BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-22
Company: Experian Information Solutions 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:
On XX/XX/2020, I called Experian to dispute a collections account reflected on my credit report by XXXX XXXX XXXX   XXXX. I informed the Experian customer service rep I spoke with, that I was disputing the account because the charges reflected on my credit report are for pest control treatment which I am not responsible for, and which my former Landlord ( XXXX XXXX ) is responsible for. Subsequent to the phone conversation with Experian, I uploaded a document on Experians site which outlined the reason for my dispute on the account. On XX/XX/2020 I was notified by email that the dispute Investigation had been completed. I logged into my Experian account and saw per the results that the information I disputed was verified as accurate. This came as a surprise since other credit bureau reporting agency completed their investigation and deleted the collections account from my report based on the same information I provided Experian. On XX/XX/2020 I called Experian to get further details on how the investigation was conducted and how the decision was arrived at and I was informed by the Experian customer service rep that I disputed the account as a paid account and the information was sent to the collections account who verified that the account remained unpaid. I immediately told the Experian rep that the wrong information was noted as the reason for my dispute. I asked him if my file at least had the document I sent and he reviewed my file and confirmed that the document was received but he was not sure why the right information was not recorded. He then apologized for the mix-up. 

Experian has not carried out its due diligence in investigating my dispute and this is concerning. First, the wrong reason for my dispute was entered by the Experian representative who initiated the dispute over the phone. Secondly, I submitted a document which clearly outlined the reason for the dispute, however no-one at Experian cared to read the document. Experian has not carried out any due diligence in correctly documenting the reason for my dispute or properly investigating the dispute and continues to report the collections account as accurate.

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 2022-08-13
Company: Experian Information Solutions Inc.
State: AL
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2019-05-14
Company: Diversified Consultants, Inc.
State: VA
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:
Diversified Consultants have placed a fraudulent collection account on my credit report. I have never heard of this company nor interacted with this company at any timing. I submitted written notification to this company through certified mail in XX/XX/2019 to request written proof on the debt that was claimed on my report. I received no follow up communication nor legal proof of the debt reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: TOLEDO FINANCE CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I had submitted an application for a loan however i called as soon as i had submitted the loan application for Toledo Finance in XXXX, Texas, to go ahead and disregard my application and to ensure that it will not show on my credit report. It has still gone through as a processed loan after i had advised them twice i did not want the application to be processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: Radius Global Solutions LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX has wrongfully placed this debt, they have absolutely no proof that I owe this bill. They have failed to provide me with billing address, and billing dates of the alleged place of service. I also ask for a copy of the contract that was signed to initiate these services and I have not been provided with one. Also, I want to know what where the services provided for this amount in question. I have not gotten any answers to these questions or documentation.

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 2019-05-14
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Since BMO Harris rolled out its new online banking system recently, the bank is deducting funds from my account for checks sent through / by BillPay days before the biller receives and deposits/cashes the checks. The three most recent examples are below. The biller in this case is XXXX XXXX XXXX. In addition, BMO Harris no longer includes a hyperlink next to the debit entry ( online banking ) so that I may be able to review a scanned copy of the cleared check received by the biller. Finally, the FAQ webpage of BMO Harris, in the BillPay section states that funds will not be deducted from my account until the check is cashed. However, this is fraudulent. Most recent examples : Received By date set as XX/XX/2019, {$300.00} ; not received/cashed/posted until XX/XX/2019. Received by Date set as XX/XX/2019, {$300.00} ; not received/cashed/posted until XX/XX/2019. Received by Date set as XX/XX/2019, {$2300.00} ; not yet received/cashed/posted as of XX/XX/2019. 

Since my initial complaint, the company quickly sent an email notice of a change in terms on XX/XX/2019 to the Digital Banking Agreement, in which it describes a " Corporate Check '' as a new ( and now third ) option the bank in its sole discretion may choose to use at any time ( separate from and distinct from the generally accepted practice of a paper check and an electronic transfer ). When the bank in its sole discretion chooses to use a " Corporate Check '' to pay a bill, under the new terms ( set to take effect on XX/XX/2019 ), the customer has no course of action if funds are not received by the biller ( received / cashed / posted ), until at least 90 days have passed. In the meantime, BMO Harris deducts the funds from your account on the " estimated received by '' date. It is only after 90 days have passed that they will begin the process of review in order to possibly credit back the funds to your account if the funds are not received by the biller, by that time. This unreasonable delay is unacceptable, to any degree, when funds are being withdrawn from an account and essentially seized with no available remedy to the owner of the funds, and with no manner of transparency to trace the funds, or verify when the check was mailed, received by the biller, or cashed - and with no manner to review a scanned copy of the cleared check afterwards.

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 2021-08-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a bank account with Wells Fargo as a second bank and the problems started immediately I tried to overlook the bank erroneous ways but I feel that I was target I had a ach transfer going into this account and a direct deposit. This is the second time wells fargo closed an account with me back in XX/XX/XXXX they did so and later sent a lady saying the account was closed in error now they are doing in again I was told I made multiple complaints and alleged fraud and they refuse to tell me exactly what fraud was committed this is retaliation for complaints I made in several departments for the customer service or treatment I received from not being assisted with disputes etc

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 2019-01-27
Company: EQUIFAX, INC.
State: OH
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 third time I have request proof to substantiate your claims regarding information XXXX XXXX XXXX XXXX XXXX transmitted to credit CRAs for me, XXXX XXXX, regarding a so-called account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. Since reporting errors may be vis-avis that reported data, I formally request that you mail this validated information within 15 days. Additionally include documentation which shows that XXXX XXXX XXXX XXXX XXXX complied with every aspect of the Fair Debt Collections Practices Act or other applicable laws. This request is for more than just a summary without in-depth consideration. In lieu of that, I have asked for an in-depth verification. If you can not forward these materials within 30 days, details disseminated from XXXX XXXX XXXX XXXX XXXXto the credit bureaus should be deemed discrepant and may indicate XXXX XXXX XXXX XXXX XXXX desire to ignore consumer protection law. Given that occasion, remove such bureau items upon your next transmittal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
USCB XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. 

This company collected a past due debt I paid off on XX/XX/20. They charged me more than the actual letter I received. I asked for explanation and was advised would receive a letter about it and also that I could request a paid in full letter. I have not receive anything yet. I called back and request made on XX/XX/20 second request made on XX/XX/20 and still not yet receive anything. There representatives are liars, assuring that I would receive this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: CITIBANK, N.A.
State: MO
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:
NOTE : THERE IS NO PLACE TO ENTER A REPRESENTATIVE UNDER PRIVACY RELEASE AUTHORIZATION. ENTERED AS ADDED CARDHOLDERS AS THERE IS NO OTHER OPTION. XXXX AND XXXX ARE NOT CARDHOLDERS, ONLY REPRESENTATIVES PER PRIVACY RELEASE AUTHORIZATION. 

Fraudulent credit card charges by a local criminal and on line. 

We are responding to your contact about collecting a debt. You contacted me by mail, on XX/XX/XXXX and identified the debt as an amount due of {$18000.00}. The terms of the agreement are unacceptable. This matter was disputed XX/XX/XXXX. Citi did not close the card and allowed fraudulent charges many months afterward. Citi turned disputed charges over to collection during an ongoing investigation. 

Since Citi will not cooperate in providing information to an ongoing investigation, our information will be provided only upon Citi Bank cooperation in the matter. 

Attempts to assist XXXX to resolve have been unsuccessful. Citi notified XX/XX/XXXX. After many months and many phone calls, were referred to Mrs. XXXX, who understood the situation and got the communications to the correct fraud unit instead of filing charges against XXXX for fraud. Now Citi will not provide documentation to properly complete an investigation and report to authorities resulting in my many hours attempting to identify who committed fraud from other sources. However, rather than continuing to resolve, Citi continues to attempt to accuse XXXX for fraudulent transactions instead of assisting to trace the fraudulent transactions such as XXXX XXXX, XXXX, XXXX and others both locally and on line..

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 2019-05-14
Company: EQUIFAX, INC.
State: OK
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:
The following companies made inquiries into my credit profile, inquiries that were not authorized by myself and after sending a letter to the company, they were not able to establish a permissible purpose or furnish a signed authorization by me to run my credit XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX  XXXX XXXX  XX/XX/XXXX All was unauthorized hard inquiries by law hard inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My complaints : 1 ) JP Morgan Chase described our home loan as a traditional mortgage loan when they turned over our home loan accounting records from XX/XX/XXXX - XX/XX/XXXX to CFPB on XX/XX/XXXX. Our loan papers clearly document that our loan was taken out under the Texas Home Equity Instrument that we signed on XX/XX/XXXX with XXXX XXXX XXXX XXXX. 

2 ) At that time, we had more than {$360000.00} in our home. The Texas Home Equity Instrument required that our payments be applied to principal and interest first and late fees always last. Many payments we have made on our loan were not recorded or misapplied to late fees after Washington Mutual Bank took over our loan in XX/XX/XXXX. 

3 ) Multiple payments made by cashier checks as well as payments made in 2 Ch XXXX Trustee cases were never credited in to our mortgage loan nor payments that were returned to us by Washington Mutual. 

In conclusion, it appears that J P Morgan Chase appears to fabricate the accounting record that stop in XX/XX/XXXX when Washington Mutual sent the Texas paper mortgage records to XXXX from XXXX and the paper records never arrived at the XXXX storage facilities. Since I have the original paper mortgage records, and we are are currently battling over inaccurate accounting records, JP Mortgage 's falsifying accounting records helps our case but other home owners should appreciate the pattern demonstrated here

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: Exeter Finance Corp.
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Exeter finance is a money hungry organization ... they have no regards to others. Especially during this pandemic ... I have been having financial hardships lately with me about to deploy to XXXX in a few months. They recently charged me XXXX dollars for having a payment that was 2 days late. Others have also said that they were repossessed during the pandemic. This company needs to be shut down. And as a American XXXX member I am highly disappointed!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: Security Credit Services, LLC
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My account with XXXX XXXX XXXX was referred to a collection agency in XX/XX/XXXX. I finally paid off the full debt, via payroll deductions, in XX/XX/XXXX. Now, over two years later - XX/XX/XXXX - a debt of {$320.00} appears on my credit report from Security Credit Services (  a new, different collection agency ) saying that the debt originated with XXXX XXXX. I have tried contacting Security Credit Services but the only phone number listed for them goes to a voicemail message promising a call-back that never comes. In fact, I have never heard from them. Online investigation shows this company has a deep record of erroneous collection action. This debt has been paid fully in XX/XX/XXXX and needs to be erased from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX has stopped reporting only to start a new report. While the age remains the same it still damaged my score 5 points and hasn't recovered. This is one of many harassment tactics that they have used which the FDCPA protects me from over the phone they have also claimed to be XXXX  themselves and refuse to be anything less than difficult and annoying. The harassment has occurred on every instance that I've called and includeds half hour hold times, repeatedly being put on hold, as well as unauthorized personnel asking me for vital information, repeating the same questions over and over again and just goes on.

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 2019-05-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello on XX/XX/2019 I went into Kohl 's XXXX in XXXX, Michigan XXXX and spend {$290.00} on clothes and on XX/XX/2019 I saw that the items that I purchase were on sale for lower amount so I went to Customer Service to ask if they could give me a PRICE ADJUSTMENT and the associate did give me one for {$90.00} which she said that they would credit my CHARGE CARD FOR. And I said fine cause I did not want any cash money back so yes credit my Kohl 's Credit Card. Well I check my statement account and notice that I got a {$19.00} credit back on my card and I don't know where that came from for the date XX/XX/2019 and mine you I did not return anything back or nothing like that. So I called Kohl 's Charge Card on XX/XX/2019 and talked with a XXXX who said that she see that it is pending and that her Manager is looking into it and will call me back within 24 hours and don't I try to handle it myself and go back to the store cause they will get back in touch with me. So I said okay fine, I will wait. I called back on XXXX XXXX and talked with a XXXX who transfer me to a XXXX  who was no help, who transfer me to a XXXX who was talking down to me and I said Ma I am trying to get this matter taken care of I help a receipt which said my card is to be credit {$90.00} and I don't see it and I see a return credit of {$19.00} and I DID NOT RETURN ANYTHING PERIOD BUT I DID BY MORE THINGS WHICH COST ME {$190.00} SO I NEED TO FINE OUT WHAT HAPPEN AND WHERE DID THIS {$19.00} COME FROM? BECAUSE I DID NOT SEE ANYBODY ELSE NOR DID ANYONE SEND ME ANYTHING TO EXPLAIN THIS TO ME. I AM A CUSTOMER, WHAT IS GOING ON?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-22
Company: EASTERN BANKSHARES INC
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Obtained a Massachusetts Heat Loan from Eastern Bank approximately seven years ago. On XX/XX/2020 I submitted payment # 83 of 84 payments. *4th payment ticket does not have final amount owed on it and states that " Before maturity we will send you a notice about your final payment. '' As of XX/XX/2020 I did not receive a final notice and needed to call Eastern Bank customer service. The woman I spoke to was very helpful and provided my final payment amount that is due on XX/XX/XXXX which is 1 week away and I explained I was not pleased I did not receive my final notice as stated. While the woman I spoke to was helpful, I would like to make the regulatory agency and Eastern Bank aware that it is unfair that I did not receive my final notice timely as the ticket book states.

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 2019-05-14
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
To my knowledge, I was never late on my XXXX auto lease with account number XXXX. But I realized that I was reported as being 30 days past due twice on XX/XX/XXXX and XX/XX/XXXX which can't be true. I have had this account since XX/XX/XXXX with no late payments and not sure why all of a sudden I was reported late. To my knowledge, I have always made 100 % positive payment history and have even tried to pay way before my due date.

Company response to consumer: Closed with explanation