BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-06
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX XXXX ( account number XXXX ) is collecting a gas company debt that is fraud. Someone opened a gas account in my name. I did what I was supposed to do and filed an ID Theft Affidavit with the three credit bureaus instructing them to block this item from my file and instructing XXXX to perform whatever fraud process was needed on their part. 

XXXX XXXX  sent a fraud affidavit to me which I completed and sent back to them. XXXX XXXX and XXXX  have properly removed this item from my file. But Experian doesn't seem to play by the same rules and has left it. Even XXXX has agreed it needs to be removed.

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 2020-09-17
Company: Experian Information Solutions Inc.
State: WA
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:
I have been dealing with this for 4 months now and no reply from anyone. Contacted the creditor and no reply after 60 days and the same for the credit bureaus. 
the following accounts are reporting inaccuate 1. XXXX XXXX 2. XXXX   3.XXXX They are charged off accounts and they are reporting a balance and that is against the FCRA laws

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 2018-04-18
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Juniper XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus

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 2018-04-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Chase has violated 15 USC and 1692 by continuing collection activity after a cease and desist and 16 USC 1681 by failing to report complete and accurate information to credit reporting bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: Westlake Services, LLC
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Westlake Financial responded to an initial complaint file through XXXX with inaccurate information. Westlake Financial stated that they emailed paperwork, for a differed payment that they proposed, to my email address and stated that they had not way to get in touch with me to follow up. Westlake financial did not send anything to my email address and only responds to emails with an automated response. As a result of this, they are now claiming that my account is 57 days past due ; making it also virtually impossible for me to pay my account as they have denied me online access.

Westlake financial has my address on file as well as my email address and could have used either to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The following account is fraudulent and needs to be deleted and blocked immediately from my XXXX   credit report. 

XXXX  XXXX XXXX Account # : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: Happy Money, Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Hello, I applied for this loan and faced some financial difficulties because my student loans became due. This company helped me by deferring my payments. However, this caused my payments to balloon. I was not fully aware of what was occurring when my payments increased. Now they are sending me emails saying I have options to pay off my loan. However, when I call them they are telling me I have exhausted all of my options. Pay off also says the emails are automated. I work at a XXXX XXXX  and I know they should have some sort of filter to cease sending emails informing customers who have no options that they have options! I find this deceitful and extremely frustrating. Because i would like to work with them to become current. But they are not doing anything else to help. If they loan is charged off or I file bankruptcy they will get nothing.

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 2021-04-12
Company: CITIBANK, N.A.
State: NV
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:
While checking my credit report, I notice an account from CITI that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/XXXX, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I sent them a final certify letter on XX/XX/XXXX, see attached, again with no response. As of today, they are still reporting negatively on my credit report. I also sent certified letters to the three credit bureaus, see attached, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that CITI is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this 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 explanation
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2018-04-18
Company: SYNCHRONY FINANCIAL
State: IA
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:
XXXX XXXX  has 3 accounts still listed on my credit report with all 3 bureaus ( XXXX, XXXX and XXXX ). All 3 accounts show a balance of {$0.00}, but report as charged off. Despite contacting the company numerous times, these items still report. I am wanting to buy a house soon, and these 3 accounts are still showing up, and weighing my score down significantly. I have had other companies remove paid collections, but it seems XXXX XXXX only wishes to report paid collections out of spite. The 3 accounts are a XXXX, a Paypal Extra 's MC and a XXXX XXXX XXXX. 2 accounts were closed on XX/XX/XXXX, and Paypal Card was closed on XX/XX/XXXX. Despite over 3 years passing since these accounts were closed, they are still damaging 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
Consumer complaint received 2020-09-17
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX XXXX XXXX did not have authorization or permissible purpose to access my credit report

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 2019-10-24
Company: Century Financial Services, Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I very often get phone calls from ( XXXX ) XXXX and when I answer it is the same female robotic voice telling me Century Financi is trying to collect a debt which I do not have any debt. When I call back the number, no one answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Violation of the US Constitution 's Fifth and Fourteenth Amendment : I was not aware of any legal action against me from Capital One Bank prior to a shortage in pay on XX/XX/2019. After noticing my paycheck was minus several hundred dollars, I contacted my employer 's Human Resources Representative to see if they forgot to include my overtime pay. The Representative contacted payroll and then informed me of a GARNISHMENT they had received. I asked for an email copy of all records they had regarding this matter, went online to AZ Public Court Records, and then contacted the Superior/XXXX Justice Court to inquiry how this was possible. On XX/XX/2019, I called the Clerk of Courts and told them I had never been notified ( Served ) a summons, and wasn't aware of any legal action pending against me. The Clerk told me the Process Server 's ( XXXX XXXX ) told the court that I wouldn't open the door for him when he knocked, so Judge XXXX XXXX amended the the summons to where the process server could simply leave it on the door. I work nights and try to sleep during the day time with as much white-noise as possible. I do not get out of bed every time someone knocks on my door as this would be equivalent to someone working day shift being disturbed in the middle of the night ; from it being solicitors selling windshield replacements, newspapers, tamales, etc. The Clerk went on to say that she spoke with me directly about the pending court hearing and that I told her I needed to get back with her after checking some information. This NEVER happened! I go to the court once a month to pay a fine to the Clerk of XXXX Magistrate Court, a different Clerk in the same office. She went on to say that Judge XXXX XXXX then entered a Default Judgement against me because I never got back into contact with the Clerk after this bogus discussion. ARIZONA CASE NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: United Collection Bureau, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been in a debt consolidation company for the last year and a half and have been paying this company through the debt consolidation company I have been paying XXXX a month to pay off the balance and only owe XXXX left which they initially agreed upon now they sent me to collections and are trying to make me pay the full balance which I already been paying down only owe XXXX. This does not seem right it seems fraudulent to me please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
My issue pertains to a recent interest charge from Captial One. As of XX/XX/, the balance on my account was for {$510.00}. This amount, which included interest on that amount of {$11.00}, was paid in full on the payment due date ofXX/XX/2019. My credit card balance was {$0.00} until this morning, XX/XX/, when I checked my account on my phone and saw that I had been charged another interest charge of {$11.00}. The only description on Captial One 's app of the interest charge was for " purchases made on XX/XX/2019'', of which there were none and, as of the writing of this complaint, remains as such. I called Capital One for an explanation and all the representative told me was that this interest charge " was for previous account balances from XXXX and XXXX ''. Obviously, this explanation was not satisfactory and I'm quite dumbfounded as to how I can be retroactively charged interest on a balance that was already paid in full, and which I was lead to believe, according to their billing statements, included any and all interest charges accrued. I will not allow Capital One to hoodwink me into paying interest charges that they know are completely and utterly fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: IL
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Although I can see my funds in Coinbase Pro, I can not remove them or transfer them. I have tried repeatedly to contact CoinbasePro, to no avail. At this point I want to cancel my CoinbasePro account and transfer ALL funds to Coinbase account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-06
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
i paid this debit that was from when i was married after they threathen me i paid XXXX a month for 2 year i than asked at the end of to year to send me pay history and balnce if any owed in XX/XX/2016 now 2 years later there claiming i owe XXXX more which why did they wait 2years to collect and i made several requests when i had money to cler any balance up! for a print out well no tey agian rather be sneaky XXXX XXXX and hide two and attach my wages thats going to kill me and make me  homeless!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Capital One Bank has two fraudulent credit card accounts in my name as the result of identity and they still havent removed after I informed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
My company had several business checking accounts with BMO Harris from XXXX - XX/XX/XXXX. We switched to another bank due to better interest rates. 

My accountant noticed in XX/XX/XXXX that one of our BMO checking accounts cleared the same check number XXXX twice for two different amounts in XX/XX/XXXX. The check in the amount of {$1800.00} was issued by our company. However, the check for {$5000.00} was not ours. I immediately went down to my old branch and spoke with branch manager XXXX XXXX XXXX. She pulled both check images and immediately recognized that the {$5000.00} check was a fraudulant check. It did not look like our other checks, our business name was spelled wrong, it was signed and made payable by names not associated with our business at all. She admitted that it was indeed a bank error, that we should've been notified at the time of the duplicate check number. She said to get a police report and come back and fill out a fraud affidavit, which I did. She said the money will be put back in my old account within 30 days. I called her 5 weeks later and she said she'd call me back. She called me back and said her request was denied because I did not file a complaint within 90 days. She also said that she would not be able to get decision over turned because I was no longer a customer. I asked for her boss ' info. I then spoke with XXXX XXXX XXXX XXXX XXXX who also admitted that this was clearly a bank error and that he would contact his superiors for a refund. I called him 10 days later and he said he had bad news. Because I did not report the fraud within 30 days that I was responsible for the fraud. He said the same thing as XXXX that because I was no longer a customer he would not be able to get the decision over turned. I asked for his boss ' info. He said he would email to me but never did. I have never had any fraud issues with BMO in the 8 years I was with them. This was the first and only issue.

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 2018-12-06
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I tried closing my XXXX XXXX card with Barclaycard several months ago via chat, but was unable to. I tried again today, and was informed that I won't be able to close the account and get a refund or prorated refund of my annual fee. I was informed that I would need to wait until XX/XX/2019. I was also informed that XXXX months have passed since I paid the fee, which is completely false. The fee was assessed XX/XX/XXXX. My bill was not paid until XX/XX/XXXX. It's the beginning of XX/XX/XXXX. My fee has only covered benefits of the card for XXXX months. I haven't used this card, and I receive better benefits by flying XXXX XXXX several times per month. I do not plan to use this card, and want to close it. Barclaycard will not close my account, and will not give me back at least a prorated amount of the fee or reallocate it to a different card.

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 2019-02-27
Company: Continental Services Group, Inc. d/b/a ConServe
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
In XXXX of 2017 I began attending XXXX XXXX XXXX University 's XXXX XXXX program. I was recommended by the school and my peers to pull out the max amount of loans, because I was attending a XXXX program and did not have time to get a job and support my means of living. Within a few weeks of attending school, family emergency 's came about, causing me to dropout of school. Since than I have had very little luck finding a job, let alone a good-paying and full-time career. I was under the impression when I was pulling out the student loans that it was to be handled via Dept of Education, just as my previous student loans were handled from my XXXX program at University XXXXXXXX XXXX. I contacted XXXX XXXX XXXX multiple times to try and settle this issue and devise a deferment plan until I got back on my feet financially and had a job, but they insisted I repay the entire amount or I would be sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Rauch-Milliken International, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
In 2019 XXXX started billing for yellow page advertising that was cancelled prior to the due date. 
XXXX was notified. 
XXXX sent an email verifying the amount was cancelled. 
2 different collection agencies continue to send demand letters, even after I send or fax them the verification from XXXX that the bill was cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: PNC Bank N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My aunt went into the hospital due to a major XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX a fraudulent check was written and cashed in her name for {$38000.00}. Once this was discovered by my aunt through her monthly checking statement she followed all of the protocols required by the bank to have the money reimbursed. On XXXX, XXXX, XXXX PNC Bank reimbursed {$28000.00} of the stolen money. As of this date, XX/XX/XXXX the remaining {$10000.00} has yet to be put back into the account. My aunt passed on XX/XX/XXXX without this being resolved. She put me on her checking account before she passed. I am now taking care of the bills for her home and attempting to get the process started to become executor of her estate which this money would allow me to cover the court filing fees which I can not currently afford. This money is important to me moving forward with handling the business I need to take care of. My most recent correspondence with this situation has been with a follow up call from their fraud investigator saying that their back office was looking into the matter on XX/XX/XXXX. I only receive follow up calls once I take the initiative to reach out to them. I need this money put back into the account immediately.

Company response to consumer: Closed with explanation