BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-09
Company: I.C. System, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have contact this company before stating I have no valid contract with them. They sold my debt to another company. I have contacted this company and disputed the debt. I have no valid contract with them. Please cease and desist all contact. Please remove all falsely reported information off my credit reports. Please do not sell this debt for something you have no valid contract on. This is in no way saying I owe this debt.

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 2018-01-12
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX, XXXX, XXXX XXXX XXXX .... The basis for my dispute was required to notify me prior to XXXX/XXXX/XXXX, or no later than 30 days after XXXX XXXX, XXXX, XXXX XXXX to notify me about reporting derogatory info. to XXXX XXXX  and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under  subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days afterXX/XX/XXXX furnishing the negative derogatory information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. 


Also, XXXX XXXX, XXXX, XXXX XXXX '' failed to give me my " Mini-Miranda '' five days prior to  placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of TX allows treble damages. 

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX XXXX XXXX XXXX failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve XXXX XXXX, XXXX, XXXX XXXX is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX. ) citing XXXX v. XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: Bread Financial Holdings, Inc.
State: OH
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:
On XXXX XXXX, XXXX we paid XXXX XXXX {$2200.00} down to do landscaping. We got his company from recommendations on " XXXX XXXX ''. They came out two times one removed some landscaping bricks which they took with them and removed a section of fence in our back yard. They removed a few bushes never put the fence back and never showed up again. We repeatedly called and left messages. On XX/XX/XXXX we received a letter from his wife stating he took our money finished another job with it and then was arrested for XXXX   XXXX. We contacted out credit card company " Comenity Bank '' and filed a dispute. We sent in all requested documents. A couple months later we contacted Comenity and sent in all the information again. Every time we called Comenity they said they were investigating. Finally in XXXX of XXXX we received notice that the dispute was denied. Once again when I called they said they needed more documentation. When I asked what they needed they sent me the exact same list from the previous year. Once again it was denied and when I asked why they needed more information but asked for exactly what I had sent two other times. No one at Comenity would tell me what exactly they needed or what I was missing. I cancelled my card and still can not get any answer from Comenity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Green Trust Cash, LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a {$350.00} pay day loan in XXXX. To date, funds are still being deducted from my checking account. I was told my last payment of {$13.00} will be paid on XXXX/XXXX/XXXX. I have paid back over {$2200.00} on a {$350.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: Coinbase, Inc.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Coinbase.com has my money and they will not release it. There systems are failing and they say they can not verfiy my account. I have sent support tickets, talked to their XXXX chat bot, and tried to verify my account with no luck and with no response. 

This is clearly a scam to make money off the float of peoples funds. I hope the CFPB will take any and all action aginst this clear and obvious fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The issuing bank is Fifth Third Bank, credit card ending in XXXX. 
In XX/XX/XXXX, I closed a checking account with 5/3. There was an ach of {$120.00} to XXXX  XXXX XXXX that was made on this account. I disputed this charge twice, denied both times and paid 5/3 the {$120.00} + late fees and interest charges totaling {$330.00} on XX/XX/XXXX. See attachment statement dated XX/XX/XXXX. 
This was not the full balance and I asked 5/3 to waive the remaining {$38.00} late fee. They have refused to do so and have continued to add late fees and interest to this account. See attached statement dated XX/XX/XXXX. 
I have sent numerous messages both online and by phone. I have even filed a complaint with the XXXX with 5/3 refusing to resolve this matter and stating they would no longer communicated with me. 
I'm seeking the balance, as of this date of {$160.00} be waived. This balance is only late fees and interest. I also want this account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I WAS CHARGED FOR THINGS I DID NOT AUTHORIZE ON MY ACCOUNT. WHEN I RECIEVED MY STATEMENTS BACK WHEN THIS HAPPEN I CONTACTED VISA BANK OF AMERICA AND LET THEM KNOW THAT THESE WERE FRAUD CHARGES. THEY TOLD ME I WAS TOO OLD TO REMEMBER AND I PROBABLY DID MAKE THESE TRANSACTIONS. I TOLD THEM I DID NOT AND TO PLEASE STOP BEING SO MEAN TO ME. THEY CONTINUED TO SPEAK TO ME SO MEAN. I ENDED UP HAVING TO PAY FOR ALL THESE CHARGES AND THEN THEY CLOSED MY ACCOUNT WITH THEM. I WILL LIST THE CHARGES ; XXXX/XXXX/XXXX XXXX XXXX CARD ENDING XXXX XXXX/XXXX/XXXX TIME SHARE BY OWNER- XXXX CARD ENDING XXXX XXXX/XXXX/XXXX TIMESHARE BY OWNER- XXXX CARD ENDING XXXX RESORTS FOR HEROS- XXXX NOT SURE OF THE DATE I DONT REMEMBER PLEASE HELP ME TO GET MY MONEY BACK THAT WAS STOLEN FROM ME. IM A ELDERLY MAN AND THEY TOOK ADVANTAGE OF ME FOR THAT REASON TELLING ME I FORGOT AND I DID NOT. I KNOW WHO I MAKE CHARGES WITH AND I DID NOT AUTHORIZE ANY OF THESE CHARGES.

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 2019-07-24
Company: M&T BANK CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX said : M & T Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX : As a result of your continuing harassing behavior, and since you do not have any relationship with M & T Bank or occupants of the building at XXXX XXXX XXXX, XXXX PA XXXX, M & T Bank is putting you on notice that you are not permitted to enter the building at XXXX XXXX XXXX, XXXX PA XXXX from this day forward. Furthermore, you are also prohibited from contacting any employee or entity within the aforementioned building in any capacity. If you violate any of these terms, M & T Bank may take such legal action as it deems necessary to protect its interests. 

Respectfully, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX M & T Bank XXXX XXXX XXXX M & T Bank Corporation C : CERTIFIED MAIL RETURN RECEIPT REQUESTED Regular First-Class U.S. Mail Copy to : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Partner | XXXX, Pennsylvania Email : XXXX Tel : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX - XXXX XXXX XXXX said : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ph ( XXXX ) XXXX fx ( XXXX ) XXXX EMAIL : XXXX Reply to XXXX XXXX XXXX No : XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Mail , Return Receipt Requested and U.S. Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX Dear XXXX XXXX : This Law Firm represents XXXX XXXX XXXX ( XXXX ) . We are in receipt of a copy of an email which you forwarded and copied to the XXXX XXXX XXXX XXXXf XXXX. In your email, you threaten to bring a lawsuit against XXXX for XXXX XXXX undefined actions which you apparently claim arose in some private dealings you had with him. We write to request that you cease and desist making such unfounded threats. You are not a XXXX policyholder, and XXXX has no relationship with you whatsoever. To the extent that you follow through on your threats and file a frivolous lawsuit, XXXX will seek sanctions in court, including recovery of its attorneys fees incurred in having your suit dismissed. 

You are also instructed not to enter into or upon XXXX  place of business. If you are found at the premises, you will be considered a trespasser and will be reported to the police. 

Please govern yourself accordingly. 

Very truly yours, XXXX XXXX XXXX XXXX By : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Floor | P.O. Box XXXX | XXXX, PA XXXX | ph : XXXX | & | XXXX XXXX XXXX XXXX | XXXX, PA XXXX | ph : XXXX | fax : XXXX | XXXX | XXXX   XXXX & XXXX XXXX XXXX XXXX XXXX XXXX Assistant Vice President XXXX and XXXX of Facilities Fax : ( XXXX ) XXXX Cell : ( XXXX ) XXXX After Hrs. Direct : XXXX XXXX XXXX Home Office : XXXX XXXX XXXX P.O. Box XXXX XXXX, PA XXXX ( XXXX ) XXXX 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 2018-01-18
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I sent XXXX XXXX Equifax, XXXX, and XXXX a letter requesting verification and validation for account number XXXX requesting original documentation in its original form with signatures. During the time the loan was taken I was in XXXX so I know I dont have a contract. They didnt not give me a full and Thorough investigation._1

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: Big Picture Loans, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX, I received in the mail an offer from Big Picture Loans. They approved me for a {$600.00} loan, and I understood that the interest would come to XXXX. I have come to find out that they want XXXX every week for a total cost of {$4200.00} and {$3600.00} in interest ( 665.2037 % ). Had I known this was the case, I would never have agreed to the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Every month I look at all my credit cards to make sure, everything is on time and running smooth. XX/XX/XXXX I looked at my capital one card statement and saw that my auto payment had gone through on XX/XX/XXXX. XX/XX/XXXX I went to setup new auto pay on a new bank account I had just opened when I saw my account was past due a payment and I had incurred a late fee. I immediately called capital one customer service to let them know I needed to update my bank account autopay and if they could waive the late fee. He said of course for it was my first time. ( Never did he mention XXXX payment had been returned and that was past due. ) I looked up my fico store because our family is looking at purchasing a house. It said my score had taken a massive hit due to 30 day late payment. I immediately called capital one to see if there had been a mistake, when they said they did not know why but it looked like my XXXX payment had not gone through. I asked why I was not notified and they said the system doesnt notify because they assume you have the funds. I still have this account and had plenty of money in the account at the time. Capital one could not give me a reason why the payment did not go through. I called XXXX XXXX to see what happened on my banks end. They said it was capital ones fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
on XX/XX/19, i called Citibank about my credit card account. it was recently closed due to inactivity. I called to ask that my account be re-opened. I told them i understood why it was closed, and I kept the account open in case of emergencies. I would have used it if i had known that was a stipulation of it remaining open. They were nice about it, but asked me for my full social security number in order to re-open the account. I insisted that if they have my acct info, they should have that already. I was adamant that i did not want to apply for a new line of credit, and just to ask this one to be re-opened. I was promptly hung up on. I thought that was rude and tried the same number again. I reached a different customer service representative. That call was going better. I did not inform them of the previous call. We got to the same point in the conversation, when i insisted that we do not pull a credit report to re-activate my account. I was told they were not going to pull a credit report, but needed my info for verification. I asked again, for the recorded line, that the rep state we are not pulling a credit report, and was promptly hung up on again. I feel this company is not being honest with me or other customers about their practices. Seems like something XXXX XXXX would 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 2019-04-11
Company: Experian Information Solutions Inc.
State: NC
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:
On XX/XX/2019 I reported my Vehicle as paid off from XXXX XXXX company formerly XXXX XXXX. This information was given to Experian and XXXX via an upload of document mailed to me by the creditor and a case for dispute opened. 
Experian reported the case as resolved stating this will remain on my credit file.

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 2019-09-18
Company: AMERICAN EXPRESS COMPANY
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:
THERE ARE MANY ON ALL THREE CREDIT REPORTING COMPANIES THAT ARE INCORRECT OR INQUIRIES THAT I MYSELF NEVER DID AND ALSO DIFFERENT CARDS STATING NOT PAID THAT I PAY OFF EVVVERY MONTH!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: Ocwen Financial Corporation
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Ocwen Loan Servicing illegally foreclosed on my home back in XXXX. They never legally had the right to collect anything from me. The original creditor on the contract clearly states goes by the name " XXXX '' They have never shown any evidence where they purchased the contract from XXXX. Now to this day XX/XX/XXXX I obtained a copy of my credit reports which shows too many inaccuracies reported by Ocwen Loan Servicing. I disputed this account with the credit bureaus and yet OCWEN LOAN SERVICING claims to have verified the information as COMPLETE and ACCURATE. Number 1. OCWEN Loan Servicing does not have the right to report any information on me to the credit bureaus, number 2 the information and accounting they are reporting is inaccurate. The payment histories between the credit bureaus do not even match each other.The term set with the original creditor is inccurate. As of now I cant get my home back as its been sold and I have  a XXXX balance, but I want Ocwen Loan Servicing to remove and delete any and all entries regarding this account to from XXXX, XXXX, and XXXX. As the reporting is not and has not been properly investigated by Ocwen Loan Servicing nor is it complete or accurate, yet they fraudulently verify this information with the credit bureaus when disputed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: BOK FINANCIAL CORP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I review it the company reply of my complain CFPB Case No : XXXX, in it the bank said the " XXXX XXXX PMI removal requirements were amended and effective XX/XX/2018 '' however I do not recall been notified. In my case, if someone would have pointed out, I would have eliminated my PMI, now there was no longer require a new appraisal, I would have probably done verbally. 

Actually in my last Escrow Account Disclosure Statement does not indicate anything at all about the changes in the rules about the PMI, it does not even reflect the status of the same at the time, to give me an idea that I was overcharged. In my case, I reached the LTV 78 % at the moment to apply the payment done on XX/XX/2018, this means I was overcharged by at least 8 months. 

I happen to I noticed was when I got online into my mortgage and looked into any single option available and I read about it, was when I picked the phone and called and asked, otherwise more time would have passed and more unfair charges would have been applied. Should at least the bank send me a note about the benefit I was missing?

Company response to consumer: Closed with explanation