BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-18
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:
My name is XXXX XXXX XXXX. I am the living man, executor, beneficiary of XXXX XXXX XXXX. It has come to my attention tht although i have written several letters asking for validation of debt, and audit trails in which i am not getting any response because of the automated system you have in place which in fact is a violation as well ... I am demanding these accounts be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for consumers privacy. I did NOT give consent to these accounts.

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 2021-07-02
Company: Southwest Business Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased and financed my home XX/XX/XXXX with SWBC. The company has been less than forthcoming about how my Escrow account is maintained. I deposit Taxes and Insurance along with the Principal and Interest to the account since inception. Currently they have decided that my account is short and my payment is now almost {$1000.00} more a month for what I believe is due to mistakes this company has made during the short length of my loan. I'm XXXX XXXX XXXX, still have to work, but am on a fixed income. was informed of this increase the month before it was due to increase. 

I have sent much correspondence since XXXX, XXXX to SWBC with convoluted responses and no one addressing my real concerns about mishandling of my funds. 

I am also attaching the back and forth messages between myself and the many responders from SWBC

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: OLD NATIONAL BANCORP
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
To whom it concern : we feel harrassed by Old National Bank. We had a personal loan for a business with XXXXXXXX XXXX, whom was bought out by Old National Bank. We assumed we would continue with our payment on this loan. They are now calling in the entire amount of the loan, which is around {$40000.00}. They want payment by XX/XX/2018 in addition a penalty of over {$1800.00}. We are seniors on fixed incomes. 
Were requesting a payment plan as we had initially. We anxiously look forward to a reasonable response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX We have made many efforts to pay this loan, including a line of equity based on the home but it fell apart when we had to replace a furnace. We can not do this again in time for XX/XX/2018. Please assist us. I do have an XXXX credit score. No other outstanding bills or loans or credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
As documented in the letter I sent to CitiBank, with a copy to CFPB on XX/XX/2015, I had repeatedly begged CitiBank to stop charging me interest until I was able to become re-employed. The letter explains the damage CitiBank 's predatory collection and high credit card interest charges have created for me and the damage I have, and continue to suffer. I am unable to find gainful employment due to the bankruptcy on my credit file, despite making it to the finals, since my credit report with the bankruptcy ruins my reputation. Please read the attached letter below. Citibank ended up charging my credit card account approximately {$25000.00}, when my actual card usage amounted to only {$12000.00}, which I offered over and over to pay. I just needed CitiBank to stop the financial rape they purposefully accomplished, especially as their marketing and TV sales promotions were touting them as the perfect corporate citizens by funding railway systems for XXXX XXXX, as well as other money making ventures, while putting me Ito bankruptcy with users by raising my interest charges on my credit card account with them.

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 2021-11-29
Company: AMERICAN EXPRESS COMPANY
State: MO
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:
I received about XXXX marketing offers from American Express throughout 2021, explaining that I was pre-approved for an account with them. 
I applied for an American Express account on XX/XX/2021. I received notification that I was approved for an account, and that a new card was coming to me. I received a notification of account cancelation on XX/XX/2021. On XX/XX/2021, I received the card in the mail and attempted to activate the card. I was unable to activate the card, as I had expected due to the notification I received in my email on XX/XX/XXXX. I spoke to XXXX different representatives, who all told me that they would be unable to remove the credit inquiry from my report as I had requested. My issue is that I was misled by American Express into believing that I could open an account with them again, because they sent me many pre-approved marketing offers. If they had banned or blacklisted my account for a period of time, or permanently, then I should have received information explaining that if I apply for an account again, I will not be approved and my account will automatically be closed. I would like American Express to remove this credit inquiry from my report as they purposely misled me into applying for an account when they had no intention of honoring the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Yamaha Motor Finance Corporation USA
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Yamaha Financial Services has failed to provide a current and accurate statement for several months. I have called and emailed several times and they have failed to respond to my requests for statements. 

As of XX/XX/2020 my account shows the following statements : Statement Date XXXX XXXX XXXX XXXX XXXX Notices there are no statements for XXXX, XXXX, or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
ORIGINAL TRANSACTIONS ( authorized ) Oldest to newest : XX/XX/XXXX Check Card : COINBASE CHEAPSIDE GB XX/XX/XXXX - {$20.00} XX/XX/XXXX Check Card : COINBASE CHEAPSIDE GB XX/XX/XXXX - {$20.00} XX/XX/XXXX Check Card : COINBASE CHEAPSIDE GB XX/XX/XXXX - {$20.00} XX/XX/XXXX Check Card : COINBASE CHEAPSIDE GB XX/XX/XXXX - {$15.00} XX/XX/XXXX Check Card : COINBASE CHEAPSIDE GB XX/XX/XXXX - {$10.00} XX/XX/XXXX Check Card : COINBASE CHEAPSIDE GB XX/XX/XXXX - {$12.00} That is exactly how they appear on my credit union transaction history. The only information removed is my debit card number. These were authorized and acceptable. Now, here comes the problem. 

XX/XX/XXXX I check my history to find an entire double unauthorized set of transactions all posted at the EXACT same time but with slightly modifed decription : UNAUTHORIZED TRANSACTIONS : XX/XX/XXXX Check Card : COINBASE TRAV FUNDS CHEAPSIDE GB XX/XX/XXXX - {$20.00} XX/XX/XXXX Check Card : COINBASE TRAV FUNDS CHEAPSIDE GB XX/XX/XXXX - {$20.00} XX/XX/XXXX Check Card : COINBASE TRAV FUNDS CHEAPSIDE GB XX/XX/XXXX - {$20.00} XX/XX/XXXX Check Card : COINBASE TRAV FUNDS CHEAPSIDE GB XX/XX/XXXX - {$15.00} XX/XX/XXXX Check Card : COINBASE TRAV FUNDS CHEAPSIDE GB XX/XX/XXXX - {$10.00} XX/XX/XXXX Check Card : COINBASE TRAV FUNDS CHEAPSIDE GB XX/XX/XXXX - {$12.00} As you can see, they changed the charge and added " XXXX XXXX '' to it. They still have the original date at the end. These are NOT authorized in anyway. I have NOT made any purchases for virtual currency on XX/XX/XXXX. 

The original transactions POSTED and the money was REMOVED from my checking account via the debit card. The unauthorized transactions POSTED and the money was REMOVED from my checking account. 

I have sent in a ticket but haven't heard anything back and have Case ID : XXXX was on the phone waitning for a rep for an hour, heard someone breath, then got hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Convergent Resources, Inc.
State: NJ
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 a debt that is showing on XXXX  and XXXX  and it has been mailed to my forwarding address. I have never done business with CONVERGENT OUTSOURCING INC, I contacted them they stated I needed to file a police report and make a complaint. I wanted to make my complaint to you because I only recieved mailed at that address for 1 month I had recently become a guest to America. I have proof and will be filing the police report with the 3 bureaus. 
XXXX XXXX XXXX XXXX. New jersey needs to be removed was a address issued to send paperwork never ordered Bill 's there CONVERGENT OUTSOURCING INC never done business with them either XXXX XXXX XXXX I cancelled my policy with the insurance and they still charge me when I left the company I didn't even use their services a month XXXX XXXX not my numbers inaccurate

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 2020-11-20
Company: Rent Recovery Solutions
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: Investigation took more than 30 days

Complaint:
Ive sent a verification letter and havent received anything back. Its been more than 30 days. An i request this account get deleted from my XXXX credit report. Since they cant verify the debt. It goes against the FCRA and should be deleted immediately. Or will be fined {$1000.00}. So Im requesting you deleted this account or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: EQUIFAX, INC.
State: TX
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 submitted multiple disputes for incorrect information on my credit report to Equifax. Twice they have sent me a letter stating that they require additional identifying information because they are unable to locate my credit report. First of all, I am a subscriber to their company 's services, so the fact that they can not locate my credit report is baffling to me Second, I have submitted a copy of my Social Security card and driver license with each dispute. Furthermore, I have re-submitted the requested documentation to Equifax TWICE through both of the addresses they list on the letter ; they still can not seem to receive them even though I sent them via certified mail, return receipt requested, and have the signed receipts. This seems like an attempt by Equifax to avoid initiating or completing investigations within the 30-day time allotment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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:
On XXXX/XXXX/2020 I pulled my credit report and discovered multiple inaccurate accounts reporting. I have filed countless statements and dispute and this company and the credit buearus have failed to remove these accounts. This is prohibiting me from purchasing a home. I was a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: General Motors Financial Company, 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:
Account is no longer open no business with company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: Diversified Consultants, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was a XXXX customer for over 12 years. One day I got the family plan with four phones. They told me that I qualified for a free tablet. I told them I didn't need it, wanted it or the extra cost. They told me it was free and wouldn't cost me anything. I asked is it 100 % free and they said yes. So I agreed to take it. I was told the bill would be about {$200.00} a month and I would also receive a {$600.00} rebate. It was not a mail-in rebate it was an in store rebate and there was nothing for me to do. 

The first bill was higher than expected but they told me that would happen so I wasn't worried, cause this happens every time I got a new phone with XXXX. On the second month the bill was still over {$900.00} I called them up and told them about the rebate that they never applied. after a few months of this happening I noticed that my bill was closer to {$270.00} a month. 

When I asked why it was so high they told me it was because I had five lines and I was paying for equipment cost. I told them I only had four lines and that I didn't have an equipment cost cause I got the free phones.They said I had a tablet and that was the fifth line and the equipment cost. I asked about it being free and they said that it didn't cost me anything the day I got it. I explained to them the meaning of " free '' but they had a different definition.then I did. I told them that I wanted to return the tablet and remove the phone line. I was told that they could not do that because I had the tablet for so long. I would have to call up XXXX to get it removed. 

When I called XXXX they told me I would have to pay a cancellation fee and pay off the tablet. I was not allowed to return it. The service at this point was so bad that I decided to cancel the entire contract. They originally told me I owed them {$900.00}. I asked about the rebate and they said I wouldn't get it cause I was canceling my account. I told them I wouldn't cancel if they got my bill right and give me what was promised. 

A few months later I got letter from a Debit collector claiming I owed {$1800.00}. I explained the entire story to them and they said they would close the account for {$1200.00}. One day I was looking at my credit report and noticed I had a collection notice for {$1800.00} I filed a dispute and for the past three years I have not heard from them or had a remark on my credit report. A few months ago I got a call from a debit collector telling me I owed the money. I now have a negative remark. After three years of not hearing from them they are now trying to collect on a debt that was taken care of? Can you please help me with this matter?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-06
Company: GB Collects, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Approximately 1 month ago, I received a letter from GB Collects, in XXXX NJ. Phone number XXXX. Their file # is XXXX. They indicated that they were contacting me on behalf of XXXX XXXX, and claimed I owed their client, for XXXX, from a year and half ago. I immediately contacted them, and disputed their claim. I asked for physical proof that I owed the debt, and they couldn't provide any. I had XXXX for 2 months, and paid my bills. I then became unemployed, and was able to get Medicaid. I contacted XXXX, and cancelled my insurance. At that time, no one said I owed anything. GB collects calls my phone constantly, and sends me letters in the mail. They have failed to provide me proof, and I asked them not to be harassed anymore, but they continue to do so. Any help with this would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
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 belongs to someone else

Complaint:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was previously contacted by this collection agency in XXXX about a debt to a doctor that I do not know. I have never even met this doctor. Supposedly this is about a XXXX that I had in XX/XX/ 2019.

But all of the medical bills were related to that XXXX were paid for by my medical insurance company. This bill was paid in 2019 by my health insurance 100 % and I have no obligation to this doctor. I don't even know who the doctor is. 

I explained all of this to the collection agency called Grant & Weber. They refuse to listen to 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 2017-08-02
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I just have a simple complaint about the business overall. My credit card was issued through XXXX XXXX XXXX, and is managed by TD bank. It is no longer an active card, as XXXX has changed its banking since then, or some such thing. My complaint is -- I ca n't reach a person. Their round and round automation can make a person unpeel. I ca n't remember the dates in the past, but I have tried to call them twice about issues I had when trying to make a payment. On XXXX XXXX, 2017 I called to discuss my bill with someone. Nope. I am current on payments, but I wanted to discuss my next payment. Obviously the banks are on to the blanket advice from financial advisors to " talk to the company, they 'll deal with you '' It 's time for consumers to stop putting up with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Netspend Corporation
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was incarcerated in XXXX when this account when was opened by the thief that broke into my home on XX/XX/XXXX. I was released on XX/XX/XXXX. {$2800.00} was used of money that I had no knowledge of until I was released.I reported this as soon as I figured it out and was told that due to their inability to recoup the money from the banks they couldn't return the money to me. I did not open this account. I did no t authorize anyone else to either. I advised them I was a victim of identity theft and was told that was a bigger issue than a dispute and that I needed to get legal assistance. None of this should apply to me because the account was fraudulently opened and used without my knowledge. I was also told that because the phone number on the account matched the number the account was opened with that there was no error. This was untrue however because when I was able to finally get to speak with someone in the fraud department I advised them that the number was not mine and she changed 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
Consumer complaint received 2018-07-06
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX, XXXX I began employment with a XXXX XXXX 

I received a letter on XX/XX/XXXX stating that I qualify for the Public Service Loan Forgiveness Program. I was given credit for 34 past payments from my previous school district. My estimated Eligibility Date is XX/XX/XXXX. 

When I received my qualification, I phoned XXXX XXXX to confirm and get any additional information that I needed. I was told that I needed to reapply every year to keep this program current. 

On XX/XX/XXXX, I phoned the company to see if I needed to reapply at the beginning of the school year or wait until XXXX to do so. 

I was told by the representative that I was not in the program and no payments have been made toward this program. Also, I did not need to reapply but fill out a new application to start the acceptance process over from the start and if I am accepted it will retroact the process. I did not matter how often I reapplied as the program does not give forward credit for my being accepted and everything is done " retroactively ''. 

This information appears to be in direct conflict from my previous letter of XX/XX/XXXX.

Company response to consumer: Closed with explanation