BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-19
Company: ACIMA CREDIT, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
On XX/XX/21 Acima responded to my 2nd complaint about my consumer laws that was broken by their company. Acima basically told me that the laws do not apply to their company because their not a creditor or lender which is incorrect. Acima is in fact a creditor by law U.S.C. 1602 ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. My extending agreement was for more than four installments my agreement was 12 monthly renewal payments of {$360.00} before tax, plus an initial payment of {$50.00} before tax, for a total of {$4400.00}. I also called on XX/XX/21 when talking to a representative from Acima they told me they didnt know what they were and said he do not know why it was said that the company is not a creditor. He then transferred me to his supervisor. He also was confused but said they are a leasing company which is the same and the rule apply to them also by law 15 U.S. Code 1667d. This will be my last time contacting Acima for this matter if not corrected future criminal liability for willful and knowing violations will be imposed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have a credit card with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, TransUnion, and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion only reporting me 30 days late twice. There was definitely an error on their part. I was never two times 30 days late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
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: Account status incorrect

Complaint:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Experian, XXXX, and XXXX  XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX  only reporting me 30 days late four times. There was definitely an error on their part. I was never four times 30 days late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Suntrust bank in XXXX Md said I had a credit of {$5000.00} ask where to send i said put in checking, ask do I have to pay this money back she laughed and said no said in 4 days money should be in my account. Have spent about {$900.00}, put {$2000.00} in savings. Last XXXX XX/XX/XXXX person from Presidents office called said all money in my checking and saving they will take, I told her I would as a senior who receive social security and pension be devastated if they took all my money she said today XX/XX/XXXX she will call, spioke to a supervisor who said money will be taken today they have the right

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 2018-04-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
It is about the creation of unauthorized online account with my name. 
On XX/XX/XXXX, I received a message from Wells Fargo, where it is stated " your online banking information needs to be verified '' Then, Wells Fargo indicated me " they noticed a suspicious activity in " my account ''. 
On XX/XX/XXXX, another Wells Fargo message indicates " your online access has been temporarily suspended '' I confirm I have no online accounts with Wells Fargo. I have never opened it. 

We, my husband and I used to have our mortgage with them, but we paid it off on XX/XX/XXXX. 

We hope, we are free of scandals involving fake accounts erupted on XX/XX/XXXX. I have not tried to reach them until I get a response from you about the best way to proceed.

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 2019-02-28
Company: U.S. BANCORP
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I requested a loan modification on my home loan due to lose in income due to been laid off from my job and due to being victim of a real estate scam ( currently being investigated by the Massachusetts Attorney Generals Office ). I completed the modification packet provided by USBank Home Mortgage and faxed all requested documents as well as emailed them to Loss Mitigation department for review on XX/XX/XXXX. I followed up on XX/XX/XXXX and I was informed that I needed to submit prove of my mothers social security benefits as well as her monthly bank statements for the last three months which I submitted on XX/XX/XXXX. I followed up again in XX/XX/XXXX and at that time I was told that they had not received my documents and that I needed to resubmit the entire package and documentation again. I resubmitted everything again that same day. By XX/XX/XXXX, I had yet to hear from them regarding my application, so I called them to find the status. To my surprise they informed that my house was scheduled to be auctioned on XX/XX/XXXX and that I was out of time to submit the modification package since we were 6 days away from the auction date and that the deadline to submit the package is 7 business days prior to the auction date. I said that I had already submitted the package back in XX/XX/XXXX and again in XX/XX/XXXX. After waiting on the phone for more than an hour, a supervisor came on the phone and told me that they have the application, but I had to wait for them to review it. I asked if they will not postpone the action since my application has not been reviewed, and their answer was that I had to wait for them to review the application first and then they will make a determination. I asked again if they will have a determination before the auction date, and the answer was they didnt know. I said to them how can they have an auction on my house while my application has not yet been reviewed to which the only answer was you need to call every day and just check. 
As you can see, I did not receive an answer to the question I posed to the supervisor at USBank. How can USBank auction my house while in the process of reviewing my application for a loan modification? I need assistance postponing the auction on my house scheduled for Tuesday, XX/XX/XXXX. I am a single mother of a minor child who lives with me fulltime as well as my mother who is XXXX years old.

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 2019-05-31
Company: RGS Financial, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My name is XXXX XXXX. During the year XXXX, an account was opened with XXXX XXXX in Florida   reported with my social security number under the name XXXX XXXX from address XXXX XXXX XXXX XXXX, XXXX, FL  XXXX. The account eventually became overdrawn and was subsequently sent to a collection agency RGS Services. In XXXX, I, XXXX XXXX, opened an account with XXXX XXXX in XXXX Wisconsin  from XXXX XXXX XXXX XXXX, XXXX, WI   XXXX. The negative account balance from the previously opened account was transferred to my new account and subsequently went into collections. In XXXX, a payment was made by my bankruptcy trustee to XXXX XXXX for the account opened in Florida which was previously being reported. That payment closed the account, however because the balance was transferred, it appeared as two separate accounts to the collection agency. In essence, the collection bureau, RGS is double reporting the XXXX accounts, adversely affecting my quality of life. When I called to get the information, the representative refused to listen and insisted that because it has a separate account number, it must be a different account. Nonetheless, I dont have a debt with XXXX and currently have an open account with them. XXXX has updated their accounting, however, RGS refuses to comply with the FDCPA and consumer protection laws and have not verified the debts they are reporting. This account is paid in full, and it was not even mine in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
It seems there are some things that missed getting reported on my history that reflected in a positive manner from a company that did a Consumer Report. I made over 50 on-time payments to a leasing company XXXX ( Attached ) who failed to report that factor however they attempted twice to report owed balances that were their own miscalculations. 

I Attached information on the payment history and Government Issued ID for proof of validation.

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 2019-02-28
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Capio Partners , LLC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX After viewing a copy of my report, I noticed a collection placed on my credit report from capio Partners LLC on XX/XX/2019. I requested that they allowed me to validate the alleged debt because I was unaware of any outstanding medical bills that I possessed and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I was assumed to owe. I asked them to send me validation via certified mail to my address which was provided asking that they provide the following. 

Please provide breakdown of fees including collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

I was replied with a password protected email from Capio Partners LLC. The email couldnt be accessed and Im not really sure why they sent an email when I asked for any corespondents to respond via certified mail. I contacted the company again upon researching that they are not rightfully bonded in the state of Texas. 

Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. 

Since they not only incerted a collection on my report without validation or making me aware of the alleged debt but they violated Texas law by collecting debts in the state of Texas and not being bonded by the secretary of State.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-28
Company: Recovery Solutions Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Recovery Solutions Group , LLC on the second week of XXXX trying to collect a debt addressed to XXXX and XXXX ( letter enclosed ) for the amount of {$4700.00} for the services rendered by XXXX XXXX XXXX XXXX for the Company ( XXXX XXXX, LLC ) entity # XXXX registration date XX/XX/XXXX and is still active. XXXX XXXX is the agent and president, jurisdiction is California and address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX.This business is a single location in southern California . I ignored the letter thinking it must be a mistake. XX/XX/XXXX I received a phone call From XXXX XXXX ( Legal Coordinator ) for Recovery Solutions and she left a message regarding a debt and file # XXXX so I called her back and inquired about the call. She said I owe her client XXXX the above amount because I worked for XXXX XXXX XXXX entity # XXXX. I explained to her that there must be a mixed up and mistake since XXXX went out of business in XXXX and California Secretary of State suspended its permit and I have been retired since then. She asked if there is a relationship between companies and I said no, she asked if I know those people and I said no, but she did not believe me and mailed another letter to me and the lawyers ( agent XXXX XXXX XXXX ) who processed XXXX 's business permit back in XXXX. What I'm trying to explain here is the two companies have no connection at all and that they ( Debt collector ) can not go after another company just because they have similar names even though there are proof of documentations to prove it or maybe their investigators did not do their due diligence properly. XXXX is also a single location business and was located in Northern California. Also the transaction in dispute between XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX transpired in XXXX which is very recent and in southern CA. I am enclosing supporting documents to prove that XXXX XXXX XXXX which is already out of business since XXXX has no connection whatsoever to XXXX XXXX, XXXX and that XXXX XXXX is the person they should be pursuing and XXXX XXXX, XXXX not XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have reached out to Equifax about my credit report and the inaccurate information. There were a decrease in one of my accounts and the score went down instead of up. I 've opened a new account a loan to help build my credit and no score increase. This breach have really affected me and my ability to purchase a home. They are not reporting accuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: EQUIFAX, INC.
State: FL
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 ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: JPMORGAN CHASE & CO.
State: NY
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 not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, JPMCB CARD  XXXX Date OpenedXX/XX/XXXXalance : {$5700.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there are possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( XXXX ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: Google Compare Credit Cards Inc.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I called XXXX that's who I got the card from on XX/XX/20 to find out why my balance was XXXX when I had put XXXX on it when on my transactions I found over XXXX transactions from XXXX for XXXX cents until my account was completly drained. I dont understand why this many transactions were not red flagged

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Have called over 20 times. The debt is well past the statute of limitations. I have told them many times to place me on their do not call list and they have told me that they refuse to do so. They have threatened to sue on the phone, and then they sent me a letter that they legally can not sue because of the age of the debt.

Company response to consumer: Closed with non-monetary relief