BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-18
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
When I started receiving my SSI benefits from 2010, about XXXX $ was withdrawn from XXXX XXXXXXXX XXXX AT a ATM IN XXXX XXXX XXXX XXXXXXXX Location, at that time I was with TD bank???? Due to a lump sum from SSI benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I called XXXX XXXX XXXX XXXX on XX/XX/2021 at XXXX and informed them that I dispute the validity of this debt because I never applied for these credit cards and never owned them and that someone has stolen my identity. I also mailed a written letter to them on XX/XX/2021. 
Ref # XXXX, XXXX these are the XXXX letters I received in the mail from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: Consumer Portfolio Services, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I took this loan XX/XX/2015. To bein with it is already predatory at 22.5 % interest over 6 years. But i did accept it. I negligently have not been monitoring my loan balance. I realized after 2 1/2 years I have paid {$310.00} of prinicpal. Based on the amoritzation schedule I should be around {$12000.00}. They say interest on late payments has accured. This was not disclosed or explained. Its insane! I am being robed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Albert Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
On XX/XX/23 Albert took {$96.00} out of my XXXX checking account which I did not authorize. I contacted them immediately because I didn't have a payday loan or any other kind of payment due to them. They told me that the {$96.00} was for a years subscription to XXXX, which is some kind of program they offer. I told them I never subscribed to any such thing, nor did I authorize them to take anything out of my XXXX account and I asked for my money back. Round and round we went and they finally agreed to give me my money back, but that it was going to take 4-6 business days. I asked why they couldn't return what they took immediately because it was going to cause my XXXX account to get overdrawn, and that inherently leads to a multitude of other problems. They said they can't process refunds that way and to just be patient. We'll, I still haven't received a refund. I think potentially this is a scam that they run on a lot of people and maybe nobody has reported it and them yet. I have copies of all of our texts back and forth along with my XXXX Bank statement if needed. I just need my {$96.00} back. At this point I'm screwed because of this unauthorized withdraw from my account in so many ways I'm not even sure where to begin other than I've also incurred an overdraft fee from it. Unfortunately I'm caught up In the middle of the payday loan cycle. It's a very delicate balancing act. When that one domino fell its created a chain reaction I'm not sure how to recover from. Please let me know what other information you need from me. I'm unaware of how this process works, but I want to learn and here to help.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: ADP Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
XXXX is a company used by XXXX XXXX. I have had XXXX deposits not get there. It is in adp. Which is a connected distributor to XXXX. I did get a deposit on the first XXXX card One that is only good for 20 days. I got the other one activated it. I have not got a deposit since. I call hr and ADP each blame each other. On the XXXX XXXX  card website. All my direct deposit info is correct. Still no deposit. Why is it a problem? 
Thanks. 
XXXX XXXX. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-07-22
Company: FC HoldCo LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I dispute the information being report by FLAGSHIP CREDIT ACCEPTAN FLAGSHIP CREDIT ACCEPTAN # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX this auto loan was paid in full by my auto insurance and my gap insurance. I believe this company is trying to get extra money from me when this account should show paid in full. 

I refuse to be strong armed into over paying on an account that has already been satisfied. this company is fraudulently reporting incorrect information out of spite and greed. remove this damaging information from my report. I request this complaint be escalated to an executive/level in which this item can be resolved.

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 2020-07-22
Company: CITIBANK, N.A.
State: SC
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:
In XX/XX/2017, I opened a secured credit card with Citicards for the amount of {$200.00}. Shortly after the account was closed. I do not understand why Citicards continues to show a balance on my credit report for {$250.00}. I've disputed this account numerous times with all agencies. They are suppose to take the secured funds to pay off the balance, but as my credit report shows it looks like this hasn't been done and the amount showing is more than the secured amount.

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 2020-07-22
Company: Credit Control, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2020 certified-mailed a letter disputing owing the debt.

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 2021-12-07
Company: U.S. BANCORP
State: OK
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:
creidt card was on my credit report thats not mine when i called the company to discuss this with them they had address that i have lived sence i was XXXX a bad cell phone number and landline attched to an address that i lived at durring the time that this account was opened

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 2020-07-22
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX XXXXXXXX account and credit reporting was removed for authorized user 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 2020-06-02
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX I partially signed a lease for an apartment complex in XXXX, North Carolina. The lease had to be signed by a legal guardian, as I was only XXXX at the time and did not have the ability to financially cover the apartment. The apartment layout and number that I originally signed for was no longer available, so they wrote up a new agreement for a new apartment with a new floor plan, room number, and roommates. Both me, and my legal guardian, never signed the lease but they sent it to collections. The XXXX XXXX  XXXX has now been bought out by new owners and they no longer have my records on file there. I contacted the collection agency and they sent me what they had on file. All that they have on file for me is documentation that I electronically signed with my initials, and they have someone else 's name and signature on the front of the agreement. The only signature they have on this document is a person named XXXX XXXX. There are no legal signatures from neither me, or my legal guardian. I have tried to get this item disputed several times though XXXX, XXXX and XXXX. The most recent dispute was in XXXX of XXXX. Both XXXX  and XXXX  have reported that this information is correct. However, I am not sure how this is accurate when the only signature they have on file is of a different individual. When I contacted XXXX by phone, the person on the phone explained that there were two individuals on the lease, both myself and XXXX XXXX, and that he would have to go over it and get back to me within a week. This collection is ruining my credit and I really don't feel that it is just in any way. It is delaying the process of me being able to buy a house and it is very frustrating. The collection agency that it is reported under is Fair Collections & Outsourcing. It seems very sketchy that someone else 's name and signature is the only signature on my lease agreement. Below is the photo of the document that the collection agency sent me with the incorrect name and signatures. There are several other documents, but none with signatures from anyone else. Thank you so much for your help.

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 2020-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
Capital One account and credit reporting was removed for authorized user XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: EQUIFAX, INC.
State: MT
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:
FCRA violations : payments never late XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : accounts are not mine XXXXXXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$4900.00} Status Account charged off. {$5000.00} written off. {$4900.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXXXXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$160.00} Status Account charged off. {$160.00} written off. {$160.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On XXXX XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: NC
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/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 2021-12-07
Company: EQUIFAX, INC.
State: DC
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:
EQUIFAX AND XXXX ARE XXXX XXXX XXXX XXXX COMPANIES THAT LIKE TO TORTURE AND DESTROY XXXX PEOPLE AND XXXX VETERANS!! THESE IDIOTS AT THESE XXXX COMPANIES REFUSE TO REPORT PAID CLOSED ON ALL MY XXXX STUDENT LOANS THAT WERE DISCHARGED DUE TO XXXX! THEN, THE COMPANIES LIE TO THE CFPB AND THE PUBLIC AND SAY THEY WERE INVETIGATED AND PROPERLY REPORTED WHICH THEY WERE NOT!! THIS IS NOT A DUPLICATE COMPLAINT!! YOUR COMPANIES LIED TO THE FEDERAL GOVERNMENT AND VIOLATED FCRA WHICH IS A CRIME!! MY STUDENT LOANS ARE ALL DISCHARGED/PAID/CLOSED ZERO BALANCE AND YOU WERE TOLD THIS BY XXXX AND YOU ARE DELIBERATELY REPORTING OPEN OR A BALANCE WHICH IS ILLEGAL!! SEE ATTCHED DISCHARGE LETTER!! REPORT ALL MY XXXX STUDENT LOANS PAID CLOSED ZERO OR I WILL SUE YOUR COMPANIES FOR EVERYTHIG ITS WORTH, AND GO TO THE MEDIA WITH MY COMPLAINT!! YOUVE BEEN REPORTED TO THE ATTORNEY GENERAL OF THE STATE YOU DO BUSINESS IN GEORGIA AND CALIFORNIA AND DC ATTORNEY GENERALS OFFICE!! EQIFAX REFUSES TO ALLOW ME FOR STUPID REASONS, ACCESS TO MY FREE ANNUAL CREDIT REPORT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
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: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXX and Equifax all are reporting and unfair discriminatory credit scores very low... there are no collections and no late payments ... my credit score continues to decrease instead of increase and I am also be denied credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: U.S. BANCORP
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:
The following disputed account is a fraud account as I have never opened or used it : Elan Financial Services account XXXX Please investigate and delete asap.

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 2023-07-16
Company: U.S. BANCORP
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I applied for credit card account from us bank and was denied pursuant 12 cfr 1002.4 discrimination was the reason I was unlawfully denied also 15 us code 1611 its illegal to deny us credit credit is our right. 15 us code 1691 a and ucc3-302 I should never be treated so inhumane I have been discriminated lied and my right infringed also reporting this to my credit report without my consent is illegal as well

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 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX ( Original Creditor : 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 2021-01-24
Company: EQUIFAX, INC.
State: IL
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:
My date of birth is incorrect on my credit file. I have sent several dispute letters to be corrected and called Equifax directly as well. I have sent in several request to the credit reporting agncies since XX/XX/2020. They notified me via phone that date of birth would be correct within 48 hours but has been more than 2 weeks and nothing been updated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: CMG MORTGAGE, INC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Had I known that I would be out ~ {$3000.00} in closing costs, I would not have moved forward with the refinance. Since I was not informed of this extreme discrepancy until 2 days before closing, I didn't see any option but to move forward. 
-- Timeline of communication : He initially said that he expected me to need {$0.00} at closing : XX/XX/XXXX - " My expectation would be that we can XXXX out the amount needed from you at closing so you would not even have to bring {$4.00}. '' He then mentioned nothing else about closing costs until 4 days before when he once again reiterated that he anticipated my net out of pocket to be close to {$0.00} : XX/XX/XXXX - " ... roughly about {$1800.00} coming back your way within the weeks after closing to reimburse the amount that you may need to bring to closing. '' Then two days before closing he casually mentioned that the amount is close to $ XXXX, roughly $ XXXX more than was communicated to me throughout the process : XX/XX/XXXX - " The number needed at closing is {$4800.00} ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
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:
XXXX XXXXXXXX Inquiry from XX/XX/2020 This inquiry was agreed to be cancelled. I had spoken to them on XX/XX/2020. They agreed due to there customer service team giving misleading information and having me wait on hold for for more than 10 hours after providing everything they asked me for. We both mutually agreed to cancel the request and I specifically asked them to than remove the late fee which they agreed due to the inconvenience. Which they agreed. So I just want my credit report corrected through XXXX, equifax, XXXX and all other credit scoring agency 's. The basic gist was they can not process my application and don't believe I am me which Is we agreed to everything above.

Company response to consumer: Closed with explanation