BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was paid on XX/XX/19 by XXXX with a check from XXXX XXXX for XXXX. I mobile deposited the check on XX/XX/19 to my citizens bank account. The funds were released. Then on XX/XX/19 the check was deposited again by an unknown individual to XXXX XXXX. XXXX was charged twice, he said he opened a claim and that they took back my funds but not from XXXX XXXX and was unsure why. XXXX tried to open a duplicate check claim with XXXX XXXX and the FDIC was involved. They issued a temporary credit to my Citizens account but then took it back out. I was never explained why. I inquired with XXXX  he said there is nothing more he can do. He stated that the person at XXXX XXXX still has his money. The individual who fradguaently cashed the check a second time. You can see that they never did a second signature on their mobile deposit, and that account is not one belonging to me with my name, so a second signature should have been required to process that. You can see a trail for checks deposited by me from XXXX The  unknown individual at XXXX XXXX has no trail as this was fraud. They have the funds that are supposed to belong to me. I have reached out to all three banks and they all are saying to contact the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX Product : Credit card or prepaid card Issue : Problem with a purchase shown on your statement 1. Why was I not included in the class action lawsuit against XXXX XXXX XXXX by CFPB. 2. According to XXXX recent letter I was late on payment payment was due XX/XX/XXXX for {$110.00} that is why my account was closed in XX/XX/XXXX. I was still using card at the date it was not closed. My Cash rewards were forfeited per XXXX validation late XX/XX/XXXX. 3. Very bad reporting XXXX report shows XX/XX/XXXX account charged off.written off XXXX XXXX past due as of XX/XX/XXXX. XXXX report XX/XX/XXXX shows XXXX written off XXXX past due. That past due is what going up at XXXX a month please stop this account asap. 4. Please contact the malpractice firm midland credit management my rights as a consumer are being abused I insist an order be filed asap to sieze and desist.account ending in XXXX with XXXX XXXX. 5. I have a legal excuse from appeals court from XX/XX/XXXX to XX/XX/XXXXas to why my unemployment checks where being withheld at the max rate per week case # XXXX case # XXXX and case # XXXX Calif Unemployment Insurance Appeals Board XXXX County Office of Appeals that a total of 120 days the max amount of time to write off any account. What is this set me up for failure these three cases was over turned in my favor my check where being withheld unjust and back pay ordered after serving the penalty of 16 weeks no income I was legally bound.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: CITIBANK, N.A.
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:
In Summer of XXXX I had fraudulent charges on a Citibank Visa credit card. The charges were dropped by Citibank all but {$2.00} that were left on my account. I was charged late fees for charges Citibank said I did not owe on. Multiple phone calls were placed and received, concluding that I was fine and no further action would be taken. Six months later I received a call from collections asking for roughly {$65.00} owed to Citibank. I explained the story and they sent the charges back to Citibank where I attempted to resolve the issue further. Upon purchasing my condo in XX/XX/XXXX, I realized my credit score took a hit for being 120+ weeks delinquent for a {$2.00} write-off. This has directly affected my interest rate on my property and other purchases that I can not get approved on. I have exhausted all angles to resolve the issue with Citibank. They have made it impossible to reach a department that can make this right. I 've had credit cards for over 10 years and have never been delinquent on payments.

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 2017-05-31
Company: Experian Information Solutions Inc.
State: CA
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:
Representative hesitant about starting investigation, and stated it had to be against debt. collections laws- I stated it was and there were other breaches of laws as well. When done with investigation nothing was done but updating my information and all " illegal '' debt still remained. -Legal Breaches for debt- On matter of item > The XXXX XXXX ( Originally Opened XXXX ) -CA Statute of limitations > The Statute : California Code of Civil Procedure Section 337 Where the action is based on a written agreement, it must be filed within 4 years.Code of Civil Procedure 337 : 1 & 2. XXXX XXXX XXXX-Open-XXXX. XXXX XXXX XXXX XXXX-Open- XXXX. XXXX County DA-Open XXXX. Note File Upload > Double Jeopardy-5th Amendment ( XXXX XXXX-XXXX XXXX-with D.A. letter stating no further litigation required-Referral # XXXX > XXXX # XXXX ), SECTION 1. All people are by nature free and independent and have inalienable rights. Among these are enjoying and defending life and liberty, acquiring, possessing, and protecting property, and pursuing and obtaining safety, happiness, and privacy. ( Sec. 1 added XXXX XXXX, XXXX, by Proposition 7. Resolution Chapter 90, XXXX. ) SEC. 10. A person may not be imprisoned in a civil action for debt or tort, or in peacetime for a militia fine. ( Sec. 10 added XXXX XXXX, XXXX, by Prop. 7. Res.Ch. 90, 1974. ) SEC. 17. Cruel or unusual punishment may not be inflicted or excessive fines imposed. I have as of now " no '' verifiable substantial income. ( Sec. 17 added XXXX XXXX, XXXX, by Prop. 7. Res.Ch. 90, 1974. ) -Fair Debt Collections Practice Act.-801-Short title 803-Definitions -part C.,807 False or misleading representations-a. & 4.. Fed. Statute Title 18, U.S.C., 241 & 242. U.S.A. Constitution 7th, 8th, and 14th Amendment breaches.

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 2017-05-31
Company: Southern Credit Recovery, Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
i have several collections for services i never received or authorized. from the southern credit recovery for {$830.00}, XXXX XXXX for {$6600.00}, {$1400.00}. also, XXXX XXXX for {$130.00} and i never signed or authorized any of these charges. Also child support is showing {$8200.00} and i never went to court and proved any paternity or took any blood test to prove myn relations. would you please assist me in removing these unauthorized accounts. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: Telerecovery Corporation
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
i have several collections for services i never received or authorized. from the   XXXX   XXXX   XXXX   for {$830.00},   XXXX   XXXX   for {$6600.00}, {$1400.00}. also, tele recovery for {$130.00} and i never signed or authorized any of these charges. Also child support is showing {$8200.00} and i never went to court and proved any paternity or took any blood test to prove myn relations. would you please assist me in removing these unauthorized accounts. 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
Consumer complaint received 2021-11-18
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: Investigation took more than 30 days

Complaint:
I was taking advantage of due to Malpractice while several laws were broken under the FCRA by your company. Due to this malpractice i have been unable to apply for credit and financially injuring me and hindering me from the ability to apply for credit. I have asked for Validation from Equifax which was ignored when i asked for Validation, Original Instrument of Indebtness, Original Contract, How it was " verified '' and why this innacurate account is on my Equifax and let alone not on XXXX or XXXX. This has dropped my scored XXXX  points and has a bad mark on my report. During the Pandemic i was taken advantage of and my credit reports were marked with negative " late payments '' which was under the Cares Act, previously and even after my payment history was and has been 100 % on Time Payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: EQUIFAX, INC.
State: OH
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 have multiple credit inquiries that I did not authorize. I have contacted  XXXX ,  XXXX , and Equifax to dispute and delete them. I have received communication that they are unable to delete and that I would have to contact the creditors. A security fraud alert was placed on file by the credit reporting agencies after their investigation was completed. The inquiries still remain and has damaged my credit rating

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: WELLS FARGO & COMPANY
State: TX
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 was approached by Wells Fargo during a university 's new student orientation day in XX/XX/XXXX. I opened a checking and a credit card accounts in XX/XX/XXXX. A college credit card had a limit of {$1000.00}. After two years, I called Wells Fargo to see if that credit limit can be increased. I was still a college student at this point. The customer representative said yes. After few minutes he said now you have a credit card with {$5000.00} limit. And I said, there must have been a confusion I just want to increase the limit of the current card I hold. The customer service representative said he could not increase the college credit card because it was a college credit card and had a limit of {$1000.00}. So in XX/XX/XXXX Wells Fargo opened a flexible spending credit card under my name without my permission. Now from what I hear Wells Fargo has been doing, I also am a victim of their fraud. Since Wells Fargo is my first bank, it's hard to close my bank account with them without having my credit downgraded. There should be a policy where credit card opened without your consent, your credit score should not be hurt. I urge Wells Fargo 's practice to college students to be closely reexamined.

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 2021-11-18
Company: EQUIFAX, INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On today I received an Alert from Equifax Credit Reporting that there was several hard Inquiries on my Credit Report attempts from XXXX XXXX Bank. I have never applied for an Open line of credit from XXXX XXXX. I have a Bank I have being dealing with since 2004, and my line of Credit is open with my Personal Bank. I do not know who tried to open up a line of Credit in my name, but it was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I calle d capital one on   XXXX  because of the hold they were placing on my credit card th e manager said that he would apply a credit for {$50.00} on my acct due to the inconvenience yet applied only {$15.00}. talked customer service tonight and they told me oh well his note is what we have to go by. I  have the call recorded and it clearly states {$50.00} yet they will now honor that

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried numerous times t o reach OCWEN to be told that I have to wait on hold for a number of callers in front of me. When my turn arrives, the automated system disconnects my phone call. I regularly wait in excess of 50 minutes, just to be disconnected. Today, I waited 53 minutes to be told by a recording that the offices were " now closed '' even though  it was  XXXX  and the recording said the office hours were until  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Mathematica  lly, the best way to reduce the amount of interest I pay on my portfolio of loans is by paying the minimum balances on the lowest interest loans and allocating the rest of my payment to the highest interest loan. This is known as the " avalanche '' repayment method.
If you submit a monthly payment to Navient online that is larger than the minimum payment, Navient simply allocates the surplus evenly across the portfolio of loans. Anyone who understands the compounding interest formula will know that is the best way for Navient to maximize the amount of interest it collects from its users.
<P/>
Navient does not current  ly allow its users to utilize the avalanche repayment method through its online interface. The only way to do this is by physically mailing them a monthly check with handwritten instructions for payment allocations. In  XXXX , this is a pure evil.  <P/> I reached out to  Navient  about this in the fall of  XXXX , but they did not take my feedback seriously as the functionality is still not there for avalanche repayments online.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: Experian Information Solutions Inc.
State: MD
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:
After reviewing my credit report I noticed that there were inquiries on my report that had n't come from me. I tried calling the companies and they said that I needed to contact the bureaus. I called the bureaus and sent multiple inquiry letters b ut they refused to investigate and remove the inquiries. They said that the burden of proof was on me and I needed to contact the creditors. I even contacted the Presidents of the companies via email ( all who had a Representative call me very quickly ) but still did n't get results. I sent 609 letters requesting signed proof that accounts that I did n't recognize that the bureaus are reporting belong to me and each bureau just said  that they were mine but without any form of verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: EQUIFAX, INC.
State: CO
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   XXXX  is reporting that payments of {$320.00} on the months of  XXXX ,  XXXX ,  XXXX , and  XXXX  all as being 30 day late.   A formal debt validation request was sent out to  XXXX   XXXX   XXXX  on the dates of  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX , and  XXXX / XXXX / XXXX  with no response.   Calls were also made in  XXXX  of  XXXX  but I was told that they though they could see that the payments at that point were indeed not 30 days late there was nothing that they could do to help and that I would need to go through some other means to get the report removed from my credit report but could not give me the information on what that would be.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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   XXXX  is reporting that payments of {$320.00} on the months of  XXXX ,  XXXX ,  XXXX , and  XXXX  all as being 30 day late.   A formal debt validation request was sent out to  XXXX   XXXX   XXXX  on the dates of  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX , and  XXXX / XXXX / XXXX  with no response.   Calls were also made in  XXXX  of  XXXX  but I was told that they though they could see that the payments at that point were indeed not 30 days late there was nothing that they could do to help and that I would need to go through some other means to get the report removed from my credit report but could not give me the information on what that would be.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 received a copy of my credit file  XXXX  from TransUnion. I realize my credit file has credit inquiries not authorized or initiated by me. I write a letter to TransUnion the write back confirming these are factual and to contact orginal creditor. On  XXXX / XXXX / XXXX  I called  XXXX    XXXX   XXXX   @  XXXX  and explained to operator #   XXXX   an inquiry appears on my report I did not authorize. He stated it was done over 7 months ago they have it in their system it is a faud appplication but he can '' t do anything as it no longer in their system. So I called TransUnion fraud dept. and  XXXX  was no help she just basically said why you calling us. As a consumer it is unfair they can easily input inaccurate data but not remove it. Now I am in the process of rebuilding and repairing my credit little errors like these affect my score.        XXXX / XXXX / XXXX   Trans Union   XXXX   XXXX   XXXX   XXXX , PA  XXXX  Dear  Trans Union  : It is your responsibility to ensure that creditors demonstrate clear permissible purpose in accordance with the Fair Credit Reporting Act before releasing a consumer 's credit report. Demonstrate that the hard inquiries for the creditors below have met this requirement, pursuant to the Act. My Social Security number is  XXXX   XXXX    XXXX   XXXX    XXXX    XXXX   XXXX    XXXX  Otherwise, rescind the errant notation immediately.     Sincerely,  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 2017-04-26
Company: Experian Information Solutions Inc.
State: MD
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:
On  XXXX / XXXX / 2016  I paid {$29.00} to go ahead and recieve a secured card from  XXXX   XXXX   XXXX  knowing that I had 90 Days to come up with {$200.00} to activate the card. Things came up and I never got enough money but it 's reporting to all  XXXX  bureaus as if I opened and 6 months later voluntarily closed this credit card with a {$200.00} line of revolving credit when in fact it was never usable.

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: VW Credit
State: GA
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 Sent in a copy of my ftc report along with my police report to XXXX, which they received on XX/XX/XXXX. I called on XX/XX/XXXX and they stated it will take up until XX/XX/XXXX to get results and refused to give me an explanation as to why it will take more than 30 days. This is after repeated request for them to provide me the information that they are allegedly using to verify if the account is accurate or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Midwest Recovery Systems
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:
I received a debt collection letter stating I owe. on the bottom part of the letter is a notice to challenge the debt with validation within 30 days or else they will assume the debt valid. I sent a certified debt validation letter which was signed for, then a month later received the same debt letter with the same notice to challenge the validity, but with a different creditor.   how should I handle this? do I have to keep validating until i actually get the real validation so i can move forward?     the debt is time barred its o ver 10yrs attached are two jpegs of the letters received and my validation letter sent i can supply proof of certified letter with post office if needed

Company response to consumer: Closed with explanation