BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-24
Company: Commercial Recovery Systems
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A company named XXXX XXXX XXXX called my sister saying that I am involved in a civil lawsuit and that I need to call them immediately. They told her that I owe money that I am going to court and get sued if I do not call back. They said to give them a call at XXXX and tell them case number. I call them back and they say I owe them XXXX $ and if I do not pay it right this second they will increase the amount send me to court and I would pay thousands in litigation and court fees. They claim this amount is owed from XXXX XXXX which closed years ago and I have never ever received a notification from them, this is the first time I had ever heard about this. We call them back and tell them it is illegal to inform a third party of any legal troubles a person might have and that it is illegal to sue or threaten to sue. They keep transferring us to different people and everyone acts dumb saying that they contract other companies to make those phone calls and they ca n't control that. They hung up on us 4 times. They are a debt collector, claiming to be a law firm.

Company response to consumer: Untimely response
Consumer complaint received 2020-02-20
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Speedy Cash XXXX XXXX XXXX XXXX {$300.00} This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX   and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
To whom it may concern, I was advised to write to you concerning my credit rating. Unfortunately 2 years ago I was in a financial dilemma due to job loss and health issues. As a result 4 of my payments between XX/XX/XXXX thru XX/XX/XXXX were delayed. I managed to borrow the money to cover the late payments. I paid those payments ranging from 30 to 90 days on four occassions in a four month period but I made sure to fulfill my obligation to ensure Capital One suffered no loss. I'm thankful and appreciative for the years Capital One has provided for me and my family but know those 4 late payments are hurting my efforts for me and my family tremendously. I'm trying to start my business by being a entrepreneur. I have called several times asking for a Forgiveness Act, Goodwill Request, etc ... I also inquired about a UDF ( Universal Data Form ) to send to the credit bureaus to remove these entries. I even mailed them a copy of Sec.4021 credit protection during covid-19 even though the government made it official in XX/XX/XXXX there were reports before then. I quote from which it states report the credit obligation as current or if the credit obligation or account was delinquent before the accommodation. If the consumer brings the credit obligation or account current during that period described in item ( XXXX  ) report the credit obligation or account current.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: Social Finance, Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been working with SoFi since XXXX for a home refinance. I started this process and selected their company as they offered a competitive rate ( historic lows ) and low closing costs. I would have selected another bank in fact if their closing costs they represented were actually accurate to what they then modified throughout the process - as their rate was not the lowest. Since XXXX, I am still in the closing process, and have in fact had my closing scheduled and canceled Bc of disorganization or what appears now to be discriminatory behavior on their end. The amount of documentation, and verified, credit cards information, multiple credit runs, employment verification over and over this 5 month process has been unimaginable. I have complied in every attempt to make this work, but it appears this bank does not want to proceed with this refinance for some reasons. I have excellent credit, payment history and employment, so there is no reason this loan should be denied. Im at a loss and frustrated that i have not been afforded the opportunity to get a more competitive rate in the market Bc of the actions of this company. The have lied throughout the processes making it impossible for me to move on to another institution to take advantages of the rates in a timely manner. As they will see from my document history I provided nearly all documents in less than 3 days keeping the process moving. The screen shot attached shows my compliance since XXXX and my showing as XX/XX/XXXX ( even though its 2 days away and they requested 2 more documents today and have not scheduled a closing ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: WELLS FARGO & COMPANY
State: SC
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:
hello Resolution of a claim with a ghost company from XXXX : XXXX XXXX : XXXX I did a claim to my bank wells Fargo I did some purchase last year, but I never got the merchandise, so I did a claim to my bank because I did this purchases through my account with them. they did some research and refund the money to my account, and on XX/XX/2020 they withdrawn again the money from my account {$760.00} saying I did not response for the investigation, they never told me they were keep doing research, they took a month to refund the money to my account, and send me a new card for protection, I don't speak XXXX, my wife is doing this for me, they said they called me but probably in XXXX and they said they send me a letter for more information, when I did the claim it took me over a hour and gave all the details, the dates and the merchandise, never was told they were doing more research, though after a month they did it, and for the reason they refund my money, I need my money I am a salary person, I have a family and {$760.00} is a lot of money for me to just be taking off, I need help to get this money back, I did not know this company is a ghost company, and do frauds, I thought they as my bank will support me as his customer.

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 2019-01-24
Company: Flagstar Bank, N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I received a IRS XXXX XXXX form from FlagStar Bank. Upon reviewing the document, on the interest statement portion, the bank lists a savings account of {$300.00} in interest income. I have never had a savings account at FlagStar which listed account number XXXX. I called FlagStar on  XX/XX/XXXX and spoke with XXXX from the Financial Crimes Unit, who was absolutely no help, she made up excuses and did not want to hear my concerns, she would clear as day *** huff and puff XXXX at me on the phone. I believe the bank is falsifying income that does not exist. I never had a Savings account with them nor ever had an account number of XXXX. This bank is full of XXXX and excuses. I am glad that they closed my checking account on XX/XX/XXXX. Who wants to bank with a bunch of thieves and liars. Corporations like this think they are untouchable and that they cant be sued or fined for bogus acts such as this. They are soon to find out, when i prepare for a {$500000.00} lawsuit for creating bogus accounts with fake, falsified income that never existed. This checking account was a merger from XXXX XXXX to FlagStar, and if correctly, remembered XXXX XXXX was opening bogus accounts and had to settle with many customers. Apparently, FlagStar is following suit.

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 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 disputed a number of accounts with all three of the major bureaus in XXXX of this year. I requested a number of things to be corrected or deleted and I have still received nothing and it is now XXXX which is 4 months later. This is completely unacceptable and I will be attaching every letter that i sent as well as proof of delivery to each bureau as i sent my letters certified mail. Under the FCRA this is a major violation and I demand all items removed 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 non-monetary relief
Consumer complaint received 2020-02-20
Company: CITIBANK, N.A.
State: HI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
a best buy credit card through Citibank has my name associated with it. this is fraud as I know nothing about the account other than it is on my credit report. best buy says they can do nothing, Citibank demands I verify an account I know nothing about other than someone added my name to it. I am not the primary or the secondary account holder I am somehow associated with this account as it is on my credit report overdrawn and whomever owns it has stopped paying on it. I initiated investigations with XXXX  but they alos have done nothing other than verify said account exists. again this is fraud!

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 2021-03-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021, I received an email alert from Chase stating that there was an ongoing wire transfer of {$8700.00} debited from the account that afternoon. Knowing this was NOT me, as the wire transfer was to a stranger in a completely different state, I immediately called to report fraud. The employee at Chase said my mother, with who I share the Chase account, confirmed the transaction. We then went on a joint call and confirmed that neither of us confirmed this transaction. Chase proceeded to tell us that we have to wait up to 10 business days to receive an affidavit, sign, and return it, and 5 days later an investigation will begin for the fraudulent transaction. The pending wire transfer is not being stopped, the money is not being put back into my account, as well as freezing my account until the investigation is over, in about two weeks. This is my primary source of funds. Not only have I lost {$8700.00} by someone easily logging in to the account, but now I have no access to my funds. The security at Chase did not protect my account or my joint account with my mother. A stranger easily logged in and took money, and Chase is not doing anything immediately to fix the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have received multiple calls from capio partners, most recently today XX/XX/2020 about a medical debt they claim I owe. They do not have any information on who the company is that they are trying to collect on behalf of, when I asked if they could get me information on the debt they told me to call my insurance company and figure it out and hung up on me. This happened more that 7 times. Every time I would ask if they could get me the information because they are the ones who called me, they said " we already told you to call your insurance company XXXX from 3 years ago ) and that there was nothing else they could do '' and they would hang up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-20
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I disputed my information with Experian, XXXX, and XXXX on XX/XX/2020 and the problem hasnt been corrected. Its been over 30 days

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 2022-08-10
Company: EQUIFAX, INC.
State: OR
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:
Ive disputed two auto loans that I worked very hard to pay off. I paid them off and they keep showing up on my equifax XXXX XXXX report. I have disputed several times and they refuse correct the problem. A company with the power to effect peoples lives should pay attention and do their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: EQUIFAX, INC.
State: NJ
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/XXXX I sent a letter to the credit bureau in regards to items on my credit report that were inaccurate. It has been over 30 days and I still have not received a response and it has been a huge burden for me effecting my ability to apply for loans, both personal and for my business. According to the law I should have received a response to my disputes by now or the items should have been deleted/updated. I checked my credit score again a few days ago and the same items I disputed remain on my report and have not been updated. Some of the items on the credit report show late payments that I was not aware of. I take paying my bills on time very seriously. As I mentioned, I am a XXXX XXXX  and COVID-19 has affected my business and ultimately affected my finances. To my understanding the CARES Act went in to effect in XX/XX/XXXX and was suppose to protect individuals like myself from creditors reporting late payments on my credit report. The credit bureau can review my credit report and see that I have always paid my debt on time if not early prior to Covid 19. My credit report shows that I was never late until Covid -19 took the world by storm. To date, even with Covid-19 still lingering I have made every effort to make my payments on time. The credit bureau should have not put " late payments '' on my credit report per the CARES Act, it has effected my credit score greatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: Cottonwood Financial Ltd.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I took out my second loan with the cash store in XX/XX/XXXX with plans to pay it back. I do not remember the exact date because i no longer have the forms. Due to an unfortunate change in jobs and income, i wasnt able to repay the loan as i had planned. Around XX/XX/XXXX their collection agency called me and asked about the money and if i had it. When i said i didnt have the money and i wasnt sure when Id be able to, the guy on the phone immediately threatened to sue and said i could go to jail. Now on XX/XX/XXXX, i received a call, not even sure from who. Threatening to take me to court unless i decided to make a payment arrangement of some sort. The lady on the phone not only had an attitude, but after i said i didnt plan on going to court. She explained that they would take me if i didnt make some sort of arrangement and when i said okay she immediately said we are going to take this to court then, thank you. Bye and hung up the phone. Im not sure if this a scare tactic or an actual problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Signed up for an XXXX Credit Card with Chase. Met the spending the requirement to get the promotion miles bonus. Earned around XXXX miles which showed in credit card Statement. However, those miles never posted to my account. Called three times in XX/XX/2018. Sent secure message in XX/XX/2018. However, the problem is still not solved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-13
Company: Fidelity National Information Services, Inc. (FNIS)
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:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

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 2022-08-10
Company: Experian Information Solutions Inc.
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 status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX ( CA ) reported to Experian XXXX XXXX on XX/XX/XXXX to delete their collections account from my credit reports due to being paid in full. I checked XXXX on the morning of XX/XX/XXXX and Experian has refused to remove the aforementioned collections account for {$1200.00}. They place negative information within seconds of receiving the information but consumers have to fight and file complaints to get positive information/ effects on our credit report. 
I have a release of liability from XXXX XXXX XXXX XXXX XXXX ; who have been very proactive in removing negative information from my credit report. I also have screenshots of my Experian credit report as of XX/XX/XXXX. 
I am an XXXX XXXX XXXX XXXX XXXX XXXX Veteran and trying to use my VA home loan to buy a house for my family; and Experian is obstructing my efforts. 
Experian needs to be fined and sanctions inflicted on them for their refusal to properly report consumers positive credit repair efforts.

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 2021-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This Debt is 10 Years old. And was purchased by this company and redated. I have tried to reach them and was unable to. I reached out to TransUnion.. Neither could give me any proof that this was a new debt and not an old one rebought. This dept was from XXXX. This is VERY old. and Unfair practice. 
Name XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type open Loan Type COLLECTION AGENCY/ATTORNEY Balance {$1000.00} Original Amount {$1000.00} Original Creditor XXXX XXXX XXXX ( Financial ) Past Due {$1000.00}

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 2020-11-28
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: Their investigation did not fix an error on your report

Complaint:
I reported to Transunion that XXXX XXXX XXXX, is attempting to collect on a account that is already being reported/collected by Consumer Adjustments on both Transunion and XX/XX/XXXX. But they deemed my dispute inaccurate, and the information was correct. I just need this account to be collected my one agency, not two at once.

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 2021-08-30
Company: ACIMA CREDIT, LLC
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: Was not notified of investigation status or results

Complaint:
This account is being reported as Collection/Charge-Off.

Company response to consumer: Closed with explanation