BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-19
Company: U.S. BANCORP
State: WA
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:
I was charged twice for a particular product at {$95.00} in which I did not authorize. The duplicate charge was a grand total of {$190.00}. Through an ad in XXXX in XX/XX/2019, I paid {$4.00} to XXXX XXXX in regards to a trial run for XXXX XXXX purposes. There was no indication in the trial offer that I would eventually be charged a subsequent amount of {$95.00}. This was a trial run only at {$4.00} with no other indication of additional costs. Approximately 3 months later on XX/XX/2019, a charge of {$95.00} hit my bank account. I then immediately called XXXX XXXX to inquire why was I being charged this amount when it was clearly indicated that the initial cost was a trial run cost only at {$4.00}. Their explanation to me was the first payment of {$4.00} was the cost of shipping only, whereas the actual cost of the product was waived to a later date. This explanation and scenario was not indicated in the trial run offer. In the meantime, three days later on XX/XX/2019, the full charge of {$95.00} hit my account again. So not only was I charged the full amount of {$95.00}, I was charged for that amount twice within 3 days. 
From that point, I called my bank, US Bank to dispute both subsequent charges of {$95.00}. On XX/XX/2019, I faxed to them the explanation of the occurrences, but the bank claimed after two attempts that they never received my faxes. They did however receive my 3rd fax on XX/XX/2019. This brings me to where I am today. My request to the bank is to have the duplicate charges reversed and refunded to my bank account, and also impose a reprimand on XXXX XXXX for their dishonesty.

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 2020-06-23
Company: Harpeth Financial Services, LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I have been laid off due to the COVID 19 epidemic. I have contacted Advance Financial 247 multiple times to make payment arrangements. The only response I get is pushing back the payment. Meanwhile the extremely high interest accrues and has become unmanageable. I have paid XXXX in total according to their own records. My online bank records only go back to XXXX. I am struggling financially and I am still filing for unemployment, although that has yet to be resolved. 

I have contacted payday loan assistance companies and I have been told that this particular company will not negotiate with anyone. That is why I am filing this. Advance 247 will not negotiate and no one else has an answer. 

I am honestly trying to pay what I owe, but I am struggling greatly. 

Any assistance would be appreciated. 

Sincerely XXXX XXXX XXXX XXXX ( cell )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: Weber & Olcese, PLC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My debt has already been paid off thru wage garnishment. I continue to receive written communication from Weber & Olcese, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 
Original creditor : XXXX XXXX Bought by : XXXX XXXX XXXX Wages garnished by : Weber & Olcese, P.L.C.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
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: Account information incorrect

Complaint:
All accounts are medical bills that should not be on my credit report. They sold my accounts to a 3rd Party which is illegal and violation of HIPPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: Experian Information Solutions Inc.
State: SC
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:
Back in XXXX & XXXX of XXXX, XXXX XXXX XXXX  stated they did not receive a payment from me, with the two credit cards I had with the company and that information is inaccurate, payment has always be made to the company. Late payment ( s ) was reported to the credit bureaus, XXXX shows account was paid as agreed, no negative information was placed on the two accounts that I had with XXXX XXXX, under my XXXX credit report so I am requesting this negative information be removed from Experian and XXXX as well due to inaccurate information being placed on my credit reports. Late payments being reported to Experian, but not with XXXX and 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 2018-11-05
Company: TRANSWORLD SYSTEMS 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:
I placed a call out to the debit collector listed below on XX/XX/2018 ; I informed the creditor that this debit was incorrect, and that I never received a notification that I had a debit in there office. per the rep a letter was sent to a my address ( address was incorrect so I never received a letter ). I informed them that the address was wrong. I contacted the original debit and inquired about the debits. per the the original creditor these collections where sent to the collection agency in error, and they would contact the debit collector and ask for all collections to stop and for these accounts to be taken off my credit report. that was over a month ago. I have reached out to the the original account holder ( XXXX XXXX XXXX ) and they have told me that they already on numerous situations reached out the to the collection agency and asked them to remove these debits from my reports but they have failed to do so. I have also called the collection agency and asked them to look into this, they refused. 

Debit Collector TRANSWORLD SYSTEMS XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018 Diversified Consultants received a certified letter from me requesting debt validation. Diversified Consultants responded by sending a bill. On XX/XX/2018 a 2nd written request was sent to Diversified Consultants to verify the alleged debt ; the company responded by sending another billing statement. Months prior to receiving this negative remark on my credit reports, I returned the cable/internet equipment to XXXX and was awaiting a final bill showing the deductions of the equipment. I never received a final bill reflecting the appropriate charges nor was I given the opportunity to pay the final bill before they sold the account to a collection agency and reported it on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed items and closed accounts on my credit report with XXXX and Transunion for many months. Not only have they not removed the closed accounts, which would hopefully raise my credit score, they put old accounts that haven't been on my history for years, back on to my credit history. If an account is closed, why won't they remove it from my credit history?

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 2021-10-15
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I cancelled my XXXX XXXX XXXX  bill in I believe either XXXX or XXXX when I decided to switch providers. I paid the bill in full upon cancellation, yet continued to receive monthly bills. I got another bill, called and made confirmed it was cancelled and paid. I continued to receive bills, and tried cancelling multiple times, but they never shut off the internet, and continued to bill me for service that was cancelled until I stopped paying them. I disputed this bill and had it removed from my credit history as they never showed proof. I've started seeing collections on my credit this last year for what appears to be the same bill, even though it should be after the statute of limitations. I actually believe the statute of limitations would only be 2 years since I signed up verbally over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
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:
AFTER REVIEWING MY CREDIT REPORT, I CAME ACROSS SOME INACCURATE ITEMS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-01
Company: Trident Asset Management, L.L.C.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX trident asset manageme {$720.00} XX/XX/XXXX XXXX   XXXX {$710.00} these accounts was an result of identify theft. These companies was requested for deletion. company agreed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
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:
I have found collection accounts from XXXX XXXX, XXXX XXXX and XXXX XXXX that claim I owe them money. I have never signed any contract with these comapnies and request to have these permanently 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 2019-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Account # XXXX This account was paid XXXX XXXX With XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Ga. XXXX XXXX Referance # XXXX XX/XX/2019 I got a call from a XXXX XXXX at XXXX. She was given the account number. 
She said she would contact Capital One. 
XXXX I got a call form XXXX XXXX at XXXX. The return phone number was XXXX. Their case number is XXXX. 
I spoke to a XXXX XXXX. She said was being named in a legal actions for nonpayment of this same account number. 
She said her office is located in Georgia. Her emplyee ID # XXXX. 
I was advised by XXXX XXXX XXXX to file with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a XXXX and Banks store credit card on XX/XX/2019. 1st purchase XXXX. Downloaded app and set up online banking to pay bill on XX/XX/XXXX. On XX/XX/XXXX I was notified my payment didn't process, I immediately called and made it over the phone. I asked what the balance was, told my card balance was XXXX. I authorized the payment to bring my account to a XXXX  balance. I was told my payment did not process on XX/XX/XXXX due to an invalid account number. I was told I must have typed incorrect information. I tought the matter was taken care of. On XX/XX/XXXX, I received my online statement showing I had a balance of XXXX. I was changed XXXX for a returned check fee on XX/XX/XXXX, a fact I was never told about when I called on XX/XX/XXXX. I was the charged a late fee on XX/XX/XXXX plus XXXX in interest. How can the charge a fee on top of a fee plus add interest. Had I be told on my phone call on XX/XX/XXXX, I would have taken care of it at that point. I was not told, then charged fee upon fee. In my opinion this is a predatory practice and deceptive. I had to argue with them to waive the late fee and intrest. I paid the one fee of XXXX and closed my account. How can they get away with charging XXXX over a XXXX balance when I only had the account for a month? If they are doing this to me, how many other are they taking advantage of? This is a horrible business practice Also, since my phone app show a XXXX balance, I had no reason to look further into the account. If my balance shows XXXX, then I would be lead to believe I do not owe anything else. Even with a fee of XXXX on my account, my balance still shows XXXX due. I have included screen shots of my transactions plus what my app shows that I have XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
AFTER REVIEWING MY CREDIT REPORT, I HAVE FOUND SOME INACCURATE ITEMS ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2018-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Capital One B account was opened in XX/XX/XXXX with out my knowledge. Account XXXX. Balance is {$3300.00}. During a routine security clearance investigation by the XXXX in XX/XX/XXXX I was informed by the special agent handling my clearance that I had a closed account and Capital One bill. I was stationed overseas at XXXX XXXX XXXX, XXXX when this occurred. I did not give consent for this account to be opened. Also, I have no bills or have not been provided any documentation from Capital one B. I contacted Capital One B to resolve this debt. Additionally, a recorded statement was also made with Capital one B that I never used their services. Capital One B requested documentation showing that I was out of the country and were provided via FAX per there request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-01
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: Information belongs to someone else

Complaint:
show tooltip button XXXX XXXXDispute XXXX XXXXUnder Dispute XXXX XXXXDispute XXXX XXXXUnder Dispute XXXX XXXXDispute XXXX XXXX   XXXXUnder Dispute. 
sent ftc violations attached ftc laws these companies violated

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 2021-10-15
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent CREDIT COLLECTION SERVICES an Affidavit of Truth, & invoice, via certified mail in XX/XX/ XXXX for a multitude of Federally protected Consumer rights violations under 15 USC 1692. The bad debt furnished on my consumer reports is ruining my reputation, and it is defamation of character under Federal law.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: Experian Information Solutions Inc.
State: NY
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 been 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 2019-08-30
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened my TD { in } convenience account under these " Terms '' online on XX/XX/2019 from the OFFICIAL TD BANK website for a {$150.00} promo they had going on at that time : " Offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank, open their account online via this web page and complete the required qualifying criteria. '' Wait time was " no later than 95 days '' as per the terms. 

A month and a half after 95 days i sent them an email stating " Hello, I opened my account back when the {$150.00} promo was going on, it feels like its been over 125 days already. Any updates? Thanks. '' To make a long story short, this was their reply " Good afternoon, XXXX. 

Thank you for contacting us today about a recent promotion. 

We apologize for any confusion, XXXX. 

We had 2 types of promotions running when you opened your account. One was a mailed offer and one was available in Ads on sites that were not www.tdbank.com.

Our promotions department reviewed how your account was opened and we show that you used a promotional link from one of our mailed promotions instead of an Ad link from another website.

As we did not send a promotional mailer to your address in your name, you were not eligible to use the promotional link provided on our mailers to apply for the {$150.00} bonus. '' Mind you, I found this promo ONLINE, I didn't even know they had a mailer for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Capital One Online Savings On XX/XX/19 a funds transfer in the amount of {$10000.00} was requested from Capital One to another bank account. On XX/XX/19, Capital One security department called me and left a message. I called back immediately and spoke with XXXX. She questioned if the external account was in our name. I confirmed it was and told her that I had already processed a prior transfer in the amount of {$20.00}. She said that the transaction would be cleared and processed that day. The money was not transferred as promised, my external account did not receive the money however my Capital One balance showed the money had left the account on XX/XX/19. Furthermore on XX/XX/19, my Capital One balance showed that the money had been returned to Capital One. I called XX/XX/19, and spoke with the security department at Capital One again. I questioned why I had not received my money and they could not provide a valid reason, only that they see that a reverse ACH was processed XX/XX/19. They would process it again which would delay the fund even further. I told them that I needed the money long ago and that it is unlawful to hold my funds without a valid reason. I requested to be transferred to a manager and was connected with XXXX ( Employee # XXXX ), Account Manager in the Customer National Direct Banking Department. She was not very contrite regarding the issue and also could not provide a valid explanation. I told her bottom line I would like my funds IMMEDIATELY. She said she could process a wire transfer for the balance and closed the account. I confirmed. However I was charged for the transfer and should not have been due to the mistake they had made with my initial transfer. I am reporting this because it needs to be on the record that Capital Ones banking business practices were at a minimum unethical in my experience. They withheld my funds without reason and I did not have access to my own funds due to their dishonesty. I refuse to do business with them in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I AM HAVING ISSUES WITH EQUIFAX, THERE ARE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT, I HAVE ALREADY CONTACTED THE CREDITORS THEY HAVE ADVISED ME TO SUBMIT MY IDENTITY THEFT REPORT. XXXX  AND XXXX XXXX HAVE ALREADY UPDATED THEIR RECORDS AND THEY HAVE REMOVED THE FRAUDULENT ACCOUNTS FORM MY CREDIT PROFILE. EQUIFAX IS NOT REMOVING THE ACCOUNTS, I DON'T UNDERSTAND WITH WHOM ARE THEY CONFORMING ANY INFORMATION, THEY ARE GIVING ME HARD TIME EVERY TIME I AM CALLING TO GET ANY INFORMATION IN REGARDS TO MY DISPUTE. I HAVE SENT THEM NUMEROUS TIMES MY IDENTITY THEFT REPORT, ALONG WITH MY OWN PERSONAL STATEMENT. I AM A VICTIM AND SEEMS LIKE THEY DON'T CARE TO HELP CONSUMERS IN ANYWAY.

Company response to consumer: Closed with non-monetary relief