BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-15
Company: WAKEFIELD & ASSOCIATES, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Two XXXX  bureau I have several issues on my credit report # 1. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX XXXX XXXX XXXX I was waiting on my XXXX  to process I was not even a month behind., so I informed them taht my check would be arriving with in 36 hours. They said turned your vehicle in or we will come after it so I took it to the dealship where I bought it then they said they sold it and I owe them almost 5000 dollars. That XXXX was like new and they got close to 8000.00 plus for it. So the pay off was meet and they willl not produce any documentation on whom they sold it to plus what it was sold for. I want proof of this XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted the creditor numerous times to remove erroneous account for the rental home that was not mine, I proved i was not notified of this debt or attempt to collect the debt properly in order to prove my innocence. 
I willingly provided documentation of OTHER legal rental, at time of said rental property that was falsely under my name. Informed creditor remaining monies owed is not to be distributed to my social. 

Fraud incident # XXXX XXXX XXXX police department

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 2021-02-21
Company: Waypoint Resource Group, LLC
State: WA
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 recieved a collection of {$450.00} on my credit report for a delinquent account from XXXX XXXX that is not mine. I had no knowledge of and no contract for this account. I disputed the account but the company verified it as accurate even though i have never signed or spoken to anyone at the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: U.S. BANCORP
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My credit card with USBank was fraudulently charged outside the US ( in  XXXX, XXXX ) on XX/XX/2020. USBank has refused to refund the charge. 

The detail of the charge shows that it was " Manually Entered '' for {$12.00} ( {$16.00} XXXX ). In addition, there is a related " Foreign Transaction Fee '' of {$0.00}. The " Merchant Category '' is " Computer Software Stores. '' The description is " XXXX XXXX XXXX, XXXX  XXXX XXXX On - XXXX XXXX Dol '', none of which is anything I have ever seen or dealt with or ordered, for that matter. USBank simply refused to reverse the charge with no explanation. 

We have never been to XXXX, XXXX. We have never ordered anything from XXXX, XXXX. I certainly have not ordered " Computer Software '' from XXXX ( or at all ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Security Credit Services, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Security Credit Services placed two derogatory accounts on all three of my credit reports without sending me a notice to verify or validate this alleged debt. XXXX XXXX XXXX previously sent me a notice in the mail about this debt in XX/XX/XXXX. On the XX/XX/XXXX, I sent a letter via certified mail for validation and there was nothing sent to me within or after 30 days as requested. Security Credit Services then places these derogatory accounts on my credit reports without proper validation. I found this to be extremely unprofessional. Without proper validation, how can you place something on someones credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: EQUIFAX, INC.
State: NY
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:
THERE IS AN ALLEGED CHARGE OFF SHOWING ON MY REPORT TO WHICH I DO NOT RECOGNIZE- PERSUANT TO FCRA 623 IM DEMANDING THE REMOVAL OF IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: BARCLAYS BANK DELAWARE
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: Problem with customer service

Complaint:
I used a balance transfer check having a promotional rate and when the promo rate expired the apr went to about 26 %. recently I did not believe this rate should apply and sent Barclays a dispute letter on XX/XX/2023. I received a response dated XX/XX/2023 which was nothing more than a form letter telling me to call their customer service number. On XX/XX/2023 I did so but the employee knew nothing about my dispute and could only read some information that said that the apr was correct, but the said the apr should be 20 %. 
Nothing was resolved. So I have withheld the disputed amount from this month 's payment and wrote a letter on XX/XX/2023 explaining my position to Barclays. I think Barclays should assign a person to this matter and contact me in a manner consistent with the billing dispute resolution procedures of XXXX XXXX. 
Please use my personal phone number XXXX XXXX or email XXXX when replying 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 2021-02-03
Company: EQUIFAX, INC.
State: NV
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 looked at my credit profile and noticed that there many accounts that I don't recognize nor did I authorize many of these companies to run my credit. I placed a fraud alert as I believe someone is using my identity. Please remove them immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: MoneyLion Inc.
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Called the provided number, it directs me to email sent and email got a generic response then a day later the ticket was closed. I also did not sign up for this card or request it nor heard about this business till today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I disputed several inaccurate items to the credit bureaus but they haven't neither answered me nor fixed my 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 2023-02-08
Company: EQUIFAX, INC.
State: NC
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021, an unauthorized transaction was made on my Chase Sapphire Credit Card for {$570.00}. I called Chase Fraud afterwards to report the charge as fraudulent and got my credit card cancelled and replaced. 

In the following credit card statement, Chase reversed their position and held me liable for the charge, even though I had clearly stated that I had not authorized the transaction. The reason for denial was because there was merchandise that was delivered to an address associated with me. I was not present at that location and did not receive delivery of the allegedly associated package. 

On XX/XX/2021, I reported the incident to my local police department and obtained a copy of the written police report. I provided Chase with a copy of this police report. Once I returned to the original address where the merchandise associated with this fraud was located, I refused the package and had USPS return the package to sender and mark it as " REFUSED ''. 

Chase continued to refuse to credit the transaction and continued to hold me liable. As explained over the phone several times with the Fraud Department, this was a transaction that I did not authorize. Also explained before over the phone, XXXX has reported that the transaction was made under a guest account with a fraudulent email address that does not match any of my known email addresses. I received no receipt of the purchase from the sender nor did I authorize this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: TD BANK US HOLDING COMPANY
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I purchased a XXXX XXXX XXXX XXXX From XXXX XXXX XXXX on XX/XX/2017 because of an advertisement on the Internet offered XXXX XXXX cars that stated the price of {$29000.00} with a payment of {$460.00} for 60 months. due to high-pressure tactics, I was baited then they, XXXX, switched the deal from the advertised deal to {$520.00} a month for 75 months financing {$33000.00} when the settled negotiated price of {$28000.00} at {$490.00} a month, XXXX manager, XXXX XXXX, called me and asked me would I come to the dealership to discuss my dissatisfaction, we discussed the problem and I showed him the internet advertisement and ask to see the written offer I made to the salesman and said that was the only deal I was interested in, He did not produce the written offer. XXXX became belligerent and said car XXXX was responsible for the ad and XXXX was not at fault even though XXXX name was in the ad several times. He also stated he was not going to do any thing about the situation. I left the dealership dissatisfied.and frustrated because XXXX XXXX denied responsibility for the ad and did not produce the written offer I made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Accredited Collection Service, Inc.
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
OnXX/XX/XXXX debt collected sent a notice in past due account. Paid bill within a week and asked for written confirmation debt was paid in full. Have repeated request twice and each time they give us different excuse for not sending out letter. They have also provided incorrect information before on how much was discounted by original company and when letters were sent out. When I have pointed out what occurred in the past they blame me. Original provider even admitted there was a mistake on their end on how process was handled

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 2020-05-13
Company: Credit Karma, LLC
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:
I was in the process of getting a mortgage through a different company which was at a higher interest rate when I received an email from XXXX XXXX aka XXXX stating that I could get a lower interest rate if I applied with their company. I clicked the link and completed the application and it said for me to email XXXX to explore my " options ''. I didn't receive a response. I get another email from XXXX   asking me to complete my application. I went through all the pages everything was completed so I asked my husband if he wanted to be co-borrower I figure maybe additional income was needed for my application. I received notification from my credit monitoring system that XXXX XXXX  XXXX accessed my credit report twice on XX/XX/XXXX and XX/XX/XXXX. I received another email from XXXX stating that I was denied approval because " loan representative 's credit score needs to be increased to XXXX ''. In the middle of this same email it stated " Your credit score : XXXX Date of credit pull : XX/XX/XXXX. '' I filed a complaint with XXXX XXXX XXXX and XXXX XXXX of XXXX responded to complaint saying that my credit score was below 620 which was not true. I asked her how did XXXX get my contact information and why they sent me that email to apply for a lower interest rate mortgage when I was already in the process with another company. She said they got my information from Credit Karma. Because XXXX pulled my credit THREE times on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX this inadvertently affected my original pre-approval with the other company. XXXX had no intention of approving me for anything even though my credit score was higher than 620. I checked FICO scores for XXXX  and they were higher than what XXXX was reporting. Credit Karma was reported the scores 100 points higher for XXXX  upward XXXX. Either way, I should have been able to qualify for pre-approval for a lower interest rate mortgage by myself without a co-borrower but the XXXX   system did a bait and switch and got me to include a co-borrower so they can get his information as well for marketing purposes. Even after XXXX denied me they continue to send emails asking me to complete the application. I feel this company is using phishing, bait and switch, and taking advantage of people during the COVID-19 pandemic by getting access to their credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: General Motors Financial Company, Inc.
State: MI
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:
Its been well past 30 days for the investigation and I havent received any information about the hard inquiries reporting on my credit report that I didnt authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I became ill and was unemployed. I struggled making house payments and went through XXXX XXXX to get myself back on track. I was told to become delinquent and they could assist with modification. 

Once I was through the modification with XXXX XXXX, the loan was transferred to ShellPoint Mortgage Servicing. 

I am in the process of refinancing and was told by my lender that I owed a much greater amount then projected as I have a {$21000.00} deferred principal balance. I am confused as in 2014 upon approval of the modification, I have a document that shows my Principal balance as {$61000.00} - as of XXXX see attached. 

The payoff shows my principal balance as {$47000.00}, deferred {$21000.00} and a few fees which total {$69000.00}. 

I along with my lender have called numerous times to find out why the principal increased but no one seems to be able to provide a clear explanation or provide the documentation to show where the difference is coming from. They have indicated fees but have no idea what the fees are from as I was told the late fees from the past mortgage company would be forgiven. 

Nonetheless, before paying off Shellpoint, I need a clear explanation how the balance went from {$61000.00} to {$69000.00}. 

Any assistance would be appreciated as I am not able to get any where.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
$ XXXX  monthly payments was originally taken by XXXX XXXX XXXX, then, {$250.00} and an enrollment fee of {$500.00} dollars.

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 2021-02-03
Company: EQUIFAX, INC.
State: WI
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:
My XXXX car loan is showing late payments. I have been attempting to have the late payments removed by disputing every month since XX/XX/XXXX. I've disputed between the months of XX/XX/XXXX - XX/XX/XXXX. Each time the dispute is initiated - XXXX reports updated information to XXXX, XXXX  and Equifax changing the level of delinquency and in which months the payments supposedly happened. The Fair Credit Report Act explains that since the information is inconsistent it must be removed and not updated. I attached the latest example of how XXXX  is reporting different late payments to Equifax and XXXX. Please help me to have all late payments removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: BlueChip Financial
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
A letter was written to Spotloan stating my hardship and inability to maintain terms of usurious loan. Original loan amount was for {$800.00} As of XX/XX/2019 I wrote spot loan letting them know my hardship and I had paid the full Principle of the Loan plus an additional XXXX XXXX 
This company changed the name of their company in order to attempt to debit my XXXX XXXX checking account despite me informing them they were no longer authorized to debit my account. I had a large unforeseen medical expense and am at risk for being evicted from my home so im unable to maintain paying back the interest on this loan that was at an usurious rate of 460 % which I have been now informed thru credit counseling is over the legal allowed interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I opened checking account and Money market account with PNC bank in XXXX. According to the documents that I received then, there is no minimum balance requirement to maintain the checking account. I deposited {$290.00} on XX/XX/XXXX. On XX/XX/XXXX I deposited XXXX and paid online bill for XXXX in the amount of {$78.00}. In XXXX, I deposited XXXX. I have not received any paper statements pertaining to my checking accounts. In XXXX, I deposited {$1500.00} another deposit {$270.00}, balance in the account was XXXX. 
Just recently, I learned that the balance in the account is {$850.00} and that the PNC bank changed the balance requirement from XXXX to XXXX on XX/XX/XXXX ( significant change ) and changing it to a different account without my permission. I have not received any notification about this major change from the bank. PNC bank has been deducting {$25.00} per month due to insufficient funds according to the change in the balance requirement which I was not informed via any paper statement. 
Any financial institution has a Fiduciary responsibility with the consumer. 
I tried to resolve the issue with the PNC Bank in person and again this morning via telephone. The bank is giving me a run around and not taking any responsibility in resolving this issue, meanwhile they deducted another {$25.00} from my account this weekend after I started the inquiry.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I CHECKED MY CREDIT REPORTS AND FOUND FRAUDULENT INFORMATION I CONTACTED THE THREE CREDIT BUREAUS THEY ADVISED ME TO GET A POLICE REPORT SO THE FRAUD CAN BE REMOVED FROM MY NAME. I DID THAT AND SENT IT IN TO THE CREDIT BUREAUS, XXXX WAS THE ONLY COMPANY THAT REMOVED ALL FRAUDULENT ACCOUNTS AND INFORMATION TRANSUNION AND XXXX DID NOTHING. I WANT THIS FRAUD REMOVED FROM MY NAME ASAP. THIS INFORMATON IS DEMAGING MY NAME AND CREDIT WORTHNESS. FRAUDULENT ACCOUNTS : 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 explanation
Consumer complaint received 2021-02-03
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
They're not applying the payments correctly and they got a lot of complaints against them for the same problem also they over charging us over 79 days of interest please look into my next step is contacting the XXXX I made money orders for XXXX payment and a extra XXXX for the principal balance and then I made a money order for XXXX and sent a extra XXXX. They saying that they applied all the money to 1 payment now saying that we owe 79 days of interest please look into

Company response to consumer: Closed with explanation