BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the XXXX CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requestingsome accommodations so I care to protect the integrity of my credit file.XXXX  XXXX XXXX  XXXX # XXXX account is reporting XXXX, DAYS LATE XXXX XXXX XXXX XXXX  # XXXX account is reporting XXXX, DAYS LATEsince requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process. 
I have some inquiries that I do not recognize from the following XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN 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 2021-07-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not mines. This company keeps reporting on my credit report and it is a violation of my rights. Please remove immediately as these accounts are not mines. Show me a wet signature to validate that this is my account. You won't be able to because they are not mines. It is against the law to report erroneous accounts. I will sue if this is not deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: CarFinance Capital LLC, Irvine, CA Branch
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have traded in a vehicle with a new car loan and they paid off CarFinance in full. CarFinance had updated my credit report as paid in full. They have now reported the loan on my credit report with a balance of {$28000.00} and updating it monthly. This is incorrect. The balanced should be {$0.00}, showing closed and paid in full.

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 2021-02-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a XXXX XXXX XXXX business credit card from Bank of America. I had not use it often. On XX/XX/XXXX, there was a {$25.00} annual fee charge on my card statement which I didn't receive a notification by mail or email. In the subsequent months, Bank of America didn't notify me about this charge and keep on adding fees and charge on it. In XX/XX/XXXX, when I checked with them about this account and found they have closed the account and charge for total {$270.00}. I tried to argue with them and they said they can't do anything. I paid them {$270.00} in XX/XX/XXXX for the merely {$25.00} annual fee.

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 2021-07-08
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on XXXX XXXX a collection was placed on my consumer credit file by the company jefferson capital systems with the amount of {$1100.00}, under the fair depy collections practice i have all rights to ask for this debt collector to VALIDATE this false debt ... a debt validation was sent to this company listed in my complaint and they never responded ... ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03
Company: ERC
State: GA
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 sent Enhanced Recovery a Validation of Debt letter, that was delivered on XX/XX/2016. According the FDRC laws a creditor has 30 days to complete their investigation and respond. Enhanced Recovery has violated the FDRC by not responding to the letter completely. The letter asked for proof the debt belonged to me and a copy of their license showing they are allowed to collect a debt in my state of residence. Non of which was produced.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-08-22
Company: Big Picture Loans, LLC
State: CA
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:
On XXXX/XXXX/16 I applied and was approved for a {$600.00} Loan. I was told that there would be a {$210.00} finance charge for this and I accepted this however I was unable to see the truth lending documents which stated the total payments would be XXXX because there was a interest rate of 800.8 interest rate. I was not able to view this until after I accepted and agreed. This is not fair. Is this legal?? I only agreed to borrow {$600.00} and now I am receiving notices that I now owe {$990.00}. I have already made two payments one for XXXX and one for XXXX. This is confusing. How do I owe over {$4000.00}. I was also given an extension to pay the current payment which was due on XXXX to pay {$210.00} on XXXX. They took the money out of my account anyway and I had a three way conversation where I spoke with Big Picture loans and my bank to have the money credited back into my account since they assured me that I was given an extension to pay the next payment on XXXX. They again went back on their promise and tried to take the money out on XXXX. According to my calculations, this loan for {$600.00} should be paid off by the end of XXXX. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I am a XXXX  year-old target of financial elder abuse, specifically, what is commonly described as a remote access scam. In addition, this scam falls squarely within the spirit of the CFPBs XX/XX/2021 Regulation E FAQs defining unauthorized transactions. I contacted Square online because I needed help downloading my transaction history. A website that appeared to be legitimately Squares web site, but which I later learned was fraudulent, instructed me to call XXXX for Square Customer Support. 

The scammer represented himself as a Square customer service representative and fraudulently induced me to transfer {$7000.00} from my bank checking account and make multiple transfers to and from my cash app account and purchase bitcoin. Under the guise of helping me reduce my transaction limits, the scammer directed me to transfer money from my bank account to my cash app account and make a series of transactions to and from my cash app account. He assured me that these transactions were test transactions. In addition, as part of these test transactions he instructed me to purchase bitcoin. 

In addition, the scammer repeatedly instructed me to download XXXX and XXXX many times. Ultimately the XXXX  was withdrawn from my account without my authorization or knowledge. This series of transactions resulted in a net theft of {$6000.00} from me. 

I submitted a customer support claim to Square which they denied. 
[ ref : XXXX : ref ] Like XXXX XXXX, Square is turning a XXXX eye to elder abuse and fraud on their platform. 

Square clearly knows where money is being transferred to and from their customer accounts and how long accounts have been in existence on their platform. I have since learned through XXXX search that my experience is not unique and that Square is well aware of this scam. 

I would like Square to reimburse me for my loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX Transfer of carrier. Debt Collector # XXXX for {$140.00}. was paid but not taken from account reason, the XXXX obligation to pay remaining contract balance. Then brought to a Collector - XXXX XXXX, XXXX XXXX notice received on XXXX/XXXX/15 to stop this collection, {$81.00} was paid as settlement amount for the {$140.00}. Confirmation # XXXX was given and collection settled. Today, Received another Collection Notice in the amount of {$71.00} with a settlement amount of {$32.00}. Under a different collection agency named : ERC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There is collection reporting on my credit report that i have no knowledge of. Also this account was once removed and now its reappearing. Please remove from credit report as soon as possible.

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 2021-07-07
Company: Certified Services, 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:
Certified Services Inc violated 15 usc 1681a ( 2 ) ( B ) and 15 U.S. Code 1681b ( a ) ( 2 ). Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction I am complaining about.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: ERC
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I complained to the CFPB regarding the Enhanced Recovery Corporation ( a collection agency ) and XXXX ( a cellphone company ) in XXXX of XXXX ( see case # XXXX ), because Enhanced Recovery was trying to collect a debt ( on behalf of XXXX XXXX that did not belong to me. In fact, the debt holder 's address and date of birth were different from mine ... the debt holder only shared my first and last name. Thankfully, this case was resolved successfully in XXXX of XXXX, with Enhanced Recovery admitting that my name was flagged due to " matching names '' and that I was not the debt holder ( see the response of Enhanced Recovery at that time ). Because the collection was removed from my credit accounts in XXXX of XXXX, I thought the case was over. However, I received a letter from ERC on XXXX XXXX, XXXX about another XXXX debt for another person who shared my first and last name, but lives in XXXX, GA and who established a debt with XXXX in XXXX XXXX. ERC also states that they do not have a current date of birth or social security number for this debt holder. I have never lived outside of the state of NC, and do not have an account with XXXX. To be clear, ERC is again trying to collect money from me for the debt account of someone who shares my first and last name, but nothing else ( i.e., ERC has different demographic information and no SS number for this person ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-02-23
Company: ERC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I never received any communication from this company that my account will be send to collection without my knowledge. Do n't even know this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07
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 explanation
Consumer complaint received 2016-01-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We submitted for short sale XX/XX/XXXX. On XXXX XXXX, XXXX the bank made a counter offer for {$150000.00}, which our buyer met on XXXX XXXX, XXXX. We have now been waiting for 3 weeks for any response from the bank regarding the written approval so we may move forward with this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed this collect agency several times. It has 3 different collections on my report from the same agency. I dont even know what this collection is. I disputed one maybe less than a year ago. It went away. And now recently, they added the same collection again! All 3 times. This is not my account. They are harassing and calling my number. This is a disturbance. I do not know where these 3 collections came from. Who are these people. It says its from XXXX XXXX XXXX XXXX XXXX, something about Medical. I have not seen a doctor in 6 years. I do not have knowledge of these accounts. 

Collection Agency : 1. ARS Account Resolution. {$1600.00} XX/XX/XXXX 2. ARS Account Resolution. {$1500.00} XX/XX/XXXX ( recent one they added on ) 3. ARS Account Resolution. {$950.00} XX/XX/XXXX XX/XX/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 2015-07-08
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was a Co-Signer on a car loan for a family member. The debt has beenpaid and it is still being reported on my credit file XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: EQUIFAX, INC.
State: NY
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:
Unauthorized use of my credit report. this company sent me a letter saying they would remove these accounts, but they are still reporting to my credit report.this is very misleading and deceptive to me the consumer Please remove these accounts from my credit report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: ONLINE Information Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: WELLS FARGO & COMPANY
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 information incorrect

Complaint:
I had an account with Wells Fargo bank. My account was only for XXXX. I got behind on payments and they closed my account. I settled in XXXX and paid them. XXXX. My credit report showed this. But now on my credit report it says that they wrote off XXXX. That is false. I never had a credit card for that amount of money. They refuse to fix anything. How can I go from XXXX to XXXX, XXXX. 
This is messing up my credit even more. I need this to be fixed

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 2016-06-24
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian continues to list " XXXX XXXX '' on my credit file. The XXXX account I had was closed with XXXX Military XXXX and they continued to charge me after the fact. The account was turned to collections and XXXX will not respond to my phone calls regarding this account. Thus, it must be deleted from my credit because the original creditor does not own the account.

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 2021-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the 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 2016-04-09
Company: DISCOVER BANK
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a checking account during a Discover Bank Checking promotion where they offered a {$300.00} Bonus when you open a Free CashBack Checking account with direct deposit. Discover 's own terms stated that to receive {$300.00} bonus : 1 ) account must be opened between XX/XX/XXXX-XX/XX/XXXX using offer code XXXX ; I opened my checking account on XXXX/XXXX/XXXX. 2 ) at least XXXX Direct Deposits of {$250.00} or more must be received within 90 days of account funding. I had XXXX direct deposit payments completed with {$300.00} each on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. This falls within the time period of 90 days since the opening of the account. Bonus will be issued as a credit to your account within 30 days of completing all requirements. Today 's date is XXXX/XXXX/XXXX and it has been more than 30 days since the requirements have been met.

Company response to consumer: Closed with explanation