BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-06
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
I have a new employer and I want my employer and employment information added to my Equifax, XXXX and XXXX XXXX credit report. Please add the following : Employer : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA XXXX, XXXX, Position : XXXX XXXX XXXX, Annual Salary : {$350000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I found out in credit report a few accounts which were not opened by me. They all were opened in the same period and year. I am sure that was fraud because I have never opened them before. I never gave permission to open them and did not sign any documents. Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2018-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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/XXXX there was an unauthorized charge on my credit card for the amount of {$6000.00}. I opened a dispute with Capital One and they credited my account while the dispute was investigated. On XX/XX/XXXX they reverse the charge back to my credit card and didn't submit any supporting documents of my authorization to the charge. I requested the dispute to be reinvestigated in XX/XX/XXXX and till this day they still haven't provided a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
union bank mis directed funds without my consent., over drafted the account now the have sent it to collection to the 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 2020-07-29
Company: CITIBANK, N.A.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have made more than 20 inquiries and complaints regarding my account with Citi to the XXXX XXXX XXXX, their company 's customer service numbers and chat feature via their app. I have been told false information and wasted my money to pay towards this debt in order to be placed in the hardship program, which their representatives refused to place me in even after I did what was said to be required of me. 

Since the covid 19 pandemic my income was drastically reduced, every single one of the companies I have credit cards with worked with me with the exception of theirs.

They have been mostly unreachable via their customer service number for months, long hold times and repeated hang ups.

Over the course of 7 months I have made countless inquiries to citi and was given false information causing my debt to increase in size with excessive fees, despite my attempts to resolve this matter with their customer service department. I was even told on numerous occasions to call back, when I explained if I called back at a later date I would incur another fee, something their representatives should be aware of. Instead of helping me to prevent this, they encouraged more time to pass so more fees would be placed upon my account. 

Even before this pandemic hit when I made a phone payment in XX/XX/2019 their customer service representative directly they told me the wrong amount due and proceeded to charge me a late fee for the following month. This was fault of their customer service and not my own. I have my phone and bank records to prove this.

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 2020-05-20
Company: Santander Consumer USA Holdings Inc.
State: NY
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:
Santander bank has settled charges of Predatory Auto-Lending to low-income and subprime borrowers. As a victim of Santander, they violated my consumer protection laws by placing me ( the borrower ) with subprime credit into an auto loan it knew carried a high probability of default. 

Due to this Santander must remove the defaulted account off my credit report. After numerous letters I have still not received a response to my request

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Allied Collection Services, Inc. (Nevada)
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
i never recd the bill from XXXX  for which i thought paid full as required to transfer service to XXXX XXXX  XXXX.two ago. 
XXXX  send collection without my knowledge to allied collection agency out of XXXX XXXX, i found out when called and demanding and bullying me, i explained i never been late in my life. i had XXXX  service 2 years ago, I paid in full. 
I found it only credit bureau who has this negative remark is XXXX XXXX bad company ). I send request to investigate which they never did and subsequently i call XXXX, they found after reseach i owe them {$210.00}. i paid on spot, same day, once they gave explanation. I check my credit file that still has negative remark. it should removed asap as money i owe to XXXX  money paid full.. nobody care of customer, everyone is running greedy to take dime they can from customer without doing proper job, no customer, except you guys who best interested in consumer well being. pl look this matter and resolved ty ty sincerely XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, az 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 2019-01-17
Company: McCalla Raymer Leibert Pierce, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Dates back to XX/XX/XXXX loan from XXXX XXXX XXXX improper security deed was sold to XXXX XXXX in XX/XX/XXXX then again to XXXX XXXX XXXX XX/XX/XXXX filed Bankruptcy XX/XX/XXXX XXXX XXXX agreed to loan modification with missed payments have statements showing no interest accruing from XX/XX/XXXX thru XX/XX/XXXX payments were to resume with lower interest and lower rate XX/XX/XXXX house fire XX/XX/XXXX attorney realized error on security deed house was free and clear XX/XX/XXXX filed case in court against insurance company and XXXX XXXX XXXX to get funds released for Construction Company to be paid XX/XX/XXXX XXXX XXXX XXXX sold loan to XXXX  XX/XX/XXXX XXXX XXXX XXXX discharged loan with bankruptcy and sent {$1000.00} check for problems XX/XX/XXXX agreed to modify deed to include both parcels with agreement that XXXX was going to give us a contact to work with to get the problem straightened out. XX/XX/XXXX attorney contacted the person XXXX sent information for ... we were given the information. I contacted him and was told we knew nothing about us. Our attorney contacted him again and told me to call him back. Again, he would not talk to us. XX/XX/XXXX we began receiving foreclosure letters. My attorney began sending letters stating that we were working with XXXX. The attorney for XXXX stated they were foreclosure attorneys and that is what they were going to do. XX/XX/XXXX the 1st foreclosure took place. XX/XX/XXXX received XXXX from XXXX regarding foreclosure XX/XX/XXXX received eviction paperwork and appeared in court. This was dismissed because they had only foreclosed on the one acre and we had paperwork showing we owned the house free and clear. My attorney told us they had 30 days to file a motion. XX/XX/XXXX received paperwork from court that they wanted to file for reformation. XX/XX/XXXX after my attorney told me the courts had to do what was legal not equitable and XXXX attorneys lied, left out a lot of information, making it appear that the loan had went directly from XXXX XXXX to XXXX and I had not paid anything since XXXX ; instead of not having paid since the loan modification XXXX and bankruptcy charge. The reformation was allowed. The tax assessor website shows the name change to XXXX XXXX XXXX in XX/XX/XXXX. XX/XX/XXXXthe 2nd Foreclosure took place XX/XX/XXXX I receive a cash for keys offer and my attorney now tells me 'I have never heard of this, take it and see what happens '. I have diligently been calling and emailing anyone and everyone I can think of to try and get this looked at because I don't feel like it is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: EQUIFAX, INC.
State: NY
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 am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to very the accounts i disputed. Being that hey have gone past the 30 day mark and can not verify these account, under section 611 ( 5 ) (  A ) ofthe FCRA - 'they are required to promptly delete all information which can not be verified '' That i have disputed. Please resolve this issue immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2020 - {$990.00} I notified USAA on XX/XX/2020 that there was an unauthorized charged to my savings account. Called every day to their Security Specialist at the bank, they promised they would look at it and call me back. 
They never called bank or write me a letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

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 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

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 2019-01-17
Company: ERC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I DO NOT RECOGIZE ACCOUNT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card was stolen, and someone ran up approximately {$840.00} on it in 1 day. I noticed approximately 24 hours from the first charge, and notified the bank ( CHASE ) immediately. They filed 3 separate claims ( 1 to XXXX, 1 to some place I've never heard of called XXXX XXXX XXXX XXXX XXXX, and 1 to XXXX ) - all used in XXXX, AZ while I have clear evidence which can be substantiated that I was in XXXX, AZ working from home. They initially refunded the money while they investigated, but on XX/XX/XXXX, reversed the refunds. I called them today ( XX/XX/XXXX ) and they stated that " because your PIN was used correctly for the transactions, your claims were denied. '' It is my understanding that, under the Electronic Fund Transfer Act, I am only liable for {$50.00} of the CLEARLY unauthorized charges ( since I reported within 2 days ) and I told that to CHASE claims dept, but they shrugged it off as if they are not bound by that law. The reversals thus far have come out to an amount of {$270.00}. The investigation vs XXXX still seems to be ongoing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-22
Company: ENCORE CAPITAL GROUP INC.
State: CA
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 received a court document ( memorandum of cost after judgement ( Case # involved ) in the mail under my first married last name ( XXXX ) from XXXX XXXX XXXX in the total amount of {$2200.00}. ( XXXX XXXX XXXX in XXXX XXXX, ca ). I went to my local courthouse to see if document was legitimate the court document looked fraudulently no signature or no date stamp from the courthouse. they told me that I had to contact the attorney on paper. I called Midland and spoke with XXXX XXXX ( i believe that was his name ) and asked what is going on. I was advised that a XXXXXXXX XXXX XXXX XXXX was open in my name and this an attempt to collect debit. I told him i never had a XXXX XXXX account this is fraud case and nothing is on my credit report he then changed his mind and said that Midland would send me a fraud packet to fill out. its been almost a week and no packet, i was not informed of what the bank location it is or when this even occurred no dates or anything showing Information or of any charges made, the man on the phone then stated they were gon na issue a wage garnishment. I told Midland I would Sue them if they came after my wages. I filed a Police Report with XXXX Co PD i have a tracking number. i also looked up the case online and found some of interesting stuff there is another female name I saw ( Proof of service of summons and complaint filed showing substituted service on XXXX XXXX, occupant,, mailed on XX/XX/13 ) I don't even know who this person they have a fake address on this document, but whoever has done this has my whole Identity. I will Prosecute to the fullest extent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: Credit Card Receivables Fund Incorporated
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed a debt to XXXX which handed the debt over to Unifund CCR. Unifund took me to court back in XXXX and was awarded a judgement of {$5900.00}, and I have been making {$80.00} a month payments ever since. On XX/XX/XXXX I was contacted by XXXX XXXX from XXXX XXXX XXXX and I was told the debt was given to them. I paid {$2000.00} and was sent a letter stating the debt was settled. I received letter from Unifund on XX/XX/XXXX, from their attorney XXXX XXXX stating that I owed {$1900.00}. I don't recall the exact date but I called and explained that I paid the debt off and sent them a copy of the letter stating it was paid in full. I received another letter on XX/XX/XXXX from XXXX XXXX stating that I still owe the debt and they never authorized any other agency to collect. I called XXXX to explain what happened by they just directed me to Unifund.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The debt collector is trying to collect more than what is owed by charging daily interest to the balance owed and reporting it on my credit report. The initial payment has increased over 300 dollars from the original debt amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: Shellpoint Partners, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a Default correspondence from my mortgage servicer Shellpoint Mortgage Servicing stating that a default is occurring with my mortgage. I recently received correspondence stating that I was approved for a mortgage modification. Correspondence I received did not state the terms of the modification nor did it state terms of the how many years I had on the mortgage, if it was a fixed interest rate or the interest rate. I was expected to remit the 1st trial payment with out receiving that important information. I need to reassured they will not foreclose on my home and when should I remit the first trial payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: Meridian Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/18 I submitted a complaint to your agency : complaint # XXXX regarding Meridian Financial fraudulently and illegally buying and placing numerous accounts on my credit report with fake dates/ amounts so as to show recent and restart clock. 

The results/theyre response was that they were to contact credit bureau within 5-7 business days to have all accounts they placed removed. 

As of last week, only one of the illegally placed 7 accounts were recently removed. However, they have increased amounts and the following remain on my credit report continuously causing damage to my credit/ Meridian Collections : {$2200.00} XX/XX/2018 {$920.00} XX/XX/2018 {$2100.00} XX/XX/ {$640.00} XX/XX/2018 {$250.00} XX/XX/2018 {$570.00} XX/XX/2018. 

As per results of last complaint : THESE ARE TO BE REMOVED IMMEDIATELY. 

This company illegal activity is ruining my credit and they have not complied with findings of last complaint.

I have waited long enough and I am being denied my legal right to have fraudulent accounts illegally placed on my report removed by this company.

I have sent letters in this regarding referring to said complaint and STILL NO RESPONSE.

This company needs to be sanctioned for its illegal practices effecting peoples lives and showing no regard for the conclusion of the Federal Governments findings.

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 2020-10-12
Company: Square Inc
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I ordered a Cash app card. After my social security benefits were deposited to that card, someone claiming to be a representative for the company told me someone hacked some of my funds and there was a hold put on the card. Last week I spoke to someone else claiming to work with cash app and he restored only {$10.00} to my card. Social security sent me a refund of about {$900.00}. Cash app has no live representative to speak to, and I just want my funds release to me. Afterwards, I will disolve my dealings with this company. 

Thank you.

Company response to consumer: Closed with explanation