BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-05
Company: Kriya Capital, LLC
State: OH
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have not been notified at all on this debt. The debt is from Credence Resource Management. When i spoke to someone there he requested I pay XXXX of the bill I explained to him I wasn't even aware of the debt until I started looking into fixing my credit. All he kept saying was to pay {$250.00}. The actual debt is {$490.00} from XXXX XXXX all the way back in XXXX. I have no recollection of ever receiving a bill from them. The credit agency told me that this account has been passed around to different agencies trying to collect their debt but when I asked the representative for a copy of the original contract he ignored my request. I have no idea what to do next. I asked him about filing a XXXX or a deletion letter but he just kept insisting I pay the balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been a victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.

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 2023-11-20
Company: Resurgent Capital Services L.P.
State: NY
Product: Credit reporting 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:
LVNV Funding LLC, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX has fraudulently reported my personal information to credit reporting agencies, In accordance with the FAIR CREDIT REPORTING ACT this creditor has violated my rights under 15 USC 1681 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. USC 15 1666b A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: SUNCOAST CREDIT UNION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX The XXXX, XXXX XXXX XXXX, XXXX, ( XXXX ) XXXX doing business as XXXX XXXX pulled Soft Credit Report Inquiries on XX/XX/21 & XX/XX/21, which lowered my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: PNC Bank N.A.
State: CA
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 opened a credit card account with BBVA on XX/XX/XXXX. ( see open1.png & open2.png ) On the terms of account opening, it is stated that annual fee is " {$0.00} for the first year your account is open ''. ( see Application Terms.pdf ) I attempted to close the account on XX/XX/XXXX, yet the annual fee is already posted on my account on XX/XX/XXXX, during the statement cycle of XX/XX/XXXX. ( see fee1.png and Statement.pdf ) BBVA won't let me close the account without paying the annual fee that is charged before the one year anniversary at XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I am a victim of identity theft and I have tried to correct the inaccurate, incorrect and misused information on my profile multiple times, and this company refuses to correct it and tells me its verified. I have shown proof information is all inaccurate and still they claim its verified.

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 2023-07-19
Company: FC HoldCo 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:
I want to emphasize that I have not applied for any credit or services offered this company nor have I granted permission for them to access my credit information. Therefore, the inquiry ( s ) made by this company are unauthorized and potentially damaging to my credit score and financial reputation.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo close both my checking accounts because they said fraudulent act if someone deposes money into my business account or personal account Wells Fargo will close my accountant says fortunate acts has it fraudulent acts when people are paying me for my services at Wells Fargo can't understand that or didn't understand it and they closed my accounts and they say how old I'm {$200.00} Wells Fargo have caused me a lot of pain closing my business and personal account and left me stranded by naturally

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: CURO Intermediate Holdings
State: GA
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: JPMORGAN CHASE & CO.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXXmany unauthorized transactions occurred on my account ( details attached ) I have notified my bank ( Chase ) that those transactions were not done or authorized by me on XX/XX/XXXX On XX/XX/XXXX, the bank sent me a notice ( attached ) saying that they found out that I have authorized these transactions. Since this is not the case, I have contacted them and they said that it has been done through one of my devices. I explained that it is not possible since I had all my devices with me. Then they gave me a description of the device ( brand ), and this is a brand I bever heard of They now say they will take back the credit from my account, and I do not. agree with this since these are not transactions I should be responsible for Please let me know what else I should do Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-20
Company: EQUIFAX, 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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After reviewing my credit report I noticed a collections from Midland Credit Management with the original debt from XXXX XXXX XXXX. This is not my debt. I am currently still with XXXX XXXX XXXX  and have excellent payment history with them. This collection is not mine and is fraudulent. My mail box has been broken into several times over the last five years. I have reached out to the collection agency several times and they still have not deleted this account. I want this account deleted ASAP off of all three of my credit reports because this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: ENCORE CAPITAL GROUP INC.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX are in violation of FDCRA rules and regulations because they continue to report fradulent account on my credit report. They have been  reporting an account opened on XXXX/XXXX/2013 for {$1000.00} that I have no knowledge of. I have made no agreements with them. I have received many phone calls and letters, but no matter how often I explain this is due to identity theft in the past they continue to harass me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-27
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2018, Bayview acquired the loan on my home from XXXX. When I contacted Bayview via phone on XXXX XX/XX/2018, after having already spoken to XXXX, I was informed I would have a 60-day grace period before my first payment with Bayview. Evidently, this was not the case. I filed a complaint with CFPB to obtain assistance with resolving the issue and began paying the arrearages. As I had stated in my previous complaint, I had been unemployed for several months the previous fall and had fallen two months behind on payments when Bayview acquired the loan. By XX/XX/2018, my employment was steady and I was able to make additional payments. Between XX/XX/XXXX and XX/XX/2018, I made four payments to bring the mortgage current and pay the two arrearage payments. The statement attached shows a payment made to XXXX in XX/XX/XXXX, as well as the payments I have made to Bayview. I am confused how Bayview can hold my payments in suspension, changing the monthly payment due from {$400.00} ( XXXX ) to {$430.00} ( Bayview ) without signed documentation, or at least a refinance / modification request. After much research, I found that Bayview was fined and found at fault with another mortgagee who attempted, in good faith, to work with Bayview, but the appellate court found Bayview to have engaged in " deceptive '' practices. This is why I need the assistance of the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: I.C. System, Inc.
State: IL
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:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The amount is {$1500.00} This company XXXX  I have no knowledge of this, never had their services, and I also informed the company of this mishap and for it to be removed immediately. I have reached out multiple times, also this company sold my information to a collections agency I C System which is illegal to do. They are continuing to attack my credit and call me on a daily. They have been harassing me on a everyday basis, it also dropped my credit score tremendously.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX is reporting a debt as a factoring company and Ive disputed this debt but have not gotten anything proving I owe this debt thru the bureaus or the company. Ive been contacted by another company a while back saying they owned the debt. Cant get anyone to remove it. Now XXXX is saying they opened and account for me on XX/XX/20 on the credit report.

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 2018-07-27
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:
Equifax along with XXXX  and XXXX  refused to remove the fraudulent accounts off my report violating the FCRA. I sent multiple times my police report along with my FTC affadavitt to no avail. Immediate rectification should be exercised to the problem at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: Finco Holding Company LLC
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I was excited to get a car. And I got a truck for {$8000.00}. The interest rate is 29.99 %. I am having a hard time making the payments with the high interest rate and the balance never goes down. I spoke with Equitable Finance, and they told me that my wife needs to get a job. I am a XXXX male and we have XXXX children. I do not want my wife working and childcare would be more expensive than what she could make. I ask for a lower interest rate and they said no. I am 17 days late on my payment and they turned my truck off. Now I can not work. Equitable Finance told me on XX/XX/XXXX that I should get a job at XXXX 's to pay my bill. And they did not care about my values in my XXXX community

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dispute XXXX Account Number : XXXX. 
Source of dispute information : XXXX XXXX XXXX XXXX  Type of disputed information : Payment History Violates Law Dates associated with item being disputed : XX/XX/2023 Explanation of item being disputed : 15 U.S. Code 1681a 2 ( A ) ( i ) -Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This missed/late payment is considered as a transanction and is not supposed to be reported to my consumer report. 

Dispute XXXX Account Number : XXXX. 
Source of dispute information : XXXX Number Type of disputed information : Payment History Violates Law Dates associated with item being disputed : XX/XX/2023 Explanation of item being disputed : 15 U.S. Code 1681a 2 ( A ) ( i ) -Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This missed/late payment is considered as a transanction and is not supposed to be reported to my consumer report. 

Dispute XXXX Account Number : XXXX. 
Source of dispute information : XXXX  XXXX Type of disputed information : Payment History Violates Law Dates associated with item being disputed : XX/XX/2023 Explanation of item being disputed : 15 U.S. Code 1681a 2 ( A ) ( i ) -Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This missed/late payment is considered as a transanction and is not supposed to be reported to my consumer report.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
When I was in college ( XXXX ) I banked with Wells Fargo and I was charged erroneous overdraft fees because my account reached negative dollars ( they told me deposits hadnt settled ). I tried settling this with Wells Fargo back then but was brushed off and forced to pay the fees they were charging me. Given this recent news about the Wells Fargo scandal, and the fact that they havent reached out to me to right this wrong, Im looking for reimbursement of these charges plus interest, because if the shoe were on the other foot you know they would charge me interest.

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 2018-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I have 6 inquiries on my credit report I need them disputed i did not authorize these inquiries and it's making my credit look bad

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
My business account with TD Bank was recently charged almost {$2000.00} by a company called XXXX I've requested that my disputes be expedited. I've been stuck in XXXX Tennessee without money also my XXXX XXXXXXXX XXXX was skimmed I've called td bank everyday begging them to process these transactions so I can get my money back. Apparently TD allows their managers to hang up on customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-25
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX, I telephoned Citibank customer service department via telephone and asked if I could pay off a Citi Flex Pay plan number XXXX that was accruing a monthly service fee of {$2.00}. I am not sure what happened and/or how the monthly fee came about, but rather than argue the point, I simply asked to pay the entire amount owing on that plan in full, which I did. The amount owing on that day was {$410.00} and their customer service representative took my payment over the telephone and assured me that it would apply in full toward the Flex Plan number XXXX. It should be noted that the payment was extra above any minimum payment due as of that date. 

On XX/XX/XXXX, I noticed that the balance of Flex Plan number XXXX had only decreased down to {$380.00} and the rest of my payment from XX/XX/XXXX had been spread across the balances of other flex pay plans on my account. I telephoned Citibank customer service team again at XXXX XXXX and was told that an error had been made by the first customer service representative, but my request would be honored since that was the agreement when I made the payment. 

Today, I noticed that the Flex Pan number XXXX still has a balance and made another call to the Citibank customer service team. During that conversation today, I spoke with supervisor XXXX with an ID of XXXX, who told me that the payment I made WILL NOT be used to pay the Flex Plan I had requested be paid in full. He then hung up on me! 

It should be noted that the supervisor for Citibank also stated that payments made by me apply first to late fees and interest, then to balances with lower APR. I believe that is a violation of the Fair Payment Allocation provision of the Credit Card Act of 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 monetary relief
Consumer complaint received 2023-07-25
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Yesterday on XX/XX/XXXX, I wanted to purchase a XXXX XXXX blanket from XXXXXXXX XXXX and saw a seller that had it, her name was XXXX XXXX, i decided to message her and tell her to send me additional photos and she did but when i asked her to show more she decided to not and call me rude things such as who does this and why do you need proof as I have the item already? However after that she blocked me and refused to give me money after I made the transaction through paypal. I have already contacted paypal but they are not cooperating with me. The purchase amount was {$38.00} through friends and family. The seller was eventually a scammer who I knew nothing about until I saw today about a post on XXXX about her. The individual has now blocked me and deleted her XXXX profile but her paypal account is still active as she is rejecting my refund claims.

Company response to consumer: Closed with explanation