BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-09
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX  XXXX Bankruptcy Reference # : XX/XX/2021 Reference # : 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 2022-08-11
Company: Credit Control, LLC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/22, {$1100.00}. This debt was settled with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2019, I had 8 pending charges ranging from {$0.00} being the smallest to {$140.00} being the largest. The attached statement from my online banking account will reflect that the balance of my account beginning XX/XX/2019 was {$110.00} after the first entry for that date was credited as a deposit of {$55.00}. The overnight reorganization and posting of debits/credits occurring on XX/XX/2019, reflect that the {$110.00} covered 7 of those pending charges with an ending balance of {$48.00}. The last of those pending charges remained pending on XX/XX/2019. On XX/XX/2019, Regions Bank assessed 6 overdraft fees associated with the 7 charges that posted that day at {$36.00} each, resulting in fees in the amount of {$210.00}. On XX/XX/2019, Regions sent a notice with some kind of reorganizing debit math formula to validate their {$210.00} worth of fees that they claim are overdraft fees for their payment of the 7 charges on my behalf. However, the online banking statement clearly shows that those 7 debits were paid with my own money, leaving a balance in my account of {$48.00}. As of XX/XX/2019, there was still a pending charge for {$140.00}, which had not yet posted, but for which 1 overdraft fee should be rightfully incurred once the pending charge is actually posted to the account. It seems unethical to me that a bank can assess overdraft charges based on a pending payment that has not yet posted and claim that the pending payment caused charges that previously posted to overdraft the account when there was a {$48.00} balance in the account after those charges had posted. I thought this may perhaps be an error, so I went to a local branch of the bank where a teller attempted to explain that the pending charge of {$140.00} was posted to the account before the other 7 charges, which caused the 7 overdrafts, but as a courtesy they only assessed 6 overdraft fees. A courtesy? Every single one of those 7 charges were paid with my own money with a positive balance left over, for which they charged me {$210.00} in overdraft fees, but it was a courtesy to me that they only charged for 6 and not 7? As my online statement clearly reflects, the other 7 charges were posted to the account before the {$140.00}, as the charge for {$140.00} remains pending as I write this complaint. The teller was not able to provide any printout or evidence other than her word that the {$140.00} charge posted before the other 7 charges that were posted on XX/XX/2019, nor was she willing to refund any of the fees. The only evidence that exists of the posting order of the charges on XX/XX/2019 is the online statement I have attached hereto, which shows 7 debits posted with a balance of {$48.00} and a pending debit of {$140.00}.

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 2018-05-22
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection notice for the astronomical amount of {$3200.00} in insurance case where I was the victim from XXXX XXXX insurance and ANFI. I have filed a complaint with the state insurance office who regulates XXXX XXXX insurance and have a bill from XXXX XXXX and the car company thats says I owe XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: Hampton & Hampton Collections LLC
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I am not sure how or what this company did to have the right to with draw money from my account when I had no services through XXXX XXXX XXXX XX/XX/2019 $ XXXX $ XXXX {$40.00} Thank you

Company response to consumer: Untimely response
Consumer complaint received 2019-05-07
Company: HYUNDAI CAPITAL AMERICA
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 information incorrect

Complaint:
Kia Motor Finance has a collection on my credit file being handled by XXXX XXXX  XXXX. I made an arrangement to settle the debt with XXXX where they agreed to remove the remaining balance from my credit files. They did NOT REMOVE THIS BALANCE. I have disputed the balance with all three credit bureaus and filed a cfpb complaint for that process. 

I am filing this complaint against Kia Motor Finance because section 623 of the FCRA provides the SAME 30 DAY TIME FRAME for handling disputes for the data furnisher that it does for the credit bureaus. 

It is a violation of federal law to leave a balance owing when I settled the balance in full with an agreement to remove it. 

Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: TCF NATIONAL BANK
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
My tax refund for my XXXX federal taxes was deposited into someone elses account on XX/XX/XXXX. I bank with XXXX XXXX, my refund went into a TCF Bank account- not in my name. 
I gave contacted the Irs, several occasions, most recent time was in XX/XX/XXXX, stating that they requested the money back from TCF, with a 90 day window to respond. TCF never responded. IRS at this point tells me I have to go and deal with the bank directly. 
Before I contacted the IRS in XXXX, the IRS completed a money tracing, I got a letter stating the account and institution that the l mi bet was deposited, it was aTCF bank. I went in to local TCF branch, bank manager confirmed that my refund was indeed deposited into the account the Irs sent. He stated that someone at the bank had made a mistake clearing this refund into an account not matching the refund name and social security #. He took copies of all the documentation as well as my personal information, stated that it would be submitted to the fraud department. No one ever contacted me.

Again, I just contacted the Fraud department at TCF, spend about 2 hours on the phone with them, first person I spoke with confirmed the deposit, however stated that the bank couldnt do anything for me since I was not a client. Advised to called IRS again. I asked to be transferred to someone else, again the transaction was verified, I was told that the would be able to submit a refund request from that account, he placed my call on hold and came back to the line and stated that he was incorrect that I have to have a 3 way with the IRS for them ( irs ) to confirm it was my deposit. 
This has been going for about a year, I keep going by what the IRS is telling me, at this point I am extremely frustrated and dont know where else to turn, this refund was a little over {$4000.00}. 
I need help!! 

Ps I have filed a police report as well. It is still pending investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
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:
On XX/XX/2019, my wife 's wallet was stolen from her office. She called USAA and all the other credit companies immediately to report her wallet/card ( s ) stolen. USAA turned off the wrong card. We began relieving text alerts of suspicious charges which we immediately called USAA to report as unauthorized. At this time they assured us the card was turned off and no further charges would be authorized. However, we continued to see charges populate on the turned off card. We called back, they again assured us the card ( s ) were turned off and we would not be responsible for the charges. The charges in dispute were taken off our account and days later they were put back on. We were told we would be responsible for the charges, as the USAA fraud committee determined that since, 'the thief used the chip on card, it can not be fraudulent and we are responsible for the charges '

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-06
Company: Mr. Cooper Group 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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: BARCLAYS BANK DELAWARE
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2022-08-11
Company: Experian Information Solutions Inc.
State: IN
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:
See attached documents - violation of my federal rights to privacy 15 USC 1681 ( a ) ( 2 ) and 15 USC 1681 ( a ) ( 2 )

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 2021-09-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Entered Motion to Open Default Judgment on XX/XX/21 in court of common pleas and Judge still has not opened or viewed case discrepancies, complaint and continues to allow unlawful illegal and severe misrepresentation on behalf of the counsel hired by XXXX. There is no legal assignment of mortgage to Deutsche Bank National Trust Company ever received per the FDCPA, FCRA, RESPA and other state and federal laws stipulate. Case needs to be reviewed by another judge other than Judge XXXX XXXX as this judge is very biased and refuses to apply legal laws that protects homeowners and citizens in the commonwealth of Pennsylvania.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
showing inaccurate items on my credit that are not mine federal law said you have the right to dispute items that are 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 2019-02-18
Company: Account Control Technology, Inc.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
On XX/XX/19, Id found out I allegedly had an outstanding federal student loan owing an estimated $ XXXX so I requested paperwork and proof of the loan before I considered even setting up any type of payment plan with them. I asked for them to send me the paperwork and two people at ACT pushed  me to give my bank account information prior to reviewing paperwork. After Id confirmed my physical address with them and phone number, I asked to please wait until XX/XX/19 and that after reviewing everything if everything was accurate, Id call back and set up a payment then. I was given XXXX number : XXXX and said Id call him at around XXXX PT. On XX/XX/19, Id received a call at XXXX PT from XXXX with no message left. This has been recorded on my phone with a screenshot.

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 2018-05-22
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
i send a {$300.00} moneygram to XXXX. when he went to retreive the money. they were unable to look up the reference number. they want me to contact moneygram, which i did they told me to tell my nephew. to tell the agent in XXXX to call them while he is still there. which he did, all to no avail. i later went to XXXX where i made the money order they call moneygram and put me on the phone. they start asking me questions about why i send the money, who am sending to, and what the money am sending is for. at this point i start to get mad because this was not my first time sending money through moneygram, i have send as much as {$1000.00} before and nobdy make a big deal about it. i ask some of my fellow XXXX over here if they have experience anything like this.to my surprise the have, and because of that most of them have stop tranfering money throughj moneygram. the only solution i got from them is that the money been picked up but they cant tell me who pick up the money or the location the money was picked from. they gave me a complain case number, and that they going to do their investigation, which can last anywhere from 1 day to 90 days. i feel like they rob me off my money and say there is nothing you can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: Nelnet, Inc.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: Social Finance, Inc.
State: AL
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:
XXXX is WILLINGLY breaking the law by not blocking information that I have stated is a result of Identity Theft. I have sent in my Identity Theft affadavit and they are still refusing to block an account with Sofi Lending. 

XXXX said they have to treat it as a " Dispute '', which makes no sense since a dispute asserts a specific inaccuracy in reported information, which could broadly apply to anything, ranging from the spelling of the consumer 's name to the legitimacy of the debt. The implications of a positive resolution of a dispute is confined only to a finding with respect to the specific information identified in the dispute, which is not necessarily related to the ultimate legitimacy of the debt. 

My assertion is that I never authorized any account upon which the asserted debt is based, so the proper procedure is to get the information blocked from my credit report is by using the identity theft process set forth in FCRA 605 B. This process does not include any involvement of the reporting party, and is based only on the assertion by the consumer provided it is accompanied by a police report. As I have fulfulled this, XXXX is breaking the law by not blocking this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: BARCLAYS BANK DELAWARE
State: NY
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: Billing dispute for services

Complaint:
Summer of 2020 i did not receive a statement from a credit card company for XXXX informed the card company they refunded the missed payment fee but reported the missed payment to the credit bureau subsequently my credit rating went from XXXX to XXXX and to this date is only XXXX this was during the height of covid the bank was barkley

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