BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-28
Company: A.R.M. Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was signed up for a renewing digital subscription to a newspaper without my knowledge. I never paid for the subscription, went on the website, or read the paper. The subscription then autorenewed in my name, despite me not knowing about it or ever using it, and then they started sending my bills for the subscription to the paper that I had never read. Now, they're sending a debt collector for the {$23.00} bill

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: SLM CORPORATION
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I borrowed Student Loans from Sallie Mae but fell behind on payments. As a result, my loan was charged off and sold to a debt collector XXXX XXXX XXXX. I made two payments with them, but I do not believe these payments went to Sallie Mae. I am in contact with Sallie Mae to obtain any records they have, and the debt collector was hesitant to assist me in this matter. I am trying to assess my options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I spoke with Citi bank via phone call on XX/XX/2022. I informed the representative I had fraud occur on my account and I wanted to report it. I reported the fraud and was informed my investigation would be started. XX/XX/2022 I receive an email saying Citi was closing my credit card account. I called Citi and spoke with XXXX in the XXXX XXXX department at XXXX XXXX. I informed XXXX I was a victim of fraud and she refused to help. XXXX was unnecessarily snark and condescending. I felt helpless and shamed for being a victim.

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 2022-07-28
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I recently have come to find out someone has been using my personal information to get medical care. Some time ago I received a letter from XXXX stating that I had received a medical bill for {$1900.00} dollars. I was never in the hospital on whatever said date and have never even been a patient at this hospital. 
This is the information on the account : Account info Experian Report # XXXX XXXX Account number XXXX Date opened XX/XX/2022 I have since filed a report with the FTC and have attached it to this complaint. The FTC Identity report number is XXXX. 
I have included a written statement on the identity theft report along with attaching a picture of my driver 's license and social for verification. 
I would like this account removed from my credit file because it is fraud. Thank you.

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 2022-07-28
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Investigation took more than 30 days

Complaint:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 


XXXX XXXX  XXXX Date Opened : XX/XX/2018 Balance : {$15000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: FIRSTBANK
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I needed a vehicle transported. I inquired with several companies. On XX/XX/XXXX I got a text from XXXX XXXX of XXXX XXXX XXXX saying they would be able to transport my vehicle. We corresponded via text multiple times. A contract was sent to me via email that I signed off on. To secure a XXXX and pick up they needed a deposit of {$400.00}. I XXXX  {$400.00} to the XXXX account provided to me. Shortly there after, all communication was stopped and the phone number was disconnected. On XX/XX/XXXX I called XXXX XXXX XXXX and they confirmed the gentleman I was talking to XXXX XXXX, was a scam artist. So I immediately called FirstBank to see if the transfer could be stopped. They informed me it was too late and nothing could be done. Emails associated with this scam include : XXXX, XXXX, XXXX. Names of people associated with this scan include : XXXX XXXX, XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: Larsen & Associates, P.L.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from an attorney acting as a debt collector. I disputed the amount owed. It is for HOA fees. Within the required 30 day period. I asked for verification of the debt. This was the first I knew of the debt. They did not respond within the 30 day period as required. I then paid what was owed. 3 months later I received a letter stating that I still owed money. I again asked for verification of the debt within the required time period. They again did not respond within the required 30 days. I then paid my fees through XXXX then out of the blue 4 months later on XXXX I received the verification of debt. This was 8 months after my first request and 4 months after my original request attorney also charged XXXX for it. He is required to provide this info. He has been unresponsive and has been threatening me with legal action.

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 2022-09-20
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I got a second mortgage to pay off my Barclays credit card. This payment was sent on XX/XX/XXXX. On XX/XX/XXXX this check was processed by Barclays bank. This payment was not processed on my account. I called several times over the course of a few days. They would not make a case on several occasions. I called XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They made a case for me finally today. They told me it would take up to 60 days additionally to resolve. Their are now two case numbers that I can and will provide for my two accounts. I have check images that show these payments were made and would like this resolved as soon as possible. In the course of these days of calling Barclays Ive been on the phone over four hours and Ive been hung up on at least four times. Reps have refused to give me a operator ID numbers And in most circumstances been very unprofessional. I do have operator ID numbers for several of the reps that I spoke with and can provide additional details as needed to help in your investigation.

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 2021-08-03
Company: REGIONS FINANCIAL CORPORATION
State: TX
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:
Regions bank is not following applicable bankruptcy laws. I filed Chapter XXXX bankruptcy on XX/XX/2021. This included the two lines of credit, credit card and checking account from Regions bank with the negative balance. These debts were discharged XX/XX/2021. Regions did not attend the meeting of creditors. Yet regions continues to report these accounts as charge offs. These debts are no longer collectible as the debt has been discharged should be reflecting as such to each credit bureau with a {$0.00} balance. Including in void and early warning services. Lastly regions is what caused the bankruptcy to begin with. They allowed an identity thieve to open two lines of credits and a credit card in my name. I previously reported that to regions which they did nothing about. After I filed bankruptcy since the theft caused damage to my health as well as credit and life. I have a fresh start.

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 2022-09-20
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I closed my account on XXXX and was assured that no transactions would allow the account to reopen. I specifically asked about ACH transactions and they reassured me that no attempted transaction would reopen the account. However, on XXXX an attempted ACH transaction from the previous co-account holder was issued and caused the account to go negative in the amount of {$450.00}. As the previous co-account holder can not be contacted, I called the fraud department and asked that they reverse the transaction and reclose the account. They initially agree but then retracted stating that there was nothing they could do about an ACH, contrary to what I was told when I closed 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 non-monetary relief
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 Account # 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. 

XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX  Account # 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 non-monetary relief
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023

Company response to consumer: In progress
Consumer complaint received 2022-09-20
Company: Paypal Holdings, Inc
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I placed a pay in 4 installment plan with PayPal for XXXX XXXX, which is a grocery store. They didnt have some of the items I needed so the amount changed after the plan was in place. 

PayPal charged me {$57.00} for the initial authorization hold of the plan. After the plan had processed they updated the total and then charged me {$51.00} which is the final cost of each installment payment. I was charged two separate authorization holds.

Mistakes and glitches happen so I reached out to PayPal about the two charges. Im getting installment plans for groceries for a reason, money is very tight right now so I need every XXXX. 

PayPal sent me a letter apologizing for the inconvenience and said they would void the duplicate authorization and send the money back. I have screenshots of my bank statement and this letter. I had the {$57.00} put back in my account. 

Today every charge has officially posted and the {$57.00} has come out again along with the {$51.00} being posted. 

I contacted PayPal through messages since every piece of information was still in that message thread. the representative who initially said they would refund it said they couldnt see a transaction for {$57.00} on PayPal ( I couldnt either because theyve adjusted it ) I offered to send my bank statements again and send them back the letter of them apologizing and she ended the chat. 

I understand how authorization charges work. Ive had a pay in 4 amount change before and it all evened out. I have been double charged on this one and PayPal is treating me like Im lying. 

They told me to reach out to my bank and I did, they have told me to reach back out to PayPal since I have the letter saying they would refund me. I called PayPal after they ended the chat and was transferred 4 times and each person said they couldnt find that transaction ( then I would say yes I have the proof ) and talked in circles about how charged work. I know theyre doing their job but I was met with accusation and pointing the finger back at me like its my problem to hunt my money down. They said they couldnt do anything. Every time I told them I understand authorization charges but they charged me twice. Both have posted for the same installment plan, nothing fell off and nothing has been refunded yet. 

Ive also filed a complaint with the ftc because I refuse to get bullied and ran around by a multi XXXX dollar corporation. This isnt right and they recognized that it was their mistake but now refuse to do anything about it- and are acting as if they already resolved it. 

In a nutshell : my installment plan charged me twice and theyve fully posted. Once for {$51.00} and once for {$57.00}. The {$57.00} should be refunded to me. They voided {$6.00} to reflect the {$51.00} but I still have a full charge for {$51.00} and {$57.00} and no one will listen to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: EQUIFAX, INC.
State: GA
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 ACCT # 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 ALSO IN ACCORDANCE TO GEORGIA LAW ( OCGA 9-3-25 ) HAS EXCEEDED THE STATUTE OF LIMITATIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Choice Recovery, Inc.
State: GA
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 have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Dear Consumer Finance Protection Bureau, My name is XXXX XXXX and I am filing this Complaint with your department a copy of the same was sent to FBI team and Federal AG XXXX XXXX XXXX Office also regarding the disasters done by Fifth Third Bank by not following the FBI Complaint that was filed on XXXX XXXX regarding the XXXX XXXX XXXX relief money that was delayed for 12 months and caused the financial burdens for me. I also sent the copy of the FBI Complaint to the XXXX and told them to put the account on hold as the delay occurred from the XXXX  XXXX XXXX department side and was not my fault. I have sent the regular loan payments from XX/XX/XXXX till XX/XX/XXXX and then had to stop the payment as I waited for the XXXX  XXXX relief money which I filed a complaint to the FBI after the delay caused. I have sent correspondences, phone calls and relevant documents which I will attach after filing this Complaint. The phone calls from XXXX team made me get XXXX XXXX and I was in Emergency with XXXX XXXX on XXXX XXXX and that's when I filed the FBI Complaint after coming from the Emergency. Inspite of me sending them the FBI Complaint on XXXX XXXX, they sent me a default letter on XXXX XXXX for which I corresponded asking them to put the account on hold until I receive the XXXX  XXXX relief money. They did not heed to my request and then they towed my car from the parking lot and my car went missing and I called XXXX and spoke to police department who said the car was repossessed. I then sent a letter to XXXX asking to return my car else I will take action on XXXX XXXX. They sent me a letter on XXXX XXXX that they have repossessed the car. I sent the documents to the XXXX XXXX XXXX asking for {$200000.00} plus the value of my car {$39000.00} and the interest I paid from XXXX till XX/XX/XXXX for causing me XXXX XXXX  and bodily injury along with not following the FBI Complaint of XXXX XXXX and wait for the resolution of XXXX  XXXX relief Orders from the FBI. Now I am without car for 58 days and renting and spent more than {$5000.00} in renting the Cars and taking XXXX to travel. Can you please get me back all these money as equitable relief for the damages done by XXXX so I can buy a new Car immediately. I am moving to XXXX and packed all the items for the move and put the US Mails on hold. Can you please call and email me only and send me the relief? Thank you so much for all your efforts in this matter and getting me the relief money after validating the XXXX  XXXX relief application, 3 months of Calls I made to XXXX XXXX team, FBI Complaint, Emergency visit and prompt loan payments till XX/XX/XXXX and my credit  score of XXXX sending in the attachments. 
Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Atlanticus Services Corporation
State: FL
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:
A fraudulent credit card was opened in my name with Fortiva, and used to make purchases in the amount of {$3200.00}. 

An additional account was fraudulently opened in my name with XXXX XXXX XXXX in the amount of {$330.00}. 

I was unaware of the issue until another company where I have a credit card canceled my card due to negative activity on my credit report. When I looked into my credit report to find out what was happening ( XXXX ), I was told about this Fortiva account and debt, and the XXXX XXXX XXXX XXXX 

I contacted Fortiva and XXXX today, XX/XX/2022 and told them that those accounts were not opened by me and are fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Capital Accounts, LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Supposed debt is from a XXXX XXXX  who is no longer open, I have no way to contact them. I never received any billing from that business in the 6 years it was supposedly owed. This collections company got the account I assume when the office closed. I first requested information from them in XXXX and never received it, nor did anyone. Intact me again until XXXX when they sent it to my credit report. The person I spoke to on the phone was horribly rude and spoke over me the entire call. The debt they show I owe from the office is around {$300.00} less than what theyve reported. This excess is said to be interest on them having this account they say is owed. This is a XXXX XXXX that closed. No one contacted me in 6 years saying I owed anything, I no longer have that insurance nor card I paid with, and the office is closed.

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