BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-23
Company: The Thomas Agency, Inc.
State: ME
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I noticed that the Thomas agency, a debt collection agency had reported collection to all three credit bureaus I immediately called the Thomas agency to find out information on what debt this would be. They said it was for a hospital bill under a name that was not mine but with the same last name. I stated that they must be an error because there was no one in my family with that name. The dance threatened me saying that it was my responsibility prove that this was not me. I then called the hospital and found out that they had made a clerical error and charged me and hired the Thomas agency to collect the debt for me under my social security number. Not only did this cost me great distress, but has put a scar on what was a perfect record over the last 7 years with no scars on my credit from any three of the bureaus. did damage has already been done, and I do not see it changing even though they assured me that it would. I asked him how they supposedly contacted me they said that they sent a letter to a town and the dress that I have never lived at and was returned. They failed and using due diligence in confirming that this was me and attached all this incorrect information to my social security number and my phone number. There are no documents to provide as I was never provided with any document by the thomas agency. All of this is recorded by the Thomas agency as stated by the verbal disclaimer when talking on the phone with them.

Company response to consumer: Untimely response
Consumer complaint received 2019-06-04
Company: EQUIFAX, INC.
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX/XXXX  ; XXXX XXXX ; XXXX XXXX XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
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: Information belongs to someone else

Complaint:
I am a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This company put incomplete information on my credit report XXXX Inquiry from XX/XX/2019 Miscellaneous Institution Information No contact information has been reported by this creditor. 
I never applied for a XXXX card, and it is no address or phone number to contact the company so it can be removed. 
I have paid all of my bills on time for the last 12 years but that does not reflect my credit score, Equifax score XXXX XXXX XXXX XXXX XXXX It is something wrong with this picture, My credit information has been breached under Equifax but have not make good on it, and my information is being hacked but they have not done one thing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Fidelity/XXXX XXXX closed my account without notice or communication back in XX/XX/2018. I never received anything! I called the company to try and find out why all of a sudden my card didn't work to find out my account was closed. They refused to give me any sort of explanation or further information. They " re-sent '' a letter ( that I had never received ) backdated XX/XX/XXXX on XX/XX/XXXX, again with no explanation as to why the account was closed other than " in accordance with the terms of your Cardholder Agreement ''. To the best of my knowledge I never violated any terms ; my account was always in good- standing and my card was paid in-full every month and never had an outstanding balance. Fidelity refused to re-open the account or give further information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: Ad Astra Recovery Services Inc
State: CA
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:
On or about XX/XX/XXXX, my account was already paid in full and closed. As of date XX/XX/XXXX, AD Astra Recovery Services ( XXXX XXXX XXXX XXXX ) still reporting on the 3 credit bureau my account on collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
We returned our XXXX XXXX XXXX to XXXX XXXX of XXXX XXXX XXXX, they took possession of the vehicle in XX/XX/XXXX and we obtained a new lease on the same day, XX/XX/XXXX. XXXX XXXX was our sales person, he took the keys to the XXXX XXXX and presented our keys to the XXXX XXXX XXXX that we began a new lease on. In XX/XX/XXXX we received a call from Nissan Finance followed by a letter stating that we owed them {$770.00} for rental and excess wear and tear. XXXX XXXX never communicated to Nissan Finance that they took possession of the vehicle in XX/XX/XXXX. Additionally, after taking possession of the vehicle XXXX never walked over the vehicle with us to let us know that there may be additional fees for wear and tear. By not walking around the vehicle with us and documenting any damage XXXX has prejudiced us as we had no ability to discuss the alleged damages. Also, since XXXX had possession of the vehicle from XX/XX/XXXX to XX/XX/XXXX they can not make any allegations of wear and tear against us. XXXX may have caused the alleged damages that Nissan is attempting to collect and has sent to a collections agency. 

We demand that XXXX XXXX of XXXX XXXX XXXX take care of this bill as it was due to their incompetence that a bill arose from this situation. Additionally, if there is anything against my credit, I demand that XXXX and Nissan remove any of this against my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am very worried And concerned about my home mortgage with wells fargo bank. I have been trying to work with Wells Fargo bank. On this Loan modification since XX/XX/2022 Till present to make the monthly mortgage more affordable. Currently my monthly and have been sending payments of {$2100.00} every month so far. I have submitted all the documents requested so many many times! Wells fargo bank is threatening to foreclose my home and throw my family to be homeless! The stress is overwhelming! 
I have already sent XXXX letters to President Joe Biden, Members of Congress and the Senate about the discrimination and retaliation against my family. 

EXTREMELY VERY URGENT EMERGENCY ISSUES!

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 2019-01-16
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Over 60 unauthorized debit transactions were taken out of my account between 3900 and 7000 was taken out of account causing my account to be closed and having a negative balance this was done last year the name of the bank is Wells Fargo

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 2021-04-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Got a buyer for my furniture from the XXXX XXXX. The gave me their phone number to co-ordinate the purchase ph : XXXX XXXX XXXX. The check they sent me was substantially higher than the the amount agreed on the furniture and they said their assistant made a mistake. After the check appeared to be deposited, they claimed that their movers needed the remaining payment and asked me to XXXX the movers the extra amount ( {$2000.00} ) amount so they could have the furniture picked up. As soon as I did so, their bank account was closed and the check bounced ( {$2400.00} ). Their phone number is also deactivated. 
XXXX info : name : XXXX email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX, XXXX is reporting a collection on my credit report that has been paid in full. XXXX XXXX XXXX is the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2021-06-29
Company: EQUIFAX, INC.
State: TX
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 filed complaint XXXX in which the company acknowledges mistake however they say my lates are in XXXX and they arent. The late reporting accured from XX/XX/XXXX till XXXX of XXXX in which I have 6 missed payments. XXXX also says my loan doesnt qualify for forbearance yet I've been on forbearance since XXXX of XXXX and still to this day. Equifax continues to report the 6 missed payments. XXXX states they've sent correction letter to equifax to remove all 6 lates, however equifax says they've never received such letter. In fact equifax says XXXX confirmed the 6 late payments as accurate even after theyve acknowledge their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: BARCLAYS BANK DELAWARE
State: FL
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 rewards from credit card

Complaint:
I redeemed points on XX/XX/XXXX and XX/XX/XXXX for {$100.00} gift cards ( XXXX ). These cards never arrived. I contacted XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX via message on their online account portel to inquire about these transactions. It is now XX/XX/XXXX and I still have not received these cards or given a sufficient reason why. In my view, they have stolen {$200.00} from me. 

Their reference number for this is 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 2019-01-16
Company: SYNCHRONY FINANCIAL
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit report shows an inquiry from XXXX XXXX XXXX / XXXX that I did not initiate

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 2018-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2017 my XXXX XXXX XXXX and my Capital One 360 accounts were hacked. I went into the XXXX XXXX XXXX location in XXXX, LA to discuss the fact that I had lost approximate {$60000.00} from my Capital One 360 checking account and savings accounts. I was told that they could not help me with my Capital One 360 and the only way to contact Capital One 360 was by phone or over the internet. Since my account was hacked I could not get into my XXXX XXXX XXXX/Capital One 360 accounts on line. I called many times and was left on hold for 15/30 minutes. I've talked to three people from Capital One 360. One person said my funds would be returned to my account within 2/3 days. Another person said I had cashed out the account. Another person said I had transferred this money into another account. I've been dealing with this since XXXX, 2017 and I need help in getting my money back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: MI
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:
In accordance with the Fair Credit Repprting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Check into C XX/XX/2019 inquiry

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 2019-01-16
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX is Charging me {$620.00} a month for Escrow. 
My annual property taxes is {$3400.00} My annual homeowners insurance is {$820.00} That should make my escrow about {$350.00} a month. 
they are overcharging me {$260.00} a month and I can not get them to reduce it. 
I do have a year end statement and I also have a report from my insurance company. I have called before and ask your team what to do and I have can not get Huntington to stop taking so much. 
Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied to refinance with Chase Mortgage and went through normal application procedures after we were approved, which included ordering an appraisal for our home. I reached out several times to the loan department and didnt hear back in a timely manner. So, I shopped around and found a better rate with XXXX XXXX  who offered better loan terms and lower interest. Recently, we are finishing closing our loan with XXXX XXXX, but because we didnt go with Chase they are refusing to release the appraisal report and transfer rights to the report to the lender we are working with. We paid {$500.00} for this appraisal up front.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the third complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to TransUnion, XXXX and XXXX. The complaint numbers were XXXX ( XXXX ), XXXX ( TransUnion ) and XXXX ( XXXX ). The second attempt was made on XX/XX/2020 and was also accompanied by direct bureau disputes. Those complaint numbers were XXXX ( XXXX ), XXXX ( TransUnion ) and XXXX ( XXXX ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my dispute on XX/XX/2020. This is not a delay : this is negligence on the part of TransUnion, XXXX and XXXX, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by any of the bureaus to resolve anything. There has also been data that was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. TransUnion, XXXX and XXXX must be held accountable and to the standards clearly outlined in the FCRA.

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 2021-04-28
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I talked to customer service on XX/XX/2021 to pay off my account and close my card. The card has been closed and the balance is {$0.00} after i made {$87.00}. However, Citi bank still charge me interest and adding {$35.00} late fees on XX/XX/2021 ( One day after i made the payment ) and another {$35.00} late fees on XX/XX/2021. This company is a scam. Citi bank should credit back all the in-reasonable charge to my account and bring it back to {$0.00} since i already closed my card. 

I have been working with XXXX account manager XXXX XXXX XXXXXXXX

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 2018-07-23
Company: ZARVAD III S.A.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed {$300.00} from mypaydayloan.com. I was paying {$90.00} every other week to " extend '' the loan. I did this for 14 payments which equaled {$1400.00}, but still " owed '' them {$390.00}. This {$90.00} was only to extend the loan and was not being used to pay down any of the principal. This was not disclosed when the loan was applied for. I stopped payment on the payments in XX/XX/2018. I am now being contacted by XXXX at work, at relatives saying I owe them {$1000.00} ... how in the heck can I still owe them that much. Oh ... .penalties and interest of course!! How absurd ... what a sham and a scam! I would hate to see other people who are in need of quick funds get pulled into this wicked operation!!

Company response to consumer: Closed with explanation