.

4- As a reminder, as fiduciary and based on reason to question the validity of any claim, I reserve the right to present a petition to the court showing the facts and praying that the claimant or possible claimant be required to show cause why his claim, if any, should not be disallowed. 

To date, the estate of XXXX XXXX XXXX has yet to receive a valid claim from SPS or it's associates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: WLCC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
The term of the loan was XX/XX/XXXX - XX/XX/XXXX. XX/XX/XXXX was first initial payment of {$160.00}. I have paid {$160.00} biweekly since XX/XX/XXXX and the payback totals well over {$600.00} ; which is the initial loan amount. According to XXXX contract and customer service representative, I still have another 10 payments to go. Their fees seem a little outrageous to me and how are they allowed to charge the consumer more fees. Their fees are higher and the terms are longer than the person to person payday companies. For now, I have stopped payments coming from my bank account, as it was accruing negative balances from the withdrawals of XXXX   XXXX. Depending on the outcome of this claim, if the remaining balance must be completed, it will be done on my terms and payments via mail only! will not allow them to have my bank account information anymore.I would like this company investigated for excessive fees and excessive terms of the contract.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was shocked when I reviewed my credit report and found late payment on my account I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: U.S. BANCORP
State: CA
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 contacted the company and told them that my information was used fraudulent in an attempt to gain credit and that I didn't submit the request. The Rep that I spoke with verify that the application was fraudulent but they refuse to have the inquiry removed from my credit report. My credit score has been impacted due to their refusal to remove the inquiry from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation