BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-04
Company: ENCORE CAPITAL GROUP INC.
State: MS
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:
Midland Credit Management keeps reporting 2 collection accounts to my credit report. I have sent them letters dating XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, asking them to provide a contract with MCM as validation with my signature. They ca n't provide that. They can only tell me that the screen shows I owe them the money. They continue to report this to my credit report with all 3 bureaus which costs me more money in interest with the companies that I do have contracts with and I have been denied credit because of this issue. I want this false information to be taken off of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-06
Company: General Motors Financial Company, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I leased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX New Mexico on XX/XX/XXXX ( Account Number XXXX ). For Business reason, I moved the car back to Illinois and had a very difficult time getting the paperwork required to license the vehicle in Illinois. In fact this took 5 months from XXXX to XX/XX/XXXX and a finally involving supervisor from XXXX XXXX to complete the task. 

I pre-paid my lease and because of time delay from lease paperwork transfer to Illinois, turned in my lease with XXXX out or a lease term of XXXX miles on XX/XX/XXXX. 

After turning in the vehicle, I received a bill from XXXX XXXX for {$390.00} because I did not purchase or lease another GM product at the end of the lease. After a lengthy discussion this was reduced to {$100.00} but XXXX XXXX did not immediately send the updated invoice. 

I noticed on my credit score that changed for the negative and that XXXX XXXX now had put that I had an open unpaid balance of {$420.00} since XX/XX/XXXX. 

I immediately paid the {$420.00} balance so that my credit score would not suffer and contacted XXXX XXXX about this and to get my {$320.00} refund. 

XXXX XXXX still has XXXX balance at {$420.00} on XXXX. 

Even though XXXX XXXX said they would send my refund - they still have not done so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-06
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a debt notice from you. This is not my debt. I have been the victim of identity theft. Since it is not my debt I have no idea of what name you have, either my married name, XXXX XXXX, which I haven't used since XX/XX/2005, or my maiden name, XXXX XXXX. I attached all my ID docs and police reports and proof of my identity. and an identity theft affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, AARGON Collection Agency is attempting to collect a medical debt that I am not familiar with or responsible for. Another company has notified me they have a similar collection notice that is not valid. Can I have proof of the debt provided and harassment ended? 

Thank you.

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 2018-02-22
Company: WELLS FARGO & COMPANY
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have requested verification of this debt from Wells Fargo Dealer SVC on three different occasions by mail, however the business failed to provide adequate proof of this debt being mine. Considering this business does not have a contract with me for goods or services they provided nor have they provided adequate proof I am not obligated to pay for the alleged 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 2018-11-06
Company: Experian Information Solutions Inc.
State: UT
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:
Disputed XXXX XXXX STATUS W EXPERIAN TWICE IN THE LAST 60 DAYS I HAVE SENT SIGN STATEMENTS FROM XXXX STATING MY ACCOUNT STATUS WAS CURRENT STILL NO UPDATE N CHANGE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-19
Company: CL Holdings LLC
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive never went to c why my credit is never approved and finally discovered so many loans -online loans and such even retail purchases ive never even head of. 
Ive had my bank accounts broken in to even from out of state but never knew that there were collections.. Iv3 never recieved any of these loans shown. My adresses have only changed once 1 and ive only had 3 main adr3sses my address in XXXX change to my current physical n XXXX, nm but the permanents are XXXX, az and XXXX, nm postal im currently adsing the postal in XXXX  but havent done so ... Idk who but this is unfair to me and my wife as we thought we could purchase a vehicle i have one that was repoed n the past but since have not trued id like some kind of closure with these listed XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , KS XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$880.00} Date Updated : XX/XX/XXXX Original Amount : {$880.00} Original Creditor : XXXX   XXXX XXXX NM ( Financial ) Past Due : > $ XXXX before the due date. 
XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : LEASE Balance : {$0.00} Date Updated : XX/XX/XXXX Payment Received : {$0.00} Last Payment Made : XX/XX/XXXX High Balance : {$1500.00} Pay Status : Current ; Paid or Paying as Agreed Terms : {$110.00} per month, paid Weekly for 28 months Date Closed : XX/XX/XXXX Remarks : CLOSED XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : LEASE Balance : {$0.00} Date Updated : XX/XX/XXXX Payment Received : {$0.00} Last Payment Made : XX/XX/XXXX High Balance : {$960.00} Pay Status : Current ; Paid or Paying as Agreed Terms : {$80.00} per month, paid Monthly for 12 months Date Closed : XX/XX/XXXX Remarks : CLOSED XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number not available Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : SECURED Balance : {$0.00} Date Updated : XX/XX/XXXX Payment Received : {$0.00} Last Payment Made : XX/XX/XXXX High Balance : {$750.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-06
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XX/XX/2012 I was a victim of fraud. I had my identity stolen and it was used to open school accounts to get loans. my IRS refund was stolen for years I have been dealing with my identity being used against me. please help me, Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/2012 I was a victim of fraud. I had my identity stolen and it was used to open school accounts to get loans. my IRS refund was stolen for years I have been dealing with my identity being used against me. please help me, Sincerely, 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 2018-09-06
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
PNC bank has failed to act upon my requests to close my account. 

They failed to ever provide me access to my account, and have then failed to act to close my account. 

I went into a bank branch in XXXX XXXX XXXX, fl over 10 days ago, provided my ID and requested my account be closed, and no action was taken. 

I called and requested the account be closed again, and after 4o minutes were unable to close the account because I couldn't give the precise details of a motorcycle that I owned for 3 months, 8 years ago. 

This is my final request before taking further action. 

Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: EQUIFAX, INC.
State: CT
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 disputed a collections account from XXXX XXXX with XXXX on XX/XX/ 2017 because I have never received any correspondence from this company, the account just appeared on my credit report. The dispute still shows open as of today. 3 weeks ago the account was deleted from my credit report only to be added again 1 week later. I have still not received anything in writing from this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called XXXX XXXX XXXX XXXX on XX/XX/18 to make a negotiation so that they can settle my account due to I lost my job, and so that they can close my account after agreeing to the settlement amount. In a recorded line, a certain XXXX XXXX offered me to pay {$1200.00} up front to settle the account instead of paying the whole amount of {$2400.00}. I accepted the offer but before I gave my payment I have ask them to send me the settlement letter of {$1200.00} and that I do not owe any money to them after the settlement. He agreed to send me the settlement letter after 2 weeks or so. He eventually transferred me to another person who took my payment and gave me conf # XXXX. But after 2 weeks I received a letter from XXXX XXXX XXXX stating that I still owe a balance of {$1200.00}. XXXX XXXX XXXX deceived me big time. On XX/XX/18 i tried contacting this company again to ask for the settlement letter but can't reach anyone to help me. Phone # 's are listed below : 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 2018-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Check was deposited on XX/XX/18 through mobile check. I get a notice saying that my check was on hold. I went in person at the neares bank of america on XX/XX/18 and the bank teller told me theres nothing she can do to fix the hold on the check and to call customer service because they would be a better help. I called Bank of Americas customer service and was told that the check would be on hold for 10 days and wouldnt be available 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 2018-09-06
Company: UNITED AUTO ACCEPTANCE
State: GA
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:
1. The car was a lemon I put {$5000.00} down when I first bought the car, and it was returned within 6 months voluntary due to all the issues wrong with it.

2. It was later sold to auction but still showing as if I am missing payments and not actual amount after being sold.

3. I have contact the company and disputed the item on my report numerous times to be reported correctly and company refuses.

4. company has car but is reporting as if I still have the car

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: JPMORGAN CHASE & CO.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I funded a loan in XXXX for a property. In that process i took a higher interest rate in lieu of paying the PMI. The servicing was sold in XXXX of this year to Chase ( original lender was XXXX XXXX ). 

in the transition ; the lender paid PMI was lost. Chase is now drawing on MY escrow account to pay the PMI that the lender should be paying. 

It appears that XXXX, though making the payments for me, was not using the typical structure for this methodology. They were taking payment from my main escrow account but off-setting that debit with a monthly credit in the same amount. That credit is no longer being applied. 

In talking to chase ; they are saying that it doesn't exist and i have to pay the PMI. I took a .25 % rate increase to avoid that. I have my escrow disclosures from XXXX and XXXX that match up in amounts to the statements. those statement amounts do NOT include the PMI ; just the monies for the taxes and insurance. I would like assistance in getting this resolved wherever the error lies. 

Looking at the docs ; you can see the amounts in the escrow disclosure match the amounts of the escrow in the statement. those amounts do NOT include the PMI because i never paid it. there is also a ledger of the account you can see where the credit was applied. that credit to offset was NOT paid by me. not sure how it was done in the prior lender but it was NOT paid by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: CITIBANK, N.A.
State: VA
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 have two Citibank credit cards. I recently moved to a new address. I tried to update my residential and mailing address on my Citi credit card account through their website, but their website sets a limit to the number of characters you can enter for each line of the address, which is shorter than my address ( my address is USPS approved ). It doesn't allow me to enter my full address. Although their website pops out the USPS suggested address, it just never takes it. Then I called their customer service number twice and asked the representatives to update the address for me. They said they couldn't do it. One of the representatives even asked her manager to help fix issue, but they both failed. Then they promised me to escalate the issue for me and said it should be fixed within 5 business days or so. Now 7 business days has passed and my address still hasn't been updated. Now I'm really worried that I won't receive mails and statements from Citibank and may miss payments, as my address on their book can not be updated to my current one.

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 2018-11-06
Company: GVA Holdings, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX, out of desperation, I foolishly turned to a predatory payday loan lender. I borrowed {$500.00} and did not fully understand the ramifications. I made my first payment on XX/XX/XXXX in the amount of {$130.00}. Despite having paid {$130.00}, my online account shows I still owe {$560.00} on a {$500.00} loan. This is outrageous! If I pay another {$560.00}, I will end up paying {$700.00} on a {$500.00} loan. That is {$200.00} in interest. 40 % interest!!!!! This is predatory and greedy. There is no where on the website to view any loan documents which is deceitful and misleading. This must be illegal!!!!! 
Since I have paid {$130.00} on a {$500.00} loan, my balance due without interest is {$360.00}. In South Carolina, payday loans can only charge {$15.00} per {$75.00} borrowed. Since that is my state of residence, I should only have to pay {$75.00} in fees. I should have a balance remaining of {$430.00} NOT {$560.00}. 
Since XXXX XXXX XXXX has not been transparent in its information and is a greedy, predatory payday loan lender, I now want to reach a settlement to pay off the {$430.00}. I will pay the following : {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$39.00} on XX/XX/XXXX I will make my  payments via check mailed to XXXX XXXX XXXX. I have revoked XXXX 's authority to automatically take money from my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: U.S. BANCORP
State: IN
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:
U.S. BANK XXXX XXXX SENT ME AN LETTER OF ERROR REGARDING THE CORRECTION OF ACCOUNT. WHILE LOOKING AT CREDIT REPORTS FAILED TO COREECT LATE PAYMNETS ON ALL CREDIT BUREAUS EXCEPT XXXX PLEASE CORRECT ALL LATE PAYMENTS FOR THE ACCOUNT IS PAID IN FULL NEVER LATE CLOSED AND SEND ME A LETTER TO HAVE THIS ACCOUNT REPORT TO 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 2018-11-06
Company: EQUIFAX, INC.
State: VA
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 disputed an item on my Equifax credit report several times. It is a fraud account for XXXX XXXX XXXX for an address i never lived at. I have faxed to Equifax the FTC report along with my Id 3 times in the last month and they always advise the pages are blank. XXXX XXXX account has been removed from XXXX  and XXXX but Equifax still has it listed. I have called Equifax and XXXX XXXX XXXX  several times in the last 4 months and nothing has got done about deleting the file from my report. The account was opened XX/XX/2018 and has a balance of {$350.00} due. My address is XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX where i have lived for over 20 years, the address that is on file for the XXXX  XXXX is XXXX XXXX XXXX XXXX Va XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-04
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
XXXX XXXX ONCE AGAIN FAILED TO CORRECT ALL LATE PAYMENTS ON ALL CREDIT REPORTS. ALSO, WHEN I APPLIED FOR ACCOUNT CREDITOR PULLED A XXXX SCORE WITH ALL 4 AGENCIES. AND NOW IS FAILING TO REPORT TO 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 2021-08-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX XXXX a financial advisor at Citizens bank accessed a college fund wherein I am the owner and gave a copy of the Year End Report to someone other than me and without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: EQUIFAX, INC.
State: PA
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:
XX/XX/XXXX XXXX I spoke to XXXX on the phone regarding products available. While I was on phone they illegally ran my credit without asking permission or even asking for my personal information. Now there is a hard inquiry on my account. The company agreed they did it illegally however it would take them 120 days to have it removed by Equifax. I contacted equifax and they refused to remove or even help me have it removed. Equifax told me XXXX was the only one that could remove it. I am trying to buy a house and get a mortgage in the next 40 days and I want this removed IMMEDIATELY!!!!

Company response to consumer: Closed with explanation