BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-04
Company: TRANSWORLD SYSTEMS INC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Consumer Financial Protection Bureau CFPB Consumer Help XXXX XXXX XXXX XXXX  XXXX, IA XXXX XXXX XXXX XXXX XX/XX/2020 Subject : Billing Harassment by XXXX Dear Sir/Madam, I XXXX  an envelope from the XXXX , MA XXXX store ( XXXX XXXX XXXX, XXXX, MA XXXX, ( XXXX ) XXXX, Invoice number XXXX, Tracking ID : XXXX XXXX XXXX XXXX XXXX Envelope ) to XXXX XXXX, XXXX on XX/XX/2020. XXXX charged me {$75.00} ( please see receipt and credit card statement ). It contained a rubberband bracelet that my XXXX year old daughter had made for her grandparents and a family photograph. However, upon arrival in XXXX XXXX I was told that the envelope could not be delivered because the Commercial Invoice was missing. This is XXXX fault and not mine. After much effort and extensive, but futile, communication with the XXXX folks in XXXX XXXX, I gave up. I told them ( via email ) to keep the envelope. I was very disappointed in XXXX and my daughter was upset that her grandparents did not receive their gift. 

The next thing I know is that XXXX has the audacity to send me another invoice for {$75.00} ( Invoice number XXXX ). Despite contacts with XXXX by email, XXXX, phone, XXXX has not resolved the matter and has escalated the harassment by recruiting a Collection agency to collect {$75.00} ( Total charge {$85.00} ) from me. 

At this point, I sent the Collection agency ( Transworld Systems XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, File # XXXX, XXXX XXXX, Invoice number XXXX XXXX XXXX ) a notice to stop and a copy of the receipt for {$75.00}. 

As a consumer, I want to know how I can stop XXXX from harassing me with these collection notices. Additionally, I want a refund for {$75.00} since XXXX lost the commercial invoice. 
This whole process has been very stressfull and I would like to know my rights and how I can make a big corporation like XXXX more responsible for its actions I will mail you this letter and receipts. 

Thank you very much, Name and address withheld

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: Cheadle Law Firm
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Cheadle Law Firm in XXXX, TN is suing me for XXXX XXXX XXXX as the original creditor. This law firm sued me well before the 30 days their letter said they would give me by law. They broke the law and the Fair Credit Reporting Act. 

In UNDER 30 days, I already had a summons to appear in court. 

I have contacted other agencies as well but these people are highly unethical in their dealings as a business and law firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
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: Account information incorrect

Complaint:
XXXX has inaccurately reported late pays in my credit report while my status was in deferment. They fraudulently reported 3 late pays on my credit report while I was enrolled in school at the time and my loan status was in deferment. I have reached out to XXXX by phone and by mail in order to resolve this issue. I even mailed in a goodwill letter asking them to forgive the late pays although it was inaccurately reported to begin with.

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: EQUIFAX, INC.
State: TN
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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: Experian Information Solutions Inc.
State: PA
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:
Experian Report # XXXX XX/XX/18 Personal Information : does not list my current 2 employments as stated before. I have attach proof

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 2021-02-21
Company: EQUIFAX, INC.
State: IL
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 received a notification in my email that XX/XX/XXXX completed their investigation into my dispute of the following accounts File XXXX XX/XX/XXXX - XXXX, XXXX XXXX - XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX, XXXX XXXX - XXXX XXXX XXXX XXXX ) ; I have faxed this information and sent certified mail to both Equifax and XX/XX/XXXXin regard to these same accounts. I demand that XX/XX/XXXX and Equifax remove these items immediately. I have been advised by my attorney to file a complaint here prior to proceeding with a lawsuit. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
My account was sold to collections which I have already paid off and they have already removed their self off my credit report this account only appears on one of my credit reports even thou it was sold off reports inaccurate information on my credit profile

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 2021-08-21
Company: EQUIFAX, INC.
State: AR
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:
THE XXXX XXXX  ACCOUNT WAS XXXX IN XXXX XXXX BK ON XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: EQUIFAX, 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:
Around X/X/17 I called XXXX about my Bankruptcy is not reporting correctly as dismissed and not discharged. I asked for a verification based on FCRA and information as to who, date of person call was made to do I could re verify this information as accurate. They have failed to complete requested dispute and verified information as requested within a 30 day time frame. They responded stating information on the Bankruptcy has been updated but it still show as discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
I previously requested to dispute a bankruptcy that was reporting on my XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXCredit reports! I contacted each of them individually to dispute the errors and requested that the entire public record be deleted from my profile. None of the company 's contacted me directed with the results within 30 days. I later learned requested a copy of my LexisNexis consumer profile only to learn that they were the one 's who misreported the public record. LexisNexis was the furnisher of this item and has since deleted it from my profile. The letter that LexisNexis submitted to the CFPB showed and confirmed that they deleted the bankruptcy item in XX/XX/2020. LexisNexis failed to advise and notify the credit bureaus of their deletion so the creditors continues to report the bankruptcy in error. The credit bureaus also never verified the public record as being a valid item. I am requesting that everyone DELETES THE INCORRECTLY REPORTING PUBLIC RECORD EFFECTIVE IMMEDITATELY! I have attached a letter from LexisNexis confirming deletion! I have also contacted emailed Pacer to find out what information they have in their systems and they too confirmed that they are not reporting any type of information for me to any credit agencies or 3rd party consumer agencies. DELETE THE PUBLIC EFFECTIVE IMMEDIATELY! You have already exceeded the original 45 calendar and business days allotted via the FCRA guidelines for verification and investigation of this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My account has been limited since XX/XX/2017 and I have not had the ability to withdraw the {$24000.00} that is remaining in the account.

My account has had XXXX  credit card chargebacks at any time and I have XXXX open disputes and claims. There is no justification for holding {$24000.00} since XX/XX/2017.

I am respectfully requested that the hold on my funds/account be lifted. I am not necessarily requesting that my account be re-opened or allowed to continue to use the PayPal service.

I received the response that is coming from Pay-Pal. Their notion of, and hiding behind PayPal 's user agreement ( " User Agreement '' ) Is considered even in our courts as " STATUS QUO '' and they know that, no person as we all know are reading any of that with any company, if yes nobody will ever finish and nobody will ever sleep since every minute we go from one site to another to buy merchandise. They ( Pay-Pal ) are such a high sophisticated company, they had their choice at the time of the transaction, like any other company, to deny the transaction ... I see they have such a detailed history, letting the transaction go through and than keep the consumers money for no good reason, just to have free money, that not only they don't pay interest on it, nor do they pay TAX on it, and the financial burden people have to suffer is hard to describe in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I became XXXX in XX/XX/XXXX they Ocwen should have given me a forbearance. They refused. And my wife passed in XX/XX/XXXX which a clause in the loan had mortgage insurance for payoff and they denied it.

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 2018-07-07
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Santander Consumer USA does not provide refinancing for existing customers for car loans. They do however refinance for new customers. The existing customers have to be tricked to go to a dealership to refinance, but the dealership stated it is not possible with the prime loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I called Capital One to see why my applications were getting denied. They couldn't figure it out either. So they found a rogue credit card being used on my account or name. But I told them that couldn't be because I no longer have an account with them I have been locked up since XXXX. So there is no way that could have happened. They keep insisting that it was an account I had. I was definitely a victim of Fraud, I have trying figure this out since I got out of prison. I got out of prison XX/XX/XXXX. This card was open before my release date so obviously I did not make this happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received an email offer from US Bank that if a checking account was opened before XX/XX/2018 I would receive {$200.00}. I did all the required direct deposits and they are not honoring the offer. They're claiming the offer code was not entered. I opened the account from the email and there was not an area to enter an offer code. This is deceptive and dishonest of them. I still have the email.

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 2020-02-26
Company: AES/PHEAA
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am a public service employee who has been making continual payments for well over 10 years. I have been on the appropriate income based payment plan that entire time. FedLoan Servicing informed me last year that many of my payments didn't count, because I didn't make the exact payment each month. Example, my bill was {$300.00}, I paid {$400.00}, so the next bill that came via USPS was for {$200.00}. It stated that I owed {$200.00} for that month. I paid the {$200.00}. It didn't count as a full payment and I wasn't informed until I attempted to certify my employment. I understand rigid policy. The problem is that all it took to fix it was for a customer service rep to click a button making the pre-paid extra actually be accepted as prepayment of the next month. FedLoan chose to set the default as a way to guarantee that borrowers take longer to pay off or have the loan forgiven. This is a scam that is certainly affecting thousands of borrowers who are acting in good faith only to find out that the choice of a clicking a box by a customer service rep may have cost them years of additional payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: U.S. BANCORP
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
We are a 100 % XXXX  owned XXXX XXXX. We had to wait until other XXXX businesses got a loan due to us having a account with us bank. When it was time to apply we were told we would receive a response within 3 days and did not. When we did we got another response that said 10 days. It has now been 14 days and we still have not received a reply from us bank.

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 2021-01-20
Company: BARCLAYS BANK DELAWARE
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: Card was charged for something you did not purchase with the card

Complaint:
Barclays Bank XXXX XXXX Credit Card called me on XXXX, XXXX around noon to verify a transaction happening at XXXX XXXX. I told Barclays Credit card Caller that I am at my office. I am not at XXXX. she asked me, do you have Barclays Card with you? I replied to her, NO. I don't have this card with me. it must be at home as per my knowledge. She put transactions at XXXX as fraudulent and closed credit card as lost as stolen. 

I tried to talked with Barclays Credit card investigation at XXXX XXXX XXXX and she asked to fax her which I faxed on XX/XX/XXXX. they received and Barclays didn't replied. I faxed again on XX/XX/XXXX with Police report and called Barclays and they admitted, they received my faxes and it will take 7 to 10 days and some manager will call me. so far I called over 10 times within 15 days and talked with XXXX, Employee ID, XXXX, than XXXX, ID # XXXX and she transfer to her manager, XXXX, ID, XXXX and XXXX, ID # XXXX  and XXXX, ID # XXXX of Barkleys credit card. nothing is resolving as of XX/XX/XXXX I have very good credit history and a very responsible citizen. this Barclays is trying to Destroy my credit history. I am not able to pay this fraudulent charges of {$420.00}. 


therefore, please help me and put a very heavy fine to this Bank.

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 2021-02-21
Company: EQUIFAX, INC.
State: IL
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 received a notification in my email that XXXX completed their investigation into my dispute of the following accounts File XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX - XXXX XXXX XXXXXXXX  XXXX - XXXX XXXX ; I have faxed this information and sent certified mail to both Equifax and XXXX in regard to these same accounts. I demand that XXXX and Equifax remove these items immediately. I have been advised by my attorney to file a complaint here prior to proceeding with a lawsuit. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: Diversified Consultants, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have respectively contacted XXXX and the collection agency over and over again about an account that I have not opened. I have never had XXXX. Therefore this account shouldn't be on my report. They sold this account to Diversified Consultants and they are claiming that this is my account. I have asked XXXX to also send me proof of any contracts that I have signed or anything that they may have that could verify that it was me that opened this account. As of XX/XX/2018 I have not gotten any paperwork or anything else stating that I opened this account. I want this account removed from my report. They know it's not mines this is why its only on one report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-08
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was advised by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, that there was suspicious activity on an XXXX XXXX XXXX MasterCard opened in my name. The account was opened fraudulently on or about XX/XX/2018 in XXXX XXXX, FL, probably in an XXXX XXXX store. 
I called XXXX immediately XX/XX/2018, on receiving their letter and spoke to XXXX ( ID # XXXX ) in their Account Protections department. He agreed to terminate the card and set aside the {$490.00} charges made on the account. He said he would send me a " Statement of Fraud Forgery '' affidavit form to complete and return. Not received as yet. 
I filed an Identity Theft Report, number XXXX. 
I filed a report with the local police I placed a 90 day Fraud Alert with credit bureaus on XX/XX/XXXX I mailed a " Disputed Account - Notice to Furnisher '' letter to XXXX on XX/XX/XXXX. 
I filed a dispute request with XXXX  on XX/XX/XXXX. Only Credit Bureau showing account so far.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving frequent calls on my job from Capital One and I have ask them politely not to call my job because I can get in trouble but they continue to repeatedly harass me. They have my personal number they can leave message on my phone but do not call my job it interferes with my work.

Company response to consumer: Closed with non-monetary relief