BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX I received a check from a company called XXXX XXXX XXXX to participate in a paid adverting program. The program was to pay me weekly to advertise their company on my car for 3 months. I was to receive the check ( in amount of {$1900.00} ),  deposit it, keep my portion of {$450.00}, and pay the remaining to the company that will was my car. On the day of XX/XX/2020 I called my bank XXXX XXXX to speak with the fraud department to see if they can check to make sure the check is legit and not fraudulent. The employee I spoke with advised me they are not able to check but informed me that at the worst the check would be deducted back out my account it is not a legit check. He also informed me to contact the bank on the check ( Fifth Third Bank ) to confirm funds and to give myself peace. On XX/XX/2020 I called Fifth Third Bank ( listed on the check ), to confirm the check is not fraudulent and to make sure funds for the amount were available. The employee I spoke with confirmed that it was a legitimate check and the amount of funds in the account would cover the check. As the check continued to show as " pending '' in my account I stayed in contact with the XXXX XXXX to keep them updated on the process. On XX/XX/XXXX, I received a return check for the check amount in addition to a {$15.00} return check fee. I received another return check on XX/XX/2020 for the check amount and additional {$15.00} return check fee again. On XX/XX/2020 I reached out to my bank XXXX again to ask fo clarity and was treated as to I was trying to deposit the check over and over. Which I was not, hint the reason of me calling. I was later transferred to the fraud department that treated me as if I did something wrong. My account with the check deposited in and my personal account I share with my husband was then froze and currently still is by XXXX XXXX. That is why I asked both banks in the beginning was everything ok not fraudulent with the check. On XX/XX/2020 XXXX XXXX deducted {$1800.00} out of my joint account I share with my husband ( which is not the account the check was deposited in ) and deduction {$170.00} out of the account the check WAS deposited in.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Upgrade, Inc.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I signed up for a {$400.00} bonus offer from Upgrade. This offer was published on the XXXX XXXX website. The offer was to sign up for rewards checking, fund the account, make 3 debit card transactions within 60 days, and the {$400.00} bonus would be deposited to my checking account. There were no other requirements in any website including Upgrade 's website. 
I met all the requirements and called about the bonus. At that time I was informed that there was an additional requirement. That was to join the XXXX XXXX XXXX XXXX, open a line of credit and secure a loan. I told them that requirement was not listed anywhere on the website 's offer. I was told that was the requirement anyway. I asked what the interest rate was for the loan and how much I was forced to borrow. They said they couldn't tell me and I would be notified of that information after I signed up for the line of credit. I told them I was not interested in taking out a loan or opening a line of credit with this credit union that I knew nothing about, and I was told if I didn't join the credit union and open the line of credit then I would not get the {$400.00} bonus. 
I called the XXXX XXXX XXXX XXXX and they said they knew nothing about the requirements for the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The bank 's electronic payments system does not issue payment when requested, and tries to mask this deficiency by not allowing the account holder ready access to information on pending transactions. This has resulted in one double payment to a vendor and and now two more are pending. The bank has said that they can not cancel a transaction when it is in the " pending '' phase, however payment dates are 4 and 5 days away. To top it off, the customer service rep hung up on me. So much for 167 %, now I'm paying 200 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
can not contact experian, requesting a credit report online gets to an 'unknown error ' page, and asking me to send them a letter by US postal service - seems like they do not provide a service that works for what is available in 2016, artificial impediments.

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 2016-07-24
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
Equifax ( Deceptive Business Practice ). 
This credit reporting agency changes my credit score ( usually lowering it ) whenever it suits them, and without ever providing to me any type explanation or reason for doing so. The most recent time was today, XXXX XXXX, 2016. While nothing changed in my financial circumstances since this agency 's last report of my credit score six ( 6 ) days ago, this agency lowered my score again, and I have absolutely no reason why it was lowered. Equifax 's website is secretive, in that it provides no rational manner in which to contact and dispute the altering of my credit score. I have complained to the XXXX and Office of the Attorney General of Pennsylvania but with little or no results. I am requesting that your agency intercede in this matter in an effort to have Equifax provide to me an exact reason or reasons whenever my credit score is lowered or increased or altered in any manner. Every time I check my credit score with this agency, I get ready for a surprise, and I do not like surprises. Please contact me if perhaps you should require any additional information regarding this matter. Respectfully yours, XXXX XXXX XXXX, XXXX. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: CITIBANK, N.A.
State: NY
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 wrote to XXXX and XXXX XXXX XXXX located in XXXX DE at the direction of Citibank as Citibank said they are no longer handling my debt on my credit report. I made sure I sent certified mail on 2 separate occasions. I sent them ( XXXX and XXXX ) a letter XX/XX/2022, and XX/XX/2022 and to Citi themselves XX/XX/2022 and requested any sort of verification, validation, fee breakdowns, etc. No one has responded ever. I asked for them to validate and verify the debt as the amounts I owe are unclear and no one can seem to give me a breakdown of fees and no one is willing to help me. I can't even pay the debt if I wanted to yet it lingers on my credit report. i have also disputed this with the credit bureaus and they have failed to help either. They continue to lie that they verified this account - but that's not possible as the reporting is incorrect with an incorrect balance, it's been illegally re-aged, it's reporting current and has been closed for years.. No one will help. I need you to step in! THis is my credit and my livelihood.

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 2017-04-30
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Had a citi bank Best Buy card. Always paid on time and have always been in good standing. Looked today at balance and called them only to hear they closed my account on   XXXX   XXXX   XXXX     when card was up for renewal. I have never had an issue, always had low utilization on it only to be treated second hand by this company. It is sad when you are nixed by a company being a good customer. Seems like that is n't what they are seeking.

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 2016-05-05
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: ME
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
I called ACE yesterday & person said they had no info for me except that my case # XXXX was sent to XXXX XXXX XXXX. Telephone # XXXX XXXX XXXX XXXX. 
I have been harrassed & threatened by numerous parties including the XXXX previously mentioned. 
A person claiming to be Attorney XXXX XXXX from XXXX left a text on my cell threatening arrest & 6 months jail time. His telephone # XXXX XXXX XXXX XXXX. The telephone # he said to call is XXXX XXXX XXXX XXXX. 
An Officer XXXX from XXXX XXXX XXXX Court called me yesterday & said an officer would come today to serve me with a Deposition Warrant & I could be held. He said he could not give me any info on what it was about or who was involved but gave me a # to call. ( XXXX ) XXXX. That # ended up being another attorney XXXX XXXX from XXXX, XXXX XXXX XXXX XXXX. He said I owed {$270.00} to ACE. 
The amount owed according to ACE is {$250.00} from 2013. 
I had been helped initially by Attorney XXXX. 
It was my understanding the situation had been resolved. 
I had continued to receive calls from XXXX. The XXXX stopped their harassing & threatening calls. 
Some calls were automated & said for me or my representative to call them. My personal attorney XXXX XXXX of XXXX did call but no one answered. 
Most of the calls received were automated and only partial info was clear. They did not clearly state their name, the company they worked for or any other info. 
Naturally I assumed these were scams. 
Also the calls come from several different area codes and numerous calls a day. 
At XXXX point the message said it was check fraud which I thought was a scam because I do n't write checks. 
My bills are all online & paid online. 
I always pay my bills even if I need to make payments. 
I would appreciate any help & /or advice you can offer me. 
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09
Company: Dyck-O'Neal, Inc.
State: MD
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
On XXXX/XXXX/XXXX, I submitted CFPB Complaint # XXXX. Dyck-O'Neal was attempting to collect on a debt that was a result of identity theft. The complaint was resolved, Dyck-O'Neal, agreed the debt was the result of identity theft, and Dyck-O'Neal deleted the credit line that appeared on my credit report. Two months later, Dyck-O'Neal issued me a XXXX indicating that it " cancelled a debt. '' I filed CFPB Complaint # XXXX, indicating that the issuance of the XXXX was in retaliation for my CFPB complaint. The following day, Dyck-O'Neal responded to the complaint indicating that the XXXX was issued in error, and that a corrected XXXX would be issued. In an apparent total disregard for the CFPB, Dyck-O'Neal appears to have sold / transferred the original debt that was the result of identity theft. On XXXX/XXXX/XXXX, four months after Dyck-O'Neal agreed to delete the credit line, I received a collection letter from XXXX , XXXX XXXX XXXX, XXXX attempting to collect the debt that was a result of identity theft, referencing both Dyck-O'Neal and the Dyck-O'Neal account number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT XXXX REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE ENCLOSED AND SENT THE FEDERAL TRADE COMMISSION THE INFORMATION ALONG WITH THIS AFFIDAVIT. I DEMAND THESE ITEMS GET REMOVED IF NOT I WILL PROCEED WITH GETING MY LAWYER INVOLVED WITH THIS INCORRECT INFORMATION THAT XXXX ARE REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: MRS BPO, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a natural person/ not a third party I just know my rights I have never enter any contract nor did any business with MRS BPO AKA MRS ASSOCIATES. This was a fraudulent account open under my name and I did not do any business with att nor this debt collector and the I gave notice to both of the companies. This is a violation of the FDCPA!!!! I sustained damages and I demand reimbursement!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
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:
You are reporting inaccurate and fraudulent information on my credit report. I have tried contacting you several times to rectify the matter. I have gone ahead and filed a complaint with the Federal Trade commission regarding identity theft. I sent the necessary documents in with tracking which you received verifying that I am the one in fact disputing the fraudulent activity on my 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 2022-05-20
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 

XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. This ground for removal under : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2017-01-27
Company: National Credit Adjusters, LLC
State: MI
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this debt in 2013. I have repeatedly told this company i do not owe them money but they continue to send me harrassment letters and threatening me with jail time and check fraud. I did none of theses! Here are my payments made XXXX/XXXX/2013, {$200.00}, Confirmation # XXXX XXXX/XXXX/2013, {$200.00}, Confirmation # XXXX XXXX/XXXX/2013, {$180.00}, Confirmation # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: Veros Credit, LLC
State: UT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My car 's been towed by repo. So I tried to make payments and get my car back. 
Then I made the payments a week ago from now, and agreement with 2months extension, but I did n't get my car back yet. 
Now I try to call to them and talk about this, but they do n't answer. 

After read the critical reviews about that company 's services, I 'm sending this complain to CFPB because now I 'm so confused what I 'm gon na do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
These Ace cash express people keep calling evey one they can about a debt that is in my name. They even called my ex husbands wife at work in the middle of her work day to harass her. This is not my debt, I have never taken out a pay day loan and this is n't even on my credit report. After speaking to my ex husband he stated they have been calling him and harrassing him for the last two years, however these people have not contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
hi. i'm thrifty loyal reward member. i'm traveling almost every week while the whole world is indoor. when i showed up to the counter with my reservation i showed the clerk my reservation for a standard suv but he said i reserve a buick encore. small suv i told him i rented the XXXX but modify the reservation for the XXXX XXXX a bigger suv, more safe, at {$35.00} per day.i showed him a screenshot photo as proof. after 20 minutes he said i'll give you the suv no problem. i asked at the same price i rented? he said yes. he never showed me anything. i didn't signed. my profile its in the computer. he just gave me my space number.after i returned the car i received the folio by email with a {$40.00} surcharge for the alleged upgrade and {$42.00} a day. i emailed thrifty never got an answer. i called chase 3 times. i asked for a manager. a manager called me 3 days after i said i have proof please allow me to mail you the proof. she agreed to mail me a letter were i can answer questions of the dispute and mail a copy of my screen shoot. it never happened chase close the dispute and alleged that thrifty is right. chase id=s denying my right to present my defense and proof. chase is not a neutral party. chase is taking the merchant side without any investigation. a total abuse. i don't have to tell you that i rented my car this week with another rental company and cancel my thrift reservation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-02
Company: AMERICAN EXPRESS COMPANY
State: NY
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 rewards from credit card

Complaint:
When i try to credit my american express blue cash credit card and other american express cards with my rewards dollars the reward dollar site page does not let me credit my account. Only when i call american express and complain they fix the problem right away and i can then credit my account. This happens about 50 % of the time i try to use my rewards dollars to credit my bill. I believe this is done to frustrate the card holder from requesting reward dollars credit. This occurred again today X/X/17. I am sure this is a common practice with american express card holders.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2017 I submitted a list of items that were unknown to my records and also unverifaible. I waited on a response and after 2 months I have 0 results.

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 2023-01-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Portfolio Recovery is calling me about a debt I was completely unaware of having. The bills and debt collections were being sent to my parents address and not my address. My mother handed me a stack of mail that had all of the bills from the originator and the letter for the debt collector which I am wanting to dispute. I am happy to pay the debt but would like to have this removed from my credit report due to the bills going to the wrong address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Bridgecrest Acceptance Corporation
State: MO
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation