BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-26
Company: HW Holding, Inc
State: SD
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hunter Warfield Collections has called multiple times per day, as well as not told me what the bill was accrued from, the debt collector on XX/XX/18 yelled at me stating my student loan would be harmed from XXXX XXXX. A clear threat was made, I told them once before I can not make payments until I'm done with schooling.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
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 a loan with EDFINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and EDFINANCIAL with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XXXX / XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: Clear Recovery, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, XXXX XXXX Store delivered and set up a youth bedroom set that was damaged at the time of delivery, I attempted to get the furniture replaced by notifying the delivery driver, emailing the XXXX XXXX Logistics person, and going in-person to the local XXXX XXXX store all on XX/XX/XXXX the date of the delivery. Despite my efforts to have the furniture replace and then later my request to have a full refund, XXXX XXXX Store was non-responsive. I disputed the charges via Visa and they returned my money after an investigation which XXXX XXXX challenged and lost. I even paid to have an independent furniture person come and assess the damage and provide a write up of their assessment on XX/XX/XXXX. I believe the original amount was {$2100.00}. Then later on XX/XX/XXXX, XXXX XXXX Store refunded me {$600.00} ( $ XXXX {$58.00} ) and released me from liability for the dresser. I have included all of my attempts to resolve this matter unsuccessfully with XXXX XXXX Store.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this with the credit agency that just informed me this was added on my credit file, this is an unknown debt which I believe is inaccurate, requesting full validation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
SOMEONW STOLE MY INFORMATION AND OPENED THE FOLLOWING ACCOUNTS IN MY NAME, THEY EVEN WENT SO FAR TO PAY ON THE ACCOUNTS UNTIL I REPORTED IT TO THE FTC AND THE XXXX POLICE REPORTS. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED : XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX  OPENED XX/XX/XXXX XXXX XXXX XXXX, XXXX OPENED XX/XX/XXXX XXXX XXXX  OPENED XX/XX/XXXX US DEPARTMENT OF EDUCATION OPENED XX/XX/XXXX US DEPARTMENT OF EDUCATION OPENED 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 explanation
Consumer complaint received 2019-01-10
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Medical care should have been covered by state provided medical insurance at the time. XXXX Hospital has also been involved recently in a settlement for a class action suit which I have received notification which may include this billing cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've reached out previously about inaccuracies on my consumer report. I am completely stressed and XXXX XXXX because of it. I havent been able to work and have lost weight and my hair is falling out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a tax refund check for {$4300.00} from the US Treasury. I deposited it in my Bank of America checking account through a local Bank of America ATM. When I view my account online, it correctly shows that the deposit was made on XX/XX/XXXX ( 2019 ). Today is XX/XX/XXXX. It states that the funds ( the full {$4300.00} ) will not be available until XX/XX/XXXX. 
I am dismayed at this delay. This is a US government check which should be reliable, and it is not for a large amount. There is nothing unusual about the check or the transaction or my account ( which I've had for many years ). Even with the intervening XXXX XXXX holiday on XX/XX/XXXX, this delay in the availability of my money seems highly unreasonable. And it is a far longer delay than described in general terms on the CFPB website. I assume Bank of America does this routinely to customers, getting " free '' use of customers ' money with an unnecessarily long float time. What can be done?

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 2020-08-20
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/20 I received an alert from Experian that my score dropped 23 points. When I viewed my report for detail, absolutely nothing had changed from the last report. I called to receive clarification on why my score would drop 23 points when there are NO changes to my credit report and the CSR explained they could not provide specifics for the decline in score. She could only provide a general explanation of negative accounts Also, collection accounts traditionally have less impact on your credit score over time. Collection companies know this so they employ little tactics to fraudulently decrease a consumer 's score. There are two collection accounts on my report where the companies are repeatedly " updating '' the Balance Owed or other categories although all info remains the same. These updates decrease my score each time as if it is new information. 

I spent 50 minutes on hold after receiving notification of a score decrease and the representative ( XXXX ) could not explain the reason for the decline. She initially stated it was because I opened a dispute ... which disputing information should never lower a consumer 's score. I then informed her the dispute was filed AFTER the decrease. She had no answers and stated my current report was unavailable and I would have to call back in a few hours.

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 2018-10-31
Company: Financial Solution Providers LLC
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Financial Solution Providers responded to my 1st Complaint by saying they removed my file from their calling record but Ive received two calls afterwards and one where I have the voicemail still. 

Previously as well FSP contacted my place of Employment and disclosed everything I allegedly said to a Representative on the phone prior ( whom Id asked multiple times before to quit calling me & my place of Employment ) Im aware the State of Florida is beyond lenient on holding Telemarkters/Debit Collecters accountable for their actions and its very unfortunate. 


A Representative misrepresented himself by pretending to be someone else with a different name. Id like to know how thats acceptable? 

Another Representative misrepresented themselves as a XXXX Sherriifs Deputy to me. Id like to know how thats acceptable behavior? 

This Business Commits Many FDCPA Violations.

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 2018-10-31
Company: Experian Information Solutions Inc.
State: OH
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:
There is a bankruptcy on my credit that i never went filed. my ex-husband filed I would like the bankruptcy removed from 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 2020-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX  are reporting accounts that have been sold and inaccurate information and misleading that make accounts look like they are active when they are not .I feel like they are not investigating like they should. I get my results back as updated and nothing changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Resurgent Capital Services L.P.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have viewed my credit report and see that A company by the name of LVNV FUNDING is reporting on my reports A debt owed to A company by the name of XXXX  XXXX. I have never ha any sort of account with XXXX   XXXX nor LVNV funding. I have reached out to both companies sending written letters advising them of this error reporting on my report. I also asked for proof that I owed this debt as I am 100 % sure I have never done business with either company. To dat I have not recieved A response from either company yet this incorrect information is still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I Put In A {$2000.00} Into My Account And After I Deposited The Check Chase Closed My Account Because They Say They Couldnt Verify The Check Which Was Bull XXXX The Check Was Verified And I Still Havent Received My Funds From The Account Or Received A Check From Chase I Have Bills To Pay And Kids To Care For If I Knew They Were Full Of It I Wouldve Never Put The Check Into My Account I Just Want My Money Thats It I Dont See Why They Holding My Funds Its XX/XX/2020 I Put The Check Into The Account On XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have filed a claim for a fraudulent transaction to US Bank in the amount of {$520.00}, which occurred on XX/XX/2018. US Bank has denied my claim stating that they have sent a text message to my cell phone to confirm the transaction from XXXX XXXX XXXX on XX/XX/2018. 
1. The transaction did not occur on XX/XX/2018 so it was not possible for the bank to text me in regards to this transaction as the transaction occurred on XX/XX/2018 2. I have contacted my mobile phone provider with all incoming text messages on these dates and their documentation shows that no text messages have been received on XX/XX/2018 from XXXX XXXX XXXX XXXX 3. US Bank has denied me to provide this proof from the mobile company and to review the case

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 2019-05-23
Company: EQUIFAX, INC.
State: NY
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:
I had inquired about a camper from XXXX XXXX of XXXX. I gave them permission to pull my credit. I was unaware and did NOT authorize them to send out credit pulls to the follow banks ; XXXX XXXX  XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX XXXX XXXX on XX/XX/XXXX. I now have all of these hard pulls against my credit that I did not authorize!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: TCF NATIONAL BANK
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
As of XX/XX/XXXX, my car loan with XXXX XXXX XXXX   XXXX XXXX has been paid in full. I requested a copy of my title, from the XXXX XXXX XXXX XXXX XXXX Title Department, and although they have the correct address on file, and I have been receiving correspondence from them at the correct address for nearly 3 years, they have the incorrect address on file. When I asked them to update it in the system so that : ( 1 ) The title can go to the correct address.

( 2 ) You already have the correct information in your system, and have been sending correspondence to the correct address for nearly 3 years. 
The customer service representative repeatedly made excuses, and tried to send me to other departments to resolve the address change issue. I had already reached out to XXXX XXXX XXXX 's customer service, multiple times over the course of days and all of the customer service representatives prompted me to reach out to the Title Department. The XXXX XXXX XXXX Title Department representative continued to be combative, argumentative, and rude and downright refused to make the change. When I also refused to continue to be sent to another department, she again changed her story and said the DMV would have to change the address, then she changed her story and said although the address on the title is incorrect, XXXX XXXX will indeed provide the title to the current address when it is sent out on XX/XX/XXXX. I asked her to provide that information in writing so I can notify my car insurance & attorney and she also refused. She then created yet ANOTHER story saying " The DMV will have to update it ''. Well the DMV has had the correct address on file for the past 2 1/2 years with no problem so why is it not reflecting on the title? She then placed me on hold claiming to have talked to her supervisor and " there is nothing they can do ''. If I did not pay for my loan, there would be something you can do? If I missed a payment, there is something you can do. Why not now that the loan is paid in full? I did my part. I paid my car loan in full, and all that I am asking is for them to update the address on file, just as I did nearly 3 years ago. With the XXXX XXXX Title Department 's office hours differing from that of customer service, and their refusal to do anything to help customers, it is certainly no surprise I am having to deal with this. It is unnecessary and a horrible display of customer care.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
LVNV Funding has been report information on my credit reports ; I never signed a contract with this company or gave written permission to have my personal and private information. Due to this company reporting this information and contacting me they have violated my federally protected consumer rights. The CRA has allowed this information on my credit report and it is damaging my reputation ( credit profile ). My federally protected consumer rights have been violated and this has caused major stress to myself and my family. Because this information is being reported it has harmed me financially and denies me access to homes and funding for my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
It appears that a bank officer with wells fargo has assisted to strengthen the position of one person over another on a commercial account involving my LLC. I am in a 50 % ownership position with another shareholder of whom I am currently in conflict with. The other partner used her contact with an internal officer of the bank to have me removed from our commercial account. The intent appears to be to allow the other shareholder to take a stronger position and to fraudulently remove the need to have 2 signatures on the account in order to cash a large check made out to our LLC. concerning the sale of real property owned by our LLC. 

The additional intent was clearly so that I could not perform checks and balances on the commercial LLC accounting of funds being used. It has since come to my attention that there might be a co-conspiracy to assist the other partner allowing them to cash a check normally requiring 2 signatures and positioning her intentionally to avoid my signature requirement to gain 100 % access to the funds. 

Wells fargo has removed me as a Signator to insure that I can not access bank statements on my account to see what is happening with my account. I was told by one internal Wells Fargo employee that this appeared to be criminal. 

It also came to my attention that another account was created with a separate institution where transfers were being made from the Wells Fargo account to another financial institution which appears to be another hiding place for funds from the LLC This has handicapped my business role within the LLC. Wells Fargo should not be allowed to interfere with my access to an account that I hold a 50 % ownership in. Bank policies appear to be based on personal relationship more than legal access.

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 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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