BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-10
Company: Dakota Financial, LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XXXX XXXX XXXX XXXX I purchased equipment with XXXX XXXX XXXX when the seller was speaking to me I asked him how much the interest rate is? He said once you sign a contract with Dakota financial you will get an interest rate. I trusted him but what he was saying was wrong because he need a money. After signed the documents I didnt see an interest rate on the paperwork. I asked him again I dont see any thing on the paperwork he said again you will getting it once you come checking the truck and Dakota financial said first of all you have to come check the truck and the will shows the rate I trust him again. Thereafter I talk to dakota on phone call they said no interest rate on the paperwork we can shows if you agree with your seller. I left them I get back home in XXXX, TN from XXXX, MO. After getting back home I ask the seller to send me the down payment I paid to them he said no they changed their minds you can come back to pick up the truck they will put to interest rate, I ask asked him how much interest rate, he says I dont know they will let you know so now i request for payoff letter to see how much I owe them because I ask them again how much interest rate they told me again they are no interest rate and principal amount on the paperwork truck was {$89000.00} I paid {$23000.00} And monthly payment is {$2900.00} I pay on time But they gave me a payoff letter of {$110000.00}. before this they supposed to finance me {$66000.00} if you ask them where they $ XXXX {$23000.00} for Down payment total is {$160000.00} For the truck cost {$89000.00} and down payment of {$23000.00} What is the mistake i have done to get this penalty of the bank like this, please help me. Truck I bought it was as is I spent a lot of money to fix I work for 1 or 2 weeks and the truck is breaking down so Im so tired because the insurance need me truck as well my familys members Personal bills at home, I am not happy because I am going to stop my business, my job I like because of Dakota financial they told they will take it to the Auction and report me ni the collection but I dont fail to make a payment for my truck it because of them need more money from me I will work for someone else and everything will be okay. 



Thank you for your support

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, XXXX was disputed on TRANSUNION CREDIT SERVICES. THE WEEK OF XX/XX/XXXX XXXX XX/XX/XXXX, Transunion deleted information due to lack of verification. On XX/XX/XXXX, XXXX was reinserted without any prior notification. On XX/XX/XXXX, XXXX accepted the debt validation letter that was sent. XXXX has not sent any validation notices to show proof. It was requested to provide 1. the original account-level documentation reflecting all purchases, payments, or other actual uses of the account ; 2. a document signed by XXXX XXXX evidencing the opening of the account forming the basis for the debt ; 3. the name of the creditor at the time of charge-off, including the name under which the creditor did business with our client ; 4. the last four digits of the account number associated with the debt at the time our clients last monthly account statement, or, if not available, at the time of charge-off ; the charge- off balance ; 5. XXXX method of calculating any amount claimed in excess of the charge-off balance ; 6. a copy of the statement where XXXX offered to provide our client ( within 30 days of a written request ) with copies of a document signed evidencing the opening of the account forming the basis for the debt ; and the original account-level documentation reflecting a purchase, payment, or other actual use of the account. XXXX was given another 15 days ( goodwill attempt ) to  validate debt was sent on XX/XX/XXXX. Have yet to send the above required documentation and have yet to delete/ block account account number XXXX from XXXX   on TRANSUNION credit services

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a Business Checking account with Bank of America in XX/XX/2020. 5 days later, my account was closed without explanation. There is no one available to speak to at the branch regarding this matter, I have been given a toll free number for the fraud department for BofA that when called is a non-working number, I have no recourse to dispute the action and my business and personal identification numbers have been labeled " fraud '' and I have been shunned by other institutions and forwarded to XXXX XXXX XXXX The bank is saying they got the " fraud '' designator from XXXX XXXX says the information they report comes directly from the financial institution which has caused myself and my business undue harm. 

I owe no sum of money to Bank of America, yet BofA is reporting to XXXX XXXX XXXX that my account is " Unpaid '' with a {$0.00} balance and the Contribution Reason : Checking Account Fraud which is COMPLETELY inaccurate. I have attached the report I obtained from EWS. After disputing the information with XXXX, their " findings '' stated that they VERIFIED the information with BofA as accurate, which is completely not true. My account was only open for 5 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-01
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I appied and was approved for a citi card. When I tried to activate it they sad I needed to fill out additional paper work which included sending a copy of my social security card. I did what was requested and now they are giving me a run around, saying that the zip code starts with a XXXX. They are saying I have to fill out even more paper work. They are refusing to close my card, they ran my credit there effecting my score and they will not close MY account. I am done dealing with them an I want this card CLOSED IMMEDIATELY. The last person who REFUSED to close my account her name was " XXXX ''? Her employee number is XXXX. Please help as I do not want to deal with this company any more.

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 2020-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 am writing this complaint over an inaccurate late payment. I was protected under the XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX. I have never been late on this account. I am also contesting the charge off on the XXXX XXXX # XXXX. 

I am requesting that the late payments be removed from my report. I was serving my country from XXXX - XX/XX/2019 as a 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 2020-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
Capital One is refusing to go to Arbitration under the Federal Arbitration Act regarding the terms and conditions of the Card agreement. 

They are refusing to pay the billing for Arbitration to XXXX  REGARDING THE TERMS AND CONDITIONS OF THE Card agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft

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 2020-01-18
Company: AFNI INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX this debt was reissued 3 different times to my credit report AFTER it had been deleted by using another company name and reason for collection. It also has been split into two collection agencies STARTED AS XXXX XXXX XXXX in XXXX, then AFI  in XXXX, then as another XXXX in XXXX. This is NOT my debt. I NEVER missed a payment with XXXX XXXX XXXX and had a combined billing with tv, home phone, internet and cellular service. Ive tried for two years to get whatever this is removed from my report and it been reinvestigated over and over and over successful then reapplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE.

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 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I, XXXX XXXX, filing this complaint. The stuff on my credit report is wrong.

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 2020-01-18
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: Credit inquiries on your report that you don't recognize

Complaint:
i dont remember having an XXXX XXXX credit inquiry on my report dated XXXX it should not be there.

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 2020-01-18
Company: Experian Information Solutions Inc.
State: LA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I WRECKED MY CAR ON XX/XX/XXXX. I DECIDED TO GET A NEW ONE. I WAS DENIED FOR FINANCING I OBTAINED A COPY OF MY CREDIT REPORT FROM EXPERIAN.COM ON XX/XX/XXXX ( ATTACHMENT A ) UPON REVIEW I NOTICED SEVERAL ERRORS ON MY REPORT. I THUS DID CONSUMER RESEARCH AND FOUND I HAD RECORSE BY CONTACTING THE BUREAU AND FILING A DISPUTE. I COMPILED ALL THE ERRORS I HAD ON MY REPORT, PERSONALLY CRAFTED A DISPUTE LETTER ( ATTACHMENT B ) AND SENT THEM TO EXPERIAN VIA CERTIFIED MAIL ON XX/XX/XXXX EXPERIAN RECEIVED MY DISPUTES ON XX/XX/XXXX. ( ATTACHMENT C ) ACCORDING TO FEDERAL LAW ( FCRA ) AND STATE LAW ( LOUISIANA REVISED STATUTES TIT. 9, 3571.1. ) THE CREDIT BURUEA HAS 30 DAYS FROM THE DATE OF THE DISPUTED INFORMATION TO VERIFY ITS ACCURACY WITH THE DATA FURNISHER AND UPDATE THE REPORT. 
ON XX/XX/XXXX EXPERIAN WROTE ME A LETTER SAYING THAT MY DISPUTES WERE NOT INITIATED BECAUSE THEY THOUGH THAT MY DISPUTES WERE NOT INITIATED BY ME. I RECEIVED THE LETTER ON XX/XX/XXXX ( ATTACHMENT D ) I ATTEST THAT ABSOLUTELY NOTHING IN MY LETTER COULD REASONABLY GIVE RISE TO THE SUSPICION THAT IT WAS NOT SENT BY ME. THE CLASSIFICATION OF MY LETTER AS " SUSPICIOUS '' IS AN INCREDIBLE STRETCH OF THE TERM. EXPERIAN HAD NO QUALMS GRANTING MY REQUEST FOR A COPY OF THE CREDIT REPORT THAT GENERATED THE DISPUTE WHEN GIVEN THE EXACT SAME IDENTIFICATION INFORMATION. I DID IN FACT WRITE THE LETTER IN QUESTION WITHOUT ASSISTANCE FROM A THIRD PARTY. I DEEM THAT THIS IS AN ATTEMPT TO CIRCUMVENT THE STATUTORY INVESTIGATION PERIOD DEFINED BY THE FCRA AND LOUISIANA REVISED STATUTES TIT. 9, 3571.1.

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 2020-01-18
Company: ERC
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 checked my credit report two days ago, and noticed two accounts from Enhanced Recovery for XXXX and XXXX, in the amounts of {$1900.00} and {$760.00}. 
I have never had any account with either mobile phone company. My sister used my information twice  and opened two mobile phone accounts in XX/XX/XXXX and XX/XX/XXXX. These accounts were not authorized and were opened fraudulently. I have filed an FTC fraud affidavit for the two fraud accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
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:
THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE.

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 2020-01-18
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am working directly with the billing Departments and I being harassed by a make shift local debt collector. 

These from Gulf Coast Debt Collections calls can be characterized as harassment. They are increasingly frequent and invasive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
AMERICAN EXPRESS IS REFUSING ARBITRATION REGARDING THE TERMS AND CONDITIONS OF THE XXXX XXXX  CREDIT CARD AND THE XXXX  XXXX  XXXX   CARD WITH XXXX. 

AMERICAN EXPRESS IS REFUSING TO MAKE THE PROPER PAYMENT TRANSACTION TO XXXX  REGARDING THE FEE OF THE ARBITRATION REGARDING THE TERMS AND CONDITIONS OF THE XXXX XXXX  CREDIT CARD AGREEMENT DUE TO XXXX. XXXX XXXX XXXX INCOME WITH SOCIAL SECURITY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
LVNV Funding is reporting a collection on my credit report that is a result of Identity theft. I have sent letters to them and let them know about this on several ocassions and they are still reporting this account on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: Resurgent Capital Services L.P.
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:
LVNV funding have no record of this debt or validity of said debt it just appears on my credit report. Have put in a dispute with XXXX  via phone as I have paid any debts with any validity to them. I do not believe this is an actual debt owed by me. XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: U.S. BANCORP
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received a text message alert from U.S Bank fraud on XX/XX/22 with someone who said they were a U.S bank employee had the last XXXX digits of my card, last four digits of my SSN and the city I lived in. Stating someone had used my card in a different state at a XXXX XXXX for the amount {$460.00}. Then they said someone was trying to get money from XXXX for {$2800.00}. They told me a confirmation number they were investigation that turned out to be a phone number. It was not a confirmation number the person was not from U.S bank. I tried to call the number but was not a valid number. I checked and the money was gone. I called U.S bank Fraud and they said they would open a case. My wife had a concern about the checking account being comprised went to the branch and they were rude to her about opening a new account and freezing the old account. I have had issues trying to get the issue resolved with the U.S bank fraud department. The branch open wrong case. It was opened as a dispute not a fraud case. The branch also promised a provisional credit which was is accurate. The branch also didn't close my cards linked to the comprise account. Also the police department asked for a fraud affivate but the bank gave us a indefinitve agreement asking us to waive our rights for any fraud actions.

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 2020-01-18
Company: EQUIFAX, 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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-18
Company: Experian Information Solutions Inc.
State: OH
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 am writing this complaint over an inaccurate late payment. I was protected under the Civil Relief Act. XXXX XXXX XXXX  XXXX XXXX  # XXXX. I have never been late on this account. I am also contesting the charge off on the XXXX XXXX  # XXXX. 

I am requesting that the late payments be removed from my report. I was serving my country from XXXX - XX/XX/2019 as a 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 2020-01-18
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I currently hold a mortgage with Rushmore Loan Management. This mortgage was originated with XXXX XXXX. I claimed homestead exemption at my local courthouse and sent the document to XXXX XXXX. Just after, XXXX XXXX  sold our mortgage to Rushmore Loan Management. The tax documentation has been sent to both  companies. I have screenshots of my messages attempting to get the status on this tax exemption as it affects our payment. It has now been 6 months of trying and they will not respond. This amounts to {$100.00} extra I have had to pay on my monthly payment because the taxes have not been adjusted. Since the loan origination, it has been one year and 5 months which makes for a total overpayment of {$1500.00} that I have paid MORE than I should because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: BARCLAYS BANK DELAWARE
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:
On XX/XX/2021 I closed my Barclays Bank credit card account. The representative assured me I had a XXXX balance and that the account was closed. I cut up the card. XX/XX/2021 I routinely checked my credit report and my credit went from XXXX to XXXX. I researched and found the closed account was reported as non-paid. Apparently from talking to multiple representatives at Barclay Bank, a charge of {$5.00} had been placed on my account after my closure. For 9 months Barclay Bank did not inform me of the charge, and kept charging interest and penalty. Prior to closing the account I insisted on my bills being sent in the mail, so I'd have a hard copy. I did not receive either a paper statement or an email statement. Three representatives from Barclay agreed with my assessment, an escalated it in the Barclay hierarchy. I understand mistakes and after 35 years of perfect credit I felt this was very simple. I also appealed to the three credit report companies, sending copies and explanations. I continue to receive form letters from Barclay saying their decision stands and they refuse to even hear my case. My case number at Barclay Bank is XXXX. Please help me. I know I'm a small customer, but this credit rating has really hurt me. I've never had a delinquent bill, and frankly, I did not make a mistake. I'm sure you have Barclay contact, but I was furnished with XXXX XXXX XXXX, XXXX, DE XXXX. I stand ready to answer any questions and will freely engage with anyone who will contact me. Thank you, please help.

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