BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-02
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
The name of the debtor is XXXX XXXX XXXX and they have 5 negative marks on my credit that were suppose to remove due to legal action taken by the CFPB back in XXXX XXXX, I have never signed any loan agreements with XXXX XXXX XXXX but it states that XXXX XXXX XXXX placed the negative marks on my credit. I am still getting calls from XXXX XXXX trying to collect on this debt. Please see the copy of the order : CFPB Takes Action Against XXXX XXXX XXXX XXXX XXXX, XXXX XXXX for Illegal Student Loan Debt Collection Lawsuits All XXXX Loans Will Be Independently Audited, Companies Will Pay at Least {$21.00} XXXX and Stop Suing for Invalid or Unverified Debts XXXX XXXX, XXXX Share this Share on XXXX Share on Twitter Share on XXXX Share on email XXXX, D.C. The Consumer Financial Protection Bureau today took action against the XXXX XXXX XXXX XXXX XXXX and their debt collector, XXXX XXXX XXXX XXXX, for illegal student loan debt collection lawsuits. Consumers were sued for private student loan debt that the companies couldnt prove was owed or was too old to sue over. These lawsuits relied on the filing of false or misleading legal documents. The proposed judgment requires an independent audit of all XXXX student loans in the XXXX XXXX XXXX XXXX XXXX portfolio. It prohibits the XXXX XXXX XXXX XXXX XXXX, and any company they hire, from attempting to collect, reporting negative credit information, or filing lawsuits on any loan the audit shows is unverified or invalid. In addition, it requires the XXXX XXXX XXXX XXXX XXXX to pay at least {$19.00} XXXX, which includes initial redress to harmed consumers, relinquished funds to the Treasury, and a civil money penalty. Under a separate consent order, XXXX XXXX XXXX XXXX is ordered to pay a {$2.00} XXXX civil money penalty. 

The XXXX XXXX XXXX XXXX XXXX and their debt collector sued consumers for student loans they couldnt prove were owed and filed false and misleading affidavits in courts across the country, said CFPB XXXX XXXX XXXX. Were ordering them to pay at least {$21.00} XXXX, stopping them from filing illegal lawsuits, and requiring the trusts to thoroughly audit their loan portfolios to identify any other consumers who were harmed.

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 2020-02-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was making a private purchase and the seller recommended XXXX. After agreeing to pay half so he could ship the product and the other half after product receipt, I submitted payment for half totaling XXXX ( XXXX on XX/XX/2020 and XXXX on XX/XX/2020 ). 

After payment was received by the seller, I became aware that it was a potential scam and that I wanted my money back. I have not heard from the seller since. 

Bank said that they could not help, as I authorized the payments through XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am filing a complaint about XXXX XXXX XXXX. They have not provided me with documentations showing and proving they are in Fact the owner of an account they have listed on my credit report and with negative or derogatory status. 

The validation letter I sent reads as such : I checked a copy of my credit report and realized that there was a collection reported from your agency, which I was not notified about. I do not reject to provide with the debt amount. However, this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), that your claim is disputed and a validation is demanded. This is asking for  proof regarding the debt that I owe and verifying it. I am requesting you to stop all collection activities including reporting this information on my credit report. I am sure that you are aware of the fact that non-compliance with this request may end up in legal obligations. Please dispatch copies of the following with your reply : 1. The agreement which authorizes you to collect debt on the assumed debt. 2. The signed agreement from the debtor confirming to pay the debt. XXXX. The documents regarding the payments made on this account and validation of the amount. XXXX capital failed to validate this account. This account need to be removed immediately. XXXX capital system is violating the laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06
Company: ONEMAIN FINANCE CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
The company is One Main Financial, XXXX XXXX, CA. I got an loan and fell back in the payments. Due to death in family and the loss of wages. I receive up to 5 or 6 calls aday. They are harassing me. Remodifing/Refinancing my loan and extra additional interest fees/ charges. I always a month behind. It is causing me great stress to catch up. The calls are too much to handle. Please assist me on what to do. They are putting a {$260.00} payment on my debit card on the XXXX of XXXX. I needed this money for my household expenses. They wouldn't even defer any payments FOR THREE MONTHS, OR until this COVID-19 pandemic is over. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-16
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX is showing that I owe {$350.00} on a revolving account. They are reporting it to be in a Negative status. The account was paid of in XX/XX/2015. They refuse to change the status and it is affecting my credit in a negative manor.

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 2018-02-16
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX, there had been several attempts to collect a payment other then the amount I agreed to out of my previous checking account. I called the company and advised them of the situation, I was given a new agreement. I told the company, going forward that I would make the payment directly on line because I no longer trust the company to take money out of my account. So in XX/XX/XXXX I made a one time payment on line from the precious account before I closed it. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX stating the company had scheduled a payment on XX/XX/XXXX, from the same account ( the one I closed and advised them to no longer process a payment from ). I called the company in regards to this matter and I was told that I wasn't sent a letter. I identified myself as a collections manager. I was told there was no account information on my account. I was told there was not payment schedule. I told the representative, I had the letter in my hand and that it had indicated the information i had stated. The representative then tried to tell me that when I made the payment I made the agreement on line to make monthly payments. I advised her I made a one time only payment. We went back and forth for more than thirty minutes. I informed the representative that I was going to have my lawyer call in regards to their procedures and that I wanted to make a payment. The representative then informed me that she removed the information from the website and that she could no longer take my payment since i was going to call my lawyer. I told her that i was not denying paying the balance but i was questions the company 's antics when intimidating paying customers. The representative refused to take my payment and advise me the only way she would take my payment is if I would wring a letter recanting calling my attorney. I refused and asked to speak to a supervisor. After being placed on a long hold, a supervisor answered the call. I identified myself as a collection manager. I explained the situation and he stated, the only way they would accept my payment was I had to write a letter recanting I was going to contact my attorney. I refused and asked if they could show me that in their policy. The supervisor stated he could not and that was all he could do. He went on to say if I didn't want to hand write the letter that I could go online and submit. I refused and I asked for his boss. After waiting on a long hold again, another representative go on the telephone. He refused to take my payment. Again informed him i was a collections manager, that I knew my rights as a consumer and that what he representative had stated did not correspond with their on line policy. I advised the representative that I was going to write this letter because of their bad tactics and intimidating ways to collect money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: Southwest Recovery Services, Inc.
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently send this debt on my credit report from this company, stating I owe {$710.00}. I did contact them in regards to this issue spoke with a gentlemen and I advised him that I did not take out a payday loan inXX/XX/2013. Advised rep if a payday loan was taken out inXX/XX/2013 then why 5 years later I am being notified of this issue on my credit report. The representative became very rude and told me I owe this money and need to pay. I ask him how can they verify it was my loan, rep then stated it was verify by e-mail and a bank account that was closed due to fraud. I did ask them to send me something in writing that's valid I took this loan out, the representative refuse and told me to dispute it with XXXX and XXXX. Advised him I will then he stated even if I do he will verify it was me so I have to pay something that doesn't belong to me. This company is a third party collections agency trying to collect money that isn't owe. He stated he was taken out online which anyone can do. They are very rude and disrespectful representative. I am a single mom who doesn't deserve this. There is no factual proof that I took out this loan and they couldn't provide any. The representative also advised they will take me to jail if I didn't pay. This is against Fair regulation Act. I never took out a loan and there is no solid proof, the bank account they're referring to was close for fraud which I told the representative that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Capio Partners, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CAPIO PARTNERS LLC at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX has been sending collection notice in the about of {$1400.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
I recieved a text from a number claiming the following : " BOA XXXX Prepaid Debit Card has been temporary suspended. Please click the link below to re-activate your Bank of America XXXX Prepaid Card to Access your Card. XXXX : XXXX '' I do not own a BOA XXXX Prepaid Debit 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 explanation
Consumer complaint received 2018-10-16
Company: EQUIFAX, INC.
State: AL
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 have notified the credit bureau on several occasions that the reporting of XXXX is incorrect. I have obtained a letter from XXXX verifying that my account with them was current and that there are NOT suppose to be any lates reporting on my credit report. XXXX told me that all negative reporting should be removed and they would give me a letter verifying this information, which they did. I have forwarded the letter to the credit bureaus reflecting that my account needs to be reported as current with no lates on the report. However, due to the credit bureaus negligence, I have applied for credit and their false reporting has affected me in getting a loan. I was denied credit based upon their negligence in credit reporting and the credit bureau should be assessed a hefty fine due to their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: EQUIFAX, INC.
State: HI
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 requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Experian Information Solutions Inc.
State: MS
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:
I have sent several letters to Experian to remove inaccurate addresses from my credit report, and they have not removed the inaccurate addresses oon my credit report. 
The following addresses are inaccurate and need to be removed. My proof of address and drivers license is attached. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TN XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
In XXXX, I left an employer and as a result, rolled over a lump sum distribution into an IRA account, set up by XXXX. The financial advisor at the time was XXXX XXXX. The retirement services company ( XXXX ) mailed the check directly to XXXX in XX/XX/XXXX, and I confirmed with XXXX that the check was cashed. 
Moving forward to XX/XX/XXXX, I am gathering up financial info for retirement planning and located the paperwork for this account. I attempted to call XXXX to roll this money into my 401K account. I discovered that XXXX went out of business. I called the XXXX financial advisor that I worked with in getting this IRA- XXXX XXXX ( who still lives in the area ) and he told me that he retired around XXXX and had no access to the records. He did say that XXXX was purchased ( around the same time ) by XXXX XXXX. I contacted several people at XXXX XXXX. They did a " nationwide search '' and could not locate this account. 
I contacted the State of Ohio to see if it would show up under " unclaimed funds '' and they had nothing. 
I need your help with investigating this. This account was a sizeable amount of money, which should have grown over the past 20 years. I am counting on this for my retirement. 
I am really hoping you can help get this missing account located for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
We used a Home Depot card to buy materials needed to fix up a house. 1st of XX/XX/2019 sent them a check for XXXX. It posted XX/XX/XXXX. Check our balance and we over paid the bill by XXXX. Called XX/XX/XXXX about over payment. Was told to call back next week. On the credit card web site sent a message to the credit card company to return the overage asap. Called XX/XX/XXXX was told it would be sent on XX/XX/XXXX.

Called XX/XX/XXXX and again asked for the overage to be returned. The person on the phone said I file a dispute and they can not return the overage. I told them I did file a dispute and the only thing I have asked for is for the overage to be returned to me asap. 
I asked for a supervisor and the supervisor said it would be mailed in 4 days. On XX/XX/2019 I  checked the account balance and they still have not sent the money.

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 2017-12-02
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:
As an identity theft victim, I followed all of the necessary steps according to the FTC as well as all three agencies, Equifax, XXXX and XXXX and to date, I have yet to have a positive resolution to my concerns. The specific concern is that I have submitted all of the documentation and they have yet to remove the several items ( including fraudulent accounts with XXXX XXXX Credit Card, XXXX XXXXXXXX XXXX Credit Card, XXXX XXXX Credit Card and multiple inquiries. Further, the amounts of two car loans are incorrect and they need to be updated to the proper amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX Account # XXXX 30 days late in XX/XX/XXXXXXXX XXXX XXXX 60 days in XX/XX/XXXX, XXXX XXXX  90 days in XX/XX/XXXX, XXXX XXXX  120 days in XX/XX/XXXX, and XX/XX/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 2020-05-06
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I manage a travel agency and I use my CITI credit card for air tickets booking. During the past few months, due to the impact of the coronavirus, hundreds of tickets were cancelled and the money went back to my CITI credit card. But Citi bank has made it so difficult to refund the money to my checking account. 
Last month when the total money they owed me became as much as {$200000.00} USD I had to file a complaint with this same office and they eventually contacted me on XX/XX/2020, and issued the refund a few days later. 
Today, the money they owed me reached {$33000.00} and after I contacted CITI I was told my request for a refund was declined because of open disputes. This doesn't make any sense? I am very dissatisfied with the way I am treated and demand whatever CITI owes me to be refunded asap. I will make complaints to all places possible. if this isn't resolved in a timely manner.

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 2019-08-08
Company: NEW CITY FUNDING CORP.
State: MA
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:
On my first complaint I told new city funding that the auto loan that I had with them wasnt discharged in bankruptcy, they are claiming that it was but that is incorrect because if an account is discharged in bankruptcy, it doesnt have to be paid because it was discharged,  I filed for bankruptcy chapter XXXX so that means that all of the accounts that were included in my bankruptcy I didnt have to pay any longer because they were discharged, now I paid this auto loan in full, every single payment were taken out of my bank account, so if I paid this account in full using my own money, how can new city funding tell me that it was discharged in bankruptcy. If I discharged this loan in bankruptcy how come I still have the car? That is my question to new city funding, I was a great costumer to this bank and they are doing me so wrong by not telling the truth, even the documents that they sent me, if you look at each of the payments, they were made as they were agreed to. I want new city funding to proof to me that I did them wrong on this account, if they have any proof showing that I didnt pay this account in full I will stop complaining about this matter, this is no way to treat costumers, I will contact the attorney generals office and I will also file a complaint with the XXXX, XXXX XXXX XXXX, if this account isnt corrected because new city funding know very well that I never missed any of my payments on this car. The FCRA says that all information on a consumers credit file needs to be 100 % accurate and right now this account isnt being reported accurate at all. This bank or any other bank for that matter have to obey the FCRA and go according to what they say. I will also consider legal action in small claims court against new city funding for wrongfully reporting this account to all the credit bureaus.

Company response to consumer: Closed with explanation