BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The Transunion Credit Services website design causes the consumer to signup for their credit monitoring services when they are just trying to pull their individual credit score.

The website is designed to have the applicant become a ongoing member instead of a 1 time information seeker. This is bait and switch. 

The design is intentional.

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 2017-06-21
Company: United PanAm Financial Corp.
State: MI
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:
The car was repossed. They say the balance is {$6600.00}. When I talked to the agent back in XXXX XXXX of 2016 they told me the balance was half of that.

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 2022-01-04
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Collection agency refuses to provide me with FDCPA, FCRA and XXXX FDCPA ( time barred debt collection attempt ). Agency says that the have 15 accounts for me but only a single account number. Disputed debt is a timeshare that they allege that I purchased in XXXX ( I did not ). Collection agency indicated that they entered my Connecticut address ( gone since XXXX ) with a XXXX, California person with the same name as me, creating a cross-file that Im sure he wouldnt be happy with either. A call to the timeshare company XXXX last name refused resulted in her telling me that I had 5 timeshares from XXXX and that the statute of limitations doesnt apply to them because they create a new account every 6 months! The date they obtained my credit report was XX/XX/XXXX. When I asked for my rights letter, XXXX XXXX admittedly an alias said they sent it to the other person with my name. I asked her to send me a notice but she said she would close the account ( she didnt ).

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 2019-12-04
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened account and had {$500.00} direct deposit on XX/XX/2019 and no {$100.00} bonus has posted to my account. 

Terms say : " To redeem this offer you must receive a direct deposit of payroll or government benefits to your Account within 60 calendar days of your receipt of this offer. Excludes tax direct deposit. Your receipt of this offer is the date that you establish a Flare Account, including completing account activation and identity verification, as determined by our system-generated time stamp. A credit of {$100.00} will be applied to your Account within 30 business days of receiving qualifying direct deposit. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: EQUIFAX, INC.
State: DE
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:
According To The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Section 623 ( a ) ( 1 ) ( B )., There are several accounts listed on my credit report XXXX, XXXX, XXXX XXXX XXXX that read incomplete and I have a right to dispute incomplete or inaccurate information in your report according to Fair Credit Reporting Act 15 U.S.C. 1681 Section 623 ( a ) ( 1 ) ( B ). These Matters DO NOT Show On Any Other Credit Reporting Agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Diversified Consultants  is acting as a collection agent for an alleged debt I owe  XXXX  from  XXXX . The amount of the debt includes an amount for equipment which was returned to  XXXX  but for which  XXXX  is nevertheless demanding payment. Since  XXXX  different collections agencies have attempted to collect on this debt. I 've disputed the amount with each and it was ultimately removed from my credit report.     In  XXXX ,  XXXX   Diversified Consultants  again reported the debt to by credit bureau. They also re-aged the debt to appear that it is from  XXXX ,  XXXX , when they apparently received it for collection. I contacted the company and offered to pay the undisputed amount, but also asked that they remove the information from my credit report as it was incorrect. I was transferred to a manager, who told me that it is possible that  XXXX  received the equipment but also charged me for it because the time frame in their return policy is " very strict ''. She also repeatedly told me that under the FCRA they could not remove the information from my credit report -- '' even if  [ I ] p aid the full amount. Even if  [ I ]  paid {$1000.00} more.     The information the company has reported is incorrect in both the date and the amount owed. Further, the company incorrectly stated the law as provided under the FCRA, and used the FCRA to justify continuing to report negative incorrect information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NCA has never provided the contract with my signature. The payments stop coming out of my account because it was not mines and the bank account was closed due to fraud. The documents have also been edited by NCA, I did not have the telephone number XXXX until XXXX. Furthermore, that was not my address during XX/XX/XXXX. During my move, a box was stolen out of my possession with my bank information and past paycheck stubs.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: AES/PHEAA
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XX/XX/XXXX I started to repay my student loans from the State University of XXXX XXXX - College of XXXX XXXX XXXX XXXX in XXXX, XXXX. 

My payments were just under {$500.00} per month ( approximately {$480.00} ) In XX/XX/XXXX after paying close to {$60000.00} ( over what I originally borrowed ) I stopped paying. 

In XX/XX/XXXX, a garnishment was placed on my paycheck and now {$220.00} is taken each paycheck for the past year and a half. Also my XX/XX/XXXX income tax return ( {$4600.00} ) ; XX/XX/XXXX income tax return ( {$3000.00} ) ; and XX/XX/XXXX income tax return ( {$750.00} ) have been swept.

As of XX/XX/XXXX approximately {$9000.00} of income and {$8400.00} of income tax refunds have been taken for a student loan debt that has not already been paid off but supposedly still is {$60000.00} of a remaining balance. 

At this time I am requesting that my Public Service Loan Forgiveness approval be activated so this can be resolved and the garnishment be removed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: JPMORGAN CHASE & CO.
State: OH
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:
I started a new job and was sent a phishing email that I thought was real. It had me send {$700.00} through XXXX on my chase account. I called them immediately to get it fixed and they said they couldn't do anything. I want to dispute this and get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: R & B Corporation of Virginia
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I used to have XXXX for my cable services, they took over my prior cable company. This Company continued to overcharge me and finally I decided to change Servicers. 
On or about XX/XX/ 2019, I had XXXX install and take over all my cable/internet and TV. I chose to keep my phone number which never was released by XXXX. This lost me my phone number that I had established for nearly 18 years. 

On or about XXXX, XXXX sent a bill and I paid all that was priorly owed for the time having services. I never had any remaining bill outstanding. 

Despite that I had no longer had their services, they knew this and continued to charge me and refused to stop charging me. I had filed two disputes and after filing with two complaints one with their own Corporate Office, which was never answered in any manner, and the other with Ca. State Agencies consumer protection. I assumed they finally realized they were billing me for services that I no longer had. 

XXXX appears to have hired a Debt collection Company named and has added a collection on my credit report. This Company never confirmed or showed proof of any such debt. This Company was informed that No such Account existed and XXXX continued to charge me. This is unfair and now having hurt my credit ratings and this is seriously effecting me. 

There was no services rendered and it was impossible as I had XXXX and now it appears they are backdating bills and all was paid prior to the switch to XXXX. 

Additionally, XXXX stated " they would pay '' any remaining charges to Switch. 
XXXX  never paid anything either. Now, this defeats the reason for switching was to lower bills. Not to double up on bills and receive less service. 

I placed a credit dispute to this Third Party Debt Collector and they provided that I had an Account. However, I DID NOT HAVE ANY ACCOUNT AFTER SWITCHING TO XXXX This Company is " out of state '' and has no phone number listed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA. XXXX. 

They are falsely representing that I owe a debt. This is on my credit as recent as XXXX XXXX 2019. Stating a false figure of XXXX They state I was delinquent in XXXX XXXX 2019 this is not true. They have provided No proof and there can be no true charges for services after I switched my cable/TV and internet. XXXX gouged me and I was tired of their games and unfair business practices. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hello - This complaint is against  Fifth   Third  Bank. This complaint is in regards to unfair business practices under the fair credit reporting act. This complaint is also in regards to fifth third bank engaging in unfair treatment and practices against minorities. In the past fifth third bank has been ordered to pay over  XXXX  for lending violations. While, this is not a lending violation it is a matter of fairness.     Fifth third bank accessed a 30 day late notice to my mortgage account after there was a mix-up regarding setting up automatic bill pay. Because there was confusion in the past, I was under the assumption that automatic bill pay was setup and there were no issues. However, that was n't the case. On  XXXX   XXXX ,   XXXX  , I call regarding the account and was informed I was 30 days late. I immediately paid the account and begin to investigate. The facts are ; 1. On  XXXX   XXXX    XXXX   - The fifth third agent said on a recorded line that the bank did not have a number to call me. She took my information and said she would update my file.   2. Fifth third bank never called me during the 30 days of  XXXX  to let me know the account was behind.   3. Fifth third bank send  1  letter - because I travel weekly, I did not receive the letter. Which is why a call or having bill bank established is critical 4. Fifth third bank indicated in written communication that they never called me 5. Fifth third bank called me regarding my loan for the first time in almost  XXXX  years on  XXXX / XXXX /  XXXX  . This is no coincidence.   6. The rep from fifth third bank stated that the late date could not be removed because it 's accurate and the bank made no mistake. However, that statement is false, according the fair credit act, a lender can correct or delete negative information reported.     I 'm asking that the 30 day late date be removed due to the following ; 1. Inaccurate information given to the consumer 2. Fifth third bank failed to call me regarding my mortgage. While they may not have to call, it 's the right and FAIR thing to do to keep customers from getting behind. Because the bank indicated I never received a call, I 'm asking that the bank assume responsibility for not doing all they could to protect me.   3. There was clearly a mis-communication between myself and fifth third bank regarding the automatic bill pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: AMERICAN EXPRESS COMPANY
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Complaint about  American Express  :  1.  Have formerly been a  XXXX   XXXX   XXXX   XXXX  with {$20000.00} credit limit for 15 years.   2. Applied for a  XXXX   XXXX   XXXX  gold card with an offer of  XXXX  fee miles.   3. Airport agent applied for card using my first and middle name rather than my first and last name.   4. Card arrived with wrong name.   5. I immediately called " Customer Care '' at Amex. Took  35  minutes trying to do name change over related to the new card over the phone and was not successful. Amex sent me an email link to submit drivers license on line. After successful submission on-line, I never received confirmation.   6. After a week elapsed I recalled customer service number on the back of the card. No record of submission of name change was found by another on-line representative. I continue to receive mail from  Amex  for the unusable credit card. In another  35  minute call  AmerEx  now claims the on-line name change does process does not actually work and that they will send name change by mail. No electronic confirmation of this mailing was received as promised.   7. Amex would not allow me to speak to a supervisor. There is no on-line information about how to file a complaint. I feel completely adrift, but have stayed with the name change process only to see how abysmal  Amex  has become as a company. Time for new corporate management.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
There was a beneficiary account open in my name and social security number back in XXXX. I have not received a dime from this account. The payment is directly deposited into my mother 's account- the legal owner of her private account. As the beneficiary I am the legal owner of that beneficiary account. Wells Fargo knows of the rights and responsibilities when it comes to these type of accounts. I walked into the bank mid XXXX and spoke to an account manager. I explained the situation and the manager denied me of any information regarding the account. I was told since I was not the owner of that private Wells Fargo account they would not be able to disclose any information. The beneficiary becomes legal owner of the account automatically when the benefactor does. A beneficiary does not necessarily need to be closely related. The beneficiary may be a survivor that the benefactor chooses for whatever reason. There is no reason why the beneficiary should not be informed of this account. In XXXX I was attending community college XXXX XXXX XXXX XXXX I graduated in XXXX with a well earned XXXX gpa and transferred to XXXX XXXX that same year in the Fall of XXXX. XXXX XXXX is almost impossible to get into. There is no reason why this account should be kept from me. Slander and defamation -calling someone irresponsible- are not legally acceptable reasons to deny someone what is already theirs. I am requesting for the file related to the beneficiary account to be sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. Please be assured that legal services will be sought after through Inspector General. I would like a full reimbursement for the back pay as one lump sum.

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 2021-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 checked my credit report and I have a negative 28points meaning 28 points subtracted from my XXXX credit score for Capital One it reads a remark is added to your account from Capital One.I called Capital One I was told everything was fine on there end. I called XXXX  XXXX thats the only one reporting this so far XXXX they said it came from Capital One. I have a XXXX balance and never been late on this account opened about 2 years ago. Im trying to buy a house and this information is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account became froze on XX/XX/2020. I have faxed my documents 4 times & uploaded documents also twice. They have gave me 3 + fax numbers, they have gave me all the wrong dates and information. I faxed a copy of my social security card 4 times, my birth certificate 3 times, my expired ohio state ID 4 times, cable bills, my food card, my us bank reliacard, my forms from the bank about a dispute, I uploaded my payment history for the last several weeks from unemployment, my bank account or debit card preference info from unemployment twice and the receipt from the faxes I faxed also! I have been laughed at when I was crying & begging for help!!! I have all the call logs and if they was listening to my previous calls that have been made by myself to the company over 20 times you could hear the lies and wrong information given to me time after time and again! They lie, hold your money and won't try to help ppl.

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 2021-05-18
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have been making payments on this loan for over 18 months and my balance is even higher than the original loan amount. I didnt realize they are charging me a 59 % interest rate until I did some further diving into the loan details. When I inquired about bringing the interest rate down, I was told this wasnt an option. This is XXXX LENDING

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Recovery portfolio is trying to collect a debt that is no longer valid in the state of California because of the 7 year statue of limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: CORELOGIC INC
State: NY
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:
XX/XX/2017 CREDCO RE : Request for investigation of Unauthorized Inquiry I check my personal credit report and found an unauthorized credit inquired with your bank information I haven't give the authorization to any institution to check my credit. I request the you initiate an investigation to determine who authorized the credit inquiry. If, once your investigation is completed and you find my allegation to be true, please remove the unauthorized inquiry. if you find the inquiry to be valid, please send me a description of the procedure used in your investigation within 15 business days of the completion of the investigation. 
Thank you : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: SC
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:
The below are very erroneous and it is impacting my life my credit score. FCRA Section 623 ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: IL
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:
n accordance what the fair credit reporting act convergent Account wow services has violated my rights15 u.s.c 1681 section 602 A States I have the rights to privacy 15 u.s.c 1681 section 604 A section 2 : it also states a consumer reporting can not fumish a Account without my written instructions n accordance what the fair credit reporting act XXXX  Account XXXX has violated my rights 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 : its also says a consumer reporting agency Can not furmish a 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 non-monetary relief