BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-05
Company: EQUIFAX, INC.
State: PA
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 Account # last 4 : XXXX XXXX XXXX XXXX account # XXXX Amount XXXX I contacted XXXX  and XXXX 12times. I sent in police reports, I reported this fraud. I even requested the debt verification and they only sent me three bills that are address to a address that isnt mines. They didnt send the sign contract, they never sent in the copy of identification. Nothing and they are reporting it in my report while the original company is doing so as well. When I call XX/XX/XXXX at XXXX XXXX  the rep did not wan na help me when I asked why werent the requested debt documents sent to me see just estates if you have a lawyer we can speak with them. They are illegally reporting someone else debt in my report and will not help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Institution : Citibank , N.A . 
Issue : Failure to Honor Extended Warranty Advertised Details : Initiated claim for protections under the Costco Anywhere Visa by Citi. Warranty coverage advertised at two ( 2 ) years from Costco plus an additional two ( 2 ) years from Citi for a total of four ( 4 ) years of warranty coverage. Citi requested five ( 5 ) documents to process the claim : ( 1 ) Itemized Store Receipt ( 2 ) Copy of Manufacturers Warranty ( 3 ) Repair Estimate ( 4 ) Photos of Item ( 5 ) Copy of Extended Service Plan All documents were provided. After several weeks, Citi requested an additional repair estimate, which was also provided. Several weeks later, well over a month from the initial claim, Citi further requested : ( 1 ) Please provide the billing statement showing the purchase of the item As this is a claim for an item purchases 3 years ago, Citi does keep those records readily available and must be requested separately. Thus, I would need to request the statements from Citi to provide back to Citi to process the warranty coverage, all for an item which is covered by the advertised warranty. It is also important to note that this most recent requested item was not requested from Citi initially over a month ago and should not be the consumer 's burden to provide as this is all data that is owned and accessible by Citi. The obstacles Citi has put in place are excessively burdensome to successfully process an extended warranty claim and does not align with their advertised extended warranty coverage.

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 2019-10-01
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I had a loan through Cardinal Financial and had sent a letter saying I wanted to recast the loan. They sent me a letter on XXXX XXXX with instructions on what to do ie. send the {$300000.00} and a {$300.00} dolllar non-refundable fee. I followed the instructions in the letter and was told that I would recieve the contract via XXXX and to sign it and send it back.I never recieved the package and on about the XXXX of XXXX I recieved a letter stateing that XXXX XXXX would be servicing my loan. After waiting some time I called XXXX XXXX and was told they did not do recasts and I would have to wait 6 months to refinance. I had a financial advisor that helped me with the original loan and she has made several attempts to settle the matter but Cardinal has stopped responding to her e-mails and calls. I feel this was dishonest since they took my {$300000.00} and did not recast the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have XXXX collection accounts from XXXX XXXX for payday loans, I have never had a payday loan and they refuse to correct it. I have asked for them to fix this and remove the incorrect information, but all they say it was verified. This is not possible since I never got a online payday loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had disputed this alleged debt with the credit bureaus and the account was removed based off of the investigation. A couple weeks ago i got a call from this collector and the lady on the phone who was very rude stated that the account was back on my credit and that i should check my credit. Well i just checked it they have illegally put this account Back onto my credit. This is a violation of 15 USC 1681 i. I never got any letters stating that this account would be reinserted in my credit report. The collector has also been harassing 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 2017-11-20
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Opened account XX/XX/17 and followed the requirements for bonus. Code was automatically applied on online application and was n't able to get code readout. Waited about 120 days before contacting. 
Messaged general inquiry. They mentioned that I used a code that made it uneligible and I was out of state. However, the final print was changed after I applied as it did not have the state requirement. They said I could no longer escalate the matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-01
Company: CIG FINANCIAL LLC
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: Their investigation did not fix an error on your report

Complaint:
i had an a account with cig finnacial i turn the car in voluntar on XX/XX/2019 i have a letter from them saying after car was sold i only own XXXX it show in my report i own XXXX it show im XXXX late payment when car was turn in it was only late that month XXXX and it show XXXX repos which is not true

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: Diversified Consultants, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am being contacted outside of normal hours. I am currently in XXXX. I have told them to stop calling. They call from several different numbers all over the USA and hang up. There is no intent to collect the debt, only to harass me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is a continue of your case # XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXX Once again they pulled my credit file for all three Credit Bureaus on XXXX- they mail me a letter post marked XX/XX/XXXX mailed for there XXXX XXXX XXXX XXXX XXXX XXXX   XXXX office : and tried calling 4 more times : this letter had 8 pages all computer generated with there letterhead and cut and pasted CapitalOne invoices : I am disputing this account and letter and the content Full prejudice : there cover letter states that theses copies of doc of this account " witch establish its validity '' it dose not prove I am the person that open this account-it also has public information that was pulled from the credit Bureau which they have had Prior and after the bankruptcy that there client was listed CapitalOne : 1. the prim and only invoice with any Activity of use of the alleged CC. dose not have a print date only a due date of XX/XX/XXXX it has 12 charges let it be noted # 12 is a insurance protection charge of {$12.00} This company does not have any record of signed contact with me : possible insurance fraud by the co. # there was a payment of XXXX made I have had the same bank for 10 years no payment exist for XXXX to CapitalOne let it be know I have only open three credit Cards from the time of my Bankruptcy one was open XX/XX/XXXX and the other two XXXX and XXXX none were CapitalOne : XXXX XXXX XXXX has continued to ruin my credit as of this month my FICA went from XXXX back down to XXXX in two days it took over a year to get it back up from XXXX to XXXX they play this game to destroy people 's lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/19, I saw a posting on XXXX for tickets. I've purchased tickets through XXXX a million times so I was not too concerned. I sent money through my Chase app for {$90.00} and received only silence. 

I had no idea that my bank would not cover something they endorsed and provided through their sanctioned online application. 

I did not receive my tickets and the bank refused to refute the transaction or give me my money back. I made two calls to Chase explaining the situation. They said there are no consumer protections. I called XXXX. XXXX could see the account but also that there was no way to stop the transaction. 

The companies involved are XXXX and Chase, through the Chase app.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Nelson Cruz & Associates LLC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On Saturday Morning XX/XX/2021, I returned a call from a local number. The entity that answered was Nelson Cruz and Assoc.. Obviously, they are using a call spoofing software program. They alleged I owed an old credit card debt of which I have no memory and even if this were true the statue of limitations has long since expired. I explained that even if the debt is valid I have no income other than Social Security XXXX. The representative then stated they " participate in a Federal program that will allow me to pay {$50.00} per month and then I can have the situation reevaluated in 6 months. '' Prior to my XXXX I was a banker for 20 years and know what is and is not allowed per The Fair Debt Collection Practices Act. I'm pretty confident the statement about a false Federal Government payment program falls in that category unless the Federal Gov't has indeed gotten into the credit card collection business which I highly doubt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XXXXX-2017 Bank of America charged me an interest fee of {$11.00} after i had already initiated a balance transfer but was delayed since bank of America refused to provide me information XXXX XXXX bank needed. I called Bank of America and the respresntatives said he could not provide me the informatiom but suggested i go online. I did go ahead and process the balance transfer but took longer than expected due to Bank of America 's lack of assistance to work with a nearly 3 year customer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-01
Company: EQUIFAX, INC.
State: MO
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:
It has come apparent to me that the three ( 3 ) major credit reporting agencies are not following the rules and laws of the FCRA. I reported to the 3 credit reporting agencies of the lost / stolen personal information regarding my identity. And since my identity has been compromised it has profoundly effected my credit file. I summoned the credit reporting agencies to send me a certified physical documentation via their Method of Verification in regards to these fraudulent and unknown accounts reported within my credit files. I'm demanding that these unauthorized accounts be blocked and removed from my credit file immediately. 

1 ) XXXX XXXX {$710.00} 2 ) XXXX XXXX XXXX {$470.00} 3 ) XXXX XXXX XXXX  4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX  XXXX 6 ) XXXX XXXX  7 ) XXXX XXXX XXXX XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX   10 ) XXXX XXXX XXXX 11 ) XXXX XXXX {$31000.00} 12 ) XXXX XXXX {$6600.00} 13 ) XXXX XXXX {$6000.00} 14 ) XXXX XXXX {$3500.00} 15 ) XXXX XXXX {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I attempted to request a freeze on my credit report via the Equifax on-line process on XXXX XXXX, 2015, but the on-line process was inoperative and advised that the request could not be processed. As part of that initial process, I provided all requested personal information, including my current address, SS number, etc. On XXXX XXXX, I again tried to use the on-line process to place a freeze on my credit information and learned that Equifax had in fact placed a security freeze on my Equifax credit file. This had been done without Equifax notifying me of such freeze or providing me the PIN number I will need to release or terminate such freeze in the future. I was advised by the call-in center ( XXXX ) that the PIN was mailed to a prior residential address where I resided three years ago, even though I gave them my current address when I initially used their on-line process. I was told by her that the old address was obtained from credit reports. I feel that my PIN has thus been compromised. Attempts to resolve this with Equifax have been unsuccessful in part because the call-center phone representative apparently does not sufficiently understand English, which is our only spoken language. I was asked repeatedly for the same information, i.e.., spelling of my name, address, social security number, etc. The process took over 30 minutes, including being put on hold several times. 
This entire interaction left me with some discomfort in knowing that my personal information was given to someone who impressed me as being incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: Webcollex, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
CKS Prime Investment has placed a nonverifiable debt on my credit report. It is badly effecting my credit score. I have notified them of the inaccurate information and noncompliance. They will not stop collecting after I told them to Cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
in the Equifax credit company I see some debts that do not belong to me for {$2500.00} from XXXX XXXX and another {$1000.00} from XXXX  XXXX XXXX, the dispute and the information were passed to this company and they do not answer me and this is causing me credit problems and I contacted the companies named above and they inform me that the error is equifax since they do the macheo and does not match the data of the person of the debt with my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16
Company: BARCLAYS BANK DELAWARE
State: PA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts : XXXX  XXXX XXXX, BRSCLYSBANKDE, and 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 2019-05-08
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
My issue was not listed in your previous pages so I did the best I could. The issue I'm having is with my mortgage bank. 

On XX/XX/2019 the town of XXXX experienced a devastating flood. My hotel, The XXXX XXXX, took in over 10 of water. I lost 15 rooms, my office, laundry and storage rooms as well as my tool room. My insurance adjuster came out almost immediately. No one could even get into town until XX/XX/XXXX and they were here within two or three days after. XXXX XXXX from XXXX XXXX sent us an email on XX/XX/XXXX asking for a status report on our property. Our adjusters were very thorough and helpful with our claims, of which we have 7 total. Within a month, on XX/XX/2019, four of our claims Buildings 15, 16, 17, and 18 - were signed and recorded. We had been working on clean up and demolition during the month of XXXX and XXXX. The bank requested receipts for the work and materials, which we diligently sent. 

As of today, XX/XX/2019, XXXX XXXX is holding {$86000.00} of our insurance money that we desperately need to rebuild our hotel. We had a very short time frame because we wanted and needed to be open for Memorial Weekend but their refusal to release our funds, even after we sent them all the receipts they required, has delayed our reopening. We are at a desperate time. What they are doing is impacting not only us but the tourism and economy of XXXX. XXXX XXXX holds our mortgage. They wont release our money to us but expect our mortgage to be paid. We have no income and because they wont release our funds we cant get any of our rooms going. We could have easily gotten at least four of them up and going last week had they sent us our insurance money. We are at a loss and will go bankrupt if we dont get help. Please, I beg you to look into this gross negligence.

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 2019-05-22
Company: DISCOVER BANK
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:
a discover card balance on my report is not mine. There are 2 discovers card accounts on my report.Mine is the card ive had for over 20 years, not the card that was opened in 2014. Why would i have 2 discover card accounts?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Express Recovery Services, 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:
Express Recovery is reporting multiple accounts on my credit file that need to be removed. I paid off all accounts a while back ago however, they continue to report on my credit and affecting my ability to be able to finance. This is completely unfair as the debt was paid even though I never received a 30 day right to dispute notice for any of the accounts. That is a violation under the FCRA and the FDCPA. I am now asking that Express Recovery delete all accounts from my credit file. I am aware that Express Recovery has the ability to report this account to the bureaus as they deem necessary. If I do not receive a response in 30 days, I will have no alternative but to exercise whatever rights and remedies we have under the law to enforce the removal, including but not limited to institution of legal proceedings against them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: VW Credit
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 information incorrect

Complaint:
I purchased my XXXX XXXX XXXX in XX/XX/XXXX from XXXX XXXX. They got me to finance the vehicle through VW Credit. VW credit set up auto pay with me and told me that it would take 1 billing cycle to be finalized. After the first two billing cycles, the autopay did not finalized and it caused me to miss a payment.

I have been trying to work with VW Credit ever since and they have lied saying that they send me a letter with instructions to dispute in XXXX. I never received such letter. 
They will not give me access to my online portal saying that my account is too old. This missed payment was their fault. It is something I am trying to remove from my credit report. I've disputed with the company ( I asked them to actually send me a letter this time ) and I've discussed with the credit bureaus. 
I never missed any other payment because I do not miss payments. They missed the first autopayment and lied about when the auto pay would be finalized.

Company response to consumer: Closed with non-monetary relief