BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-28
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX  was placed on a two month Covid-19 assistance program in which the minimum payment due was reset to {$0.00} for XX/XX/2020 and XX/XX/2020 The account was also known as card member services was paid in full on XXXX XXXX 2020 given the minute balance due This was reported as 90-120 days past due then 90 now 60 but remarks state 90-120 It was never late this account is 8 years old with zero late pays. Proof of call logs showing when it was set during XX/XX/2020 and payment have been submitted via mail, email and certified mail inclusive of social license and deed with zero correction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: NAM National Arbitration and Mediation
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
filed for Bankruptcy in XXXX. Still getting call from collection agency attempting to collect on XXXX XXXX loan. Have a XXXX form sent from XXXX XXXX for cancellation of this debt. Received a call from XXXX Service.wanting me to pay this. spoke with XXXX XXXX XXXX, phone XXXX they called XXXX. Then on XXXX received a call from XXXX XXXX with XXXX XXXX saying I was being sued for check fraud by XXXX XXXX. Explained to this person that this has been canceled in bankruptcy, also faxed the dept cancellation form from XXXX XXXX. What can I do to stop these call. Every XXXX XXXX months I get these calls. XXXX phone XXXX. Your help is appreciated.

Company response to consumer: Untimely response
Consumer complaint received 2020-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
When ever I have a fraudulent charge and dispute it, capital one ALWAYs rules against me, after they demand more information, on charges I didnt make and have no records of. its ridiculous. How am I supposed to have information on charges I did not authorize? The first was something I actually purchased, a trailer for {$250.00}. the seller sent a rubberband, I disputed, capital one denied my claim. the last one, was today, XX/XX/2020, when I disputed a XXXX dollar charge that I never authorized, was also denied. their reasoning is I supplied no information. How am I supposed to have information on a charge i never authorized? worse bank ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-09
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern, This is my second request and complaint. 

Your company reporting a collection account ron my credit reports. According to the Fair Debt Collection Practices Act ( FDCPA ), I am disputing this debt in entirety, and you need to provide me with validation of the debt by providing me ALL of the following information : Copy of original contractual agreement bearing my signature that I have with this company A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 

ALL statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. If you can not provide everything I ask for to validate the account, then you are to remove the collection account from my credit reports. If you will not remove it. I am a litigious consumer and have every intent to sue for violations of FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-29
Company: CITIBANK, N.A.
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I recently opened personal checking and also preferred business checking accounts with Citibank. Yesterday, I linked my account ( same owner ) in another bank to Citibank for " External Transfer. '' However, Citibank puts a daily limit of {$2000.00} for online transfer to account in another bank even though they allow another bank ( via same transfer method ) to transfer In ( to Citi ) up to {$100000.00} max per day. When I called Citi support, they asked me either use Bill Pay or do wire transfer to my own account in another bank and pay wire fees every time. Bill Pay does not meet requirement of account to account direct transfer from XXXX bank to another. The only viable options are online account to account transfer ( XXXX3 bus days ) or wire transfer ( same day ). So I think it is totally unfair that Citibank insists its clients to use wire method to transfer funds to another bank for funds above {$2000.00} but allows free transfer of funds into Citi up to {$100000.00}. I was also told by Citi person that Federal regulation prevents Citi from increasing this limit above {$2.00} per day, which I am not sure is true (? ). If this was true, then why my other bank ( Tech CU ) lets me transfer out up to {$100000.00} per day. 

My multiple calls to Citibank have resulted into no clear answer or willingness to even address this problem. I would highly appreciate if someone from CFPB can investigate this and ask Citi to either increase their daily limit for online transfer of funds to external accounts or waive wire fees in such cases. Pls note online transfer takes XXXX3 business days. 
Thanks, 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 2019-12-03
Company: TekCollect Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a company Tek report on all three of my credit reports a collection debt that is not mine for the company XXXX XXXX in XXXX Texas. I contacted both companies to get the original contract that was supposedly signed by me and has my social security on it and I have yet to receive anything from them. I did some research and have proof that this account belongs to someone else similar name different social. But they are trying to attach it to me. This account was also proven to be fraud with XXXX XXXX who has the original information who we had to deal with this situation before.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
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: Personal information incorrect

Complaint:
I reached out to the CRA ( Equifax ) via a certified letter on XX/XX/2019. In my letter, I asked if they ( Equifax ) would update/correct my personal information on file with their agency, which included removing ALL non-deliverable names, addresses, phone numbers, and employers. To this date, the CRA ( Equifax ) has NEVER responded nor corrected my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Navient Solutions, LLC.
State: PA
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: Problem with personal statement of dispute

Complaint:
Navient -improper billing procedures. When request for financial hardship application was submitted I was told it would be weeks/months before I would get the application, but not to worry as I would be placed in forbearance in the meantime. Was then reported past due, both 30 days and 60 days at the same time after no application was received. When I called to ask why this was, I was told I would receive a letter showing my accounts in good standing and my credit report would be amended within 90 days. 5 months later and I since was told to request the amendment in writing after it didnt fall off the report within 90 days. After 29 days I called to ask what the status was and was told they have 30 days to respond and still had no answer. They received the letter on XX/XX/XXXX and have sent no response as of XX/XX/XXXX ( 34 days ). They are now refusing to amend reporting, stating that it is accurate even though the original issue stemmed from them not sending bills in the first place. In 7 years Ive had XXXX missed payments on any accounts now, as I was in the process of buying a home, my rekey shows XXXX missed payments and they refuse to amend this. They also through the years have steered me to deferments and forbearance instead of income driven repayment plans and finally ( while they were steering me towards yet another deferment ) I demanded an IDRP. I believe they are intentionally leading away from payment plans so that the interest builds up and I also believe they have practices that lend themselves to default/late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
On XXXX XXXX, 2015, the Jeep wrangler I was leasing from Chrysler Capital was totaled in a car accident. My insurance carrier submitted a check in the amount of {$37000.00} to cover the balance of the lease pay-off. Chrysler acknowledged that the check was received in their mailroom, but was somehow lost. I contacted Chrysler to find out the status of the pay-off check several times. 
During this time I continued to make the scheduled payments which were due on the XXXX of each month. I was also required to pay a {$490.00} lease return fee, even though the car was not returned, but totaled in an accident. 
Chrysler accepted my payments and assured me that they would credited to my account because they were not late and my credit would not be adversely affected because I continued to make my scheduled payments. In fact Chrysler Capital sent a refund check for approx. {$1700.00} to reimburse me for the payments I made during the time they are claiming I was late paying them. 
This turned out to be untrue, Chrysler intentionally reported late payments on my credit even though I made my payments within the time frame required. 
Attached is a complete history of my payments to Chrysler Capital.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: Bayview Investment Group LLC
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
on XX/XX/2015 a collector call my place of employment and tolled the secretary that if i do n't pay he was going to have myself arrested and that i was going to lose my job.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: ONLINE Information Services, Inc.
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have repeatedly disputed this information. They have not once provided me with any information verifying that the debt belongs to me. They have not furnished any signed documents or contracts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: ONLINE Information Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a notice from On Line Information Services, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX reference # XXXX for a collection on behalf of " XXXX XXXX '' in the amount of {$480.00}. I notified the collection company that the debt was NOT mine, as I have never had an account with XXXX XXXX. They claim to have verified that the account is mine, and sent a copy of a bill addressed to XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX. 

I have never lived at the address. In fact, the date of the debt is XXXX -- I have lived in XXXX from XX/XX/XXXX to now. Prior to that, I lived in XXXX. They have not done due diligence to verify it is me. There must be a million " XXXX XXXX. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-05
Company: Experian Information Solutions Inc.
State: VA
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 this negative remark in my credit report, by XXXX  XXXX XXXX. this is not mine, i have written the bureaus over a year, and XXXX  XXXX XXXX ( XX/XX/2021 ) asking for validation, of this debt. They have refused to validate, the credit bureaus, only saying it has been verfifeid which is clearly not the same. theses large giant companies, flaunt the rules, and the credit bureaus are in bed with them, verifying and validating are two different things, i'm a single mom looking to buy a home, and this erroneous mark is preventing it, can anyone please help me.

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 2018-07-24
Company: REGIONS FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been charged over {$1000.00} in overdraft fees by Regions back over the past year. I am a XXXX  XXXX who also works full-time making the Illinois minimum wage of {$8.00}. The fees charged by regions are exorbitant. While they are technically " legal '', they are predatory with no relief for the struggling consumer. For instance, my most recent overdraft was caused by a single bill which automatically comes out of my account. However, because other items were pending, that single bill cost me {$210.00} in a single overdraft fee for multiple items that were " pending '' despite being drafted from available balance. {$210.00} for a {$91.00} overdraft which I covered by depositing money into the account the same day the charge appeared on the account. This is absolutely predatory as a charge for charges that are still pending. I brought the account current before the charges posted and am still having my hard earned money stolen from me. And the CFPB is supposed to protect consumers? Where is our protection from blatant theft like this? With so many companies forcing automatic withdrawals such as XXXX, XXXX and other services, it becomes exceptionally difficult for those of us making next to nothing to accurately monitor an account which always sits so close to the overdrawn mark. This practice of punishing the less wealthy for being less wealthy needs to change because what I would like to see, is the option to have an account that just simply declines ALL purchases that overdraw the account. If the money isn't there, don't pay it. I would much rather pay a late fee or a have a service shut off that be charged {$210.00} in a single overdraft!

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 2020-04-09
Company: DISCOVER BANK
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I SPOKE WITH SOME AT DISCOVER THEY TOLD ME TO WRITE A LETTER AND SEND THEM A COPY OF MY LICENSE.I TOLD THEM THAT I HAVE DISPUTE IT WASNT MIND THEY SUIT ME AND HAD IT TOOK FROM MY PAY CHECK ITS A XXXX BALANCE BUT I NEVER OPENING A ACCOUNT WITH THEM.I ASK FOR PROVE OFF THE ACCOUNT WHO AND HOW IT WAS OPEN WITHOUT MY PERMISSION AND I HAVE A FRAUD ALERT ON MY CREDIT SINCE XX/XX/2017 AND THE ACCOUNT WAS OPEN IN XX/XX/2017 and had two phone number on the account that wasn't my number this is affecting my credit really bad.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-09
Company: Franklin Collection Service, Inc.
State: CT
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:
XXXX XXXX has reported an account on my report 2 times through two different collection services. Both are reporting same account, same amounts on my credit, each month they re report these accounts as new. this one account was acquired in XXXX, they have the account opened through XXXX XXXX XXXX on XX/XX/XXXX and again through Franklin collection sv saying it was opened on XX/XX/XXXX. This account from XXXX XXXX was settled prior to this continue reporting in XXXX, I purchased my new home in XX/XX/XXXX, and prior to credit approval I paid XXXX XXXX  and had the XXXX removed. After I moved into my home the collection servicing company put this back onto my report on XX/XX/XXXX. and then it went to a new collection servicing company and was reported again. I can not find the receipt of my payment in XXXX, moving things got lost in the process. I do not owe either of these, but if I need to keep it on my report, then one of  the reporting agencies needs to be removed. And they need to stop re reporting it as new.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
These Inquiries I did not authorize. i have also contacted these companies and asked for removal and they directed me back to the credit reporting companies to dispute. Some inquires were done on the same day or some companies every other day. I attached XXXX email from a company I asked not to submit my credit to all these different banks and they done it any way. 
he following information is part of your credit history and is provided to others. 

XXXX XXXX BANK Date : XXXX XXXX, 2016 XXXX RESIDENT SCREENING Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX Date : XXXX XXXX, 2016 XXXX RESIDENT SCREENING Date : XXXX XXXX, 2016 XXXX CREDITXXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX This item is currently being investigated. Date : XXXX XXXX, 2016 XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 THESE ACCOUNT LISTED BELOW ARE NOT MINES AND SHOULD BE DELETED. 
1. XXXX Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 

2. XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 

3. XXXX XXXX BANK Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 

4. XXXX BANK DELAWARE Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 

5. XXXX BANK Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 

6. XXXX BANK Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off.

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 2016-12-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I hold XXXX fully responsible for this derogatory collections on my credit report with Experian. They failed to provide proof of this debt and failed to place a dispute on my credit report ( by means of a letter which was sent certified on XX/XX/2016 ). This was for account # XXXX. On XX/XX/2016 I sent a letter regarding the claim and charge off on my account. I requested validation of this account ( by means of a second certified letter XX/XX/2016 ) and none was given as well as they did not place a dispute by consumer on my credit report. XXXX as not sent the appropriate verification by the FCRA section 609 ( A ) ( 1 ) ( A ). Then XXXX has not responded to any of my inquiries since XX/XX/2016. I would like this to be removed from my credit report or I will file a lawsuit. Thanks

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