BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-06
Company: LDF Holdings, LLC
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received an email to apply for a loan while I was searching credit card offers through XXXX. I needed {$700.00}. I applied online with XXXX. They sent an email asking me to sign documents. I did and they said congratulations, they are sending me XXXX to my bank account, which they did. THEN they sent me the repayment schedule. They want me to pay them {$320.00} every two weeks for six months for a total of {$3800.00}! They did not disclose that it would be that much and for that long. They just asked me what dates I wanted to set up payments. I did not want XXXX only {$700.00}. I can not afford this loan! This is as predatory as it gets! I didn't understand it and I didn't realize what I was getting into! I will have to claim bankruptcy which is said because I was using this loan to try and build my credit. I just found out today that I am being laid off and now I am in real trouble. I don't think lenders like this should be allowed to operate. They told me it is too late to rescind it. I just don't want to live if my life is going to be like this. I won't even be able to pay my rent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: EQUIFAX, INC.
State: IL
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:
I challenged the incorrect information with XXXX  account where you have clearly violated the law, and have put on my credit report three different high credit on the account that is closed. I want it deleted from my credit report. 
XXXX  is stating the high credit is {$990.00}. 
XXXX  is stating the high credit is {$0.00}. 
Equifax stated the high credit is {$700.00}. 
No company is telling the truth about the high credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: LTD Financial Services, L.P.
State: GA
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:
I have no idea who XXXX, XXXX is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. XXXX, XXXX is indicating that an account with the account number XXXX XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized XXXX, XXXX as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ I have no idea who XXXX, XXXX is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. XXXX, XXXX is indicating that an account with the account number XXXX XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

5. Provide the delegation of authority from the Director of the Office of Management Budget to XXXX, XXXX, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: Jacob Law Group, PLLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Today, XX/XX/2019 around XXXX PST I received a call from XXXX and the first thing I was asked for was my social security number. I asked what the purpose of the call was and was told that would be given once I told them the last 4 of my ss #. I told them I need to know who they work for, they wouldn't tell me. I told them I needed to know what the purpose of the call was again and they said I would need to give the last 4 of my ss # for them to tell me. Reluctantly, I gave them the last 4,  then they told me I owed money in delinquent taxes to the state of Mississippi. This is false. I have paid all of my taxes in MS and I haven't even worked in that state in over 3 years. They said they had been sending stuff to my previous address so I said mail it to my new address. Since I do not owe anything, I believe this to be a scam as they couldn't even tell me what company they worked for. It will be interesting to see what they end up sending me in the mail, as I do not owe anyone anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I called at the end of XXXX to increase our Heloc so we could do our upper roof - we currently have a line of $ XXXX and wanted to increase it to $ XXXX. XXXX XXXX said to try to go for the max amount and we could always bring it back down so we did. I supplied all the needed docs within one week. I then did not hear back. I checked back with him and he said he was to try to get a closing date on XX/XX/XXXX. We then had another verification of employment done and were expecting a date shortly thereafter. I then received a call from XXXX XXXX the processor and she said she normally did not deal with these so she was not sure but the underwriter wanted to pay down some items even though our appraisal came in higher than expected at $ XXXX. We only owe about $ XXXX on our mortgage so even with the increase to the $ XXXX we have on the Heloc we were in good shape with loan to value. We agreed to pay off a credit card, I also closed a credit card I do not use and lowered the limits of other cards I have that we did not need that much credit on. I used to work in mortgage so I know how they work. I have yet to hear back with an offer of what amount is approved. We have very high credit scores and we also have a ton of equity and rental income in our rental properties. I have asked for the underwriting manager to review this as this does not add up. We had been approved in a week when we originally took out the HELOC. I would like this investigated as soon as possible as our roofing project has been put on hold since XXXX at this point. Thanks for your help in contacting them and fining them if need be for not addressing our needs in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: Security Credit Services, LLC
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:
Dear Sir or Madam of the Consumer Financial Protection Bureau, I am writing to request assistancewith Security Credit Services ( a collection agency ) and their continued willful non-compliance and willful disregard of federal debt collection laws.
In addition, Security Credit Services ( a collection agency ) is collecting on an alleged debt which is the result of identity theft. Security Credit Services ( a collection agency ) which is acting on behalf-of,  or as a buyer of, debt from the original creditor of XXXX XXXX, has been provided written notice and original copies of FTC identity theft reports highlighting these accounts as fraudulent. The original creditor of these alleged debts resulting from identity theft, has been provided with FTC compliant identity theft documentation which includes police reports and detailed personal information. 
As a result of Security Credit Services ' willful disregard of the identity theft, my credit standing and  credit reporting has and continues to suffer from the dissemination of false credit information. 
Security Credit Services is in violation of the following as it pertains to the collection of debt which is  the result of identity theft : DATE : XXXX XXXX, 2017 reported debt of {$1300.00} XXXX XXXX, 2017 reporteddebt of {$1000.00} FCRA VIOLATIONS : Violation of and Failure to comply with FCRA 615 ( f ) Violation of and Failure to comply with FCRA 615 ( g ) Violation of/Failure to comply with ending collection on a debt that did not substantiate Violation of and Failure to provide debt verification Violation of and Failure to comply with FCRA Section 623 ( a ) ( 1 ) ( C ) Violation of and Failure to comply with FCRA 623 ( a ) ( 2 ) ( B ) Violation of and Failure to comply with FCRA 623 ( a ) ( 3 ) Violation of and Failure to comply with FCRA 623 ( a ) ( 2 ) As a result of these violations, and in accordance with FCRA, Security Credit Services is liable to me in an amount specified by the FCRA.
It is my hope that Security Credit Services understands the severity of its actions and the damage it has caused. Failure to comply with the FCRA, may be result in being sued by the FTC, Consumer Financial Protection Bureau ( CFPB ), state governments, or in some cases, consumers.
The FCRA provides for maximum penalties of {$3800.00} per violation in the case of lawsuits brought by the FTC. FCRA 616, 617, 621.
It is my intention to resolve this issue with Security Credit Services through the services of the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I voluntarily surrendered my XXXX XXXX XXXX to Capital One, the vehicle sold and my account was immediately sent to collections. Once the collection agency acquired the account I settled with them for a lesser amount. The credit file indicates there is still an amount owed to Capital One and it's not indicating that the account was settled. The credit agencies show it is past due. I filed a dispute and Captal One Indicated that its report was correct. It is not and it needs to be changed to reflect the settlement and the notes need updated that it was paid as less than what was owed to be reporting accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have been working with Helvey and associates about a debt, I was never told the bill was in collections, I also had to pull my only credit to see this was an issue. Once i found out I owed money i paid it. I asked the company to please removed the debt they were very rude, they told me i should pay my bills on time. 

I have already paid this debt the company will not provide any information for me, such as a receipt or a deletion letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: 2288984 Ontario Inc.
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received call from company of whose name I did not notice at XXXXCST on XX/XX/2020. Individual called from a XXXX. Identified himself as Mr. XXXX from the XXXXXXXX XXXX XXXXXXXX XXXX. Reported that he needed my statement of defense regarding a civil complaint filed against me immediately. Received a second call a few minutes later. Mr. XXXX reported that he was unable to take the statement or give me information. Placed me on hold to speak with a Ms. XXXX. I disconnected the call to answer another incoming call after being on hold too long. Received another call from same number. Individual was a female identifying herself as Ms. XXXX. Reported need for me to provide a statement of defense for civil complaint from her client. Client was later identified as Moneykey with balance owed of XXXX. Ms. XXXX stated Moneykey had sent several collection notices that were returned by the post office. Ms. XXXX reported I needed to settle issue today or she would further advise her client, Moneykey, to pursue a judgement within my county. I requested The documentation that Ms. XXXX have be sent to me for verification purposes. She informed me that she could not do so even after confirming my email address with her. Ms. XXXX demanded that I provide a settlement amount request or she would advise client to pursue judgement in civil court. I offered Ms. XXXX a number and disconnected the call after a prolonged hold period. Ms. XXXX later continued to contact my phone with an estimated six calls in a two minute timespan. On the last call at XXXX, Ms. XXXX threatened me once again stating i had thirty minutes to return her call or she  would encourage her client to pursue a judgement. Her approach has been harassing and threatening in nature and she discussed I could Only communicate with the client through her, not directly. The inability of her to provide sufficient documentation surrounding this complaint was extremely concerning as when I attempted To look up her agencies contact information, nothing was located regarding XXXXXXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act 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 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 has violated my rights.

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604A Section 2 : Is also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1666b - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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 2019-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio recovery is the name of the collection agency. the debt from this company has already been charged-off / written off and this collection agency keeps trying to collect on this time-barred debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
Equifax was hacked. My data was identified as potentially at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: EQUIFAX, INC.
State: MD
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:
On 2012, I have had Chapter XXXX Bankruptcy while I own my house in XXXX XXXX XXXX. XXXX, MD XXXX and I have a mortgage with it, after I received a discharge, my Mortgage did not show in my credit report until XXXX took over my mortgage and I had a complaint against them before and the XXXX said that they remove my Loan form my credit report, now I just checked my credit report and XXXX still showing in my credit report, I want XXXX to remove my loan from my credit report, l was discharged my personal liability for the mortgage because of the Chapter XXXX and I did not do any Reaffirmation Agreement with XXXX, I believe the XXXX did a violation of the Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have additional Information to provide under my complaint. Please see the attachment. I also requested Consumer Protection to get a Copy of this cancel check in my name. They refuse to give one to me. My complaint Number is XXXX. Also the the Letter that was date on XX/XX/2020 the Representative told me it was back date since XX/XX/2020. they never have no intention to speaking with me to resolve this issues. I am devasted how I am being treated in this matter. Navy Federal doesn't have no intention to investigate or speak with me. I ask this Office to retrive all documents on these Fraudlent charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I previously filed at complaint with CFPB and Bank of America and the case was closed today with only a partial amount of the money being refunded. 

The company still owes me a large some of money that was fraudulently taken from my account. The charges for a business-platform software program are large and nothing we every ordered. This product ( XXXX XXXX ) that was fraudulently charged to our account is a software program meant for a large business. Does not make any sense at all that this program would be charged to a personal account. Our money was never protected and bank of America made no effort to protect our money. Our money is not safe with Bank of America if they let fraud like this happen. 

Does not make sense that Bank of America only refunded a small portion of the fraud and not refund the full portion. The monthly charges for XXXX XXXX that my husband and I never ordered, have no evidence of owning, and would have not need to own. 

I am asking that CFPB ask Bank of America to reopen this case and investigate further. They are telling me there is a " not enough evidence '' to reimburse the money. However, I have plenty of evidence. We never authorized the buying of this product, we don't own this product and we don't have any need for such a product.

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 2017-12-22
Company: First Data Corporation
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am paid through my employer through a XXXX  XXXX card. Last week they placed a hold on my account because they claimed I requested an upgrade on my account. I did not. On Tuesday they requested additional documentation to verify my identify which I provided to them on Tuesday. My account is still locked up on Friday, XXXX XXXX, XXXX and they will not unlock my account until the XXXX. This is a XXXX XXXX hold and request and despite numerous calls to the agency they keep telling me that I will be unable to access my funds. I am stuck at school ( XXXX georgia ) and can not get home for the holidays due to their placing a hold. I have called First Data Corporation the parent company of Money Network and each time they tell me it will be between 24-48 hours. I forwarded the information on XXXX XXXX, at XXXX. As of this time it has been 72 hours since providing the information. Their claim is they are waiting for an update. I can not go home and I have been removed from my dorm and am sleeping in my car awaiting their release of my funds.

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 2020-07-06
Company: EQUIFAX, INC.
State: AR
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 SOON TO BE IN THE MARKET TO PURCHASE A HOME. I STARTED BY CHECKING MY CREDIT REPORT TO KNOW MY SCORE NUMBER. AFTER DOING SO I NOTICED A COUPLE OF ITEMS THAT ARE NOT MINE ON MY CREDIT REPORT THSE ITEMS NEED TO BE DELETED FROM MY CREDIT REPORT. XXXX XXXX   XXXX {$380.00} XXXX XXXX  XXXX {$1800.00} DPT ED XXXX XXXX {$6000.00} DPT XXXXEDXXXX XXXX {$2200.00}

Company response to consumer: Closed with explanation