BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-18
Company: ERC
State: CO
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:
I was denied a loan due to an erroneous collection on my credit report. My bank informed me of a XXXX collections on my credit report from Enhanced Recovery from Direct TV in the amount of {$410.00}. I was never contacted by phone, mail, or email by them about any money I owed. I do not have any outstanding bills for this amount and do not owe them money. As this is causing negative marks on my credit, I would like for this to be completely removed from all XXXX credit bureaus, promptly. I have an attorney that is ready to represent me with a law suit if this is not taken care of. These negative marks have caused me to be denied for a home loan. I want this taken care! I have disputed this account over and over and never get validation or proper documentation. TAKE THIS OFF MY CREDIT!!! YOU ARE XXXX COLLECTION AGENCY TRYING TO COLLECT A DEBT THAT HAS BEEN TAKEN CARE OFF YEARS AGO! THIS DEBT WAS PAID THROUGH CENTURY LINK AS A BUNDLE!!! REMOVE THIS OFF MY CREDIT.

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 2022-05-27
Company: XOOM CORPORATION
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received an email from Xoom as if I had an account with them. I never opened an account with them. I emailed them back several times and phoned them to inform them that I never open an account with them.

Their response Was we need to know the email you opened the account with and I told him I never opened the account. I Finally emailed them and told him the email I got the initial email from them and they said they would escalate it to verification. The verification emails I received from them said the same thing. I want them to close this account and they refused to do so and I consider this fraud Because I never open the account with them. Please contact them and tell them to closest account as I will do not want to do business with them.

This is one email from them. 

Xoom Dear XXXX XXXX, We're sorry, but the email address used to contact us is different than the one registered to your Xoom account.

Please send us an email from the address we have on file or contact us with questions and we'll be happy to assist you. 

Xoom Customer Service Security | Legal | Privacy | Privacy ( USA ) | About Us | Locations | Help Center This email has been sent by Xoom, a XXXX service. XXXX is committed to preventing fraudulent emails. 

Learn to identify phishing ref : XXXX : ref

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I submitted a complaint about Equifax, in XXXX, regarding my XXXX Auto loan. They closed my account, it wasn't reporting and my account is very much still open. I currently owe, {$29000.00} on my auto loan. 
After my initial complaint, my account was reopened and reporting again. For some reason, Equifax has closed my account, once again. I need them to reopen my XXXX Auto loan account and stop closing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Chime Financial Inc
State: NC
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase on XX/XX/2022 in the amount of {$680.00} from the merchant XXXX for a XXXX printer, the XXXX  XXXX XXXX. When I received the product it was defective and would not work. I contacted chime to dispute the transaction and I contacted XXXX and opened a dispute through them. XXXX looked into the matter and said I would get a refund, but chimes dispute put the order on hold, I provided the information to chime and they ruled that I would not get a refund because no billing error occurred. The information they provided me for why they denied the dispute makes zero sense and the document that was attached was issued 3 months before the printer was ever available for sale. Because of chimes chargeback dispute the order at XXXX was frozen, they have been unable or unwilling to unfreeze the order and so they tell me they can not issue me a refund to go through my bank. I have provided every bit of information to chime and they refuse to reopen the dispute and investigated. I spoke with a floor manager of the dispute department yesterday, XX/XX/2022, and he had me provide the evidence that XXXX said that they were issuing me a refund, and reopened the dispute as refund / credit not received. He informed me that that was enough information to grant me a refund, and then he escalated it to the rebuttal team. Less than 24 hours later in a investigation that is supposed to take up to 90 days I received an email that states that they will not be issuing me a refund and they consider the matter closed. I am currently out XXXX for a product I was sent that does not work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: EQUIFAX, INC.
State: MS
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:
COVID19 CARES ACT PAUSED STUDENT LOAN PAYMENTS XX/XX/2020 TO XX/XX/2020. I PLAN REHAB AFTER UNSUCCESSFULLY DISPUTING WHAT IS OWED. ONCE I BEGAN TO PAY, THEY BEGAN TO RUID MY CREDIT SCORE FROM DECREASED BY 107 POINTS FROM NEGATIVELY RUINING MY CREIDT. CARES ACT WOULD ALLOW ME NOT TO PAY UNTIL ORIGINALLY XX/XX/2020 TO XX/XX/2020. IT HAS NOW BEEN EXTENDED UNTIL XXXX 2020. I NEED MY CREDIT SCORE REPAIRED TO THE GOOD STANDING THAT IT WAS IN PRIOR TO REHAB PLAN. THIS IS DECEPTIVE AND FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
COVID19 CARES ACT PAUSED STUDENT LOAN PAYMENTS XX/XX/2020 TO XX/XX/2020. I PLAN REHAB AFTER UNSUCCESSFULLY DISPUTING WHAT IS OWED. ONCE I BEGAN TO PAY, THEY BEGAN TO RUID MY CREDIT SCORE FROM DECREASED BY 107 POINTS FROM NEGATIVELY RUINING MY CREIDT. CARES ACT WOULD ALLOW ME NOT TO PAY UNTIL ORIGINALLY XX/XX/2020 TO XX/XX/2020. IT HAS NOW BEEN EXTENDED UNTIL XXXX 2020. I NEED MY CREDIT SCORE REPAIRED TO THE GOOD STANDING THAT IT WAS IN PRIOR TO REHAB PLAN. THIS IS DECEPTIVE AND FRAUD.

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 2020-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have applied for XXXX due to recent lost of work hours, but I have never received my XXXX debit card from Bank of America ( BoA ). I have tried to reorder the card three times. None of the card ever arrive at my address. 

Due to this BoA, put a lock on my card, preventing me from reordering another card. I have tried to reach their Customer Protection service, but noone will pick up. I am currently have no way to access my fund.

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 2022-09-16
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:
XXXXXXXX XXXX  is reporting past status of limitations on a fraudulent charges account Disputed asked for validation of debt as I am entitled and they never responded Its now been since XXXX  past the California reporting period and they continue to damage my credit

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 2022-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a well written, legitimate-looking email from Capital One on XX/XX/2022 at XXXX which has my name, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and the routing number of XXXX printed at the top of the email. The rest of the email congratulates me on opening this account and provides multiple links to resources, policies, downloading the mobile app, and disclosures at the bottom of the email provide the Capital One phone numbers, hours of operation, and standard important information. I have not now, nor ever, opened an account with Capital One. I XXXX  the number in the email and it returned the Capital One direct customer support line, which leads to me believe this is a legitimate email and that my identity has been stolen. As such, I contacted Capital One 's fraud department and spoke with a gentleman who told me that the only way he could assist me was by me giving him my social security number. Understandably, I was unwilling to give this, and advised him I had my name, email, the routing number or last 4 from the apparent account that was opened, etc. that he could use instead and he hung up on me. Furious, I contacted a local Capital One Cafe, and a lady advised me that fraud can indeed look me up by other information, or that I could go into a local Capital One Cafe for further assistance. I am a single mother of XXXX kids, and on top of that I work XXXX jobs. I don't have time to do that, nor do I live within XXXX miles of one of those establishments, so the request for me to do that when THEY have messed up not doing their XXXX XXXX XXXX  due diligence is laughable. No one will provide me what I need to be able to file a police report, which I am entitled to. I need the XXXX address of the location of who set up the account, information regarding how/when the account was setup, copies of all of the information which was submitted to Capital One to set up this account, etc. Either this company is pulling a XXXX XXXX XXXX XXXX scam and opening accounts for people to meet number goals, or they are assisting someone with fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: WELLS FARGO & COMPANY
State: NM
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
All my payments to Wells Fargo Have been on time and they marked my account 30-59 days late destroying my credit by XXXX points I called them and they stated they could do nothing so I am doing this..

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 2022-05-27
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem adding money

Complaint:
In XX/XX/2020, I had unauthorized charges occur on my US Bank Reliacard. I contaced US Bank immediately. The person who did these unauthorized charges was convicted of this crime. I have submitted all requested paperwork US Bank asked for, 3 times ... THREE TIMES SINCE XX/XX/2020. 

I HAVE NOT RECEIVED A SINGLE DOLLAR FROM US BANK TO REIMBURSE ME the {$6800.00} that was stolen off my card. 

XXXX XXXX XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2021-04-21
Company: Audit & Adjustment Co. Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I started XXXX XXXX, I didn't realize that there was a separate bill from the physicians. 
The bills were sent to an old address. 
The debt collectors would not explain who the creditor was. Eventually it appeared on my credit without written notice. 

Now willing to pay in installments, but would like item removed from my credit since the collection agency did not provide an explanation.

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 2016-08-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I applied and received approval for an education loan from Citizens Bank National Association to refinance my existing XXXX federal student loans. After executing the loan documents online, I was informed that the new loan would be funded on XXXX XXXX. On XXXX XXXX, I logged in to the Citizens Bank web portal to discover that Citizens Bank had created a loan account naming me as the debtor, and assigned the servicing of the loan to a third party. I checked the third party servicer 's records to discover that their records matched those of Citizens Bank, and that there was a debt in my name for the amount I initially agreed to. Interest had begun to accrue on this purported loan as of XXXX XXXX. 

I then checked my existing federal loan servicing account ( the " Original Loan '' ) to discover that the Original Loan was still outstanding and that according to their records, I was still responsible to make payments to them. 

I called Citizens Bank to figure out how I ended up with XXXX outstanding loans, and their representatives explained that it could take up to two months for my Original Loan to be repaid. The representatives claimed that a check had been mailed to my Original Loan servicer, but they had not been in direct contact with the Original Loan servicer, and I have not seen any records to confirm that the check had been mailed to the proper address. I was not informed that they would be charging me interest for a loan while their check was in transit, notwithstanding the fact that no actual funds had been funded on my behalf by Citizens Bank, and in effect, I was being charged interest by Citizens Bank for the repayment of funds that have yet to be credited on my behalf ( their check being purportedly in transit, but not yet redeemed ). 

I asked Citizens Bank 's representatives to defer interest on the purported loan that they made to me until funds were received by my Original Loan servicer. The refused, citing two separate provisions of the promissory note I had allegedly agreed to, claiming that these provisions together entitled them to charge me interest for up to 60 days without ever making a disbursement of funds. In other words, they said that they were entitled to charge me interest for a loan that has yet to be credited to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/22 I am contacted 4-10 times a day with different numbers since this debt was reported on 5/22/22.Contacted Credit Management LP today XXXX resolve the reported debt. They informed me quote : '' Even if you pay the amount in full, we won't remove this from your credit. XXXX XXXX XXXX- who we represent, does not want us to remove the debt. Give your credit card number now so you can pay the amount in full. '' I've contacted XXXX XXXX XXXX, to ensure that when the amount is paid in full- they will remove my reported debt - to no avail : XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. I am submitting this complaint to you today to request that Equifax run me copies of documents bearing my signature to prove the status of the disputed account. If they unsuccessful to comply with the condition and continue the reporting of the disputed account, please realize I will pursue legal action. I need the account corrected XXXX : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXXLate/Closed Late Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: WELLS FARGO & COMPANY
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I was attempting to book a rental property and I was given the owners ( XXXX XXXX ) Wells Fargo Bank account info to deposit/wire the money. I went to a Wells Fargo branch and had them verify that the owners account looked to be legit account. They said it looked legit, but could n't say anything else. I felt more comfortable with depositing the money. The bank created a certified check for {$2700.00} from my Wells Fargo account and deposited it into what i was told was the owners account. 
I did more research the night I deposited the money and feel like i was part of a scam. My wife and i called Wells Fargo and found out that I would have to go into a branch to try and stop payment. 
I went into the bank at XXXX ( 21 hours after making the deposit ) and explained the situation and wanted to put a stop payment. They told me I had to go the legal route on this and they could n't do anything. 
I just received another email from the " Realtor '' ( XXXX XXXX ) saying that my certified check did n't clear. This is making me even more concerned that they are going to ask for more money and/or not provide any services ( rental property ). 
I was looking for the bank to care about cancelling the check from my side, but they seemed bound from doing anything. They also did n't seem to care that one of their accounts could be involved in a scam. 
After calling Wells Fargo around 10 times, someone actually filed a research claim to look into the check, but I still do n't get the feeling that Wells Fargo is going to take this serious.

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 2017-02-16
Company: WELLS FARGO & COMPANY
State: CO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I am a co-signer on a student loan for my son but he is not able to pay so I 'm making the payments. Wells Fargo failed to send me the statements and refuses to setup online access to the account so I can make the payments. They managed to send me one statement but they have stopped coming. They have damaged my credit and have refused to fix it. I have called them on the phone at least three times. All I want from them is to send me statements, give me online access to the account and fix the unfair credit remark on my credit report.

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 2016-07-15
Company: Big Picture Loans, LLC
State: KS
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I am a single mom of XXXX kids, needed to tag new car I just bought. I went on the internet to apply for an internet payday loan. I applied for the loan for {$600.00} originally. I was told that I could pay it back over a period of time beginning XXXX/XXXX/2016 ; of which that are making me pay it back starting on XXXX/XXXX/2016. I was never told about me having to pay {$150.00} in interest every two weeks, ( there is no way I can afford that ), which does not go against the principal amount borrowed. this is what is included in the contract : ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. 
556.7963 % FINANCE CHARGE The dollar amount the credit will cost you. 
{$2600.00} Amount Financed The amount of credit provided to you or on your behalf. 
{$600.00} Total of Payments The amount you will have paid after you have made all payments as scheduled. 
{$3200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation