BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-12
Company: Experian Information Solutions Inc.
State: NJ
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:
Experian credit bureau XXXX XXXX account ending in # XXXX Late payments being reported

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 2020-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The FCRA states that all information reported on a credit report must be 100 % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ) account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report. These all are the inaccurate information that they are reporting to my credit report. Account is listed as collection. It's showing a balance of {$3700.00}, per the FCRA this is a violation, balance should be {$0.00} Date Opened : INACCURATE Balance : Should be {$0.00} Last Reported : INACCURATE. 
Date Last Active : INACCURATE

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 2017-08-02
Company: Second Round Limited Partnership, Austin, TX Branch
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing in response to a collection company ( Second Round LLC ) that is reporting an alleged debt ( # XXXX ) on my credit report that they have not, to date, been able to provide me with supporting legal documentation stating that ( 1 ) the debt belongs to me ( 2 ) the fact that they have the legal authority to collect anything from me. I have sent this company debt validation request multiple times, disputed this alleged account with XXXX, XXXX and XXXX when I first received correspondence from them in 2016. In return, ( Secound Round LLC ) sends me an acknowledgement of my request for validation and ask for me to supply " their company '' with documentation of my personal information in order to validate this account. I 'm baffled because I do n't understand, how they are validating the information with the credit Bureaus but do n't have the information?! This derogatory information remains on my credit report to date without being validated. How does this happen? How is that even possible? I initially disputed the information with Second Round LLC back in 2016 requesting debt validation to include the alleged balance and calculation from the opening to the closing of this account, it being sold or transferred, proof that the account is correct and information that the statute of limitations are valid with the alleged account and have not expired, signed documents showing that I agreed to pay this debt and agreement that grants them the authority to collect this debt. To date, I have not received any legal obligation from them that I am responsible for this debt. The company in question Second Round LLC, has been unable to provide me with any form of legal validation. This is inaccurate information and therefore ; according to the law should be deleted from my report because it has not been validated by the company actually providing the information. I would like to note that since submitting a complaint about this company ( for the 2nd time ) to CFPB and the BBB, this inaccurate and erroneous information appears to have been deleted from my XXXX file but not my XXXX credit file. I am asking for a complete removal of this account from the remainder of my credit report immediately. Per the FCRA, the credit bureau is required to report timely and accurate data and any inaccurate information that can not be validated should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX - XXXX - we have been struggling financially had auto payment set up with Citi card for {$300.00} They took {$960.00} from my bank with no authorization on XX/XX/2018 XX/XX/2018 I contacted them via chat and on XX/XX/XXXX I called XXXX. - the rep told me then that it was taken care of and would refund {$610.00} and I would pay {$350.00}. They said that would take 3 days. After 5 days {$90.00} was refunded on XX/XX/XXXX. I called again on XX/XX/XXXX, spoke to customer service and they assured me that the additional {$520.00} was being process to refund, nothing on Monday XXXX. I called and spoke to XXXX ( XXXX ) in customer service who assured me that the {$520.00} was in process and would be deposited into my account by end of the day XXXX. 
On XXXX I call again and customer service tells me that Citi cards will do nothing because I was behind - I need to make mortgage and did not authorize {$960.00} payment - I was making payments on what I could and have steps in motion to pay off in XXXX, but they will not work with me in any way. They tell me tough luck today We don't know what we will do about mortgage payment now, we are in very stressed position because of this.

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 2019-05-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery is attempting to collect a debt I do not owe on account # XXXX. I never received anything for this debt and it is very old and past the statute. I should not have this debt, I do not owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid XXXX XXXX in 2016. This company is no longer in existence, and I do not owe this debt SOUTHWEST recovery services plave on my credit file. I am getting calls and debt is place on my credit report for a debt I do not owe. I have asked them to contact the company ( XXXX XXXX ) to verify this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells fargo has to be the most INSECURE bank in the industry. This is my 2n complaint about FRAUDULENT XXXX transfers being my from my account. Wells fargo has failed to reimburse my initial claim on XX/XX/XXXX for XXXX now someone has hacked into my account and sent over XXXX total via XXXX. I have transferred over {$100000.00} out of my wells fargo account and I am in the process of transferring the rest of my money out about {$20000.00}. I am looking for Wells fargo to refund ALL of my money back to my account. I am going to the POLICE department and the FTC and the CFPB this is RIDICULOUS! 

Claim number : XXXX. Please stand by for CFPB case number.

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 2021-06-28
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I reported a fraudulent charge to Wells Fargo on the XXXX of XXXX against a transaction someone tried to make using my debit card to purchase a XXXX phone. I was told by W/F on Thursday that my account would be credited in two days. Someone attempted to make another attempt on XX/XX/XXXX with my card number that was closed on the XXXX to purchase the same XXXX phone. I have had a zero checking account balance since Thursday and money was also removed from my savings account. Wells Fargo said they would refund all monies owed in 10 business days. I want to open a fraud investigation into Wells Fargo. Is this the place to start? I dont have money for gas to get to work or money to buy lunch. Claim numbers 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 2021-06-28
Company: Square Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I received an unsolicited Cash App card in the mail and was able to find that it was linked to an account in my name. I have never opened or attempted to open a Cash App account so I immediately contacted Cash App support and they opened an investigation. I have asked Cash App what information they require to allow people to open an account because my credit file is frozen and the information on the account was very outdated but they said they would not tell me unless I submitted photos of my drivers license or passport along with a selfie of me holding those items. I refuse to give out more personal information so they will not provide me with any other information about the account. They state it has been closed as of XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
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: Their investigation did not fix an error on your report

Complaint:
Capital One is reporting my Business Sparks card for {$10000.00} twice on my XXXX  report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-29
Company: National Credit Adjusters, LLC
State: TX
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 have a loan with XXXX ( Original Creditor : XXXX XXXX XXXX ), NCA ( Original Creditor : XXXX XXXX XXXX ), and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ), NCA ( Original Creditor : XXXX XXXX XXXX ), and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: The CBE Group, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I HAVE THE XXXX  CREDIT MONITORING MEMBERSHIP THAT I PAY FOR MONTHLY AND I NOTICED ON MY XXXX  REPORT (CBE GROUP  XXXX XXXX XXXX XXXX IA XXXX  PH#XXXX)(XXXX XXXX ON MY CREDIT FILE. STATING THAT THIS ACCOUNT WAS OPENED ON XX/XX/2018, WHICH IS TOTALLY NOT MY ACCOUNT AND I HAVE NO IDEA WHO DID THIS. SO I IMMEDIATLEY CALLED CBE GROUP @XXXX SPOKE W/ REP THAT WOULD NOT HELP ME. I SIMPLY ASKED FOR THE DEPARTMENT THAT HANDLES WHEN INCORRECT INFORMATION SHOWS UP THAT IS NOT MINE DID SHE HAVE A CREDIT VERIFICATION DEPARTMENT OR A FRAUD DEPARTMENT EMAIL/AND OR FAX # SO THAT I CAN SUBMIT A COPY OF MY EXPERIAN CREDIT REPORT ALONG W/MY DRIVERS LICENSE AND SSCARD TO PROVE THAT THIS IS NOT MY ACCOUNT AND I HAVE NEVER GONE BY ANY OTHER NAME OR LIVED AT ANY OTHER ADDRESS OTHER THAN THE ADDRESS LISTED ON MY DL. THE REP TOLD ME THAT THEY DO NOT HAVE A DEPARTMENT LIKE THAT! THEN THE REP ASKED FOR MY SSN AND TRIED TO USE TRICK TACTICS FOR ME TO AGREE THAT THE ACCOUNT IS MINE. I TOLD HER THAT THIS IS NOT MY ACCOUNT AND I HAVE NEVER HAD THESE SERVICES. THE REP KEPT ASKING ME AND I KEPT SAYING NO! PLEASE PROVIDE ME WITH THE FAX# AND OR EMAIL JUST SO I CAN SIMPLY SUBMIT A LETTER AND PROVIDE THE DOCUMENTATION PROOF THAT THIS ACCOUNT DOES NOT BELONG TO ME! THE CUSTOMER SERVICE REP PLACED MY CALL ON HOLD NUMEROUS TIMES AND TOLD ME THAT THEY DO NOT HAVE A FAX#, AN EMAIL ADDRESS, OR A MAILING ADDRESS THAT SHE COULD PROVIDE TO ME. AND SHE SAID THIS IN A VERY NASTY WAY BECAUSE I WOULDNT SAY THE ACCOUNT WAS MINE, IT IS NOT!. I IMMEDIATLEY SEARCHED THE WEB AND FOUND COUNTLESS CUSTOMER REVIEWS ABOUT CBE GROUP & XXXX XXXX/XXXX XXXX  STATING HOW THEY USE TRICKY WAYS TO PLACE THINGS ON YOUR CREDIT FILE AND WILL NOT OFFER YOU ANY HELP TO REMOVE INCORRECT ITEMS. I ALSO SAW A REPORT ON A CLASS ACTION LAW SUIT AGAINST THE CBE GROUP AND TERRIBLE REVIEWS FROM THE "XXXX" LISTED. BUT I THEN CAME ACROSS THE NAME OF XXXX XXXX   (CHEIF ADMINISTRATIVE AND INFORMATION OFFICER aka:cheif client officer) I CALLED HIM TODAY @XXXX AND HE DID NOT HELP ME BUT ROUTED ME RIGHT BACK INTO THE DIRECTION OF THE XXXX NUMBER EVEN AFTER I EXPLAINED ALL THAT I HAVE JUST BEEN THROUGH WITH THE TERRIBLE/RUDE CUSTOMER SERVICE HE TOLD ME THAT HE WOULD NOT HELP ME!. HE TOLD ME THAT HIS COMPANY DOES NOT HAVE EMAIL AND HE WOULD NOT HELP ME WITH THIS, I VERIFIED HIS EMAIL FROM THE "XXXX" IS (XXXX).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Comments on my credit not accurate bankruptcy filed XX/XX/2019, which include all XXXX XXXX accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 sent letters out certified over 60 days ago and have not been notified. as a consumer i feel like these clowns taking advantage of normal people.

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 2020-05-12
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received notice from my Credit Bureau monitoring that a new Collections account was placed on my report on XX/XX/XXXX. Upon investigation I discovered a Helvey and Associates Collection for XXXX XXXX for {$240.00}. I contacted Helvey and Associates on Tuesday, XX/XX/XXXX and was advised that unless I provide a notarized FTC Identity Theft Report and Police Report they would not assist me in removing the debt. 1. My state is currently under stay at home orders due to COVID-19. So Helvey and Associates is requiring me to risk my health by going to both an office store to print the Id Theft Report, get the notary signature and obtain a police report. 2. Notaries cost money. So Helvey and Associates are requiring me to incur cost to resolve a matter of identity theft. 3. I am in the process of working with a mortgage broker to purchase a new home and Helvey & Associates is causing me harm by delaying the process with thier ridiculous request to jump through hoops to resolve a theft of my identity that is clearly represented as such within their own internal records. The analyst I spoke with at Helvey and Associates informed me that the address of the account was in XXXX, OH. I have never lived in Ohio and I have been a customer of XXXX XXXX XXXX for more than 10 years. A simple internal investigation will reveal this information to be true. I should not have to jump through hoops risking my health and incurring costs at my own expense to resolve a {$240.00} theft of my identity. I had more than {$3000.00} worth of fraudulent credit cards and XXXX XXXX accounts opened in my name in XX/XX/XXXX and i was able to resolve all of them without all this needless running around the Helvey and Associates is requiring.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATE : XX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$850.00} Closed XXXX  Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX CARD   SERVICES Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that  reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL 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 2020-08-25
Company: Santander Consumer USA Holdings Inc.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Sometime in late month of XX/XX/XXXX I requested an extension for two months of paying my monthly car loan with Chrysler Capital Finance and it was approved to skipping XXXX and XXXX payments and first payment starts on XX/XX/XXXX. I made payment for XXXX, but my payment applied for XXXX which they reported as late payment to the credit bureaus and add late payment charges on my loan amount. The following month which is XX/XX/XXXX, I made two payments which double my monthly payment and all of it was applied to and interest alone and no payment for XX/XX/XXXX if I can recall. There after, although I am making payment on time, I am being reported to credit bureaus as late payment and being charged extra interest added on my loan. This is not the only time I am having problems with this company. In the year XXXX and XXXX, I did also requested the same extension and was granted and did the the same thing. My original loan was at {$24000.00} and my schedule payment is {$660.00} per month and I am still owe a balance of {$21000.00} as pay off. Now my account is in charge off since XX/XX/XXXX and the car is the process of being repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Company: ENOVA INTERNATIONAL, INC.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
On XX/XX/XXXX, i applied for small line of credit and was approved for a {$700.00} line of credit, with {$150.00} interest, {$850.00} was paid back, i never had issue with the loan company, I've been nothing but a good loyal customer to this loan company, we're on XX/XX/XXXX and if i lasted that long with them it's because of my loyalty, but i realized that my loyalty and kindness were taken for weakness, on XX/XX/XXXX i requested {$100.00} increase on my credit line, {$800.00} comes with an {$200.00} interest, {$1000.00} was paid back, i was rarely withdrawing money from my account unless i have an emergency, and i remember that i was planning to close this account forever, in XXXX i did talk to an agent about closing the account, but i was told on the phone that i don't need to close the account since there is no fees associated on keeping it, they convinced me that i should keep my account opened since i have nothing to lose. The most mistake that some loan company makes is thinking about themselves first, how much they could benefit from you ( which i understand, that's how they make their living ), but sometimes they're doing too much, i mean really too much, they'll make up some interests and fees, only to keep you on hold, and make sure you won't be able to pay off so they can benefit more. i came to notice a huge amount of fees interest charged to my account, and i really did not know where is coming from, my credit line was automatically increased to {$900.00} which i never asked, why increase the line without consulting me first, this is an absolute fraud, a perfect robbery. the only answer i got on the phone is i was qualified for automatic increase since i'm a good customer, they did not realize that they turn a good customer to a bad one. because i called my bank and blocked them, on the app it says {$800.00} credit limit but as i investigated in my statement, i see {$900.00} credit limit, i knew that {$800.00} credit limit can not generate those fees and interest even thought i withdraw sometimes. I think they're the one who owe me for overcharging me for a credit line that i never ask, in top of that i've been harrasse by phone for payments which they should be responsible and owe me.

Company response to consumer: Closed with explanation