BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-15
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dear Sir or Madam, I noticed that I have had a medical debt back in XXXX. That time I was outside of country ( due to medical issues, I can provide proofs that I took a leave of absencefrom university ). I did not get any letter from the hospital. My ex-roommate did not not even get a letter from them. 
When I got back in XXXX, I moved to anothet house. I had no idea about any debt and i didn't get anything from collecter. I just saw the mark on my credit report, I called the hospital and collector and I paid for it last week. 

They said it would be removed from my report. But it's still on my record! It's affecting my credit score and my life. I've been always good with my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Once again I 'm here sending an emailed complaint to you guys to handle for about Bank of America. I will upload more pics to come. XXXX/XXXX/2017 I stopped to put gas in my car. I put in {$31.00} something dollars. This overdrew my account. O.k, I get that and that 's fine they can charge me an overdraft fee. The problem is when they make all the transactions red when they should n't be. I only over drew for the gas from XXXX. They have it looking like I overdrew my account 3 or 4 times when that is not the case!!! I am about to upload the picture. The other items should not be overdrawn just the XXXX gas because that 's the very last item that i bought that was going to overdraw my account. They are for some reason charging me the overdraft fee for the XXXX XXXX payment when you can clearly see that that was in there on my picture. I had money when they withdrew their charge. Money was in there for the rest of the charges also. The XXXX XXXX and also the other food place.

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 2021-03-07
Company: Debt Recovery Solutions, LLC
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:
Debt Recovery Solutions is report my account as past due to all 3 credit reporting agencies and this account is already PAID

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
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:
Equifax/XXXX, 15 USC 1681c Requirements relating to information contained in consumer reports ... 

A. Information EXCLUDED from consumer reports. ( B ) no consumer reporting agency may make any consumer report containing any of the following information : 1. Cases under Title 11 of the States Code or Bankruptcy act that, from the date of adjudication ( filing ), as the case may be, ante date the report more than 10yrs .... 

Remove the Chapter XXXX bankruptcy ... Fair Credit Report Act has giving direction in this matter. Youre never to report this information ... 

Equifax/XXXX, 15 USC 1681b Permissible purposes of report ... ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.. 

Equifax/XXXX, please remove the Chapter XXXX bankruptcy, all accounts and inquiries..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: EQUIFAX, INC.
State: MO
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:
On XX/XX/2019 I requested the method of verification for the bankruptcy to be mailed to me proving the method of verification, but I never received any documentation from Equifax and was told by the manager XXXX ( work id XXXX ) that they don't have to verify any information with me being the consumer. I also never received a response from Equifax via mail in a timely manner and had to call equifax to see why I never received a response in a timely manner. I am aware that the credit bureau has 15 days to provide proof of the method of verification, which no one has done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We were in the path of hurricane Harvey. We applied and was accepted for the disaster relief. TD Auto Finance ( TDAF ) felled to do the paperwork on their end. We have contacted them 7 times regarding this matter. Each time they say it will be correct within 48 hours ( 2 business days ). It has still not been corrected. This was in early XXXX, we were granted a 2 month extension. On XXXX XXXX 2017 they reported on my credit report that I am 30 -59 days past due. This decreased my XXXX score by 49 points and my XXXX score by 34 points. This has created another financial hardship on us ( we  were trying to buy a new vehicle ). Since the relief period, we have made two payments and bot times we were told the problem would be handled. Now this ... 
Now we are unable to get a good loan due to the incorrect reporting from this company. We are not trying to say we are perfect, we are not. The incorrect reporting hinders us greatly. 


XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-02
Company: Persolve, LLC - Legal - Series 2
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
My wages are currently being garnished by Persolve LLC because I was sued in a state in which I do not live in. I never received any letters or a chance to dispute the charges against me. I sent a form disputing the charges to the court that this lawsuit was filed because its in a completely different state than where I live now but because of the government shutdown earlier this year I understand they are in a backlog.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/XXXX, XXXX XXXX  inaccurately reported to all 3 credit bureaus that my vehicle was charged off in XX/XX/XXXX. I have had an active account with XXXX XXXX  since XX/XX/XXXX, and my vehicle has never been repossessed or charged off. Prior to the reporting, I contacted XXXX  customer service on XX/XX/XXXX to question why my XX/XX/XXXX payment was reported to the credit bureau as being late. I paid the XX/XX/XXXX payment 8 days prior to the due date. I also questioned why my XX/XX/XXXX payment was never reported. The rep I spoke with had horrible customer service skills. I requested supervisor assistance and the rep stated the supervisor was not available and disconnected the call. I reached out to the corporate complaint office and left a voicemail. XXXX XXXX called me back and appeared to be concerned and eager to help. She confirmed that my XX/XX/XXXX payment was made within 22 days, and my XX/XX/XXXXand XX/XX/XXXX payment were paid. She also confirmed that the next payment due was not until XX/XX/XXXX. She assured me she would look into the issue and call me back. I never heard back from XXXX XXXX. A week later I left her a voicemail requesting a follow-up. To date, XXXX XXXX has not returned my phone call. I received a letter in the mail from XXXX XXXX. I have included a copy of the letter with this complaint. The letter states XXXX XXXX   will correct the information with the credit bureau to show no credit mark for the month of XX/XX/XXXX. How horrible!! The company has not reported for XX/XX/XXXXand instead of correcting XX/XX/XXXXthey chose to report no mark. What they actually ended up doing was reporting my account as a charge-off. This is absolutely ridiculous for a major corporation, its adversely affecting my credit report and credit score, and is a poor way to treat a customer.

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 2017-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX Removal of unauthorized inquiries XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX, XX/XX/XXXXFraud alert was placed XX/XX/XXXXon Transunion Credit Report XXXX Transunion refuses to remove inquiries. Please delete.

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 2019-09-24
Company: CL Holdings LLC
State: FL
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:
Started a family plan with myself and my mother. She was diagnosed with XXXX XXXX XXXX XXXX In XX/XX/2013. I spoke with XXXX on many many occasions notifying them of our situation. The monthly statement clearly indicated there was zero use from XX/XX/2013 until her sudden and untimely death on XX/XX/2013. Documents show I continued to pay In order to keep my phone connected. After all, I just lost my mother who was only XXXX. The reps were plain rude, insensitive and of no help. They refused to allow me to end our plan. I was told verbatim, Do you know how many people fake their parents dying to  get out of a plan? Meanwhile Im sobbing and said check her usage. She has been hospitalized. I had her obituary for proof. I even have her death certificate. And still, XXXX could care less. So much for customer service. They stole from us. I have statements and emails verifying payments were made up until they refused to change our plan. One of their customers was now deceased and it was my word against theirs even though I had proof. And what a shame!! I wonder how many other customers they treat like this? 

Also, I dont see any correct dates for this account on my report. 

I tried calling the debt buyer in hopes of resolving this matter recently at which time I was conveniently dropped from the call @ XXXX and again when I called back and spoke to a different rep named XXXX XXXX XXXX last month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: LEXISNEXIS
State: IN
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:
It is apparent you do NOT read the Replies. Do the Defendants Pay your Wages? I am under the Impression Taxpayers support this agency. There is quite a deficiency here. 
I am, again, continuing with the abuse directed at me by the hands of Lexis Nexis. In  reference to the dismissal as I was a XXXX, XXXX. I am appalled you accepted this and Dismissed the case. I responded as Feedback the TRUTH, I tried to add Documents, FAILURE. I CALLED THE NEXT DAY. I was instructed to Fax Documents. After 2.5 HRS, I called again and was told to file another Complaint. Here we GO! 
The first page with all the NUMBERS are the RECORD of the Times I contacted Lexis Nexis. The Reply states no data without the ( silly implied ) surname does not appear  withing the " FIXED and Repaired, all better NOW Reports ''. The names on some of these Internet Providers are my Father 's. My Wages of XXXX ARE NOT MINE! To fix this is a LIFE THREATENING situation. Ask me, I 'll tell you why I must Fix this False Reporting. Some of the Phone Numbers listed as MY FATHER '' S are Mine! Lexis Nexis and I 've been over all these DETAILS more than thrice. I see this as DELIBERATE! I was told my Father 's name as my own was gathered from a REPORT from XXXX XXXX OHIO. I contacted XXXX XXXX, the Copy is attached. My name of XXXX XXXX is on there. I contacted the Attorney of Record, the Copies are attached. My name of XXXX XXXX is on there, both times. The copies from the Attorney Cost me {$25.00}. I am billing Lexis Nexis for this. I am XXXX XXXX ONLY. No AKA 's are Legal!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
This car was repossessed in XXXX XXXX/XXXX XXXX. The company said if we paid x amount they MIGHT let us get it back. Could not take a chance with a MIGHT and you want XXXX plus dollars to maybe give the car back. I let it go. The company sold this car for about {$2000.00}. They could have gotten way more. They completely low balled this sale and want $ XXXX from me after selling the car. The car was in good condition and I had just put a new transmission in it worth XXXX. The interior was good the exterior was good. No damage whatsoever. I cant believe how much they lowballed this sale and expect me to pay XXXX. This company is unethical and broke the law when they sold a car in that condition for only 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 monetary relief
Consumer complaint received 2018-06-25
Company: JPL Recovery Solutions
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
JPL has threatened to garnish my wages from a Online Loan from XXXX. The contract said that my interest rate was 179 % which equals to {$18000.00} for a {$1000.00} loan ... how is that legal? Also, XXXX XXXX the agent was asking very person questions that is non of her business. 

Such as : Why would I get a loan? 
Did I know about the details? 
What was the loan for? 

So JPL has called me work, my father, my mother and threatened them as well. Im happy to pay off the debt but I am not working with JPL.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: CITIBANK, N.A.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I opened account with them since this is the account out extended family uses in XXXX. We are buying a house and need to pay the note and my husband 's sister sent us money to help us which i was trying to use to put it in my wife 's account. The check was deposited and then withdrawn from my wife 's account.I thought we made a mistake and decided to use the city bank to make a credit card payment and not use it for critical payment for the note of buying the house, that was payment was cancelled.I called few times. The folks i talked to said it looks like a fraud and you can not use your money. it is only few days since you recd the money. i was very unhappy and talked to few people. i felt very harassed. I am doing nothing wrong. We are trying to pay for the house that we are buying so i wanted to make sure this gets reported and i know what was the outcome of the system. They said they think it is fraud and they closing the account and sent money back to the sender. THIS IS UNACCEPTABLE to a common man. I wanted to put a review for future folks but i will file a complaint to make sure they get penalized for disrespecting and XXXX us where we told 'you can not use this money '. We are hard working people and someone tell us i can not use my money, it is not okay. please let me know how can i help to ensure this issue is resolved and does not occur again. If you have any questions please let me know. I am so harrassed and it is affecting everything in our lives since this money is stuck and we are holding up all the bills and not sure how we are going to make our home payment that is coming up due in few weeks. Please give these guys sever punishment and block them from providing this service to customers. 
Complaint number : XXXX was the originial complaint

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$660.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$660.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Square Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have a debit Visa card from Cash App. In the app, I can add a promotional " boost '' to the card for getting 10 % back on purchases made at specific stores. I selected such as boost for XXXX and made a purchase of a gift card at that online store, but did not receive my boost. When I inquired about this, I was advised that buying a gift card was excluded from boosts. However, nowhere on Cash App 's app or site do they explain this. I've repeatedly asked their customer support to show me an app screen or web page that explains this exclusion, and they have not been willing to do so. I believe such a page does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The company is reporting as a charge off for a car that was stole and paid out by the insurance company. This is a big hindrance to me and is making my home loan process harder. 
The company originally removed this from my report and recently out it back on. 

Stated XXXX paid the car off back in 2014 once the car was reported stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: EQUIFAX, 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:
Hello, I have never lived at XXXX XXXX XXXX XXXX, NY XXXX I have made several attempts to getting this resolved. 

There has been credit cards issued to this address under my name which is fraudulent. 

In XXXX of 2017, there have been charges in the amount of {$2600.00} for XXXX XXXX which doesnt belong to me. 

This address and card is fraudulent and it is affecting me personally. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: JPMORGAN CHASE & CO.
State: WA
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:
To Whom It May Concern, We continue to dispute the validity of the fraud charges that occurred on XX/XX/XXXX. We request that the charges of {$41.00} and {$2100.00} be credited to our current Chase Sapphire account as soon as possible without any punitive actions. 

These charges were reported to Chase Security within minutes of the alert appearing on our mobile device on XX/XX/XXXX. 

On XX/XX/XXXX we received written notice that the fraud charges had again been applied to our Sapphire credit card account for the reason You received benefit from this transaction. Despite the findings of the initial investigation, we have not received any benefit from the merchant XXXX XXXX XXXX. 

Between XX/XX/XXXX and XX/XX/XXXX we have contacted Chase Fraud four times by phone and each time promised a return call in a few days from the investigator or the Escalation Team. We have also been promised a credit of our disputed charges. None of these promises have been fulfilled. 

Respectively,

Company response to consumer: Closed with monetary relief