BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-21
Company: EQUIFAX, INC.
State: MI
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:
Back in XXXX, I had a XXXX XXXX XXXX XXXXXXXX ( Now XXXX, XXXX   Card ). They kept charging me fees and overcharging. I paid {$150.00} on XX/XX/XXXX, as final payment on a card balance of {$170.00}. I sent a letter to XXXX XXXX XXXX on XX/XX/XXXX, to get them to address the problem and close the account. They never investigated the problem or issue. They sent it to collections to a company called XXXX XXXX represented by the XXXX XXXX XXXX  XXXX XXXX XXXX. When I sent them a demand and proved they should not have tried to collect the account, the entered a settlement not to sue them or XXXX XXXX for violation of state and federal law. As part of the agreement, the account was to be removed from my credit and a XXXX balance letter sent out. This is not a write off account this account was closed so I would not sue them. I have tried to dispute it several times, and all agency refuses to remove it despite the fact I have a signed agreement the account was to be deleted. I am asking the CFBP fine all three major CB for willful violations of the FACT and other consumer protection law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX # XXXX, has violated my rights. 


XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: Financial Business and Consumer Solutions.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company FBCS Inc had sent me a letter dated XX/XX/2018. This letter is an offer to pay a debt at a reduced amount. Their offer is to pay a debt at a 80 % percent discount. I do believe that this debt amount at no matter what their letter states is incorrect. Also I believe this debt is to old to be listed upon any of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: WELLS FARGO & COMPANY
State: MI
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:
all list accounts and inquiries are fraud and are on my credit reports. 


WF/XXXX XXXX Date opened - XX/XX/XXXX Account number - XXXX balance - {$7700.00} XXXX  XXXX XXXX Account number - XXXX Date opened XX/XX/XXXX balance - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-09-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Incorrect exchange rate

Complaint:
On XX/XX/2018 my husband XXXX & I vacationed in the XXXX . Each morning the EURO rate was posted at the front desk. You then could calculate how much you would be spending each day. XXXX signed a few receipts ( MasterCard thru Citizens Bank ) with the " EURO exchange on the bottom of the receipt ''! Citizens Bank will not honor the exchange rate for the day. The MasterCard bill was astronomical. Why isn't the bank honoring what my husband signed his name to? They are known for no transaction fees or hidden fees. How did they arrive at that calculation for each day? 
PROBLEM : Exchange rate at hotel is different from Citizens Bank. XXXX also has a different rate for each day we were on vacation in Europe. 
3 different rates, please advise as we need assistance with this. XX/XX/18 telecom with XXXX supervisor XXXX for Bank. XX/XX/18 XXXX manager of credit dept. read from a policy on paper to my husband and the bank would not honor what XXXX signed for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXXXXXX Balance : {$5400.00}, XXXX  XXXX Balance : {$2700.00}, XXXX XXXX XXXX : {$1900.00}, XXXX XXXX XXXX XXXX {$1000.00}, XXXX XXXXXXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$7400.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX Balance : {$25000.00}, XXXX XXXX Balance : {$84000.00} " If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research accounts 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 accounts 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.

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 2018-09-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have tried consolodating my two loans with WF, they denied the application unless I come up with a co-signer. I then tried reducing my monthly payments, stating I was comfortable paying {$300.00} a month, more than half of what theyre originally asking. They came back and said they felt {$500.00} was a fair monthly payment. XX/XX/2018.

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 2020-05-23
Company: U.S. BANCORP
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I previously wrote you about my credit card company not honoring my dispute in not paying for incomplete work done on the air conditioning system in my XXXX XXXX XXXX by XXXX XXXX XXXX. They responded stating that they sent me a request for a third party statement. 

First of all it took them two months not to honor my dispute. If they took the time to review all the information sent to them they would have noted that on XXXX XXXX my car was returned to them for the second time. They kept the car over night and that is when they discovered a leak in the EVAPORATOR which they admitted they didn't bother to check the first time because it would have involved further inspection. ( this information was clearly stated on their worksheet of XX/XX/2019 for which they wanted to charge me an additional {$900.00} in addition to the initial {$1500.00} previously charged. 

Furthermore, why would I have to get a third party opinion ( totally absurd ) when the evidence clearly shows that they were negligent in not thoroughly checking the air condition system. There was other evidence information that they received that I would have had to send under separate cover. 

Please be further advised that In spite of the fact that this matter is presently being disputed against XXXX XXXX XXXX. U.S. Bank has violated my rights as a consumer by reporting me to various credit agencies as a bad risk after having excellent credit for some 29 years. They are also billing me for the disputed Charge of {$1500.00}. Meanwhile, I am still paying the other charges which I have accrued. They told me to take it up with XXXX XXXX XXXX which is presently being disputed. Why then are they billing me for a dispute which they have refused to honor.

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 2021-06-29
Company: U.S. BANCORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Us Bank reported on my credit report late on XX/XX/XXXX and on XX/XX/XXXX. 
i contacted USBank on XX/XX/XXXX to check those marks, and the representative : XXXX, confirmed to me that she dose see a payment on XXXX of XXXX and on XXXX 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 non-monetary relief
Consumer complaint received 2020-07-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Due to the COVID 19 pandemic I have had to find a new ways to pay workers of my company. I figured Id use the Chase online web portal because I have used it in the past with recipients with success. 

On the date of XX/XX/2020, I tried to make a XXXX payment to an employee via the Chase online website from my Chase business account. The recipient has a chase account as well so the transfer should work just fine I assume. I first sent a payment of {$5.00} to my employee using the employee 's phone number option linked to there XXXX account. It ended up not going threw so I tried using the employees email address to send {$2000.00} and that payment went threw. I assumed that the {$5.00} that did not go threw would have been refunded to my account however it has not been. 

On the date of XX/XX/2020 I tried to send the same receipt of whom I had sent {$2000.00} to previously with success, another {$1000.00} using the same recipient option on the Chase website portal to send the money, but entered there phone number assuming that the number and email and accounts are linked. Which according to the recipient are, and with proof on the recipients screen shots from XXXX they are. But for some reason when the phone number is entered in the Chase/XXXX   portal the payment transfer does not go threw. 

So a couple hours after sending the {$1000.00} on XX/XX/XXXX my employee is telling me they had not received the payment so I contacted the Chase to let them know the payment did not go threw. They did some looking up and I ended up finding out that the {$5.00} payment form XX/XX/XXXX had never been refunded and now the {$1000.00} I sent using the recipients phone number had been sent out but not to my recipient. I had my recipient show me her screen shots of the accounts linked and I have provide that in these documents. We had XXXX check to make sure the phone number is linked to the recipients account and they say it is. We both called Chase together on a shared call to get to the bottom of this to explain how the accounts are linked with the recipients phone number and email on XXXX. After a lot of back and forth explaining to Chase there systems error they finally told us theyd open a claim and I should be refunded within 10 days. 

On XX/XX/2020. I received a letter from the bank telling me that they will not refund my {$5.00} payment or {$1000.00} payment to me. I am writing this letter because Chase or XXXX has stolen or misdirected my payment and neither company will let me know where my payment went, even though I have documented digital proof that the accounts are linked via phone number and email.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-30
Company: Bridgecrest Acceptance Corporation
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
LOAN PAID IN FULL XX/XX/20 NO TITLE KEEP GETTING RUN AROUND XXXX SAYS TITLE DEPARTMENT DOES NOT TAKE PHONE CALLS NO MANAGER AVAIALABLE WHEN CALL CUSTOMER SERVICE TRANSFERED TO VOICEMAIL TRIED TO GET DUPLICATE TITLE UNABLE STATE OF COLORADO SAYS VEHICLE STILL HAS LIEN XXXX SAYS TITLE MAILED HOWEVER THAT IS NOT TRUE BECAUSE STATE REFUSES TO ISSUE DUPLICATE TITLE BECAUSE LOAN STILL SHOWING ON VEHICLE. 

ITS BEEN 8 MONTHS

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 2017-08-12
Company: Experian Information Solutions Inc.
State: ND
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 am a victim of identity theft. I filed a police report with the XXXX XXXX  Police Department this is the second police report I have made with the XXXX XXXX Police Department in reference to fraudulent and unauthorized accounts, hard inquiries and collection accounts listed on my XXXX XXXX, XXXX and Experian credit report. The police report case number that 's on file is : XXXX. I been receiving harassing telephone calls and death threats from creditors and debt collection companies in regards to the following accounts and debts that are fraudulent and unauthorized, and do n't belong to me. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, {$2800.00}, XXXX XXXX XXXX, {$14.00}, XXXX, XXXX XXXX, {$7100.00}, XXXX XXXX XXXX, the following hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX/XXXX/2016, XXXX XXXX XXXX, XXXX/XXXX/2016, the following collection account is fraudulent and unauthorized : XXXX XXXX, {$290.00}

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 2020-09-08
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I submitted a complaint on XX/XX/XXXX complaint number XXXX I have more to that complaint yes when I called the bank and ask them what happened to my money they said they had no record of it on there computer I'm singing I'm looking at this on my statement on my internet my phone they say no I have it on my phone if you want to check you have my email address that XXXX XXXX took {$88.00} out of my account 7 different times and {$42.00} and some cents from a place called XXXX XXXX the {$88.00} came from a XXXX XXXX store in XXXX Maryland my crew told me that my hundred-million-dollar crew he is taking more out different times and also yesterday XX/XX/XXXX he had my debit card taking off they said lost card when I try to use it please help if you can

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 2021-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
We paid {$2000.00} on our Capital One credit card on XX/XX/XXXX. The money cleared our bank and shows as credited to our account by Capital One. They are refusing to release those funds to our available credit until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Green & Sons Agency, Inc.
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a collection letter for a debt I had never been billed for. It has the wrong account number on the notification letter and I couldn't verify with the debt with the original company. I called the clinic and they had never sent me a bill for this debt because they had the wrong address on file for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
My Experian account was hacked into. I have called Experian numerous times with no option of a live operator. Experian also does not encrypt or censor personal information. 

My personal email was changed by the hacker and for the last month I have been locked out of my Experian account with no option of freezing my account. My Experian account has been completely taken over by someone else.

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 2020-01-27
Company: ACIMA CREDIT, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2020 the payment tried to go through and did not, I contacted the company XX/XX/2020and now Im being told i have 48 hours to pay XXXX in late fees or if not I'm stuck payment over XXXX more for the next 9 months, or i return the items purchased. i feel like they can do away with those charges since I just paid off the amount that did not go through. I tried speaking to 3 different people and everyone said no. Company is acima credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, we made a servicing request, however XXXX XXXX company completely ignored. Mr Cooper is not above the law and must comply with all servicing inquiry upon a written request. We are asking Mr. Cooper to provide an account ledger starting from XX/XX/XXXX thru present. The ledger must reflect all account history and accounting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: Santander Consumer USA Holdings Inc.
State: FL
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 contacted XXXX XXXX last year when I fell behind on payments. They put me on a program that lowered my payments to almost half of the payment for about 4 months. I made the payments, which had to be completed by XX/XX/XXXX. I was told that once I finished the program, my payments would show current. I paid off the program with a payment of {$1200.00} in XX/XX/XXXX. When I went I make my next payment, the minimum due exceeded {$2500.00}, but the normal payment that I was expecting was {$650.00}. I contacted customer service and was told that it had been fixed. When I checked my loan again, it appeared to have been fixed online, but I found out recently that I was placed into another program, due to effects of hurricane Irma. I never asked for or was told about this. My account showed no payment due. Once an amount due showed up, I paid the amount due. Then a couple of months ago, I was unable to log into my account online. My mother told me a repo man showed up at their home looking for me. Now I have a letter in the mail showing I am past due by {$3500.00}. I contacted them to make a payment and they advised me to pay {$290.00} last week, which is the remainder of XX/XX/XXXX payment and I would be taken from repo status for 10 days only. Now they want {$2300.00} to bring my account current which I dont have. I was not called about this. When I have made calls to resolve, they tell me they will escalate and I dont hear back. When I was pre approved for this loan in late XX/XX/XXXX, they discussed my loan with the dealer, who sold me an overpriced vehicle. My rate is sky high and I can not refinance. I cant afford a {$3500.00} payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-29
Company: Rocket Mortgage, LLC
State: MO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
on XX/XX/2018 a credit check was done. I DID NOT AUTHORIZE THIS. I did inquire about a loan on my PAID FOR HOUSE but did NOT NOT NOT authorize a credit check. I am furious about this and want something done asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: Dealer Funding, LLC
State: SC
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:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Untimely response
Consumer complaint received 2020-01-27
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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with non-monetary relief