BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-30
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 is missing that should be on the report

Complaint:
In XXXX 2018 I disputed a account with Equifax that not reporting 100 % accuracy .. The alleged account is XXXX XXXX XXXX XXXX # XXXX.. Equifax reported back that the account was verified and reporting 100 % accuracy.. Well today as of XXXX XXXX2018 I noticed that the account is charged off and has been sent to another agency sold to another lender,, and Equifax is not reporting 100 % information on my report, The account is sold and Equifax has failed to report the information 100 % accurate and the alleged account needs to be removed from my Equifax file. I have enclosed a copy of my recent report with Equifax and the account is not reporting the sold account information. Equifax please remove the account from my file,, your company is in violation of the FCRA. And my rights have been violated. The account is sold I've called and spoke with the original creditor and they advised me that the account is sold,, so the credit company is not reporting the information accurate,, I found out this information from the original creditor and its Equifax job to report 100 % information on my report, and Equifax failed to do so,,, ,so please delete this or I would be subject to file a small claims for your violation and non-compliance In the pictures enclosed it shows in the remarks that the account is charged off only,,, where the status should show sold to another agency or outside lender,,,, thank in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: EQUIFAX, INC.
State: OR
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:
On XX/XX/2018 I applied for a loan at my credit union. I was told my credit has been frozen. When asked to verify questions I was told that my answers failed. I called a second time and was told I failed again. Equifax is not even operating in the United States. I can not understand what was a failure in my answers and the operators are in the XXXX! Not even in the United States. I answered all questions and still failed to unlock my credit. I am very upset and dissatisfied with this process. This is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX   ) XXXX XXXX XXXX ( XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX XXXX XXXX ) XXXX ( XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  Experian 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 non-monetary relief
Consumer complaint received 2018-11-07
Company: LEXISNEXIS
State: WI
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: Investigation took more than 30 days

Complaint:
I submitted a public record investigation request to LexisNexis XX/XX/2018. As of today I have not received a response. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
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: Account status incorrect

Complaint:
in XX/XX/2018 I disputed a account that's reporting inaccurate information on my Equifax Report. The inaccurate is XXXX XXXX # XXXX. In XX/XX/2018 I disputed the account again and they continued to report back as verified. The XXXX XXXX account is reporting as charged off. So if the account is charged off there should not be a monthly payment reporting on this charged off account per the FCRA. So Equifax has been reporting this inaccurate information and it needs to be removed from my report immediately.. No charged off account should be reporting a monthly payment,, I have enclosed copies of the account showing a monthly payment of {$2500.00}. Please remove the alleged account from my file ..Equifax is not reporting 100 % accurate information,,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: HOME BANCSHARES, INC.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020, my wife and I purchased an electronic dog toy using our debit Mastercard from Centennial bank. The purchase was for {$77.00}. The merchant name is XXXX ( aka XXXX ). After receiving the toy, it was not the product we purchased. The merchant was using descriptions and photos of another product. We contacted the merchant and they offered a credit of 10 %, but would not go any further in refunding the amount back to us. I called my bank and opened up a dispute on XX/XX/2020. I provided the bank all of the details of the transactions to clearly show that the merchant sent a different product, and they were not honoring their refund policy either. On XX/XX/2020, I received a letter from Centennial bank denying the dispute claiming " no error was made ''. Upon calling a bank representative at my local branch in XXXX, FL, they claimed that they could not follow through with the dispute because it was an " authorized purchase ''. I was under the impression that I had the right as a cardholder to dispute a transaction, and this right was being denied. At this point, it's the only way I can find a resolution. The bank did not follow through with investigating the dispute, or provide documentation to back up its findings. I wasn't able to challenge it either. I feel my rights within the FCBA were not processed fairly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: Thunderbird Collection Specialists, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Thunderbird collections ( TCS ) XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX AZ. XXXX, a medical debt in the amount of {$1800.00} has called my place of employment leaving various voicemails with personal information in spite of being requested not to do so. These calls put my employment at risk and they continue to do so, leaving messages with patient access and records at my employer. This is in addition to multiple calls daily to myself with threatening messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: USA Service Finance LLC
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: Information belongs to someone else

Complaint:
I checked my credit report months ago and noticed this creditor was on my report. However I have never heard of this creditor nor have I ever done business with them. Theres a number on my report to contact them and upon contacting them I spoke to a lady who told me that I had been a sponsor for this lady who took her grandmother to XXXX or XXXX Im not really sure of the location she claimed Id sponsored but I informed her that I dont know the names she named and she said that if I file a dispute with the bureau shed remove this fraudulent account. I believed her but upon recently checking my report I found she never removed the account and is still reporting it as open and now 9 times delinquent. I then made a second call to them and spoke to a different lady who said I had my sister flew somewhere to attend the funeral of my brother which is a total made up story because I dont have a sister and my brothers are alive and well. This creditor knows this account is fraudulent and refuse to remove it from my report and thats a violation of consumer protection laws in reporting false information to credit bureaus without adequate verification. Im asking that they remove this fraudulent account or the FTC charge them for violating consumer protection laws. Reporting false information to credit reporting agencies.They have no validated evidence of me signing anything in front of a notary or certified letter sent to me validating this debt so they are in violation of the law if they dont remove this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: Fidelity National Information Services, Inc. (FNIS)
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:
Hi, i use to bank with us bank until everytime i got a bank account an would set it up so i couldnt go in the negatives, it always brought me to the negatives because it would show money i had in my account that was just pending but it still aloud me to spend the money leaving me negative. a company calls me almost everyday saying i owe them over {$300.00} for the debit card. im a young XXXX XXXX and dont have money to be giving that i never spent.

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 2018-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
continuing from complaint XXXX. I don't know if you guys know I am a a victim of identity theft and im already registered through XXXX as a victim. Thank you.

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 2018-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Short summary : Bank of America 's " AutoPay '' feature is deceptive -- it leads you to think that you're paying the amount due in full when only you're paying the minimum amount due. The rep I talked to agreed with me that the AutoPay feature was deceptive. Then BOA misstated its Regulation Z billing error resolution obligations : when I tried to dispute the fee I was told that only merchandise disputes are errors. 

Longer summary : I set up AutoPay on my Bank of America credit card and I found the options very confusing. Ultimately I chose the wrong one and incurred fees that I shouldn't have incurred. I wanted to choose the AutoPay option that would automatically pay the full amount due on the card every month. Of the options available, the first one was " Amount Due. '' The second option was " Minimum Amount Due. '' Because I knew that I didn't want to pay the minimum, I wanted to pay the full amount on the card, I chose the first option. After incurring a {$28.00} interest fee, I called BOA. A call representative told me that " Amount Due '' was not actually the amount due on the statement, it was in fact the " Minimum Amount Due. '' He said that there was no difference between the two options. When I said that I thought this was deceptive, he agreed. He said that BOA was working through various options which was why they were both listed. He refused to refund me the interest fee and told me that no supervisors were available to speak with me. When I said that I wanted to dispute the interest charge, he told me that a disputed fee was not an error, only a merchandise dispute was an error. Obviously that's not true -- there are lots of billing errors that aren't merchandise disputes. Then I talked with another rep to close my credit card and she also agreed that credit cards have deceptive features and that I should make a complaint so that BOA could fix the problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have on numerous occasions tried to have this debt removed off my credit reports from this company. It is showing that I have a total of 3 credit cards with all negative balances and maxed out how is that possible as previous stated I have been a victim of ID THEFT even with the internal revenue to the point I have a specialized pin I use to my federal income taxes. I can verify that I only opened one of the credit cards and I still have that one card in my possession ending in XXXX. Please see what can be done so that the company removes this information on my report because it is negatively impacting my character and credit history any assistance that you can provide will be greatly appreciated the account numbers that are in question are : # XXXX balance is also showing for XXXX and also XXXX now how can a company say I owe this many cards if the first one is defaulted why are they issuing more cards this information needs to be updated and removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
FTC Violations XXXX XXXX XXXX {$20000.00} # XXXX XXXX XXXX {$350.00} # XXXX XXXX XXXX {$66.00} # XXXX XXXX XXXX {$79.00} # XXXX XXXX XXXX XXXX XXXX XXXX  {$230.00} # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. {$780.00} # XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} # XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} # XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX of 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 2018-11-07
Company: HYUNDAI CAPITAL AMERICA
State: NV
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I have a problem with XXXX XXXX on our final bill. When I turned the car in, it was in perfect shape. I've always leased my cars ( 45 years ) and always turned them in in great shape. I've never been told I owe any thing for ware and tear. I was told by XXXX that I owed {$510.00} for ware and tear. They said I had an accident and I would have to send them the repair bill. It was repaired by a reputable company, so I sent them copies of the repair paperwork. They told me if I sent them the paperwork they would adjust the final bill. They said it was to old and they wouldn't except it. I told them it was from when I had the accident, and they said it was to long ago. They sent me a letter stating they would accept a lower amount, which I declined. By that time they had already ruined my credit. 
I not only don't owe the {$510.00}, I want my credit restored. It was XXXX before this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-30
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I had deposited a check for {$13000.00} on XX/XX/XXXX in my saving account number XXXX with US Bank in XXXX XXXX, CA branch. Check was from credit card from XXXX XXXX XXXX. XXXX XXXX XXXX real SED the check to US Bank on XXXX.on the day of depositing US Bank gave me a letter that would release as two part that the last part would be XX/XX/XXXX. I tried to transfer if part suposdy is realer while ago to my checking account but didnt let me do. I called customer service they sent me to branch! In branch about two hours I tried to see why I have no access to my money, even I asked them several times to close my account verbally and by faxing them in written. Then they called to my sister that had no business on this saving account and gave up my privet information to third party. 
I have right to close my account anytime I want. But US BANK IS AGAINST LAW NOT ONLY DENIED MY LEGAL REQUEST BUT HOLDING MY MONEY AGSINST MY CONSENT FROM XX/XX/XXXX and causing fainacial and social damage to me and my reputation. 
They should not only close my account upon my request but also pay me interest plus APR and punitive damage they have did.they should be punished for breaking law and limiting my right in accordance with constitution and federal laws and state law.

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 2020-08-20
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2019 XXXX XXXX XXXX accessed my credit report without my consent. I filed disputes with Equifax and XXXX  to no avail. I have not lived in XXXX in over 7 years so there is no reason for this inquiry to be on my report for XX/XX/2019. 

XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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: Investigation took more than 30 days

Complaint:
After sending information to verify myself with my disputes, TransUnion has violated the FCRA 30-day-to-respond to my disputes. The following items in question should be removed from my credit report. This is a serious ongoing issue with them. 

Any claim to have investigated the issues is false since there has been no contact with me resulting from said investigations. 

XXXX  XXXX XXXX XXXX not mine INQUIRIES XXXXXXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXXXXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized

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 2018-11-07
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I let Speedy Cash know that I am in a hardship situation at the moment and I can not afford the payment at the moment. They keep trying to take different amounts of money out of my personal bank account almost everyday until I had to finally block them. I do not have any money in the account and XXXX XXXX XXXX keeps charging me {$35.00} NFS fee each time they continue to do this. Then they continue to calling me and harrrassing me every day while I'm trying to work. I don't know what else to do about this horrific situation and it's affecting my work performance and making my supervisor annoyed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Recently it has come to our attention that our student loan through Wells Fargo has been increasing the amount of our remaining loan principal despite making payments monthly. The initial loan amount for one of the loans was {$17000.00} and that went into repayment on XX/XX/XXXX. The interest rate on this loan is a variable interest rate and is currently at 11.24 % interest. However, in nearly 7 years of making payments the balance on the loan as of the last statement for XX/XX/XXXX is {$17000.00}. We believe that this is a result of predatory lending. On the statement it even shows that we have paid a total of {$20000.00} with {$6000.00} of that supposedly going towards principal. 
Our second loan also went into repayment on XX/XX/XXXX but that initial loan amount was for {$8000.00}. The variable interest rate on this loan is currently 5.25 %. As of the XX/XX/XXXX statement it has said that we have paid a total of {$5800.00} with {$3300.00} of that being principal. However the remaining loan principal on this account is {$6100.00}. 

We believe that both of these loans were included in the XXXX predatory lending case, but were never sent any information about a class action. 
Wells Fargo will not talk to us as the primary acou t holders and ONLY contact the co-signers. 
Just going off of simple math, we shouldnt still have balances that high.

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