BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-24
Company: ALLY FINANCIAL INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Opened checking account with Ally around XX/XX/2019. Took months an correcting my address 3 times to finally receive my debit card and checks. After a few pay cycles, was given a bad check for a job. Charged {$7.00} for the returned check, my account was frozen and I was told my money would be accessible when I made a police report for the unpaid bill issue which was done that day so I was told I would be good to go in a few days. Fast forward about 3 weeks, and about 7 direct deposits later. All of my Bill 's have been declined causing late fees, card has been declined so my kids are currently living without groceries and diapers and toothpaste and shampoo. After hours of being on hold, I am finally alerted that my account has been closed and I STILL have not been given my own money which means I can't open another account and my direct deposits are still going to their company. I have been robbed, plain and simple.

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 2017-09-28
Company: Experian Information Solutions Inc.
State: AK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Tried to put on a security freeze with Experian. They immediately asked for a credit card number, which I provided, then on the next screen - they said they were 'unable to put on the freeze ' and I would have to mail them {$5.00} and mail them my driver 's license and another proof of identity ( along with my SSN, etc. ). They have my SSN, and all of my information already, I do n't want to give them further information on me to store. On top of that - they charged my charge card when I did n't get anything! I have protested that charge. It is n't about the money - it is about this company making consumers upload or mail additional confidential information just to keep our information secure. I successfully put on credit freezes on the other two companies ( XXXX and XXXX ). It is only Experian that is refusing without gathering even more information ( which they probably have anyway ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am the consumer, XXXX XXXX has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it and verification of my identity before entering into a contract. According to 15 USC 1692, I do not owe any alleged debt because I am the consumer and Im not obligated to pay. I am an administered agent according to 15 USC 1602 ( o ). 18 USC 8 will provide that information to you. I do not own that debt. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I am the consumer and I am the only one that can validate that debt and it is not mine. XXXX XXXX did not verify this information. According to 15 USC Code 1681 ( a ) ( e ) it states that you have to do interviews with my family, associates and neighbors, you guys did not do that. You didnt provide that nor any information of anyone that is associated with the consumer, which is myself. XXXX XXXX also, reported the amount I owe to a third parties without my consent to XXXX, XXXX  and Equifax, that is a violation of 15 USC Code 1666a ( b ). Under the law of my federal consumer vice, I am instructing you right now, according to 15 USC 1681 ( b ) ( a ) ( 2 ) to remove it according to my written instructions. I didnt give you guys permission to furnish any of my information. The law is very clear as to the civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried to contact this apartment complex to have them show my signature on any signed documents. I have never stayed in an apartment within the last 25 years. 
File Number : * XXXX Amount Owed : * {$240.00} Collection Date : *XX/XX/2019 Original Creditor : * XXXX XXXX Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XX/XX/2017, the Consumer Finance Protection Bureau filed a lawsuit against XXXX. The CFPB accused XXXX of failing to act in its customers best interests. Among other things, the CFPB charged that XXXX :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am the consumer, XXXX XXXX has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it and verification of my identity before entering into a contract. According to 15 USC 1692, I do not owe any alleged debt because I am the consumer and Im not obligated to pay. I am an administered agent according to 15 USC 1602 ( o ). 18 USC 8 will provide that information to you. I do not own that debt. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I am the consumer and I am the only one that can validate that debt and it is not mine. XXXX XXXX did not verify this information. According to 15 USC Code 1681 ( a ) ( e ) it states that you have to do interviews with my family, associates and neighbors, you guys did not do that. You didnt provide that nor any information of anyone that is associated with the consumer, which is myself. XXXX XXXX also, reported the amount I owe to a third parties without my consent to XXXX, Experian and XXXX, that is a violation of 15 USC Code 1666a ( b ). Under the law of my federal consumer vice, I am instructing you right now, according to 15 USC 1681 ( b ) ( a ) ( 2 ) to remove it according to my written instructions. I didnt give you guys permission to furnish any of my information. The law is very clear as to the civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply.

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 2017-07-06
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
On XX/XX/XXXX I wrote a heart filled letter to XXXX XXXX XXXX himself to ensure that I would not accumulate any late payment history and informed XXXX XXXX of my situation. XXXX XXXX responded with no empathy and made me feel like I was just a number, no customer should ever have to feel like that. I submitted a document to support my current situation and enrolled into their hardship program with automatic payments to ensure that I would not incur any late payment information on my credit report. I take pride in having a spotless record and % 100 on time payments. I 'm a single father and with a XXXX year old son that motivates me everyday to work harder and strive to be the best father that I can be. Last year me and my son lost everything due to hurricane XXXX on XX/XX/XXXX and currently we are grieving the loss of life, my grandfather and Discover does not make this any easier for us, my life will never be the same and I still feel empty. On XX/XX/XXXX discover reported late information to my report after I agree contractually to take part in their hardship program, I received a letter dated XX/XX/XXXX that did not align with the program I agreed to take part of, the letter contained information that indicates XXXX XXXX did not review my account correctly and no remorse was displayed whatsoever. I informed XXXX XXXX that I 'm improving my credit report so I can obtain financing for a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please remove the negativity immediately. 
XXXX XXXX PL XXXX XXXX, NY XXXX. 
XXXX XXXX XXXX XXXX XXXX, NY 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 non-monetary relief
Consumer complaint received 2020-02-24
Company: U.S. BANCORP
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XX/XX/XXXX I returned the Car that I had a lease with US Bank. The monthly payments were {$950.00} done on the XX/XX/XXXX every month automatically by my bank, the XX/XX/XXXX of the month was the due date ( as seen on US Bank statements attached ). 
On XX/XX/XXXX US Bank fraudulently sent a statement with a due lease payment by XX/XX/XXXX ( The lease had finished by then ). My Bank on XX/XX/XXXX paid the due amount of {$950.00} for the period of XX/XX/XXXX to XX/XX/XXXX. This payment was a wrong charge as the Lease ended on XX/XX/XXXX, so the last payment should have been on XX/XX/XXXX, covering the period on XX/XX/XXXX through XX/XX/XXXX. 
I called US Bank and they told me the money would be refunded, I called again on XXXX and was told the same thing and today XX/XX/XXXX ( two months after ) I was told the same story.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-01
Company: U.S. BANCORP
State: NH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
usbankreliacard : Unresponsive to telephone inquiry ( XX/XX/2020 )

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 2017-08-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Provided is a receipt of payment to CHASE, in branch, to clear the unpaid balance and up to X/X/2017,  Chase has yet to clear the issue with XXXX  XXXX who is inaccurately reporting a debt that has been paid and was promised to be cleared. In XXXX 2017, I went to apply for a checking/savings account with XXXX XXXX in XXXX, FL. They denied my application for a checking stating that CHASE bank reported a balance of delinquency. After sending proof of payment to CHASE to XXXX XXXX, XXXX XXXX, on XXXX, stated a balance was still showing to CHASE. WHO IS GOING TO FIX THIS INACCURATE AND UNFAIR, PREJUDICED REPORTING. I have been discriminated and the banks are communicating inaccurate information as is reporting on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was charged for over XXXX dollars at a hospital I've never been to. The hospital is more than two hours away from where I live. I tried to dispute the fraudulent charge but it kept telling me it was verified without any proof. I tried contacting the collection agency and was told there was nothing I could do and that I had to pay it in full to avoid further penalties

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Capital One Fraudulent Business Practices. 1 ) I purchased two wigs using Capital One Mastercard, one of which wasn't what I ordered at all. I called the company, XXXX, an hour or less after I received them. XXXX kept giving me all kinds of crap about letting me return the wig over two or three days. XXXX kept " losing '' the photos I sent etc. So, I called Capital One. Capital One removed the charge of {$160.00} and change on XXXX XXXX XXXX and put the charge right back on my account on XXXX XXXX XXXX -- which I didn't notice for a couple of weeks.

I called Capital One and got no where. Capital One claimed they were following Mastercard Protocols. -- I had no idea Mastercard was like this. I've never had a problem with a company engaging in fraud when I made a purchase through Visa. Never. Once I pay off Capital One, I'll never use Mastercard again. ******************* When I realized Capital One was cheating me in this way, helping fraudulent companies, I decided to check my account more closely and found out Capital One did " Purchase Adjustment '' without notifying me this at least 3 other times.

* * * * * * 1 ) XXXX XXXX issue was resolved after a complaint here, to the CFPB. Apparently XXXX XXXX told the truth when queried about why they charged my account. A correction was made. {$59.00} * * * * * 2 ) I purchased a XXXX XXXX XXXX that turned out to be a matt. It barely got warm at all and it was too inflexible to use. I also paid for next day service and didn't get it. I tried to return the matt over and over, the website wasn't working. XXXX XXXX. Their phone wasn't working either. {$170.00} I called Capital One, where they state they record the conversations. The customer service rep at Capital One told me not to worry about sending the matt back -- -because I couldn't. One week later, unbeknownst to me, Capital One snuck the charge back onto my account on XXXX XXXX XXXX. ( I've send Capital One the apology e-mail from XXXX XXXX via CFPB -- there's no way they didn't receive it. ) 3 ) I paid for a group trip in installments, at the beginning of XXXX. The trip didn't take place because of COVID. The company had to cancel the group trip. Capital One credit my account for 4 of the charges but then recharged me for one of the trip installments on my XXXX XXXX statement that's somehow dated XXXX XXXX for {$270.00} The only reason I know what it is -- is because of the amount. It says " PURCHASE ADJUSTMENT '' and Capital One adds near {$300.00} to may account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: Aargon Agency, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
OnXX/XX/XXXX, I requested that Aargon Collection Agency validate debts reported on my credit report. The accounts are for {$750.00}, {$200.00}, and {$200.00}. As of today, XX/XX/XXXX, Aargon  Collection Agency has yet to verify these debts and is still reporting these debts to credit bureaus. I never received notice of these debts prior to them being reported to credit bureaus. I have no knowledge of these accounts.

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 2022-08-05
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Please remove outdated information from credit report, information is inaccurate and outdated, this is stopping me from progress, This is not my first time contacting you all about this, thank you to whoever can help! God bless 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 2022-03-29
Company: WAKEFIELD & ASSOCIATES, INC.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have disputed a charge with my insurance company, but the charge was sent to collections. I filed a report with the collection company alerting them of this, and I talked with them saying that I am disputing the charge and it would take, according to the insurance company, 7-20 days to refile my claim. The debt collection agency has been calling me an excessive amount of times. For example, the debt collection agency has called me 15 times from XXXX p.m. yesterday to now ( XXXX a.m. ). I can not make the insurance company refile my claim any faster, which I have told them. 

I am also aware that I have an unpaid {$36.00} charge from 2018. I will pay this once I get the current claim figured out because I do not feel comfortable paying them just part of what is owed since once the claim is refiled I won't need to pay it all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: ORG GC GP Buyer, LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was promised  XXXX  $ dollars to switch from  XXXX   XXXX  to  XXXX   XXXX  come to find oylut it was lying tactics they use to get your business! I refer approx  XXXX  out of the  XXXX  I was promised!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: ERC
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a call from ERC collections stating that my XXXX XXXX account had been sent to collections. They told me the outstanding balance was {$2100.00}. I told them I did n't have that much money on hand but that I was willing to make payments for settle for a lesser amount to get it taken care of. ERC and I came to an agreement of {$1200.00} to settle the debt. I made sure ERC sent me a letter stating the debt would be settled in full once my payment was received. I went and got a cashiers check for {$1200.00} and sent it to them. About a month later, I noticed I still had a balance of my XXXX XXXX account. I called XXXX. They confirmed my account was in collections, that they were waiting on ERC to finish their part and that it usually takes one to two billing cycles to be complete. This was in XXXX and XXXX. It is now XX/XX/XXXX and I 'm still getting letters from XXXX XXXX telling me I have past due payments. This account was settled on XX/XX/XXXX with ERC so I do n't understand why I keep getting letters and emails stating that I 've missed payments and still owe money. I also do n't know if XXXX has been reporting missed payments to the Credit Bureaus. If they are, they are wrong and XXXX or ERC should be required to fix it.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent an investigation request to the credit bureaus on XXXX XXXX. Its been almost 60 days, and I have yet to receive my results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: DISCOVER BANK
State: NJ
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 am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief