BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-27
Company: Shellpoint Partners, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have paid off my Shellpoint Mortgage in XXXX. They still do not report it as paid on all three of my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: CITIBANK, N.A.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I find it reprehensible that Citigroup is using social engineering to punish legal businesses that deal in firearms. 

For companies that were saved by government ( taxpayer ) bailouts and have substantial government business, they have no right to deny financial services to any businesses that are conducting legal and constitutionally protected commerce.

I will review any future personal dealings I might have with these two banks if they continue their plans to punish these types of businesses and proceed with their unjust intentions.

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 2021-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a loan for my business and tried to receive my funds and my account was frozen and locked..cant access my funds or anything at capital one bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01
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:
I have submitted a dispute 4 times to experian XXXX XXXX XXXX XXXX  adjusted and it came back that debt collector confirm the information being report is correct and its not I have provided screen shots and still nothing I am requesting to see what my next steps are with Experian they have done absolutely nothing to correct or delete the inaccuracies on my report They are clearly out of FCRA compliance I did not get nothing from the this company nor Experian

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 2022-09-01
Company: Tower Loan of Mississippi, Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
XXXX at Tower loan keeps calling and harassing my husband everyday at work about this loan We have had XXXX  XXXX times so we went in freedom debt to pay them but they refuse too. They need to quit harassing my husband at work the company is Tower Loan XXXX XXXX XXXX  XXXX IS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: ResidentCollect, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
NOTICE THAT UNDER FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g Sec. 809 ( b ) IT IS THE RESPONSIBILITY OF THE DEBT COLLECTOR TO PROPERLY VERIFY THE DEBT. YOU HAVE YET TO DO THAT AND ASSUMED WE OWE IT. UNDER FLORIDA STATUTE 83.595 IT STATES THAT THE LANDLORD HAS ONLY 5 OPTIONS. AND CHARGING ME FOR THE LEASE AND HAVING ANOTHER TENENT ARENT THE OPTION. I WILL NOT VERIFY ANY INFORMATION. IT IS MY SUGGESTION THAT YOU ALL DO A PROPER VERIFICATION WITH THE LANDLORD AND MAKE SURE TO VERIFY WHEN A NEW TENANT SIGNED A LEASE. UNTILL YOU CAN PROVIDE PROPER VERIFICATION YOU WILL REMOVE IT FROM MY CREDIT AND MY WIFES. 

This debt according to the placement on my credit report was from XXXX XXXX, my wife and I have never received notice. This was just placed on our reports on XXXX XXXX, XXXX. We have never had a chance to fight it. Tenant/Landlord laws in Florida state that a landlord has only 30 days after a tenant vacates the property to collect damages. Also I have personal proof that this property was rented back out immediately after the landlord refused to cure a 7 day notice. I can provide proof that the landlord allowed race to control a situation and that this debt in illegal under the law. The landlord showed up to the property without notice and told me that it was ok that we were leaving. This was witnessed by myself, my wife and my mother in law. This landlord will lose if this goes to court. You have taken on a debt that is unsubstantiated. F.S. 83.595 states that if the landlord relets the property the tenant is only responsible for the difference between when they breeched the lease and when the new tenant rented.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: CNG HOLDINGS INC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I am having trouble with financing I received for some auto repairs on my car. I never received a copy of my signed agreement and was told by the shop I received the services that the company will email the executed agreement. I had some family business ( caring for parents  )  to tend to after I got the   XXXX   fixed and was n't able to follow up.The company began debiting my account for the amount agreed but then they started debited my account on days not agreed  (  every other Friday  )  and caused overdraft on my account, which they continue to do. So as I tried to get information online about the contract I found out the actual financing was a LEASE contract for the PART used in the repair and after a certain time I would have to " return '' the  XXXX  equipment at the end of lease. Essentially I am renting the repairs made to my car and not financing the repair cost as I was originally was told. In neither the Tempoe agent I spoke to or the representative at  XXXX   XXXX  referred to this as a lease agreement and I was not advised the that I would be returning the repair equipment. I called in to  Tempoe  a copy of my executed agreement online and he said the agreement was on the web account. The agreement has no time stamped signature or the electronic signature I signed on the pad at  XXXX   XXXX . I have requested a copy of this and any other documents of my lease agreement and the company refuses to send it to me. The agent spoke to  XXXX  says that they do n't have hard copies of the agreement to send me. I asked him for any paperwork for this loan to be sent to me and they have failed to send it. He also, said I can purchase the equipment for a fee. I feel like from beginning there was was deceptive loan origination practices and this company is not disclosing to their customers that they are entering lease agreement for equipment financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My accounts have not been updated even though it shows last updated within a few days of me viewing my credit score and report. My credit card balances have not been updated or anything. My credit score with the other credit reporting agencies is a 56 point difference because this company Transunion is terrible and reporting wrong and incorrect information. It is fraud to have three different reporting agencies all reporting different scores. There should be one credit reporting agency and consumers info needs to continuously be updated and correct as this is unfair and causes problems for people who are trying to fix/repair their credit to say purchase a home or car etc. This needs to be fixed and Transunion needs to get correct on their reporting or be done away with period!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX  XXXX XXXX XXXX. XXXX. XXXX an account by XXXX for {$2000.00} as open. Account has also been removed but re appeared on XX/XX/XXXX. Account has been disputed before by agency and removed in XX/XX/XXXX. XXXX added the amount and reaged without informing consumers. This is against best practices. Letter was sent to XXXX to remove account as it was recorded inaccurately account was then removed by XXXX. Then opened and added on!. Several letters has been sent to XXXX with no responses. 
Then information was removed from credit reporting. The ADDED back as new account in XXXX See attachments

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 2023-02-28
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Beginning XX/XX/XXXX, PNC Bank charged me fees of {$36.00} eight times and ending XX/XX/XXXX. The overdraw fees total {$280.00} I asked PNC consultant to return at least half of fees. She put in application for fee to be returned and was told because of my credit history the bank will not return any of the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: JPMORGAN CHASE & CO.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
HI, my name is XXXX and I need help or advice for my situation. I always file my taxes with XXXX XXXX XXXX XXXX however last year, I was XXXX  with XXXX XXXXXXXX child and my XXXX are considered XXXX so because of my concerns and fear of catching XXXX, I decided to file my own taxes online. Upon reviewing what I submitted, I noticed right away that I accidentally made a terrible mistake. The last XXXX digits on my bank account for direct deposit were XXXX and I entered XXXX. I called both the Irs and Chase bank and they both assured me that my refund would not process through the incorrect bank account because neither my name nor social security number was associated with the account. Unfortunately, they were wrong, and not only did my federal and state refund go into some random account but also a stimulus payment and XXXX  child tax credit. A total of over XXXX of my money into someone else 's account. The Irs did investigate and I received confirmation letters of everything that happened however the Irs could not force Chase bank to return the funds leaving me to deal with Chase bank on my own, I have exhausted everything. I've filed several claims through the bank and they keep closing them and keep giving me the run-around, this has caused so much stress. I'm just hoping that something can be done. Please, any advice will help. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: EQUIFAX, 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:
Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
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:
My USAA member number is XXXX According to eRegulations 12 CFR Part 1026 ( Regulation Z ) titled : FINALITY OF ERROR RESOLUTION PROCEDURE, A creditor must comply with the error resolution procedures and complete its investigation to determine whether an error occurred within two complete billing cycles as set forth in 1026.13 ( c ) ( 2 ). Thus, for example, 1026.13 ( c ) ( 2 ) prohibits a creditor from reversing amounts previously credited for an alleged billing error even if the creditor obtains evidence after the error resolution time period has passed indicating that the billing error did not occur as asserted by the consumer. USAA has violated this law in response to a previous complaint on XXXX/XXXX/2017 from USAA, they state " You explain that a year later after issuing permanent credits, USAA reversed the action and is holding you liable for purchases you state you did not authorize. '' This reversal takes place way beyond the time allowed by eRegulations 12 CFR Part 1026. According to this regulation even if the creditor obtains evidence after the error resolution timeline has passed the creditor ( USAA ) is  prohibited from reversing any amount previously credited. In addition, I received notices from USAA stating the investigation was complete and all credits were final. I only learned these had been reversed after calling in as they are only listed as " transfer adjustments '' online. Shortly after inquiring, USAA removed my online access to all of my accounts and in discrimination and retaliation to exercising my rights closed this and all of my other accounts as well without any warning or detailed explanation. Even worse, I have yet to receive an account statement for the above mentioned account or any of the supporting or related documentation despite repeated requests. Making matters even more difficult it took over a month to finally receive a follow up phone call with the agent XXXX from the CEO 's office who everyone said I needed to speak with. Upon finally speaking with her, she had no actual knowledge of my account or any of the federal regulations stating USAA did not need a reason to close my account, reverse the credits despite the timeline set forth nor did they have to offer any explanation for any of their actions due to regulation Z. When I inquired about regulation Z she could n't tell me anything about it. She even stated it was found in the card member agreement, but she could n't tell me where because she did n't have it in front of her.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: United Accounts, Inc.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid the amount told for united accounts 3 total payment for delete now two are closed not deleted and one still shows open spoke to a woman XXXX told it was not her problem I need all three deleted as promised and I don't know what to do since XXXX since not her problem a manager. I need this fixed immediately like promised when I spoke about the dispute process I was doing she stated they just send the dispute back as validated it would cost to much money to go and validate every dispute they have its the customers job to figure it out with the original agency ... the original agency told me it was in united accounts now and they had nothing involved since the debt was theirs now I need these deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: Ardmore Finance Corporation
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/XXXX I received a text message from my supervisor that someone from Ardmore Finance named XXXX contacted her and that I need to call them so that a sheriff wo n't serve me at work. The information should not have been said to my supervisor and on XX/XX/XXXX I verbally advised them to not contact my job and they had no right to release that information to my supervisor. On XX/XX/XXXX I received another call at work at XXXX after advising them to not contact my job and that I will contact them from my cell phone and was then hung up on.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: FL
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:
So I sent a letter off on XX/XX/2023 ; To remove personal information that I do not want on my credit report. According to the fair credit reporting Act 12 USC 1681, I have the right to privacy. Also, according to 15 USC 6802 ; No financial institution is not supposed to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

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 2021-05-25
Company: Chime Financial Inc
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I tried logging into my online account with Chime XX/XX/2021 and got a message that my account was closed. I checked my email and found an email stating my account was closed and no further information was available. I have no idea why they chose to close my account they stated that I violated their agreement. My direct deposit from work also was set up with this account. I notified my job and they are going to help issue a paper check next payday. I have approximately {$500.00} in my account. I had 2 accounts linked together with them. Savings and a credit builder account. Both had a balance but I'm am not sure the exact amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Albert Corporation
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I closed my Albert app ( company ) account last XXXX, but the app maintained a nominal {$5.00}, or so, and thus remained active without my knowledge. Suddenly, without warning, in XXXX the app started pulling money from my bank account through ACH transfers. I tried to stop the transfers, but the app refused to let me access this function. To fix this the company asked for my bank account statements and photo ID to verify my identity, which I reluctantly did. I do not have active business with this company ( they've been silent since XXXX ) so I didn't want to resend this same information I sent them last XXXX. After all, if they lost it then, how do I know how secure my info really is? The app shows I have {$25.00} in cash and {$5.00} in savings. All I want to do is close the account, but they refuse to let me. I verified my bank account and ID. They acknowledged it was good and confirmed that I have access to the money, but the app still won't let me close the account. It says the balance must be XXXX first. It won't let me transfer the {$30.00} to my bank unless I verify my identity again and again. I am told to send my photo ID for every task I want to perform and the tasks fail anyway. Each time I complain that the app isn't working they ask for my ID again. They have already attempted to steal {$65.00}, then {$62.00} and then {$65.00} from my bank account, but my bank was successful in getting my money back. All I want is to close this account/app out as they told me they would in XXXX and have them delete my personal bank information. They simply refuse and they continue to harass my bank. Please help me close this down. All communication has been by text, so I have no transcripts. Their phone number is disconnected, so this company appears to be shady.

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 2021-04-16
Company: AAA Auto Title Loans, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I have repeatedly told cash one to not use the card on file to make a payment and I revoked the automatic payment. But they are still taking money out of my account and will not do anything about this. They are harassing with their calls too. The cash one employees over the phone are beyond rude and disrespectful, and now they are taking out money without permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: FIRST ADVANTAGE CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I noticed the residence address shows an old address from XXXX XXXX, FL. I called and asked about where the information came from. I was told XXXX. I XXXX the old address and saw there are new apartments where I used to live back when I was living in XXXX the first time. The second address where I lived at in XXXX is not even listed. I attempted to bring this to the attention of XXXX XXXX XXXX at XXXX XXXX via email. I am not sure if I guessed the right email address. I am not sure if whoever is " suggesting '' something or " suggesting '' I am to do something. This is one big "  technical glitch ''.

Company response to consumer: Closed with explanation