BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-08
Company: CL Holdings LLC
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am being told that I owe a debt of {$1000.00} to XXXX. However, I am not aware of the services and/or goods that were rendered to encounter this charge. I am requesting in writing the charge date, items received, receipts with signatures authorizing the charges and/or receiving merchandise or services. I would also need the date in which the services/merchandise was rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: DISCOVER BANK
State: IL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have a dispute that Discover have not resolved. A partial amount was credited back to my account in the amount of {$380.00} from the merchant. This is only XXXX out of a XXXX dispute that was in favor of the Merchant by Discover back in XX/XX/XXXX. I did not authorize this refund for half of the amount of my XXXX when my secondary insurance was never billed by the provider. I rightfully do not owe any money to this provider with two covered insurance policies. My claims are currently under investigation with my insurance provider 's, and I do not owe anything to this provider as I was told meaning the {$750.00}. 

I was also told that my refund will be in the form of a check by the provider. However a Partial refund of {$380.00} was put on my discover account without my consent. I requested for Discover to return the funds back to the merchant because I was told my funds will be in a form of a check, and that's what I want. I do not want this provider to have anymore access to my Discover credit card. Discover has refused my request. Please see attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
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:
the disputed fraudulent information from my Credit Report. I sent a letter dated XX/XX/XXXX to remove the information reporting on my Credit File that are UNKNOWN to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, # XXXX, # XXXX & I am including it again : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$1000.00} XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$800.00} XXXX XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX XXXX XXXX  XXXX Balance Owed : {$260.00} XXXX XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} CHLD SUPRT XXXXXXXX Balance Owed : {$30000.00} CHLD SUPRT  XXXX Balance Owed : {$24000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CPS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: LDF Holdings, LLC
State: MN
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I have already paid them XXXX on a XXXX dollar loan I called for my payoff balance and they say I owe XXXX they never told me my interest rate before I got the loan!!! I never received any paperwork only my payments schedule

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
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 bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items 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. 
XXXX {$0.00} XXXX {$5500.00} XXXX {$4900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Claim reference : XXXX I spoke to the XXXX XXXX  customer service department and they said there is a mistake on the way your handling this Dispute, i spoke to one of the wells fargo representatives on XXXX and she said Wells Fargo has no dispute rights, but according to the XXXX XXXX XXXXupport team if i paid with my debit/credit card i have the right to dispute the transactions with Wells Fargo and potentially get my money back - email attached. Wells Fargo is violating my rights, which is the fair credit billing act by denying my rights to file a dispute and i will be forced to file a complaint about Wells Fargo with the consumer financial protection bureau and Federal Trade Commission because your Violating the law. I request that you respect my rights and proceed with the dispute, I am writing for a charge in the amount of {$8700.00} on my account, i hired this company for Professional renovation services for 3 properties, this seller never did any work, i requested several times for him to finish and it was never done, after he disappeared and never again answer to me. Because of this i want you to consider this transaction as Fraud. We refused to pay the amount charged {$8700.00} as i never got any of the services and the seller blocked me which turns it to a fraud. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement because i refused to pay the amount billed on my account. PLEASE CONTACT ME SO I CAN SEND XXXX XXXX  EMAIL NOTIFICATIONS WHERE THEY MENTION YOU CAN DISPUTE THE CAHRGES

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 2018-03-23
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
In XX/XX/XXXX, I reviewed my bank statement online and saw that I had overdraft fees. I called the online customer number to remind them that I never opt-in to have overdraft fees. In the past, I had experienced large accumulation of fees and it had affected my account balance. I was told to not worry about it. 

During the period of XX/XX/XXXX to XX/XX/XXXX, I was unemployed and without a job contract. 
At that time, my account started to accumulate enormous overdraft fees. Again, in XX/XX/XXXX, I contacted the US Bank customer service line to remove the overdraft protection. I had asked to leave my account without the overdraft protection due to the fact that the overdraft fees prevented my scheduled transactions to be withdrawn. By the time the funds arrived in my account, the overdraft fees would take {$72.00} to XXXX $ out of my limit income. I had spoken to the manager about my situation and was informed by XX/XX/XXXX that my overdraft fees were more than {$400.00}. Then by XX/XX/XXXX, I was waiting for my pay and I informed the US BANK manager on XXXX XXXX XXXX XXXX, CA XXXX and she informed me told that my payroll would be too late because I owed more than {$1000.00} in fees. My account was closed by the end of XX/XX/XXXX. 

On XX/XX/XXXX, I contacted XXXX XXXX, Manager, Collection Support Services, XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX, XXXX XXXX XXXX, PA, XXXX via email at XXXX. I informed her I was ready to settle and pay the {$190.00} this Friday, XX/XX/XXXX but my credit report will need to mention " Paid '' as oppose to " Settle ''. She told me she couldn't do that and US Bank needed to make this decision. I asked her to forward my request to US BANK but she refused. I contacted the collections department at US Bank and the representative told me that the collection agency needed to do enter the " PAID '' on my credit report. I attempted on multiple occasions to talk to a manager but no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am formally requesting with this CFPB complaint to remove the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureaus are obligated to finish their investigation within 30 days ; please do so, otherwise they will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$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 non-monetary relief
Consumer complaint received 2018-04-23
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent an credit card dispute/inquiry to the following : US Bank XXXX XXXX XXXX XXXX ND XXXX Attn : Executive Office Consumer Complaints The purpose of this memorandum is to notify US Bank that I seek a full detail since inception of all transactions for the account number XXXX Over the past several years dating back to XXXX, I have been in numerous conversations and interactions with US Bank, via phone, bank visit ; all requesting backup for questioned charges. 

US Bank has failed to provide any supporting documentation. I mentioned at that time that I was giving US Bank at least two weeks to provide verifiable proof that charges occurred on my credit card and if not that I would begin the credit dispute process via Consumer Financial Protection Board. As of XX/XX/XXXX, no proof has been provided. 

Based on the information contained and the Fair Credit Reporting regulations ( laws ), I request that all derogatory information pertaining to US Bank ; get eliminated from my account.

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 2022-08-08
Company: Mr. Cooper Group Inc.
State: OK
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I requested a Pre-Approval from Mr. Cooper. I am in the early stages of looking for a home and wanted a generic approval to know what i could start to look for. This should have been a soft pull according to their site and what is done with any Pre-approval done by other companies. Mr. Cooper did not do a soft pull they did a hard pull and are refusing to take that off my credit report. I did not agree to a hard pull, I agreed to a soft pull. the attachment shows i have tried to get this fixed and have gotten no where. I have even had calls where they have refused to acknowledge wrong doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
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: Information belongs to someone else

Complaint:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2018-04-23
Company: U.S. BANCORP
State: GA
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:
On XX/XX/2018, I submitted a credit application to US Bank to obtain a XXXX XXXX credit card. A credit inquiry was done and I was approved for the credit. On XX/XX/2018, I requested a credit line increase for the card and was advise by their rep. that they would consider the request and contact me soon with a decision. On XX/XX/XXXX, I reviewed my credit report and found that another credit inquiry had been executed by US Bank. This action was taken without my knowledge or consent. I would not have agreed to another hard inquiry on my credit report given that stays there for 2 years. 

On XX/XX/2018, I called the bank to complain and ask that the inquiry be removed. I was told by the rep. that the bank has the freedom to initiate a credit inquiry without a consumers consent if it so chooses. I stated that I believe this action violated my consumer rights and should not be allowed. 

To that end, I am filing this complaint in an effort to have this credit inquiry removed from all my credit reports. Your attention to this matter is appreciated.

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 2020-05-06
Company: AmeriHome Mortgage Company, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my job due to Covid-19 and am waiting to get on unemployment ( for the last month ). I saw that my mortgage company Amerihome mortgage was offering forbearance as mandated by the Cares Act. When I inquired about how they could help me I was told that they are ONLY offering the mandated forbearance for 3 months with a balloon payment due on the 4th month. I don't understand how anyone could afford to pay thousands in order to catch up. I asked about deferments and they aren't offering them. So really there is NO relief and it really isn't fair. President Trump said no one could be penalized but the mortgage companies have found a way!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: EQUIFAX, INC.
State: MO
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 am formally requesting with this CFPB complaint to remove the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureaus are obligated to finish their investigation within 30 days ; please do so, otherwise they will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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 made serval attempts to remind you of your duty pursuant 15USC 1681. It appears your intentionally and willfully being neglectful in remedying my affair. 15 USC1681E ( B ) assures that I am due, promised accuracy in my report based on federal law. I am making this another attempt to have these errors corrected on my consumer report. 


Its been 6 months and still haven't received a response from the consumer reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Aargon Agency, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Aaron agency Inc. is a debt collecting company I have never heard of before much less had any communication with. The original debtor, XXXX is the original lender who I vehemently denied owing any debt to and filed a dispute with after they threatened that my credit would be effected negatively. I don't owe this debt and Aaron does not have authority to report on my credit without correspondence. I do not owe this debt and I dispute this 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 2018-03-23
Company: CITIBANK, N.A.
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: Problem with personal statement of dispute

Complaint:
I have asked for corrections on a XXXX account I paid in-full as I am working to clear a matter concerning a Chapter XXXX that I have not affirmed. You have this under CFPB case # XXXX. CITI sent me a letter dated XX/XX/2018 saying they are going to refund the money paid by my spouse to pay the account in-full so that they can report the account in a negative status rather than correct the erroneous reporting. CITI wants to pretend they were not aware of the Bankruptcy reporting but they were well aware when the payment was made on XX/XX/2018. CITI in-fact was aware on or before XX/XX/2018 as they accepted a payment from me from my checking account. I called XXXX from my cellphone because I could not make the payment myself online and was informed that they had frozen my account access because of the Chapter XXXX being reported but they said that I could pay over the phone using my account they had on file and so I made a {$50.00} payment which they accepted. Due to the hassle of making that payment I had my spouse pay the account in-full. Now CITI wishes to reverse a payment so they can damage my credit rather than correct the reporting. As I stated I have not entered into a Chapter XXXX plan as fraud has been committed and I am committed to correcting it through the legal system. This account has been paid in-full and now they wish to refuse payment so they can generate negative reporting which damages me further credit wise based on creditor fraud. I have their letter as proof they are reversing a paid in-full account to effect negative reporting on my credit.

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