BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-18
Company: TCF NATIONAL BANK
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I attempted to report fraudulent charges on my checking account. I went into one of TCF 's branches to report 4 fraudulent charges that had been made by the same company. I declined receiving a new debit card as I intended to close the account after reporting the fraudulent charges. I was informed by the manager that if I chose to close the account, it would void any fraud report and I would not be able to recuperate lost money.

Upon hearing this, I asked to speak with the branch manager. She repeated this same information. I asked for a corporate contact number. The branch manager refused to give me any contact  information for anyone beyond that internal branch. 

I have since called into TCF 's customer service line. I have repeatedly been told I would receive a callback within 24 hours of the call. I have yet to receive a call back 10 days later. I have repeatedly asked their customer service contact people for a corporate contact number. As of this filing, I have made this request verbally 176 times. I have been denied all 176 times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-29
Company: EQUIFAX, INC.
State: AZ
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:
On XX/XX/2017 I sent out a certified letter EQUIFAX which was received by them on XX/XX/2017 regarding a entry on my credit bureau from United States Bankruptcy Court District of Colorado. My letter was address both this entry and an entry by XXXX County which I already previously filed a complaint about. EQUIFAX sent me a report by mail on XX/XX/XXXX that the results of their investigation was complete. I asked that the entry be validated and copies of all and any documents with regards to this entry be sent to me. I never got a thing. The response came back well beyond the 30 days required by law. I never resided in the State of Colorado and I believe they have me confused with someone else. They still claim they verified the entry and the Court provided the verification which would be untrue. I have provided documentation to support my position.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-29
Company: AMERICAN HONDA FINANCE CORP
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 am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX  and XXXX data breach. State issued ID have been compromised and my social security has been compromised. 
I have filed a report with the FTC in regards to this negative misleading fraudulent information that needs to be removed immediately off my credit report. 
I am not responsible for any charges made to this account. 
I would like to request copies of any documentation, such as application and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My daughter and I have a auto lease with GM. We have had the lease since XX/XX/XXXX. We have made every payment via direct debit from checking out each month. My daughter was alerted in XX/XX/XXXX  that we were reported as 120 days late which is not correct. I attempted to call GM onXX/XX/XXXXto straighten this out. I was told they had a system change in XXXX  that caused reporting problems such as mine. I was assured someone would return my call on XX/XX/XXXX. They also told me on the phone that system said i missed 8 payments but she could see that i was current. No one called me on XX/XX/XXXX. I submitted two other online complaints and called again onXX/XX/XXXXand I was supposed to receive a follow up call but I have not received any further correspondence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I'm on social security and direct deposit and explained what your site say 's about about debt collectors and social security and I explained this to them every time and they keep calling. Two weeks ago they called after XXXX XXXX. And usually they call 2-3 times a week but my phone blocks unknown numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have tried to get an increase for a credit limit with Capital One Credit Card. I applied and was denied due as they claim that I had too many inquiries with XXXX. I had checked my credit reports with XXXX and XXXX since I know these are the two agencies that Capital One uses. Therefore, when I got this letter back stating this fact I immediately call XXXX to inquire about this information that I had just got back from Capital One stating that I had too many inquiries on my report. The XXXX CSR stated that they did not see any inquiries at the time on my report to state what Capital One had sent me. I then called Capital One back they gave me the runaround and even asked for a copy of that XXXX  report they refused to send me anything. But of course, this was upsetting because now as a consumer I did not know who was lying. Was it XXXX or Capital One that lying to me, but on XXXX, I could clearly see for myself there were no inquiries on my report which lead me to believe that it was Capital One who was given false information to me. Even one of the Capital One CSR ask me if my letter said XXXX, I told her no It says XXXX. True enough if they would have said due to late payments I would have been okay, but to say because there are too many inquiries is not going to get it with me. I have gone as far as seeking an attorney and they were still uncooperative them. 
I would greatly appreciate it if someone could look into this for me please and let me know as a consumer what I may need to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
This is a running theme that keeps happening over and over and over again with this same account in the same company. 

I scheduled payments to come out of the account on Friday and the bank only posts the transactions on Monday or Tuesday at which point the funds have run too low and they can charge me an overdraft fee of {$34.00} on a transaction that was only {$36.00}. 

This is some XXXX, because I scheduled my recurring payments to show up on Friday and every time I make a credit card payment I schedule it at least a week in advance to come out on Friday so that it is going out of the account by Friday at XXXX or XXXX XXXX before I even wake up. 

Imagine my surprise to find out that the transaction was not posted until Tuesday along with the corresponding overdraft fees. 

So far, this bank is made almost {$700.00} and some odd dollars off of me this year in overdraft fees in that exact way.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-19
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hey, so i had to transaction that were unauthorized so I disputed both claims one for {$100.00} the other for {$140.00}. Its very unfair how my bank Chime tied with XXXX XXXX has been treating me especially that this pandemic is going on and they will not fund my account with money missing out of my checkings, they already closed my debit card and issued a new one but thats the best they seemed they can do i hope you guys can help resolve my issue thanks so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I submitted the {$2.00} or {$3.00} required by the XXXX XXXX online and have a printed receipt from last XX/XX/XXXX or XX/XX/XXXX. The credit reports from Experian and XXXX indicate I am on the opt out list until the end of XX/XX/XXXX. I sent a letter with proof of payment above and copies of the opt out prescreen and XXXX XXXX letters and I don't want any marketing or use of my reports for anymore junk mail from the credit bureaus. They need to update my legal request and I should not have to prove to them again of my opt out prescreen choices or XXXX XXXX that I paid to have my name removed for 10 years! Please follow up with them for everyone who pays to stop junk mail. Thank you! 

2. After all these years, XXXX has my wrong birthdate year. I sent them proof last month, clearly stated on driver 's license and they list it wrong. I am sending proof again XX/XX/XXXX. Fix this immediately please!

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 2020-12-19
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX an account from XXXX XXXX was reported to my credit profile. Available data shows the last date this account was reported was on XX/XX/XXXX. According to the State of California, the state I reside in, the statue of limitations for reporting of this type of account has passed. Today is XX/XX/XXXX and is past the date the law allows this to be reported.

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 2020-03-23
Company: Experian Information Solutions Inc.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay things opened under my name. These fraudulent items are not mine. Please remove them from 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 non-monetary relief
Consumer complaint received 2021-11-09
Company: Account Recovery Specialists, Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
ARSI continues to try to collect a debt that is over 7 years old and can't report to the credit and 4 years out of statute of limitations for them to sue me. 

But they continue to send me letters stating that if I don't respond to pay the bill, the attorney may file a sue against me. I have sent ARSI several times my FTC paperwork because the debt they are trying to collect is fraudulent, they continue to disregard the paperwork and keep sending me threatening letters. 

I contact ARSI at the beginning of XXXX when I received their last letter. I wanted to know when this debt occurred because the letter that was sent to me doesn't have the notice that this debt is out of the statute of limitations to collect or to report. On the first call, I was disconnected after I stated who I was. On the second call, after I verified myself, XXXX tells me that I have to speak with legal counsel XXXX XXXX. Then they inform me that he was on the phone and will have to call me back. Well, that is impossible because I have a cease and desist on file with them. If I accepted a call back from their legal counsel that would negate the Cease and Desist. 

I don't understand why ARSI keeps violating the Fair Credit Reporting Act in attempts to collect a debt. And why do they keep harrasing me by sending me threatening letters? But at this point, I'm done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: EQUIFAX, INC.
State: NV
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 would like to file a complaint against Equifax, XXXX and XXXX   regarding XXXX College. I have disputed this account several times as well as asked them to provide proof that this account was mine. On my credit report it states under the comments, " Debt included in or discharged through Bankruptcy Chapter XXXX. '' I would like for Equifax, XXXX and XXXX to provide me with proof that they received evidence of this account. I have sent letters to XXXX as well as disputed with the credit reporting agencies. XXXX never responded to my complaints and the credit reporting agencies claimed they were verified but never provided me with proof. The high amount it states is {$2500.00}. It currently states a XXXX  balance but I want proof of the account or I want it removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: CCS Financial Services, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had XXXX XXXX, and terminated the service. I returned their equipment, and then got a statement from their company regarding the final bill. After the last was paid on XX/XX/XXXX in the amount of {$210.00} for the upcoming month I quickly cancelled and paid the last bill, I got a bill from XXXX in late XXXX that indicated I had a credit balance of {$180.00}. This was the last statement I had received. On XX/XX/XXXX, I received a notice from XXXX XXXX XXXX ( Phone Number ( XXXX ) XXXX that my XXXX account # I had been sent to collections in the amount of {$29.00}. Never was I informed by XXXX that there was an amount due. The last notice I had indicated I had a credit balance of {$180.00}. I was told by XXXX XXXX XXXX that they were a debt collection agency. In protection of my credit, I formally asked them to provide me copies of my credit report, and also told them I feel they are in violation of the Fair Credit Reporting Act. To protect my credit, I reluctantly paid them the {$29.00}, even though after I contacted XXXX, and they admitted I shouldn't have owed anything! This is a XXXX scam, and they are collecting debts without justification

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: States Recovery Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In late 2019 a fraudster stole my identity and opened several accounts fraudulently in my name. I learned of the fraud from XXXX XXXX and immediately acted, including freezing my credit, filing a police report, and completing all required paperwork from the companies the fraudster successfully and unsuccessfully attempted to commit the fraud. 

One of the accounts that the fraudster successfully opened was a credit card account with XXXX XXXX XXXX XXXX. By the time I learned of the fraud the fraudster had spent $ XXXX. XXXX XXXX XXXX XXXX closed the account, and XXXX, XXXX, and XXXX all removed the account from my credit history. 

Then, months later, I started receiving letters from a debt collector that I had been sent to collections for the outstanding balance on the XXXX XXXX XXXX XXXX account, opened and executed by the fraudster. I have called both the collector, XXXX XXXX XXXX, as well as XXXX XXXX XXXX XXXX and neither provide any help what so ever. XXXX XXXX XXXX simply tells me that the only way they can remove the account from collections is by XXXX XXXX XXXX XXXX revoking the collection. When I call XXXX XXXX XXXX XXXX, my call is repeatedly transferred, the call is dropped, there is no clear department or number to reach out to. I reached out to the woman in the XXXX XXXX branch who helped me file the XXXX XXXX XXXX XXXX required paperwork when the fraud was initially detected, however she is no longer with XXXX XXXX XXXX XXXX, and her replacement began to help me but months have passed and nothing has happened. 

The collections account is bringing my credit score down and I am trying to buy a home- this situation is incredibly frustrating. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: Bernhardt and Strawser, P.A.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a summons from Bernhardt and Strawser , P.A . delivered by XXXX county sheriff XXXX XXXXXXXX, notifying me that they represented XXXX XXXX. To the best of my knowledge, I had opened a credit card account with XXXX XXXX XXXX on XX/XX/XXXX. I closed this account on XX/XX/XXXX. Upon researching my credit report, I found an update on this account, which shows {$0.00} balance and the account ( s ) with XXXX in good standing. 
Bernhardt and Strawser , P.A . alleged that I owed them approximately {$4900.00} from a XXXX credit card. I never received any proof that I had an account with Bernhardt and Strawser as a consumer to repay a debt, nor any information of how they arrived at this number. Nevertheless, I contacted them several times to try and work out a settlement, which they agreed to a lower settlement. Then I eventually received a writ of execution by the same sheriff notifying me that I owed Bernhardt and Strawser , P.A . a total of {$6400.00}. They levied both my business and personal bank accounts and I had to fill out an exemption form for the court. After doing some research, it appears that Bernhardt and Strawser , P.A . may have illegally obtained my information and even if there were debt that was originally owed to XXXX XXXX, it has long since passed the statute of liability in the state of North Carolina.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
After pulling my credit report From XXXX I noticed they had an address that I have NOT resided at before and a name I have never used. 

Invalid Address is : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX TX XXXX Name I Have Never Used : XXXX XXXX XXXX Invalid Accounts I did not sign my signature on : XXXX XXXX  # XXXX - Never signed any accounts with my signature for {$34000.00} XXXX XXXX  # XXXX - Never signed any accounts with my signature for {$13000.00} Under the Fair Credit Reporting Act, the credit bureaus are supposed to report TRUE and ACCURATE information. Please advise them, they have XXXX XXXX  to remove this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I went to XXXXXXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX to purchase a car. We initially agreed to pay the XXXX XXXXXXXXXXXX XXXX  for XXXX XXXXXXXX XXXX. I gave a XXXX deposit. At the end I ask the dealer for my copies he said he will email them to me and Westlake Financial the bank that s going to finance the car. He never did. When I contacted the bank, their documents were electronically signed by me and I never did sign anything electronically especially when I drove to XXXXXXXX XXXX XXXX myself. Only proof I have is the text messages me and the seller was communicating from. Where they creating fake emails to show that they did send the documents. Once I contacted Westlake Financials they had my correct emails which they get from XXXXXXXX XXXX XXXX. My main issue is with the dealer however Westlake financial had call and email me about a required interview to finalize the loan. When I call the bank somehow they waived that required interview.

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