BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-09
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been in communication with FCO. They are very uncooperative and make things very confusing, on purpose. We had make an arrangement for a debt to be settled as in full. Payment was made and cleared. Now they will just report as a settlement and not in full as they stated in their email.

This company is very unethical and uses words to confuse the average consumer. I am very unhappy with their sneaky ways.

The payment was made from two accounts on XX/XX/XXXX and cleared both accounts on XX/XX/XXXX. Attached is the communication between FCO and myself.

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 2018-02-14
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have contacted the corresponding court and they have admitted in writing that they do not furnish the credit agencies any information. 

I have reached out to XXXX and XXXX has suppressed any information to any alleged public record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was in XXXX on XX/XX/XXXX while at XXXX XXXX when I logged into public wifi to download an app for Music for the ride home. While driving back I received an email from what I thought was XXXX that stated the XXXX subscription was for a full year and it was going to charge my account. When i called the number provide the representative provide XXXX Id and Budge information as if they where really from XXXX, and advised that my apple ID has been compromised. This is when my account was access and XXXX was withdrawn on XX/XX/XXXX twice and another XXXX was withdrawn on XX/XX/XXXX from my chase bank account through XXXX, when filing the claim through chase they advised this was a scam. They told me to contact XXXX. XXXX ' only provided an automated system that pointed me back to chase bank and they were closing the claim and not refunding my money nor were stopping any fees attached to my account. Now I am getting phone calls four to five times a day about my account being over drawn when I am the victim. My fraud protection isn't protecting me from this at all. and Now I am worry about my Identity being taken as i don't know what else these people where able to gain access to. I have filed a police report and this activity is under criminals investigation and chase still will not open the claim and refund my money and remove the fees for the overdrafts. the police report intake form can be attached. I have talked to several in person branch and online over the phone managers and supervisors who give me the same generic answer of they will not reopen the claim. No one will help me and I don't know what else to do but this is placing serious deep anxiety on me and I hope to hear from some one soon. I have name and date of the supervisors i spoke with and the detectives information also.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-19
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have a late payment showing on my credit report that doesn't below to me. XXXX XXXX authorized User account. This is a closed account that I am not financially responsible for please remove the negative item immediately. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX please remove the late payment from my credit report. I am no longer on that account!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01
Company: EQUIFAX, INC.
State: FL
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. The information below, which appears on my credit report does not relate to any transactions that I shave made. It is the result of identity theft. 

1. Us Dept of Education in the amount of {$1900.00} 2. Us Dept of Education in the amount of {$8900.00} 3. Us Dept of Education in the amount of {$4300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
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: Personal information incorrect

Complaint:
See attached documents. Remove this personal information that does not belong to me.

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 2019-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I HAVE TRIED DISPUTING THIS ACCOUNT ON SEVERAL OCCASIONS WITH THE CREDIT BUREAUS AND WITH CAPITAL ONE AUTO FINANCE. I HAVE BEEN A VICTIM OF IDENTITY THEFT THREE TIMES. THIS ACCOUNT IS FRAUDULENT AND WAS OPENED WITHOUT MY AUTHORIZATION. I AM FRUSTRATED AND TIRED OF DISPUTING THIS ACCOUNT BECAUSE IT HAS BEEN HINDERING ME FROM MOVING FORWARD WITH OTHER FINANCIAL OBLIGATIONS. THIS ACCOUNT IS REPORTING NEGATIVELY AND KEEPING MY CREDIT SCORES DOWN.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
In XXXX, I was devastated by hurricane Irma. We spent XXXX days sleeping with our XXXX children in our car before FEMA could step in and find us a hotel. Everything in our trailer was destroyed. FEMA couldn't help us with the trailer. As a school teacher, I'm not afraid of hard work, but no one could work. I called my mortgage company and Capital one car loan. They granted me a two month reprieve. However, I couldn't catch up. I really tried. I worked extra seasonal jobs at XXXX. I was sleeping for four hours and working 20. Recently, I came to the realization that if I don't slow down, I'm going to die. I began to get migraines and numbness. An XXXX show that I need to be concerned about my health. I talked to my husband, prayed, and saw that the best option was to voluntarily surrender the car. I called Captial one on XXXX explaining that I wanted to surrender the car. The agent told me someone would call me to make arrangements. No one called. I called back on XX/XX/16 explaining that I removed the insurance on the car and I'm worried that someone will steal the car to please come and get it. The person on the line told me that my number was on the don't call list and unless I rescind that I would have to wait for the car to be repossessed. I am trying to mitigate my lost and capital 1 is trying to drag out the process to make me pay more at the end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-01
Company: DISCOVER BANK
State: CO
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:
Discover Credit Card Company has been charging me a " Discover Payment Protection '' fee service in which I never authorized for or was aware of. I did call them and they cancelled it moving forward and I disputed the previous charges, in which they said they can only refund the past 6 months as a " courtesy '' and " do their best to make me aware '' of the service. I am not really sure what that means since I didn't know it existed and don't have any communication of it. I feel like I was robbed as I would never authorize to pay such an amount every month without opting for it, and I am not even sure how it was included or what the service actually is. 

Here are the itemized amounts I paid and did not authorize since XXXX.This does not include the additional interest on the balance that I certainly would have been charged as well. 

Grand Total - {$2400.00} XX/XX/XXXX - {$77.00} XX/XX/XXXX - {$77.00} XX/XX/XXXX - {$79.00} XX/XX/XXXX - {$79.00} XX/XX/XXXX - {$79.00} XX/XX/XXXX - {$79.00} XX/XX/XXXX - {$78.00} XX/XX/XXXX - {$80.00} XX/XX/XXXX - {$78.00} XX/XX/XXXX - {$77.00} XX/XX/XXXX - {$74.00} XX/XX/XXXX - {$75.00} XX/XX/XXXX - {$73.00} XX/XX/XXXX - {$70.00} XX/XX/XXXX - {$70.00} XX/XX/XXXX - {$69.00} XX/XX/XXXX - {$64.00} XX/XX/XXXX - {$64.00} XX/XX/XXXX - {$64.00} XX/XX/XXXX - {$64.00} XX/XX/XXXX - {$64.00} XX/XX/XXXX - {$63.00} XX/XX/XXXX - {$60.00} XX/XX/XXXX - {$63.00} XX/XX/XXXX - {$59.00} XX/XX/XXXX - {$52.00} XX/XX/XXXX - {$52.00} XX/XX/XXXX - {$52.00} XX/XX/XXXX - {$51.00} XX/XX/XXXX - {$51.00} XX/XX/XXXX - {$42.00} XX/XX/XXXX - {$40.00} XX/XX/XXXX - {$40.00} XX/XX/XXXX - {$40.00} XX/XX/XXXX - {$32.00} XX/XX/XXXX - {$29.00} XX/XX/XXXX - {$29.00} XX/XX/XXXX - {$21.00} XX/XX/XXXX - {$28.00} XXXX XXXX {$28.00} XX/XX/XXXX - {$20.00} XX/XX/XXXX - {$14.00} XX/XX/XXXX - {$11.00} XX/XX/XXXX - {$12.00} XX/XX/XXXX - {$2.00} XX/XX/XXXX - {$1.00} XXXX XXXX {$1.00} XX/XX/XXXX - {$2.00} XX/XX/XXXX - {$2.00} I have been loyal and been making my regular payments since XXXX when I became a customer. It makes me sad that this has been done to me. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I want to start off by saying Ive been on time with all my payments since I got this loan back in XXXX with advance financial, a loan of {$1000.00} dollars to move into my new home. To start off they never told me about these very high fees I never had a problem with paying the loan on how they explained it to me on top of that they did not tell me every month fees would be different which I did call about early back in XXXX and they said they couldnt do nothing about that! That was a mistake a sales associate made ok fine no problem ... like I said before Ive never had problems paying twice a month the {$100.00} each due on dates 15th and the 30th on top of that Ive been on time every single time and Ive always payed $ XXXX {$50.00} dollars to beat some of the interest fees but what I find very unacceptable is that Ive been paying on top and still no change they are telling me that in 6 months my account has only went down to {$720.00} dollars when my loan was only {$1000.00} is kinda ridiculous! In 6 months Ive paid {$1000.00} and a lil over that i still didnt mind paying if it was at least going down but only {$200.00} dollars down is just a scam! So I called in today to get on and arrangement plan because Im going through some patches in my life, mind you Ive always been on time never had an issue on my end. And she told me they could only hold 15 days and that would make my account balance go back to {$900.00}, I called today XX/XX/2021 first payment missed XX/XX/2021 ... I just think this loan was such a lie and they down so bad on there end to help me out I even offered to pay {$400.00} today and if they can hold the account Ill pay the rest in a week or so but that would put my account back to XXXX $ so I would be throwing all my money away and I dont find this fair not one bit! Im wanting some help and nothing so thats why Im doing this complain to see if there something out of ADVANCE FINANCIAL I can do because its ridiculous how they see people PAY ON TIME and paying more then expected but only {$200.00} off of a {$1000.00} dollar loan I got in XXXX and been paying at least $ XXXX {$300.00} every month is a scam its ridiculous and Im not trying to mess my life or credit over something that is out of my control and its a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Minto Financial dba Minto Money
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
How are you? I made a loan of {$1300.00} and I was paying on time, just as they told me, every Friday an installment of {$120.00} and I had advanced XXXX installments, which is a total of {$2000.00}, and I am surprised to check my account statement, which I still have to pay. pay for having lent me {$1300.00} this amount. 
The outstanding balance owed for your loan is {$5800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
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: Information belongs to someone else

Complaint:
I have a address showing on my credit report that doesn't belong to me.. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX please remove the XXXX XXXX XXXX XXXX my credit report. I am never lived there.

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 2021-02-11
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/XX/21 I received an email from Ace Cash Express. They say I owe money, Ive never heard of them before. They threaten me with a law suit and to go to my employer, unless I send them money today!! 
I told them via email that I need to see a validation of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
These accounts are fraudulent : XXXX XXXX {$190.00} XXXX XXXX XXXX   {$1500.00} XXXX XXXX XXXX {$3100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 2018-03-19
Company: Jim Bottin Enterprises, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I am writing to file a complaint about XXXX XXXX and XXXX XXXX because they are knowingly charging me for two accounts and I only have one which should have been cancelled in XX/XX/XXXX.  And, they are leaving me 2-3 voicemails a day saying that my account is past due {$45.00}. XXXX refuses to waive the supposed late fee and wants me to pay an additional {$45.00} in addition to be double charged. Likewise, they will not cancel the open account until I pay that. In the meantime, they have charged me over {$200.00}. 

I have called XXXX and XXXX XXXX XXXX and they have not taken any action to resolve the issue. XXXX said I made an error by signing up online and in the gym, but their employee to pay online. So they say this is my fault not theirs. I obviously do not agree. The deposit which you can see on my account was {$1.00} and then I paid online as instructed. It is also nonsensical to have two gym memberships for one person. Therefore, they are knowingly participating in fraud. XXXX XXXX promised 3 times merge the account, correct the billing, and send a refund. And, they debited my checking account again today XX/XX/XXXX and continue to call me and ask for {$45.00}. 

I am asking for the return of funds of {$130.00} for duplicate dues and charges and for them to stop debiting my account.. Here is the accounting for the duplicate charges. 

Transaction History Institution : XXXX XXXX XXXX XXXX | Switch Account | Print Actions Description / Notes Date / Age Flags Category Merchant Amount Account / Number ACH Deposit XXXX XXXX XXXX - ACH Trace XXXX - DATA : XXXX CO : XXXX XXXX XXXX - TYPE : CLUB FEES ID : XXXX XX/XX/XXXX today XXXX {$24.00} STANDARD XXXX ... 
XXXX ACH Withdrawal XXXX XXXX XXXX - ACH Trace XXXX - DATA : XXXX CO : XXXX XXXX XXXX - TYPE : CLUB FEES ID : XXXX XX/XX/XXXX 19 days ago XXXX ( {$24.00} ) STANDARD XXXX ... 
XXXX ACH Withdrawal XXXX XXXX XXXX - ACH Trace XXXX - DATA : XXXX CO : XXXX XXXX XXXX - TYPE : CLUB FEES ID : XXXX XX/XX/XXXX 47 days ago XXXX ( {$64.00} ) STANDARD XXXX ... 
XXXX Bill Pay Withdrawal # XXXX XXXX XXXX XXXX AZ XX/XX/XXXX 60 days ago XXXX ( {$19.00} ) STANDARD XXXX ... 
XXXX XXXX XXXX XXXX XXXX XXXX AZ - Date XX/XX/XXXX XXXX XXXX - Card Withdrawal XX/XX/XXXX 76 days ago XXXX ( {$1.00} ) STANDARD XXXX ... 
XXXX Bill Pay Withdrawal # XXXX XXXXXXXX XXXX XXXX AZ XX/XX/XXXX 87 days ago XXXX ( {$84.00} ) STANDARD XXXX ... 
XXXX XXXX XXXX XXXX XXXX XXXX AZ - Date XX/XX/XXXX XXXX XXXX - Card Withdrawal XX/XX/XXXX 104 days ago XXXX ( {$1.00} ) STANDARD XXXX ... 
XXXX XXXX XXXX XXXX XXXX XXXX AZ - Date XX/XX/XXXX XXXX XXXX - Card Withdrawal XX/XX/XXXX 104 days ago XXXX ( {$4.00} ) STANDARD XXXX ... 
XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I have had this account with XXXX XXXX XXXX XXXX card since on or about XX/XX/XXXX. ( I had the card before this date but XXXX XXXX bought out XXXX ) I have never been late, never carried a balance, never had any problem until XX/XX/XXXX when I tried to access may account on line like I always have about once a week to make sure no one is trying to use may account. When I tried to log in to my account on, or about XX/XX/XXXX I received a message that I  could n't check my account on line until I gave them some some personal information, like my social security number ( which they already have ) bank account number, and other personal information that I do n't consider any of their business. ( I will attach some of their requests if possible ) I have not requested an increase in my credit line, or any other requests.I would have discontinued the account but I was afraid it might hurt my credit score, my line of credit on that account is about {$9000.00}, I have a score of XXXX on my last report, this month of XX/XX/XXXX. I  feel they are trying to force me to submit information I do n't want to give.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
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: Information belongs to someone else

Complaint:
THE DATA BREACH WITH EQUIFAX CAUSED SOME ITEMS TO SHOW UP ON MY CREDIT REPORT SLOWING TAKING IN THE REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Me and my mom bought this house in XXXX. And we got loan from XXXX with adjustable rate. It went go up to 8 % and never go down. 
Then we had business hardship in XXXX and tried fix rate modification but it denied and short sale failed, too. 
One of agency ( XXXX ) help me to prevent foreclosure and i paid every month. 
Three years later i notified i was involved as victim in mortgage fraud when i got a phone call from detective in fraud and cyber crimes. 
Now i tried modification and paid 3monthes trial payment on time to wells fargo but it denied cuz of cloud on title ( slender title ). 
There is 10 people and only one person I know and she was staff of agency. There is no my mom and my name on deed anymore .... 
I WOKE UP IN THE MRN AND I FOUND NOTICE of trustee 's sale ATTACHED MT FRONT DOOR last friday on XX/XX/XXXX. 
Foreclosure sales date is shown on XX/XX/XXXX. 
i am totally lost and i do not know how i can my title back and get modification with principal reduction. 
My house condition as not as much worth than market price as price ... .. 

plz help me how can i do ... ..

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 2022-08-06
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
I noticed my XXXX XXXX, XXXX WAS REMOVED FROM MY CREDIT REPORT AND HAS DROPED MY UTLIZATION SEEMS TO BE ON PUERPOSE BECUSES I NEVER CLOSED THIS ACCOUNT AND ITS IN GOOD STATDNING. 

MY XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX LAST XXXX XXXX ADRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX NC XXXX

Company response to consumer: Closed with explanation