BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-24
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: Their investigation did not fix an error on your report

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these  accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX and 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 2019-10-16
Company: Opportunity Financial, LLC
State: ID
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I recieved a PREAPPROVED letter inviting me to apply for a loan with a " code '' on it to " verify '' it was me applying for the loan. I applied for this with the assumption that I had been PREAPPROVED as indicated by the letter. As it turns out, I was denied and now I have a ding on my credit report. How is this allowed?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: Williams & Fudge, Inc
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been trying to get this debt paid. I owe XXXX approx 10,000 $ for tuition and a Perkins loan. I tried to find a way to pay them and made several payments. They knew I was struggling. I contacted them several times about it. They gave my information to Williams and Fudge, who told me that I owe XXXX. I told them this was the wrong amount and they continued to call me, email me, all hours. They called my family. They told me that I signed the note and that the interest is being compounded DAILY. They threatened me. All I want is to get on a payment plan to reasonably pay back the amount I borrowed. But XXXX in fees is insane. XXXX also won't give me my transcripts so I can find a job in my field until the total amount is paid. I don't know what to do. They tried to force me to consolidate my loan and begin payments right away, even though my loans are in forbearance. The PDF with my name on it was filled out by them. They have my address wrong, because THEY filled it out, not me. without my knowledge. I have asked over and over for an itemized receipt for the exorbitant fees. They said that is what XXXX handed over to them. THIS WAS A COMPLETE LIE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: Waypoint Resource Group, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filed a complaint in XX/XX/XXXXabout this company and their poor business practices. They acknowledged that they made a mistake, had incorrect information and had corrected the mistake with the credit bureaus. After they acknowledged the mistake they RECONFIRMED THE DEBT in a XXXX  dispute! This is the worst type of collector, one that doesn't even make an effort to establish whether disputes are legitimate debt or mistakes, they just automatically confirm it with no investigation. Twice. 

My complaint : In XX/XX/2019 I was notified that I had a collection on my credit report Waypoint Resource Group account # XXXX. I disputed the account with XXXX. Waypoint verified the items with XXXX! I contacted to Waypoint directly on XX/XX/XXXX speaking with XXXX and XXXX XXXX. They both informed me that my address and birthdate did not match up with their file. At that point they told me they couldn't discuss the account with me because they could not verify my information! Of course they couldn't because it's not my debt, I say. Please remove it from my account. They can't remove it because I'm not the owner of the debt. They tell me a can dispute it with XXXX   or the original creditor. I called the original creditor, XXXX XXXX XXXX and spoke with XXXX employee # XXXX who could not find any delinquent accounts attached to my name, address or social security number. He waited on the phone while I tried to conference call Waypoint to hopefully resolve it with them but after being on hold for 5 minutes, we were hung up on. XXXX didn't want to wait any longer so we ended the call. I have started another dispute with XXXX with the additional information obtained. Waypoint never contacted me ( because they didn't have my contact info ) but were able to put a collection on my credit report and then did nothing to resolve their errors. 
Waypoint response I appreciate Mr. XXXX reaching out in regard to this matter and apologize for any inconvenience and/or frustration that he may have experienced because of it. Waypoint Resource Group was assigned this account to perform third party collections for its client. Upon researching the account, Waypoint discovered that it likely had incorrect contact information on its actual customer and had contacted Mr. XXXX  in error. Upon discovering the error, the credit bureaus were notified to delete the Waypoint tradeline from his credit report. XXXX  was notified XX/XX/XXXX. XXXX  and XXXX updates were processed XX/XX/XXXX. Again, Waypoint apologizes for the error. Should there be any further questions, Mr. XXXX  is urged to contact Waypoint at ( XXXX ) XXXX to discuss.

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 2018-01-02
Company: EQUIFAX, INC.
State: SC
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:
Equifax Confirmation number : XXXX Fax Letter dispute, sent notarized certified dispute letter to Equifax on XXXX XXXX, XXXX, Tracking # XXXX via USPS. Asking company to validate not verify inaccurate items on my credit report. Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. If a credit bureaus, collection agencies or creditors can not prove the account or inquiry is my account in a timely manner ( 30-45 business days ) the account must be removed from my credit report. That means provide me with physical documents with your signature. 
1. Provide a CERTIFIED copy of Authorization signed by me, naming your company as having my consent to furnish, update, verify, make inquiries, add comments and/or dispute codes of any access to my personal credit report/file. 
2. Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every 3rd party collection company to present. 
3. Provide a full accounting : Every charge, payment, fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
I have reported fraud and identity theft since XX/XX/XXXXand currently still having this problem registered with the FTC and all credit reporting agencies and federal agencies. Thought my search to recover my identity and hopefully locate over 1 millions plus in my life savings and settlement monies. I obtained on XX/XX/XXXX numerous copies of cancelled checks from XXXX and XXXX XXXX XXXX and XXXX XXXX   XXXX. 
I am requesting wells Fargo aka XXXX XXXX aka XXXX  XXXX to identify the holders of these accounts of bank markings as follows and attached to this report # 1 check for {$56000.00} ( XXXX XXXX XXXX XXXX XXXX XXXX dollars and XXXX cents XXXX XXXX XXXX, NC XXXX XXXX <XXXX> # 2 check for {$3300.00} XXXX XXXX XXXX XXXX  and XXXX XXXX dollars and no cents This will further assist my recovering from identity theft. And as per wells Fargo request that I give them pertinent account numvers for them to review and assist me XXXX XXXX XXXX, NC 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 2021-09-19
Company: CITIBANK, N.A.
State: PA
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:
I have several Citibank credit cards, all of which have rewards programs. On my Citi Dividend World Mastercard my XX/XX/21 statement listed {$200.00} in cash rewards. Several days later I received a letter from Citibank stating that the card was being converted to a different rewards program -- the Citi Rewards+ Mastercard -- and that as a consequence my existing rewards where no longer available. 

I accept Citibank 's decision to change the program, but I feel like they had an obligation to allow me to collect my accumulated rewards before their elimination. To the best of my recollection, I had no warning of this impending change or the impact on my rewards. My habit had been to covert those rewards on an annual basis -- I regarded the rewards as a sort of savings account. It occurs to me that in appropriating these funds, Citibank has taken many thousands of dollars away from customers enrolled in the program. 

On XX/XX/21 I called my card 's customer support number to complain. The agent consulted with his manager, who authorized {$100.00} credit as a good will gesture. I accepted this offer ( perhaps relinquishing subsequent claims, this was not made explicit ) with the notion that halfway to a solution was better than nothing. But in my mind they still owe me money. And how many more customers are there in the same boat who may not complain because the amounts owed are not worth their time and effort?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-17
Company: U.S. BANCORP
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is for Elan Financial Services. In XX/XX/2019 I opened a card with Elan. First, they have astronomical fees that were not disclosed. I looked everywhere, there are no signs of any explanation. 

But the most important and alarming complaint : I attempted to link my XXXX XXXX XXXX XXXX account to them. Not only did they reject the account number on XX/XX/XXXX ( which I can live with ), but the letter they sent said they sent my payment back to them!??? If it's the wrong account number how in the world could they send it back?! It gets better. My payment didn't come from that credit union! So they took my {$400.00} payment on XX/XX/XXXX, from my XXXX XXXX  account, and they SENT IT BACK TO THE *WRONG* credit union account , which they already told me was " wrong ''! 
Anyone would freak out by this, so I instantly called them. The girl that answered was polite and agreed it was odd, and she suggested I file for a trace. Which I did. I supplied all the necessary documentation. They completely disregarded what I sent them and said the proof I sent was about my payment. 
YES! I KNOW! WHERE DID IT GET SENT TO!? 

I have a right to know where they randomly sent my {$400.00}, but I don't trust this company to help me get it back. I called again, and asked to talk to a manager. I couldn't believe it, the manager was less knowledgeable and more ignorant than the front line reps. He was incredibly rude. He also refused to look into my situation, and kept asking me over and over if I felt like he was giving bad customer service, in response to my questions. He was very confrontational and immature. 

That is only part of it. I DID link my XXXX XXXX  account to this card, XXXX same account my first payment came from. The one they sent to the " wrong '' bank ). Anyhow, I set up regular payments to pay at a set time every month, but they don't work like that. For 3 months in a row they took a random amount they chose ( all 3 different amounts, all at different times of the month ), to pay that bill. I only keep enough in there to pay the bill when it pulls, but they picked their own times and increments. And sure enough, they ALL got returned for insufficient funds! Again, all different fee amounts. 
It shows that the bills were paid online. Which is wrong. Plus I'm the only one who has access to this card. And my experience with them is, it won't do me any good. 

I've only had this card for 5 months and it's literally been XXXX. 

I'd really like, more than anything, to know what they did with my initial {$400.00}. 
And I'd like to know how they justify treating human beings so horribly.

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 2019-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
capital one keeps reporting negative remarks on my accounts to the credit bureaus. They keep saying that I initiated a dispute, investigation completed, and consumer disagrees and this is simply not the truth. 

My two capital one accounts are closed. At one point the payments were late but never missed as I always paid something. I closed these accounts and enrolled them into a debt management company so that Capital One would be paid. I could have walked away from the debt but did not do so. But Capital one says that I have disputed my accounts and that is not true. The only thing I have ever disputed are these false, misleading remarks that they keep placing on my credit files. 

I am trying to get a mortgage and this is impacting my ability to do so. Why must capital one do this to me? Are they upset that the interest rate got reduced when I submitted my two accounts to be handled by this debt management company? Are they not happy that the accounts are being paid on time each month? 

Why are they intentionally trying to hurt me by posting these remarks that are not true on my credit reports. They are intentionally trying to get me turned down for a mortgage for my family. I have asked them in the past to stop this, they called me and said that all remarks would be removed but this was a lie. I am filing this complaint to have the CFPB help me. I am attaching a copy of the credit report to show proof of their unprofessional conduct. My next step is to file a State Attorney Generals complaint against them if they refuse to honor my request.

They are intentionally reporting these false, derogatory remarks on all 3 credit bureau reports and it needs to stop. This is getting out of hand that they are doing this to me.

I could simply stop paying them and let the debt go into a write off status for them and not let them get one single dime moving forward but I do not want to do that but they are leaving me no choice. If the remarks are not removed and kept off moving forward the Colorado State Attorney Generals office will open an investigation. 

Account numbers XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-06
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I called XXXX XXXX  XXXX XXXX and I spoke to their representative and I told the representative that I had never applied for Water Service and that I had never lived at the service address.

The representative told me that it would be removed. I checked my credit report and low and behold XXXX XXXX XXXX XXXX had sold the bill to a debt collector. 

This is not my bill I never lived at the service address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Kohls Department Store calls my work number often as well as my cell phone. My cell phone is all right, but since I ca n't answer it during the day at my front desk office job, and no privacy available for personal matters, I told them I ca n't talk to them on that line. Today ( X/XX/17 ) when I got back from a meeting, my XXXX XXXX who is working to answer phones in our office this summer ( I work at a XXXXXX ) told me that Kohl 's Department Store called and was looking for me, and that I should call them back - yet they left no name or number with her. My student did say it was a woman calling. There is NO reason a creditor should call my place of work and for privacy reasons ask ANYONE about me, especially a current college XXXX! I feel my privacy rights have been invaded. Are n't there rights I have at work to keep my account with Kohls confidential, especially telling information to our XXXX that pay tuition to go to our college? This is very uncomfortable for me to get a message like this from my XXXX worker, therefore I am putting in this lack of privacy when dealing with a business matter complaint with you. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
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 belongs to someone else

Complaint:
The following account isnt not mine. Equifax deleted and permanently blocked the following account from my Equifax credit report between XX/XX/XXXX through XX/XX/XXXX : XXXX Child Support Enforcement. The account has been put back on my credit report, even though, Equifax deleted and permanently block this account from my credit report between XX/XX/XXXX through XX/XX/XXXX. The account is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: CITIBANK, N.A.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I made a purchase in XX/XX/XXXX at Best Buy in the amount of {$1200.00}. {$720.00} was returned within a few days. Balance owing was {$510.00}. There is a charge of {$210.00}, {$42.00}, {$87.00}, {$93.00} that are not mine. The only other charge I have made were {$140.00} and {$150.00}. Total is {$1000.00}. To date I have made payments in the amount of {$1100.00}. Interest charges {$620.00}. Late fees in the amount of {$370.00}. 

I did not sign up for interest free or deferred payments. Since interest charges have been charged each month, this would not apply. 

What I would like Best Buy or XXXX to do is adjust my account and let me know what is the exact amount I owe. 

And, I do not appreciate XXXX to send threatening remarks in a letter that was sent to me on XX/XX/XXXX by XXXX XXXX, Executive Response Unit. 

I am sure XXXX will do the right thing and adjust these charges, interest and late fees.

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 2017-07-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Portfolio Recovery  Associates ( PRA )  has made numerous harassing calls and sent out threatening letters. They have failed to provide proof of my debt owed and leave messages on different family members voicemail when they should not be calling me at all. I claimed bankruptcy back in   XXXX   and have not made any bills since then so they have no reason to be calling me anyways. They have harassed me relentlessly.They have violated many laws under the Fair Debt Collection Practices Act ( FDCPA ), : Contact anybody who is not the main person that owes the debt Threaten you with referral to an attorney, harm of credit, or wage garnishment without the actual intent to act on the threat Contact you at your employers office if you tell them not to to my knowledge, I do not owe them money and have asked them to provide proof of what I owe. They have failed to do so.   The numbers that call repeatedly are :  XXXX ,  XXXX ,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a letter to remove a tax lien that was filed in error by the State of Maine, with supporting documentation from the State that specifically states that it should be removed. TransUnion, LLC failed to respond within 30 days. I submitted another letter stating my rights per the Fair Credit Reporting Act, and asked to be removed immediately with the same supporting documentation. All other credit reporting agencies have removed the tax lien, and TransUnion still refuses to do so.

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