BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I signed up for a credit card with Capital One back in XX/XX/XXXX with my Stepdad. At the time I was a student, and my step dad did not speak english very well. We signed up in person at a capital one branch. It recently came to my attention that the credit card I had signed up for included an annual fee. 

First, I find it a little silly that the bank teller would suggest a credit card with an annual fee for a college student. What kind of benefits would a college student need that requires a credit card have an annual fee? After a few attempts, I was unsuccessful in getting any refund for my annual fee. However, I was able to change the card to the XXXX, which does not have an annual fee. My annual fee is charged every year on XX/XX/XXXX, for the following year. I was able to change the credit card on XX/XX/XXXX. So even tho, I will not actually have a credit card with an annual fee for the remainder of this year, the full annual fee remains. 

Furthermore Capital One does state that if the card is closed within 30 days of the annual fee being charged it will refund the charge. I also wonder, does Capital One give it's employees incentives to peddle credit cards with annual fees? I was curious, so my 3rd time around I asked a manager quite bluntly if they were incentivized to sign up customers for credit cards with a fee. Unsurprisingly, they were unable to give me that answer ...

The best response I was able to receive was from a representative named XXXX, who agreed with me that it did seem unfair. Unfortunately, the system did not allow her to do anything about it ... She assured me she also would file a complaint on her end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-29
Company: World Acceptance Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
About 4 years ago I went to get a personal loan to help my mother out I was declined for the loan a couple weeks later they called me back and approved me for a loan. I lost my job that same week after that unfortunately so I could not pay the debt it has since now been sent to collections and charged off and is impacting my credit score I have went to the place of business to try and resolve this situation and was informed it had been sent to collections a long time ago and there is nothing they can do now. I would like to get the derogatory mark removed from my credit score and get this situation taken care of and or fixed but do not know how. I would like to have it removed or settle something or make arrangements to fix this situation on my credit report thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The collection agency Midland Credit Managment ( original creditor was XXXX XXXX ) send me a letter today stating that they will sue me, and take legal action towards a collection account. However, this account was deleted from my credit report on the three creditors : XXXX, XXXX and XXXX since the account met the requirements from FCRA. The account was opened in XX/XX/2014 according to their records and the amount owed is {$2000.00}. I called them immediately to resolved the issue and they kept accusing me and harrasing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-04
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have a checking account with Regions bank. My debit card information was compromised. This occurred on XX/XX/XXXX. Charges at various stores with my information were made, totaling in excess of {$1800.00}. I contacted the bank on XX/XX/XXXX, the earliest I was able to do so. They told me they would conduct an investigation and consult with me during its progress. Today, XX/XX/XXXX, I contacted the bank to see what progress was being made. They have already denied some of the claims, and did so without consulting me or asking me further questions. For example, they denied me my claim of a fraudulent charge of approximately {$220.00} at a XXXX XXXX XXXX. I have no kids. I have never been inside of a XXXX XXXX XXXX. There are other charges, such as over {$500.00} at a XXXX, a make-up store, as well as at a XXXX. I have never been to an XXXX. What's more, my workplace can show via video and time cards and the witness of my co-workers that I was working on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: CITIBANK, N.A.
State: AZ
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:
This started in XX/XX/XXXX when Sears alerted me to high value charges. Since then there has been multiple communication with Sears Credit Card Fraud Department since this date both in writing and over the phone including Today. Sears Cred Card Company currently claims I owe over {$3800.00} in fraudulent charges to them that I never made and have reported this to the credit bureaus even though according to my records Sears Credit Card Company owes me money since I have paid off everything that I charged to the account. They are trying to claim these charges are mine when the paperwork that they sent to me from XXXX showed an XXXX XXXX made these purchases and was shipping them to my address but was taking the packages off of my porch prior to me getting home since this XXXX XXXX knew I am gone at least 10 - 11 hours a day. This XXXX XXXX and not me is the one responsible for these charges. Despite alerting me to these fraudulent charges, Sears Credit Card Company was doing nothing but giving me the run around by saying different things such as the investigation is still open then it is closed then it is still open. Sears Credit Card Company has failed to give me a detailed explanation as to why I am responsible for  these charges when an XXXX XXXX made these purchases and swiping the items from my porch area prior to me getting home. I was not aware of these charges until after Sears notified me. Starting prior to this time period and up until XX/XX/XXXX, when this XXXX XXXX was shot to death due to him stealing from a XXXX in XXXX, AZ, he has a long history of theft. XXXX XXXX took advantage of my kindness, took my credit card number and wrote it down, possibly while I was asleep since I am hard of hearing and do not always have my hearing aides on, and recorded this information on his XXXX, XXXX, and XXXX accounts. Sears has failed to remove these fraudulent charges and is trying to get me to pay the $ 3800+ balance and reporting this information to the credit bureaus when it is clearly evident this XXXX XXXX was the one who made the purchases. I expect Sears Credit Card Company to remove these fraudulent charges from my account along with paying me back the money that I have overpaid to them. I have included what is my charges and the amount that I paid. Everything is not me.

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 2019-04-29
Company: Media Collections, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I received a letter from some collection agency called XXXX XXXX XXXX XXXX   claiming that I owed XXXX {$110.00}.

I called them on XX/XX/XXXX to explain that I had no outstanding debt to XXXX, spoke to XXXX XXXX.

At her request I emailed her a letter on XX/XX/XXXX explaining that there was no outstanding debt. I explained that nine weeks after the conclusion of my rental XXXX had tried to charge me for damage that did not occur. I disputed the charge. That matter was resolved in my favor and I attached the letter of confirmation that I had received from my credit card on XX/XX/XXXX.

On XX/XX/XXXX I received call from someone identifying himself only as " XXXX  '' at this agency. I returned his call and repeated that I had already provided them the documentation of no outstanding debt.

At this point

he made the following false claims in violation of the Fair Debt Collection Practices Act. " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt ... The false representation of -- ( A ) the ch
aracter, amount '' He claimed : -that the collection was for not for the bogus damage charge but rather for the cost of the entire car rental.

-that my credit card has issued a charge back for the amount of the car rental so that, in his words, " it was as if you had in fact rented the car for free '' These claims are 100 % false. He also refused to provide me with his full name. He demanded my email address, which they clearly all ready had, and reminded me that the call was being recorded as if he were not the one harassing me.

In short, here are the facts : -The car was returned on XX/XX/XXXX.

-The receipt showed a final charge of XXXX Euro.

-The charge posted to my credit card on XX/XX/XXXX in the amount of {$360.00} ( XXXX Euro x the exchange rate at the time 1.17589068= {$360.00} ) That credit card bill was paid in full by me on XX/XX/XXXX.

-Obviously the charge of the rental was paid in full as the amount on my credit card bill matches the receipt I was given when I returned the car.

-Additionally, no charge back was initiated by me or by my credit card regarding this invoice.

-XXXX  submitted a bogus damage charge of {$120.00} more than two months later, which appeared on the XX/XX/XXXX bill of my credit card.

-This charge was always characterized by XXXX as a damage charge.

-I did dispute that charge.

-The matter was resolved in my favor. XXXX accepted full liability and issued a credit.

-I received a letter of confirmation of the permanent credit on XX/XX/XXXX.

-The amount was for {$120.00}. Clearly this is the {$110.00} they are harassing me for, taking into consideration the difference in the exchange rate over time ).

{$120.00} is 1.16504853 {$110.00} is 1.13446602 I emphatically stated that he was not to contact me in any way in the future regarding this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: Experian Information Solutions Inc.
State: TN
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 have been trying to have incorrect information Collection companies/debts that are fraudulent and are not mine Incorrect statements that do not match my true history removed Over 31 inquiries that have impacted my score d/t another using my name etc .... 
Fraudulently -- - I have sent Info for removal XX/XX/XXXX XX/XX/XXXX And XX/XX/XXXX That should have been enough time to remove incorrect items And return my correct credit bureau scores -- - I sent letter from XXXX XXXX XXXX For information related to crimes against me

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 2022-11-12
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
there is someone out there that is sending me these bills and now they went to collections i never had before at all these XXXX  and XXXX  accounts but there in my name with my personal info on it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA
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:
To : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX From : XXXX. XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX Date : XX/XX/2019 XXXX : Courtesy Credit Inquiry Removal Instead of Fraud Investigation. 
Dear Sir or Maam, It is my third time writing a letter to your company. I recently conducted a review of my credit report, and I noticed One Main put several credit inquiries on credit report that I find to be problematic. 
I know they are not mine, and they are fraudulent, but I dont have ( 30 ) thirty days to wait on an investigation, which I know I will win. I need to remove these inquiries very soon so I can get my V. A. loan for my house, please? 
I have no recollection of doing any business with your company in my life. I got an auto financed with XXXX XXXX, I watched the finance manager called this company, and I saw him send my application to this one company only. 
I contacted your company and asked you all to take action and get these inquiries removed from all three credit bureaus. Your employees assured me they would comply with my request and take whatever steps necessary to resolve this issue. It is my last result. 
I wanted to file this as well and make sure this gets done. 
I am begging your company. Please investigate this and have these inquiries removed at your earliest possible convenience. I am applying for another home mortgage this week. 
I would very much like to have the assurance my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings soon, and I am begging. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter, XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have been trying to have incorrect information Collection companies/debts that are fraudulent and are not mine Incorrect statements that do not match my true history removed Over 31 inquiries that have impacted my score d/t another using my name etc .... 
Fraudulently -- - I have sent Info for removal XX/XX/XXXX XX/XX/XXXX And XX/XX/XXXX That should have been enough time to remove incorrect items And return my correct credit bureau scores -- - I sent letter from XXXX XXXX XXXX For information related to crimes against me

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 2019-04-29
Company: Commercial Recovery Systems
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
My wife and I were contacted by XXXX XXXX XXXX regarding a fake debt owed to a bank. Upon further investigation, there is no debt owed to the bank. CRS has threaten arrest to my wife and and doing even more investigation, CRS has been BANNED from ever collecting any debts per XXXX. We have also hired an attorney to take FULL, LEGAL ACTION against XXXX XXXX XXXX. This company has used vulgar language to us, impersonating law enforcement officers, as well as court officials. This calls started on XX/XX/XXXX and are also harassing family members.

Company response to consumer: Untimely response
Consumer complaint received 2019-04-29
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The collection agency XXXX XXXX XXXX ( original creditor was Comenity Bank ) send me a letter today stating that they will sue me, and take legal action towards a collection account. However, this account was deleted from my credit report on the three creditors : XXXXXXXX, XXXX and XXXX  since the account met the requirements from FCRA. The account was opened in XX/XX/2014 according to their records and the amount owed is {$2000.00}. I called them immediately to resolved the issue and they kept accusing me and harrasing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-07
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Per previous complaint XXXX, Wells Fargo stated that I had online banking enrollment from XX/XX/2012. 
I only had a mortgage and want full information as to when, by what method, and to what I supposedly gave consent. 

I am concerned as to what and how this is related to mortgage servicing and am afraid they may have opened additional banking services in my name without my permission

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 2018-03-20
Company: CAPITAL ONE FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
Hello, On XX/XX/2017 I went to XXXX XXXX to look and buy a new car, and I was in the process of getting one. The salesman at that time told me that XXXX XXXX   has a bank of their own and that they would use that bank to check out my credit and give me a price. The salesman was taking so long and I decided to not take the car instead and look somewhere else. Around a couple of weeks later, I check my credit report on XXXX XXXX and see that there is six different hard inquiries on that specific day. The names are Capital one, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: Interstate Credit Control
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2017, I moved out of my apartment ( @ XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX owned and operated by XXXX XXXX ) after giving my 60 day notice to move out. Along with the original " Move-In/ Move-Out Inspection Form, '' my caretaker of my building went though a walk-through of my apartment. He, XXXX XXXX, signed the Move-Out comments section stating " All good in apartment/ normal wear & tear of carpet with NO issues found. 
I was then told by him, and XXXX ( who works in the office dept. for Innovative Properties ) that I would receive my {$400.00} Damage Deposit within 30 days to my new address I left them. 
I NEVER received my Damage Deposit Refund! Instead, I got a letter shortly thereafter dated XX/XX/2017 ) from XXXX XXXX saying I owe {$830.00}. Said charges stated " We are not refunding your deposit from your apartment due to : Rent, late fees, and damages far exceed your original " security Deposit and accured interest. '' Then it shows a list of {$400.00} Orig. security deposit, trivial charges including charging me a late charge on a full months rent with is not correct, AND Less cost to replace carpet ( damage to carpet beyond normal wear and tear ; pro-rated based on life of carpet ). If the amount is not received in our office BEFORE XX/XX/2017 we will forward your debt to " Negotium '' for collections. This WILL affect your credit score and rental history. 
They did turn it over to XXXX, who when once notified me, I replied back with a written APPEAL LETTER. I stated why I didn't owe any money, that I had written & verbal and 2 recorded telephone conversations as proof. 
They " XXXX '' never responded to me again. This is, and has been, on and affecting my credit ever since. I am owed my money back w/ interest, PLUS " XXXX '' actions ( and failure to respond ) has/is affecting my credit and EVERYTHING in my life for the past 2 years! 
I NEED this resolved and actions taken to remove this charge from my credit report ( all 3 ) immediately! 
I have more supporting evidence that I am unable to attach to this complaint at this time. I can and will provide copies of such if needed in another attached form as well as I and can play and provide 2 verbal conversations as stated herein. 

I

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: URS Holding, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a police report for fraud Send it to the XXXX XXXX XXXX The account is fraudly open in my name I asked for a signature with my name and they failed to send but are still reporting on my credit report

Company response to consumer: Closed with explanation