BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-03
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Notice for Proof of Claim Account : ENHANCED RECOVERY # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment  of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an  attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be  assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: EQUIFAX, INC.
State: NH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried numerous times to have erroneous accounts from XXXX XXXX XXXX for XXXX dollars, from my account. I have disputed this account with every other credit reporting agency, and every other agency has removed this account from the report. I have stated time, and time again that I have no knowledge of this account ; never received communication from this account ; and have no idea where this {$120.00} amount came from. Each time I submit a dispute, Equifax comes back and says " this account has been validated to belong to you ''. Furthermore, when I try and log into the dispute results, I get error messages saying they need more information to verify me. Yet when I call the number, I can't get through. With everything this company has put people through, I find it completely disgusting that they refuse to remove an erroneous account, when every other credit reporting agency has done so. I want this account removed and I want explanation from Equifax as to why it's so difficult to get any resolution from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I opened a citi double cash card the beginning of XXXX and still have not received. They keep telling me they will resend a replacement card and still have not received it. They have told me that they have sent it out 3 times but yet still have not gotten the card. I have called to complain but they still havent resolved it. They wont overnight me the card. Its getting absurd at this point. I have never had so much grief for opening a credit card.

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 2019-08-14
Company: MoneyLion Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/2019 I want to end my membership with the Moneylion app. I had to pay remaining balance of a loan of {$500.00} in which I had XXXX left. I paid the balance in full. The money was never withdraw from my account and when I contacted their loan department they stated I had insufficient funds. I checked my account thats linked to the app and that wasnt the case. I continue to use the app until I receive a notice of them add more charges to each account for investors. I then attempted to payout loan on XX/XX/2019 the day after Im paid and they stated again insufficient funds available. I then realize that they were try to keep me lock in using the app to prevent me from paying loan off and hold my {$830.00} investment holdings. They no longer answer phone nor do you receive hold call back from agents being on other calls. The support emails can not be responsive due to auto generated close ticket numbers given.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
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: Old information reappears or never goes away

Complaint:
XXXX XXXX is restarting the reporting clock on an account in my name unlawfully. XXXX XXXX canceled said account in XXXX of XXXX after not receiving a payment since XXXX of XXXX. They charged off this account in XXXX, but they re-reported it as a charge off in XXXX of XXXX and that has restarted the reporting clock with the three credit bureaus. They acknowledge the debt is very old because in the last quarter of XXXX, they began sending letters to my address stating that this account is so old that they can not legally sue me for the account that is in my name. I have not had any contact with them regarding this account in any way shape or form. I do not, nor have I acknowledged this debt belongs to me with them. I have documentation showing that they have not received any payments since XX/XX/XXXX, so therefore that started the clock for the first delinquency because they have never received any form of payment, nor have they had any communication with me since then. The amount that they are still reporting has not changed for years as well, thus also proving that they have not received any payments on this account to lead them to restart the clock as well. I do not acknowledge that this is my debt. I am solely writing this to make a complaint against XXXX XXXX and to show that they are inaccurately reporting information to the XXXX credit bureaus. I have been denied a housing loan because of this. When they started to report that this account was recently charged off, as opposed to the truth, being that it was charged off in XXXX, it made my credit score drop dramatically. I have disputed this information with the three credit bureaus and they have all stated that XXXX XXXX has verified this information. I have plenty of documentation showing that they are falsely reporting delinquency and charge off dates.

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 2019-08-14
Company: EQUIFAX, INC.
State: IN
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 following accounts are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation.. They have provided information while knowing or having reasonable cause to believe that the information was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 following accounts are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation.. They have provided information while knowing or having reasonable cause to believe that the information was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint XXXX  XXXX, XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX  ( Original Creditor : XXXX XXXX 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 2020-09-03
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XX/XX/2020 I sent letters requesting that the accuracy of the information on my credit report be investigated. After 30 days the information came back verified. Once information came back verified, XXXX XXXX contacted me. I again questioned the validity of the information. XXXX XXXX sent me a contract with no letterhead, information missing although there was a dollar amount associated with it. I agree contacted XXXX XXXX upon which they sent the exact same incomplete information. XX/XX/XXXX and XX/XX/XXXX XXXX XXXX sent out invalid documents to prove accurately that I own the debt among with an incomplete ledger. Recording of the agent agreeing the information is inaccurate

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 2018-05-19
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:
XXXX XXXX XXXX XXXX is reporting that i am 115 days pass due on an auto loan. They submitted the incorrect information to my gap insurance that is refusing to pay for a vechile that has been declared a total loss. In XX/XX/2018 they mailed me a letter stating that my report has or will be suppressed until they receive payment from my GAP insurance company, but they have been reporting anyway. I have contacted all three credit bureaus that they are reporting incorrect information. I submitted the letter for them to delete the information and they refused to delete it. It is hurting my credit tremendously, by showing that i am 115 days pass due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I called Citibank customer service but the call wasn't answered by Citibank, it was answered by an OUTSOURCED CALL CENTER called XXXX. The website is XXXX. According to the website, XXXX employees answer the calls from home. I have reason to believe my financial information was compromised by enabling agents working for XXXX who aren't even Citibank employees to answer Citibank customer service calls which entail personal financial information from their homes. What is the security of information used by the outsourced XXXX employees? What physical security is in place in people 's homes to prevent misuse of my private information? In addition to privacy concerns, I also believe Citibank has developed this outsourcing program as part of the company 's systemic XXXX  and XXXX  to avoid paying benefits and providing job security to women and persons of XXXX who often take call center roles.

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 2020-09-03
Company: FIRST CITIZENS BANCSHARES, INC.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 I went to the official First Citizens website and saw a simple offer of open a new checking account and use the debit card 10 times within 90 days and then I was expecting to receive {$300.00} deposit. This bank has not paid me a XXXX. This has been deception and false advertising. The bank has not made good on their public offer!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-23
Company: EQUIFAX, 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:
I have submitted various pieces of evidence to these companies showing these accounts were frauduent or incorrect. I have been dealing with this for several months, and the agencies are using illegal practices not reviewing my information and documentation. They have also claimed they never received my letters, or simply tried to verify them throught the E-OSCAR system. My credit has suffered as a result, and I am making you all aware before I seek counsel against these agencies for the distress this has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: AMERICAN EXPRESS COMPANY
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: Old information reappears or never goes away

Complaint:
American Express is restarting the reporting clock on an account in my name unlawfully. American Express canceled said account in XXXX of XXXX after not receiving a payment since XXXX of XXXX. They charged off this account in XXXX, but they re-reported it as a charge off in XXXX of XXXX and that has restarted the reporting clock with the three credit bureaus. They acknowledge the debt is very old because in the last quarter of XXXX, they began sending letters to my address stating that this account is so old that they can not legally sue me for the account that is in my name. I have not had any contact with them regarding this account in any way shape or form. I do not, nor have I acknowledged this debt belongs to me with them. I have documentation showing that they have not received any payments since XX/XX/XXXX, so therefore that started the clock for the first delinquency because they have never received any form of payment, nor have they had any communication with me since then. The amount that they are still reporting has not changed for years as well, thus also proving that they have not received any payments on this account to lead them to restart the clock as well. I do not acknowledge that this is my debt. I am solely writing this to make a complaint against American Express and to show that they are inaccurately reporting information to the three credit bureaus. I have been denied a housing loan because of this. When they started to report that this account was recently charged off, as opposed to the truth, being that it was charged off in XXXX, it made my credit score drop dramatically. I have disputed this information with the three credit bureaus and they have all stated that American Express has verified this information. I have plenty of documentation showing that they are falsely reporting delinquency and charge off dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: SYNCHRONY FINANCIAL
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The creditor, XXXX XXXX, has repeatedly called me, sometimes 3-4 times a day, throughout the day. And from various phone numbers. I have said twice to them now that they needed to cease the continuous calling or else I would either report them or seek legal action against them. They chose not to relent and continue on. I'm making payments incrementally, as I am able to. But they are literally the worst Creditor I have ever dealt with. They are venomous. 

They have called me from : XXXX : -XX/XX/XXXX at XXXX and XXXX. 
-XX/XX/XXXX at XXXX, XXXX, XXXX, XXXX and XXXX -XX/XX/XXXX at XXXX, XXXX, XXXX, XXXX, XXXX -XX/XX/XXXX at XXXX, XXXX, XXXX, XXXX XXXX : XX/XX/XXXX at XXXX, XXXX, XXXX and XXXX XX/XX/XXXX at XXXX, XXXX, XXXX, XXXX XX/XX/XXXX at XXXX, XXXX XXXX : XX/XX/XXXX at 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 2020-12-08
Company: WELLS FARGO & COMPANY
State: NY
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:
I had an account with Wells Fargo Account # XXXX Which I had paid off back in 2016. I have checked my credit report and notice several discrepancies. 1. The Last payment made differs drastically between the bureaus 2. No First delinquency date is listed, this is important since it lets me know when this account will be remove. I have sent a letter to XXXX, XXXX  and XXXX  and to no avail did any corrections happen. It seems they get the data from the same source Wells Fargo which seems to be sending inconsistent data.

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 2020-09-03
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
On Saturday, XX/XX/2020, we went to a US Bank branch ATM machine withdraw money. Due to ATM machine malfunction, it took our cards. I requested US Bank Branch manger to return the cards, he told me once the machine took our cards, they cards are no longer ours and the machine threads them right away ( which I found out later it is not true ). I then called customer service, district manager 's assistant and regional manager 's assistant of US Bank. They refused to do any investigation nor give back my cards even though there was no fault of my own that the ATM took my cards.

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 2018-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Thursday, XX/XX/2018 I received the below email from Capital One 360 stating that my accounts had been restricted until my recent activity can be verified. However, on Friday, XX/XX/XXXX they accepted the deposit of my paycheck through ACH. 

" We're restricting your Capital One 360 account ( s ) until we can verify your recent account activity. 
We may contact you to confirm this activity. Based on the results of our review, your account ( s ) may be closed and your balance - plus all interest earned - will be transferred to your linked external checking account. 
Questions? Give us a call at XXXX. We're available Monday-Friday XXXX XXXX.-XXXX XXXX ET. '' Upon calling the number listed in the email I was sent to the voicemail of the Customer Security Intake Team where I left a message. I reached back out to Capital One 360 Customer Support and was told they can give me no information as to why my account is restricted & transferred me to the Customer Security Intake Team 's voicemail to leave another message with the expectation that I would be hearing back from them within 24-48 hours. 

A week has now passed and I have not been able to access my money nor have I been able to speak to someone who can explain to me why I can not access my money. I've made dozens of frustrating calls to Capital One 360, I've left countless voicemails, but it's become very apparent that as a Capital One 360 Customer Support Representative stated to me " they are on their own time '' and don't seem to care about their customers. I've had multiple payments be returned due to " Insufficient Funds '' although there is currently a positive balance in my account to cover those charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: WELLS FARGO & COMPANY
State: NC
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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