BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
This is a re-submission of a complaint I made over 30 days to TransUnion via this complaint process ( XXXX ). TransUnion has never followed up nor acknowledged the problem I outlined in the earlier complaint. My hope is that the CFPB can motivate TransUnion to correct the problem. 

Since XX/XX/XXXX, I have written three certified letters ( attached ) to TransUnion regarding inaccuracies and FCRA violations of the CPW account on my TransUnion credit report. They have not corrected the multiple problems I have pointed out to them nor have they included my Notice of Dispute for this account which is required to be done within 30 days of being notified. Both of these actions are clear FCRA violations. According to Title 15 U.S. Code 1681i : Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. The XXXX account is shown in red on the attached letters with specific inaccuracies and FCRA violations which as of XX/XX/XXXX still have not been corrected : 1. ) An incorrect date of last activity 2. ) Not listing my Notice of Dispute within 30 days of my notifying them. 3. ) An incorrect Payment History This account needs to be deleted immediately due to inaccuracies and clear FCRA violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-01
Company: VW Credit
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Re : Volkswagon Credit We are prepared to file a lawsuit against VW of America and VW Credit for a wrongful repossession, violation of Fair Credit Reporting Act and violation federal disaster mandates. 

The consumer was a teacher, and because she had not been working during the summer months, her account fell behind. In XX/XX/XXXX, during Hurricane Irma, the consumer requested that VW Credit apply a disaster benefit ( payment deferment ) to the account. The benefit was not applied and the vehicle was repossessed in XX/XX/XXXX. 

On XX/XX/XXXX, The VW Credit Recovery Department confirmed that the consumer 's account was eligible for a disaster benefit in XX/XX/XXXX, and similar accounts received benefits. The Recovery Department further indicated that had the benefit been applied, the vehicle would not have been repossessed. 

Your timely attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13
Company: ERC
State: VA
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:
These people are trying to open and put XXXX items that were closed and removed off my credit report.it was removed by this company on XXXX XXXX 2015.these people are messing my credit up.I do n't get any were with them.every time I apply for something it shows on my report that they it open.these people can not open something that has been removed for your credit report.also asked bout the birthdate on XXXX credit report they have my birthday incorrect.

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 2017-10-13
Company: JPL Recovery LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Original date of incurred debt : XX/XX/XXXX Amount {$1400.00} Action Taken : Pursuing the debt collection through the court system Statute of Payday Loan Limitations : 5 years Company Name : Personal XXXX XXXX Actions by me : Verified their business license # 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 2016-09-30
Company: ENCORE CAPITAL GROUP INC.
State: OK
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Asset Acceptance LLC is reporting the wrong Date of First Delinquency on my credit report. The Original Creditor, XXXX XXXX XXXX XXXX, is showing a first delinquency date of XXXX. Asset Acceptance is showing a date of XXXX. According to the terms of the FCRA 623 ( a ) ( 1 ) ( A ), the collection agency Date of first delinquency must match that of the Original Creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: ERC
State: TX
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:
Pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. I sent a Certified Collection Validation Letter to ERC on XXXX XXXX, 2016. As of XXXX XXXX, 2016. They did not reply to my request therefore this account should be removed from all XXXX credit bureaus. The told the bureaus it was valid however they refused to provide proof. 

As a result the account should have been removed.

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 2016-10-24
Company: AMERICAN EXPRESS COMPANY
State: MS
Product: Credit card
Issue: Other

Complaint:
This company is reporting inaccurate information on all XXXX bureaus report. I have sent them a letter disputing it. The letter was sent by certified mail. They signed for it and even after the 30 days allowed for them to mark as disputed they failed to do so. They never marked as disputed nor did they validate it. They have violated the Fair Debt Collection Practices Act. I am trying to prevent legal action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a debt collection from Jefferson capital saying I owed money to XXXX on the amount of {$1200.00}. Culprit used my name and number but after calling XXXX I realized they used a different email. XXXX. XXXX collection says that the account was closed in XX/XX/2019. I received no mail from XXXX before it went to Jefferson Capital.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: CURO Intermediate Holdings
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX is reporting Speedy CashXXXX. On my XXXX report as a debt. As Original Creditor. Speedy Cash can not report a balance as a debt. The same account is being reported. As a collection debt. With AD ADSTRA. For the same amount. Speedy Cash can report but they cant report the same debt amount. In doing so, My total debt amount is being reported higher than it is. Ive had Speedy Cash account deleted on my XXXX XXXX XXXX credit reports. I called Speedy Cashs dispute dept. About them reporting on my credit reports. XXXX continues to report this debt. Per the FDCRA, original creditor cant report a debt balance. Of and account that is being reported in collections. Account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
On XXXX XX/XX/2020, I was granted a hardship forbearance from XXXX XXXX XXXX/Citizens Bank student loan payments for a two-month increment. I spoke on the phone with a representative who confirmed I was eligible for a two-month hardship deferment. The representative assisted me and filled out an application through their internal system that was subsequently approved. 
I received letters in the mail confirming that I was approved, which I have attached to this form. The letters are dated XXXX XX/XX/2020. I received a call on XXXX XX/XX/2020 from Citizens Bank Collections, informing me that my loans were in collections ( I am not 100 % sure of the relationship between Citizens and XXXX XXXX, but my understand is that XXXX administers the loan payments on Citizens behalf ). Citizens was not aware of my hardship forbearance and transferred my call to XXXX XXXX. 
XXXX XXXX informed me that my hardship forbearance had been incorrectly approved. They informed me a new denial letter was sent in the mail on XXXX XX/XX/2020, and I should receive it soon. XXXX informed me they had not sent any emails, but had attempted to contact me by phone only 3 times. XXXX XXXX informed me that I did nothing incorrect, and that it was an error on their end that resulted in my hardship being approved. I asked if they could honor it, since I have documentation stating I was eligible and granted the hardship forbearance, and they informed me that the decision was made by Citizens bank, and they could not approve it. Citizens banks logo is on the letter that affirms my complaint hardship forbearance was approved. 

The XXXX XXXX supervisor I spoke with on the phone informed me that he would be filing an internal complaint based due to how this situation was handled on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: U.S. BANCORP
State: NC
Product: Credit card
Issue: Advertising and marketing

Complaint:
US Bank - Bait and Switch. I responded to a web based offer, offering free XXXX XXXX points with a " bonus award nights '' promotion, if I signed up for a US Bank XXXX XXXX XXXX card. The company would offer XXXX XXXX hotel points to sign up for the card, pay a {$75.00} annual fee, and spend {$2500.00} on the card within XXXX months. As part of this bonus, one can use the points to book hotel rooms through XXXX XXXX, and if one books XXXX or more nights in a row, the last night is Free. This is a significant offer and the primary reason I signed up. ( A friend of mine did the same ). After signing up, I received the card in the mail with the rewards program details ( see attached ). I received this XX/XX/XXXX. When I called to activate my card, I asked about the rewards program and was told that the bonus award night promotion was ending effective XX/XX/XXXX. I was quite perturbed and felt misled, however, when I told the US Bank representative ( her name is XXXX ), after conferring with her manager, she told me that because I had just signed up for the card, the bonus award night promotion was being extended until XX/XX/XXXX. I made her confirm that this was indeed the case, prior to activating my card, which she did. Since she confirmed, I activated the card. Today, XXXX XXXX, I called in to attempt to use some award points to book a hotel room and was unable to utilize the bonus night promotion. When I called US Bank they told me that the program ended on XX/XX/XXXX for everybody - no exceptions. I spoke to multiple customer service reps to inquire as to why I was misled when I was activating my card. None of the customer service reps would not let me speak to XXXX or her manager, despite multiple attempts. I let them know I would be filing with the NC Attorney General, and they tried to " bribe '' me with XXXX bonus points. I did not take this, and told them to close my account and refund the {$75.00} annual fee. I feel that US Bank blatantly lied to me in an attempt to gain me as a credit card holder to pay a {$75.00} annual fee and spend money on their card. I would sincerely appreciate the NC Attorney General 's office looking into this matter. Their are many reports online of people having similar issues with US Bank, specifically as it pertains to their XXXX XXXX program. Thank-you. - XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: I.C. System, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
1 ) On XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
refused to code it for the insurance company as a XXXX XXXX XXXX XXXX  I made multiple attempts to have him change the coding, but instead he sent me to the credit agency for collection. I made it clear to both XXXX XXXX and ICS systems credit agency that the billed amount was in dispute because of the improper coding. Nevertheless ICS kept hounding for the money. I send them a check for an amount that I thought was appropriate with a restrictive endorsement stating that endorsement constitutes a satisfaction of the disputed amount. I consulted a lawyer in XXXX who indicated that the restrictive endorsement should satisfy the debt.

2 ) In summary ICS has harassed me and damaged my credit over an amount that is in dispute. I sent a check with a restrictive endorsement that they cashed and they continue to pursue for the balance.

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 2019-12-02
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Just got promotional material from mail and online account from Chase bank Which I endup signup for checking and saving account as they instructed. 

After initial fund transfer to Chase saving account, a rep from chase called me and verified all the details and amount I am transferring to new chase saving account. 

also setup direct deposit to saving account from my employer which they sent last friday ( XX/XX/2019 ). 

I checked my account no fund available any of it. They took out money from my XXXX  XXXX XXXX account but never showed up in my saving account. 

my employer sent direct deposit to my saving account, never showed up. 

I called Chase today and they said I have to go to one of their branch which I don't have/ got to drive 45 min..now they are refuse to return all the money they hold and not willing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Credit card
Issue: Delinquent account

Complaint:
I have received phone calls from Midland Credit Management about a claim they say I owe to a company called XXXX XXXX, which I closed years ago. I am very upset they contacted me at home since I have never given out my home phone and it is unlisted

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: DISCOVER BANK
State: MN
Product: Credit card
Issue: Billing disputes

Complaint:
On XX/XX/2016 my balance was incorrect. My online account show the following : Last Statement Balance : {$910.00} Recent Transactions : {$130.00} Recent Payments and Credits : - {$40.00} Current Balance : {$1000.00} That math can not be correct and Discover needs to credit my account {$21.00}. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: FIRST NATIONAL BANK OF OMAHA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XXXX XXXX, I received a bill from First National Bank of Omaha for charges of {$64.00}, my credit card ending with XXXX. Knowing that I did not make any purchases, i examined the bill carefully and noted that the contents of the bill ( Transaction Detail ) reflected charges made from play station network. dated XXXX XX/XX/XXXX. I immediately called First National Bank of Omaha and informed them that I did not make any purchase on my credit card, and furthermore, i am XXXX XXXX XXXX and do not own a console.. My husband is XXXX XXXX XXXX and he does not own a console either. I do not have any grand children who live nearby and I can't imagine how this error could have occurred. I was told by XXXX that they would investigate the matter further, and not to make a payment because an investigation will commence. ( The moment they mentioned my old address and telephone # at Delaware, I knew that I was a victim of fraud ). First National Bank of Omaha closed the account and issued me another credit card. On XX/XX/XXXX, I received a letter from First National Bank of Omaha fraud dept, informing me that they have completed their investigation and I made these purchases. This is absolutely false. I am struggling to get over XXXX of my XXXX  XXXX, and I did not make these purchases. I moved to my present address 3 years ago, and I believe that First National Bank of Omaha sent out a credit card to me, and it probably went to my old address in Delaware, and someone got hold of that card, and made these purchases. Furthermore, they informed me that a purchase on this card was made in XXXX, and it was paid by error, however, they would refund me the {$59.00} that was paid in error. I am very disturbed at the knowledge that someone used the card, and now I am being billed for purchases that I did not make. I have an outstanding credit score, because I am a good citizen and pay my bills on time, however, I know that I have been a victim of identity theft, ( As I did not authorize any one in to purchase anything using the above card. ) Kindly help me as I know that I am an innocent victim. You can contact me at XXXX and at my email address of XXXX. Thank you for your kind consideration to this matter. Sincerely, 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 monetary relief
Consumer complaint received 2015-08-08
Company: DISCOVER BANK
State: OH
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
This is my second complaint about my closed Discover card in the past XXXX months. 
Complaint # 1 - I received a 'new ' card from Discover XX/XX/XXXX on an account that I closed in XX/XX/XXXX. When I called, they told me the account had never been closed *not true*, but they would now close it. I was unhappy with the fact that the credit card had remained open XXXX years after I closed it & that my credit was run without my permission and a new card sent out to me. 
Complaint # 2 - I received a letter today dated XX/XX/XXXX that stated that although Discover had 'recently sent an offer to me for a credit line increase if I completed qualified activity by by XX/XX/XXXX, my account did not fully meet the conditions of the offer '. Once again, my credit should have never been looked into in any respect by Discover again without my permission. Especially since I had within the span of a little over a month 's time I 'd had the account re-closed, and they were to put me on the do not mail list. I am not a customer of Discover and they should have no access to running my credit and they are to have NO communication with me at all, per my request and what from what I understand the law to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bank Of America Have Become Very Inhumane And Their Fees Are Just Unjust! In Less Than XXXX Weeks I Was Charged XXXX Fees Totaling {$490.00}. Some Of These Charges Are For The Same Items - Same Item Charged XXXX Fees ( Fee Charged For Paying Item, Fee Charged For Un-paying The Item And Then A Fee Charged For Overdrawing Account. Called Bank Of America And They Were Not Understanding Of The Depressing And Hardship These Fees Have Caused.

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