BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-20
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
The company called my wife and XXXX daughters Phone several time after I spoke with them and asked to verify the debt in writing this has been going on for 6 mo

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: First Data Corporation
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I own a small business that accepts credit cards for payments. The company used to process the cards is First data. They constantly withhold MY funds for DAYS and tell me that it is my bank blocking the deposit. Seriously????? They lie to me constantly and as of today, I do not have funds totaling {$4200.00}. I have asked for a wire and they refuse. The are owned by XXXX XXXX who has XXXX me before with the scam in XX/XX/2012 where they take your money and open other accounts without permission. 5 times in a two year period for me. Now they are withholding funds. I understand First Data does this to many people. They are scam artists holding onto my money for days. I NEED THIS MONEY FOR MY BUSINESS!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
On XX/XX/18 I called XXXX customer service number & asked if I had a payment due for XX/XX/XXXX since I never received a bill. I input my account number. 3 reps pulled my account info but refused to give me the information unless I gave them my social security number and date of birth. I was willing to provide my full name and full account number. The refused to provide me any information regarding my bill. My ssn number was not given to me so a XXXX rep could use to identify me. It was given to me for government benefits, nothing more. The manager XXXX agent # XXXX refused her last name yet wants my ssn.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2018-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Both XXXX and TransUnion are showing my consolidated student loans listed twice. The accounts before consolidation are still listed as open and the consolidated loan is accurately showing as open but the combination has doubled the amount of debt showed that I owe by over {$100000.00} I have contacted TransUnion several times to resolve this issue in which my student loans are showing up twice on my report. I called twice about this, never received follow up by mail, and tried to check the status of my dispute online. When I finally got into their website after receiving several " system is down '' error messages their dispute site shows no record of my dispute. It also says there is a button you can click on to submit a new dispute which is not present ( included in attachments below ). The site is inaccurate, not user-friendly, and does not even do what it says it is supposed to. I do not believe from their website or customer service options they have the slightest interest in accurately reporting my information. 

Additionally, I track my score using XXXX through my XXXX Credit card account and today my score dropped two points ( -2 ) because it shows my amount of debt increased, when in fact it decreased. The amount they even show themselves went from {$260000.00} to {$260000.00}, a decrease of {$150.00}. Given the extent of the error in the first paragraph, this may seem minor but I am trying very hard to rebuild my credit and can not fathom a situation in which someone pays off debt and their credit score goes down!!

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 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX  XXXX {$1100.00} XXXX XXXX {$220.00} XXXX  XXXX {$0.00} XXXX XXXX {$2000.00} XXXX XXXX XXXX {$95.00} XXXX XXXX  XXXX {$1900.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$530.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00}

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 2021-07-08
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: IQOR US INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX rented or leased me a storage unit that leaked water during rain. 

When discovered, I moved out of unit. 

XXXX XXXX notified me that I still owed {$140.00} for being in leaking unit ( 2 ) days of the following month. 

The debt was turned over to a collection agency named, AlliesInterstate, LLC. 

Upon contact with this agency, I was offered a {$70.00} payment to settle the {$140.00} claim and I accepted and paid by credit card. 

Upon renting another unit at XXXX XXXX, I was required to pay the remaining {$70.00} of the {$140.00}. 

AlliesInterstate lies to me and misled me as to the settlement terms.

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 2018-08-20
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please see complaint # XXXX " Notwithstanding, we have placed this account on hold and requested verification of the account from our creditor-client. It will be sent to Mr. XXXX if and when it is received. We trust this resolves your concerns. '' XXXX XXXX XXXX. 


I have waited nearly 55 of the 60 day feedback period. I have received none of this information. Again, I have received no phone calls or letters and would like to see proof of phone contact and any previously dated postmarked letters. 

The burden of proof lies on XXXX XXXX and no documentation has been produced. I have patiently waited another 55 days for the promised follow up and have received nothing. Not too mention the several months of damaging improperly filed collections. 

My previous complaint went nowhere. I wish to resolve this and discontinue filing complaints. However, I will not cease until this matter is resolved. An ideal outcome would be the erasure of this illegal reinsertion of a previously defunkt collection claim.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX, a virus protection system, emailed me they were automatically renewing the service I had signed up for. The amount is small, only {$89.00}, but I did not agree to the charge and wrote to XXXX telling them not to renew the system. 

The XXXX system was using a credit card that was not in service, that had either been cancelled or replaced. 

The credit card company initially removed the charge while investigating, but without notifying me of their decision, decided to honor the charge and added back the {$89.00} charge to my Discover bill. 

I had previously notified Discover that it was impossible to reach XXXX either by email or by phone, and I had documentation saying I did not want this service removed, but Discover seemingly did not care either about my efforts nor did they verify the accuracy of my position.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-20
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A representative from Hunter Warfield call me attempting to collect a debt. The debtor shared a name with me, however it was for an apartment complex in which I have never lived in. When Inasked how they got my phone number as I was fearful it may have been identity fraud that I needed to deal with they would not tell me and became rude. I assume they XXXX  my name and found my number associated with it. I was seeking confirmation that the company that they claimed I owed the debt to had or had not provided the phone number. 

I am very protective of my credit information and wanted to make sure it was not identity theft, otherwise I would need to deal with that immediately. Hunter Warfield refused to provide me with confirmation after they called me multiple times telling me I owed a debt that I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: Rocket Mortgage, LLC
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In XX/XX/2017, I contacted Quicken Loans to understand if I could do a cash-out refinance on my primary residence, which at that time I had owned for eight months. I wanted to get a quote from them, given that I had already gotten a quote from a local lender in the state of Washington. 

I initially talked to XXXX XXXX on the phone, Senior Mortgage Banker, and told them that I had already done my research about cash out refi Jumbo Loans. Specifically, I told him that other lenders that I had previously contacted wouldn't offer me that product since I had to have ownership of the property for at least one year. Apparently, this was not a black and white rule, and different lenders had different policies. 

XXXX XXXX XXXX told me that I was perfectly eligible for a Jumbo Loan cash out refinance, and the fact that I had lived in the property for eight months was not a problem. Once he said that, I decided to proceed and move forward. Long story short, this ended up being a nightmare and a waste of time. About three weeks after I applied, another employee from Quicken Loans told me that I wasn't eligible for the cash out Jumbo loan refinance. 

I ended up getting my refund for the application fee and the appraisal. However, I still have at least three hard inquiries on my credit report ( see list below ) that I would like to be removed since this company 's practices were deceptive at best. 

XXXX XXXX : XX/XX/2017 XXXX XXXX : XX/XX/2017 XXXX XXXX XXXX : XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: BB&T CORPORATION
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: Account information incorrect

Complaint:
My XXXX XXXX XXXX was stolen and the insurance company paid the claim. After the insurance paid the claim I was still left with a balance. In XXXX I made a settlement and upon payment this debt was to be removed from my credit report. This is causing me not to be able to get a vehicle.

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 2020-06-04
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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:
My name is XXXX XXXX. These are the companies on my credit report that are not reporting the correct information on my credit report. Capital one, XXXX XXXX, XXXX, XXXX XXXX XXXX. They seem to add interest to my balance and late fees without hesitation, but non of these merchants does not report changes on account promptly to the 3 major credit bureau, Therefore making my information on my credit report look inconsistent. I have made payments to these merchants, but they are not reporting information promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this debt in XX/XX/2018 and was sent a paid in full letter by their 3rd party collection agency. I followed their protocol and waited the time period for the debt to be updated to all 3 credit bureaus as paid, however, it is still being reflect on credit as unpaid. I have sent numerous fax, made countless calls, and sent a certified letter to XXXX XXXX and Experian with the proof of the paid in full letter. I have disputed this debt several times with the credit bureaus and provided the paid in full letter as proof.

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 2018-08-20
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was surprised when I was looking over my credit report. I found a late payment for the following date : XX/XX/2018. 
I don't know how this has happened. I feel I have made my payments to you when I got my statements. My only thought is that my statement never actually got to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had two credit cards with Bank of America that were closed simultaneously on XX/XX/XXXX. Both cards have balances. One card had a {$12000.00} limit and was opened in XXXX and the other was open in XXXX with a {$5500.00} limit. Neither card has ever had a late payment. I have no late limits on my credit file for any of my accounts. My credit score has dropped significantly due to these closures. I was notified via mail that they opted to close my accounts because my total credit utilization is high. I have never been late on any accounts and do not feel my account closure is justified as my credit utilization has only incrementally changed over the course of me having my Bank of America credit cards. My score has now dropped close to 50 points as the card opened in XXXX was one of my oldest cards, changing my length of credit history as well as my credit utilization!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: CONTRACT CALLERS INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Company continues to report to credit bureau a debt that was previously included in a chapter XXXX  bankruptcy and discharged. Dispute was made with credit bureaus and the reporting continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: CURO Intermediate Holdings
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have any contractual obligations to this debt collector, once a debt is written / charged off, that debt becomes paid and contract is good. I have absolutely no obligation with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Berlin-Wheeler, Inc. (Kansas)
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ONCE AGAIN COLLECTOR WENT ON MY SISTERS CREDIT REPORTS AFTER CEAST AND DESISTS AND 9 DOCUMENTED CELL CALLS 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 2018-08-20
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:
I have been a victim of identity theft.

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 2018-08-20
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MN
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/2018 my bank account was debited by acecashexpress.com 3 times for a payday loan I wanted to pay off. The company charged me {$900.00} for a debt of XXXX. Due to the companys actions, my account has been short XXXX which has negatively impacted my funds available. I have also suffered multiple overdraft fees due to this company 's error. Working with the company to resolve this issue has been difficult to say the least. 
Today ( XX/XX/2018 ), the company sent me notice that they in fact made an error on my account. They Company stated that they will refund the {$60.00} they have taken in error in 24-48 hours but would not address the overdraft fees accumulated as a result of their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2018 I was scammed by an XXXX  page name @ XXXX # XXXX, PayPal account was XXXX XXXX XXXX, and email address XXXX who was pretending to be a tattoo artist whos whole XXXX  page was a fraud he used images of other peoples work. He tricked me into sending him XXXX dollars for a tattoo deposit and because I sent it as ( send to a friend ) to him so he would receive his money faster I wasnt able to cancel for a refund and PayPal denied my fraud dispute. I was totally scammed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
When my lease was up with American Honda I received the bill which I tried to resolve since some discrepancies came up. I got the run around then I finally set up payment that they should pull out the amount out of my bank account they failed to do that. I kept calling to get this resolved I kept getting the run around until they finally completed the withdrawal months later. This has been detrimental to me since it postponed the payment by almost a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CCOC is not providing me the original bill and is asking me to back to my insurance which I no longer have. 

They have purchased this debt form XXXX, but are not able to provide me the details. 

Thank you!

Company response to consumer: Closed with explanation