BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I AM A VICTIM OF AN IDENTITY THEFT REPORT, AND I HAVE BEEN SUBMITTING ALL THE REQUIRED DOCUMENTATION TO YOU AND THE THE BUREAUS, I HAVE EVEN SENT THE NOTARIZED DOCUMENTS TO YOU THE BUREAUS. THE FRAUDULENT ACCOUNT FROM XXXX  XXXX XXXX WAS OPENED AND MAINTAINED WITHOUT MY CONSENT. THE CHARGES AND THE ACCOUNT IS FRAUDULENT. I HAVE REACHED OUT TO EXPERIAN MANY TIMES THEY KEEP ASKING ME TO SEND THEM COMPLETED FTC REPORT, BUT NOTHING IS BEING DONE.

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 2020-05-21
Company: U.S. BANCORP
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Confusing or misleading advertising or marketing

Complaint:
My ex boyfriend worked for the call center at US Bank in XXXX XXXX Wisconsin. 

He informed me that US Bank no longer requires XXXX XXXX screening. 

Why does US Bank allow XXXX XXXX XXXX into its bank and for deposits with its XXXX XXXX  customers? 

Isnt that illegal per Federal Laws?

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 2020-05-21
Company: Credit Control, LLC
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 wrote the debt buyer XXXX XXXX, XXXX. XXXX XXXX, XXXX, SC XXXX back on XX/XX/2020. This entity purchased a receiveable from XXXX XXXX XXXX. The bank made a banking error and took a payment out of the wrong bank account that threw my bank accounts in chaos as well as various credit accounts. The bank failed to make me totally whole. In addition, there were some charges made on the account that was not mine, and the bank failed to handle these in the correct fashion. 

I have included here in a copy of the correspondence that I sent to XXXX XXXX that details this transaction. This provides all the pertinent details.

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 2023-01-30
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Hello I bank with Chase and I recently had my savings account of {$800.00} completely drained by a wire transfer to a Chase representative. Chase stated they would help me even while still having the funds in process by switching it to a new account - the following day they transferred them from the new account anyway and after opening a claim they denied me within 24 hours. They have the instance recorded by phone and refuse to investigate or refund me my {$800.00} due to failing to do a wire recall with their shoddy process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: Linebarger Goggan Blair & Sampson LLP
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am been receiving collection letters from Linebacker Goggan Blair & Sampson, LLP since XXXX about a tollroad debt that is not my debt. On numerous occasions, I have tried to explain to the collection agent that I don't owe those charges. This can be verified with XXXX XXXX XXXX XXXX XXXX  as well via several calls I have had with them including a call in XX/XX/XXXX. The invoice # XXXX for reference. 
The collection agency has not followed up with XXXX

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 2020-01-22
Company: Municipal Collections of America Inc.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from a company calling itself " Municipal Collections of America '' or " MCOA ''. They claim to be working for the city of XXXX to collect a debt of about {$200.00} on behalf of the city. However, there is no outstanding debt owed to the city as all our bills are current and we only receive electronic statements. They also mention several times on the letter how to pay and to share your credit card information with them in the mail. My hope is that these people will be shut down so no one will be taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : XXXX # XXXX, US DEPT ED # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: BB&T CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XXXX XXXX XXXX received all of the information needed on a stolen vehicle from in XXXX & XXXX but kept billing us late charges, fees, etc and claimed in the month of XXXX they did n't receive anything. We also did a conference call with the insurance company XXXX XXXX with XXXX XXXX XXXX which was recorded. The investigator from XXXX XXXX asked the XXXX rep if they have all of the Gap insurance information for their claim and she answered yes. They contacted us in XXXX 2017 and claimed they never received anything and sent us more forms we notarized and sent back and they still are billing us and sending us letters and statements about fees and extra charges. The insurance company paid them over {$16000.00} + but they are still trying to milk us. The auto dealership, XXXX located at XXXX XXXX manager stated they do this in order to drain you of more money, and they do it all the time to consumers. He sent them the information for a rebate of the protection package which was included over {$200000.00} financing at the time. The company XXXX was sent {$90.00} from that. They were already paid more then what the car is worth a XXXX XXXX XXXX and they are used to ripping consumers off for more. Tragedy! Somebody please help! These businesses make a living draining the consumers pockets! Every time we spoke to them even after the card was paid off they claimed we owed them more money before it was even settled.

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 2023-01-30
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2023, I sent XXXX a letter demanding them to remove accounts from my consumer report Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ), which states the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. They didn't remove those accounts ; I also didn't give any written authorization to furnish any information on my consumer report. XXXX responded the items were verified, I never asked for a investigation I asked for the accounts to be removed.

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 2019-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX and Transunion are reporting me 120 days late on the XXXX - partial account number XXXX. This account has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be 120 days past due on an account with a {$0.00} balance and {$0.00} past due.

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 2020-09-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
Costco promotes their Credit card as Visa Signature issued by Citi, all their pictures show that the card is visa Signature and even their brochure show the same. I applied on the credit card and was approved. I received my credit card with the Visa Signature stamp on it. So I started using the Citi credit card having the Visa Signature benefits. After trying to use the benefits, I contacted Visa and to my shock they said that the provided card number is for Visa Traditional and not Visa Signature. So I contacted the bank to tell them that the  visa is issued by an incorrect number. Here I was shocked to get the feedback from the bank that this is a visa traditional card and not a visa signature ( as promoted by Costco and printed on the card by Citi ).

Please I want to file an official complaint against Costco for their misrepresentation of their card and against the bank for providing a fraudulent card which shows Visa Signature while it really is not. I am attaching a copy of the card for your review, the card shows Visa signature while the Bin number is for visa traditional.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
I AM A VICTIM OF AN IDENTITY THEFT REPORT, AND I HAVE BEEN SUBMITTING ALL THE REQUIRED DOCUMENTATION TO YOU AND THE THE BUREAUS, I HAVE EVEN SENT THE NOTARIZED DOCUMENTS TO YOU THE BUREAUS. THE FRAUDULENT ACCOUNT FROM BANK OF AMERICA WAS OPENED AND MAINTAINED WITHOUT MY CONSENT. THE CHARGES AND THE ACCOUNT IS FRAUDULENT. I HAVE REACHED OUT TO XXXX  MANY TIMES THEY KEEP ASKING ME TO SEND THEM COMPLETED FTC REPORT, BUT NOTHING IS BEING DONE.

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 2019-03-12
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am XXXX years old and on a fixed income, and needed money to go to the funeral of my brother in another state. I also had to pay large medical bills that were charged when I was in the Hospital in XXXX, 2018. I borrowed {$2500.00} from Cash Central. I have paid five payments in the amount of {$390.00} each. I had to miss five payments because it was too much to pay with my additional medical bills.One of my medication was {$300.00} for my XXXX XXXX. With late charges and interest I now owe {$4300.00} which is much more than I borrowed. I called to ask if I could PAY {$100.00} PER MONTH UNTIL IT WAS PAID, BUT i WAS REFUSED. I get at least seven calls per day and night trying to collect the full amount. This brings on added stress which affects my XXXX XXXX. I wear a XXXX and XXXX. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: ONLINE Information Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX have struggled just like every other self-employed person during the Covid-19 Pandemic, especially when the XXXX of Massachusetts was closed down for over six months. However, I intend to pay off all collections against me and at this time I am requesting settlement offers with a 4-month payment plan. If reasonable offers are made, I or my wife will call in the necessary check by phone information to bring all settlements to a conclusion. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: Radius Global Solutions LLC
State: AR
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX, I bought a used car through XXXX XXXX that I later totaled in XX/XX/XXXX. When I purchased the car, I also purchased the GAP insurance, which is supposed to pay off any remaining balance not covered by insurance. It did not pay off the balance. Two years later, XXXX sent me to collections. Central Credit Services LLC sent a letter offering a settlement amount, which I accepted. I started my payments XX/XX/XXXX, to pay the settlement amount of {$1500.00}. In my agreement with Central Credit Services LLC, I agreed to pay weekly payments of {$25.00}, till paid in full. I mail the payments out every Friday, my payday, and I write the account number on every check. Two weeks ago, I received my envelope with my check Return To Sender, Undeliverable. I figured I had written the address too sloppy or something. I then put that envelope stamped Return To Sender, that {$25.00} check, and the current weeks {$25.00} check into another envelope to send back to them. I did not want them to think I was breaking our settlement agreement. This past week on XX/XX/XXXX, I received a letter with one of my checks ( number XXXX ), saying that they were unable to verify a valid account. They were requesting additional information, such as my name, account number, address, etc. Before check XXXX was returned, check numbers XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX have cleared. Check XXXX has been returned to me. Check numbers XXXX and XXXX have cleared since they first received check XXXX. As of today,XX/XX/XXXX check numbers XXXX, XXXX, XXXX, XXXX have not cleared and are still in their possession. Is this debt finally paid in full? And if they don not have a valid account, where did the checks go that were cashed, and where are the checks that have not cleared?

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 2020-01-22
Company: Franklin Collection Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Around XX/XX/XXXX I moved into a new place and needed internet service. I chose XXXX as my provider. The technician came and set everything up, however, I immediately started having problems with the internet - it was going in and out every few minutes. I contacted XXXX, they couldn't fix the problem over the phone, so they sent another technician. The technician couldn't find any problems, so he recommended I raise my internet speed and that would fix the problem. I called XXXX   and increased my internet speed, which would also increase my future bills. XXXX   customer service rep told me to give it some time and that it should work. After giving it a week or so, I realized that internet service was not better, the internet connection was still in and out every few minutes. Since I am required to have internet for work and XXXX could not help me, I decided to switch providers. I was assured this would not be an issue, since new customers have a one month to try XXXX free of charge and switch to another provider. When I called XXXX to cancel my service, I specifically asked if i owed them anything and was assured that there would be no bill/no charge, since I was cancelling within a month. I was also told to ignore any bills that might come in for a month I had the service, that they were already generated before I cancelled the service. I did receive on bill that but ignored it as instructed. To my surprise, XXXX reported this amount to a collection agency. I called collection agency, explained what was going on and they were going to look into it. I do not believe I received any further information from them. 
This is a small amount to argue about, however it is not okay to fool customers telling them they have a month to try their service with no penalty, especially since I wanted XXXX but they could not figure out why my internet was breaking. It is not okay to be told nothing was owed and then charge entire month of service which I couldn't even use. This is the reason why I have not paid this collection amount, as I am sure there are other customers out there who are/were in the same situation and who were taken advantage of. This is why I am disputing and reporting the problem here. Thank you. 
Date of service : around XX/XX/XXXX Date reported : XX/XX/XXXX Amount : {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: EQUIFAX, INC.
State: TX
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:
Equifax and XXXX are reporting me 120 days late on the XXXX - partial account number XXXX. This account has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be 120 days past due on an account with a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: TCF NATIONAL BANK
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello CFPB, Thank you for reviewing my case. I sent the below description to TCF Bank 's loan servicing email ( XXXX ) as directed by a customer service rep, but since sending that message on XX/XX/XXXX, I have not received confirmation in writing that their disputes team was working on my case. I called in to ask if they would confirm in writing and they denied my request, stating this process usually takes 30 days. The below description of events and attachments will illustrate how TCF made the mistake ( s ) and 30 days is not acceptable for processing as my family needs to refinance our mortgage now, not later. 

Dear TCF Bank, I am unable to move forward with the refinancing of my current mortgage with XXXX XXXX XXXX because TCF filed two erroneous late payments with all three credit bureaus after I had received formal notice of my TCF account being successfully closed and paid in full. Please see attached Credit Report ( first two pages only and I have blacked out my SSN to protect my PII ). The purpose of this email is to have TCF remove these late payments from my record with all three credit bureaus and respond to me in writing that these late payments were reported in error. My loan was paid off in its entirety in XX/XX/XXXX, and I have attached two notices ( email from XX/XX/XXXX with XXXX XXXX 's signature and mail from XX/XX/XXXX with XXXX XXXX 's signature ) indicating the loan was paid off in full and closed, yet TCF reported late payments in late XX/XX/XXXX and in XX/XX/XXXX. I have attached all the evidence that will be required to move this forward quickly and easily. I know this is a simple mistake by TCF and it shouldn't be a big deal, but it's having a large impact on my household financially. I hope we can remedy this situation very quickly without my having to file complaint with the consumer finance protection bureau ( obviously that's what I'm now forced to do ). 
Attached email notice from XX/XX/XXXX of closed account Attached mail notice from XX/XX/XXXX of closed account Authorization to close line of credit on XX/XX/XXXX when I started the process of making final payments and closure of the account. 
Please note that I copied all individuals on the above email that had either signed off on the closure of my account or reached out to me in XXXX and XXXX about this mistake but neglected to ever mention that I was in threat of having late payments reported to the credit bureaus. 
Again, I am trying to refinance my mortgage immediately to take advantage of the low interest rates, which could really help my family during COVID. Immediate attention to this issue would be greatly appreciated. 

Please send back receipt of this email, contact information for individual that will investigate this case and stay in touch with me, and an estimated time for completion. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: EQUIFAX, INC.
State: AR
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:
This is the first time I have ever encountered identity theft. I was informed when I pulled my credit to myself that there was a couple of bad items on my name. These fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report. This is unacceptable. 

XXXX XXXX XXXX XXXX {$19000.00}

Company response to consumer: Closed with explanation