BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-21
Company: EQUIFAX, INC.
State: FL
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:
See attatched Equifax Report of XX/XX/XXXX ERRORS INVESTIGATED HAVE NOT BEEN FIXED. see attatched XXXX Letter of XX/XX/XXXX CONFIRMING XXXX mastercard credit card ending XXXX was settled XX/XX/XXXX AS DELIQUENT ACCOUNT. See attatched XXXX mastercard STATEMENT of XX/XX/XXXX ending XXXX OOOPPS HOW DID THIS POP OPEN AT THE SAME TIME XXXX SETTLED AND DELIQUENT ACCOUNT. XXXX WOULD NOT OPEN AN ACCOUNT WHEN DELIQUENT?? WOULD THEY?? I DID NOT OPEN THIS ACCOUNT. See attatched XXXX CREDIT CARD FRAUD CLAIM VISA card ending XXXX date XX/XX/XXXX UNAUTHORIZED TRANSACTIONS {$470.00}. I DID NOT OPEN THIS ACCOUNT EITHER. XXXX DID WHEN MCs became VISA XXXX. I WAS UNAWARE UNTIL FRAUD NEVER RESOLVED ON ACCOUNTS I DID NOT OPEN BEGINNING XX/XX/XXXX. XXXX HAS NOT YET CREDITED THIS FRAUD OF TWO 1/2 YEARS. I DEMAND MY DRS LICENSE TO OPEN & ORIGINAL SIGNATURE OF WHO OPENED THE ACCOUNTS AFTER CARD XXXX Settled XX/XX/XXXX BE VERIFIED OR ACCOUNTS DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: Experian Information Solutions Inc.
State: AZ
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:
Over two months ago, I wrote a letter to Experian, asking them to investigate errors on my report. I have not received a response from Experian in the mail. I also recently wrote a follow-up letter, which has also gone ignored.

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 2021-02-21
Company: OneMain Finance Corporation
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Recently, I recently received a copy of my credit report which showed unauthorized inquiries, and accounts that were not opened by me and I did not authorize. I do not have any knowledge of these accounts being opened and affirm that they were opened fraudulently, and any unknown contract bearing my WET signature is fraudulent and was not signed by me. I don't have any knowledge of these accounts being open, any contract bearing my WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: Federal Pacific Credit Company, LLC
State: PA
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 copy of my credit file and discovered this account on there stating that I owed them {$160.00}. I have no knowledge of this account. We have no contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: PLS GROUP, INC
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I cash a check in PLS and 10 days later they said the check was false so when i cashed they charge me XXXX dolars i return the whole amount off the check but they took my XXXX dollars. The check was from a scam company i want to know how i can get my XXXX back from PLS

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 2017-08-07
Company: ROC Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX, who states works for the collections company, has been harassing me and my family members with numerous phone calls. He contacted my place of work about six times within ten minutes. He contacted my cousin twice, my sister four times, and my brother twice. He then called my cell phone again three times in a row. He told my sister that he was going to file a lawsuit against me for check fraud which is completely false because I have not committed check fraud. I called and left him a voice mail message to please not contact me at my place at work and stop calling my family members. He continues to harass my family members with numerous phone calls telling them all that I am being sued for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
To Whom It May Concern - I opened a US Bank credit card that was advertised as 0 % APR and with online features. Online statements were advertised as being the same as paper statements. My online statements reported no payment required for the life of the account. Also, no interest or late fees were charged on my online statements. My paper statements that I retrieved from the mail on X/X/2017 show payments were required, late fees were charged and the promotional APR was rescinded. All of this is documented in writing from official US Bank documents. US Bank refuses to discuss this matter and refers me to collections instead. US Bank is completely in error and causing me hardship because of their errors. Attached are the online and paper statements for XXXX 2017.

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 2020-01-25
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have specifically submitted a request to STOP pre-approvals and other credit card offers. Citibank continues to send me " Convert from X card to Y '' offers. These PAPER BASED communications place an unnecessary burden on the recipient to SECURELY dispose of them. Given that most stores/companies charge for secure shredding, these banks should be compensating recipients for the excess paper spam they send on a daily basis.

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 2018-02-09
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
First week of XX/XX/XXXX I received a letter in the mail stating that XXXX XXXX XXXX XXXX would soon become American Express XXXX Honors " XXXX " ( not sure if that is correctly spelled ) card. I assumed that XXXX XXXX  would close my account, send me a bill and Amex would send me a new card. None of this happened. Instead I am flying out for work and my card didn't work any longer. I called XXXX bank from the airport and they explained that XXXX sold their account to American Express and XXXX has no way of viewing or sending me any other information. Everything is now in the hands of XXXX. I call XXXX with a number provided by XXXX. After a half an hour of talking to them and explaining that I have not gotten any info from them or a card. They said they would rush one to me as I returned from my work trip. Nothing came. I called on Tuesday XX/XX/XXXX and it was supposed to be to me no later than Sat. XX/XX/XXXX. I called back from the airport on my next trip and again another half hour and three reps and I told them to close my account and bill me. Then they sent me to another rep who started all over again. Then they emailed me after and I returned the email to close my account and bill me. I don't want to do business with this kind of company that can not be professional and responsible. I don't know what to do at this point. I want my bill so I can pay it off and close the account. But I keep getting no where. 

Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: CITIBANK, N.A.
State: MD
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:
I purchased a new XXXX XXXX XXXX XXXX at XXXX XXXX in XXXX  XXXX  maryland a few months ago, it took an hour for someone to come and set up this phone. My mother added it to her account with XXXX, we also have XXXX  XXXX. The phone began getting alot of unknown calls for someone named XXXX about property investments. 
I assumed the phone was given a old customers number and i assumed the calls would stop coming in. They would come in all day while i was working. But usually stop once i got home and started using the device. I am worried about my XXXX XXXX  now and my XXXX, XXXX, XXXX, XXXX accounts and XXXX account. Emails can disappear right in front of my eyes and password reset emails will not come to my device. Settings change themselves the second i stop looking at the screen. 
All my personal health information has been having problems getting to my health care provider. Including calls for appointments. We are trying to verify all appointments with XXXX and the phone company for billing purposes and i am having a hard time getting a response everytime i send them email. I receive phone calls from someone claiming to be XXXX XXXX when i access my health care app. This must be a crime and fraud and i hope we can find out why this illegal account and identity activity is happening and who else is using a device with this information ... was my phone a clone or was the someone elses original phone a clone. I consider this a major crime and this type of activity will definatly cost lives durring a pandemic. Having someone know everything you do online and possible XXXX XXXX  crimes. 
I need an answer to this situation ... i was given false information by a health care provider and was given a tetnus shot when i asked for an anti body test. I felt like my body was going into XXXX  XXXX  ... somehow i survived and want to see this type of activitity ended. 
I am concerbed for all parties that have been given a cloned phone and can tell someone is extremely frustrated on the other end of my device. The setting constantly changing right after i change them. My password not working for the second device a minute later, my XXXX  XXXX  password changing and XXXX password changing. 
I need your help in this situation because im not sure my mother is aware of the illegal account activity and i cant seem to convince her it is happening. 

A very concerned customer and XXXX used, XXXX XXXX XXXX I am concerned my identification that i have sent over the internet may also have been compromised and intercepted when i tried to verify My identity on XXXX. It looks like some one hits the caps button while im typing or adds punctuation also.

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 2020-01-25
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midland Credit Management They keep calling my cellphone number from different autodialer numbers. Today they called at XXXX XXXX  PST and left a voicemessage. 

They also are now listing this as a late payment on my credit report but are not the original creditor. This is from 2015 and statue of limitations has run its course. It is time barred, but they are listing the last payment as the last 30-60 days to make it seem like it is current debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Close XXXX  XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$0.00} Date opened : XX/XX/XXXX XXXX XXXX {$0.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX {$430.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX {$1200.00} Charge Off XXXX  XXXX XXXX {$370.00} XXXX XXXX {$3700.00} XXXX XXXX XXXX {$5200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-30
Company: Western-Shamrock Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2019, a call was received from an employee at Western Finance operating under Western Shamrock, and the call was answered on speakerphone due to the person at work. Information regarding my account was given to another person without my consent and since the call was answered on speakerphone, 2 other people in the room heard my personal information. The employee demanded that we go into the office the next day saying we HAD to go in. After the other person was given information, he then told the person calling from the company that it was not his account and should not be giving out information. The manager then got on the phone and told him that it was a federal law to release personal information. She stated that she would talk to her employee regarding that issue. They then called him back and asked him to have me go in and have me sign a form allowing them to release information AFTER they released the information to him.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Today I called the number that I looked up on the computer and they hung up on me a couple of time after I press the number 1 to disconnect my card..and its asking me for my card number but I dont have it cause I lost my whole wallet..hoping to find it around my house but I still havent found it..and then I logged into my unemployment account to see if I could get a replaced card through them that way but I stopped cause it wasnt working either.

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 2018-03-28
Company: Source Receivables Management LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
From : Source XXXX XXXX Phone XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX I received a written notification on XX/XX/XXXX ( dated XX/XX/XXXX ) about an unpaid balance of {$93.00} related to the preparation of my XXXX tax return prepared and e-filed at H & R Block in XXXX. 

I contacted Source Receivables Management debt representatives at XXXX. The representative was unprofessional and disrespectful. As I attempted to explain that I was a victim of identity theft, he continually interrupted, called me a liar, and raised his voice. 

I tried to explain to the Source Receivable Employee, a criminal named ( let me know if you want his name ) committed tax fraud with my identity. This has been verified by the Department of Treasury.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
In or about XX/XX/XXXX I started getting mail and phone calls from Portfolio Recovery and Associates ( PRA ) about 3 separate accounts originally belonging to XXXX XXXX. I believe that the dates and amounts are grossly misrepresented and conveyed the same to the collector requesting validation for the alleged debts and failed to receive anything except for a demand letter. This occurred about 2 months after receiving the initial letters and calls. In XX/XX/XXXX I  moved and had not heard from them after I had demanded validation. In the Fall of XXXX, I noticed that these 3 accounts were on each one of my credit reports with the 3 major credit reporting agencies ( CRA ) : XXXX, XXXX, and XXXX. At this point, I disputed and re disputed these accounts with the CRAs with the same incorrect information being updated and further damaging my credit standing. Additionally, earlier this year in XXXX, PRA started reporting and did so SIX times an incorrect address in Arkansas on my credit bureaus causing a couple of creditors to flag my account. I have never lived or even been to Arkansas. Finally, I sent a demand for deletion to PRA and have not had any response and the accounts have not been deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-09
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/, I selected a balance transfer offer at XXXX XXXX XXXX XXXX XXXX with my preexisting Barclays Commence credit card for {$8800.00}. The terms very clearly stated the following : 0 % Annual percentage rate for 15 months 3 % Balance Transfer Fee ( {$5.00} minimum / no maximum ) This month, much to my surprise, I found an interest charge on my credit card statement associated with this {$8800.00} balance transfer. I called customer support and escalated to a supervisor and then another manager, all of which told me the offer I described was not available on my account currently, so there was nothing they could do to honor the offer I described. There is no way I would have signed up for anything other than a 0 % balance transfer offer, especially consider that I had several other of these offers from other non-Barclays banks with my preexisting credit cards. 

So far, I have paid the original 3 % balance transfer fee of {$260.00}, which was expected. The fees I have incurred that I should not have incurred based on the 0 % balance transfer I signed up for :XX/XX/XXXX INTEREST CHARGE {$19.00} XX/XX/ INTEREST CHARGE {$110.00} The support team at Barclays said they would have their technical support team review whether or not there was a glitch on the system, and that this would take 30 days. In the interim, I will be charged more interest fees. The support person didn't seem to think it was likely that this would be ruled in my favor, so I'm basically stuck with Barclays telling me there's nothing they can do.

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 2018-07-11
Company: AMCOL Systems, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I received call at XXXX XXXX which is outside of the allowed time frame. I do not appreciate companies that violate this rule. 
I have a voicemail proof of their call as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX has been reporting a XXXX charge on my credit report with all the bureas especially Transunion since XXXX and I disputed the charges with them at which they did nothing. Then I filed a police report they still didnt open a investigation finally I disputed it with transunion and have been since XXXX and they have left that fraudulent charge as a bad collection account in my credit file when I am the victim and had my account paid in full. when it happened and they never did a fraud investigation or helped me they just report on my credit Bureas that its collection charge off as if I owe the money. I am and was a victim of identity theft and they never disputed it

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