BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Reported the following scam to Paypal. Have gotten my claim denied, am appealing but I should not have to waste my time and effort fighting Paypal when this person is a felon and known scammer. 

XX/XX/XXXX : Paid XXXX XXXX and XXXX XXXX ( XXXX XXXX, not a registered business ) for home repairs. 
XX/XX/XXXX : {$190.00} via paypal for replace faucet and shower head with valve change, install dishwasher which was never complete, make a bookcase door separating kids room from living room, fix XXXX flooring spots upstairs XX/XX/XXXX : {$120.00} via paypal to XXXX XXXX to fix tub wall XX/XX/XXXX : {$180.00} via paypal to XXXX XXXX to put tub wall back together and frame window. XXXX refunded, XXXX asked that I send as friends and family to XXXX via paypal XX/XX/XXXX : {$180.00} via paypal to XXXX XXXX to put tub wall back together and frame window. 
XX/XX/XXXX : {$50.00} for materials & picking up cabinet to put upstairs XX/XX/XXXX : {$50.00} moving cabinet XX/XX/XXXX : {$97.00} delivery of cabinet and p-trap accessories so he could finally finish the dishwasher. 
Total : {$690.00} The only thing that was completed was the faucet/showerhead install, everything else was left incomplete and unusable, whereas before at least everything was usable. 

I am prosecuting the person committing fraud, XXXX police report # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Judgment for an unpaid Veterinary Bill showing on XXXX Equifax that has been satisfied and a Tax lien that is being shown paid that should have been vacated on my Credit profile for Equifax XXXX. Please help me, this is the second time these items have prohibited me from getting a mortgage. Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I paid off my credit account but they refuse to mail a final statement showing the account is at a XXXX  balance. They state they do not mail a statement unless there is a balance on the account but how can I verify that my account has been paid in full if they do not send a statement. When I opened the account I was told a statement would be mailed every month that there is ACTIVITY on 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 2022-10-14
Company: MECHANICS BANK
State: WY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Late fees of {$15.00} per month on the account summary portion of the Mechanics Bank Auto statement, but on the payment coupon further down the statement shows late fees ranging from {$15.00} ( correct late payment fee ) on XX/XX/2022 statement, but each statement after XX/XX/2022 having overcharged with the highest amount being {$75.00} on the XX/XX/2022 statement. 

I've been trying to catch up on payments on my account but the varying fee amounts are making me fall further behind. On the XX/XX/XXXX payment due date coupon, it shows {$75.00} in late fees. On the XX/XX/XXXX payment due date coupon, it shows {$60.00} in late fees. Then again in XX/XX/XXXX, it shows {$60.00} in late fees as well. On XX/XX/XXXX it shows {$45.00} in late fees. XX/XX/XXXX shows {$30.00} in late fees. XX/XX/XXXX shows {$15.00} in late fees which is the only month where it seems correct. Every other month it seems like it was being duplicated two to five times what it should've been. 

From what I understand, late fees are {$15.00} per month according to the account summary on the estatements but I've been overcharged by quite a bit for the last five months. 
XXXX - {$75.00} late fees minus correct {$15.00} late fee = {$60.00} overcharged XXXX - {$60.00} late fees minus correct {$15.00} late fee = {$45.00} overcharged XXXX - {$60.00} late fees minus correct {$15.00} late fee = {$45.00} overcharged XXXX - {$45.00} late fees minus correct {$15.00} late fee = {$30.00} overcharged XXXX - {$30.00} late fees minus correct {$15.00} late fee = {$15.00} overcharged Total overcharged late fee amount = {$190.00} On the mechanics bank auto website account history it shows 5 late fee assessments of {$15.00} each, so I'm not sure why there are 5 months of 2x to 5x the amount of the original {$15.00} late fees added on to my minimum amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/2016 I checked my Huntington account and noticed XXXX charges of {$25.00} which I did not make. Also I noticed on XX/XX/2016 I had XXXX late charges of {$37.00} when I had money in account and did n't have any purchase.. I called to get charges which were unauthorized and the phone customer service person who gave her name as XXXX for customer service number XXXX at XXXX said I have to send in documentation to remove unauthorized account for complaint number given to me XXXX XX/XX/XXXX. I also asked for email documentation of my request to remove unauthorized items and XXXX first said they would sent me email verification but did n't then said it would take 45 days to correct iten not ten as she said before. Huntington continues to remove monies from my account without my authorization. They continue to charge me late fees without cause and the only way you can now contact have phone operators who refuse to provide fixes to errors and do n't correct errors and false charges on account. Also I received a notice that people have had unauthorized access to my account checking my balance without my permission, denied by Huntington customer service rep. XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-20
Company: Apelles, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a bank account with XXXX XXXX with a reserve line of credit attached that acted as an overdraft protection. I opened a bank account with a credit union and did not touch my XXXX XXXX   account and it had $ in the account. I went inside a branch only to find out my account was negative and about to be sent to collections. Apparently they took out a reserve line payment for more than what the account had which I did not know until I went to the branch to physically make a payment so after that it accrued fees totaling over {$100.00}. I tried to fix the issue but it was already in collections so it went to appeles collection agency in XX/XX/2019 for the amount of {$150.00} which I disputed and never heard anything nor did I receive a letter or any documentation with the outcome of the dispute.Then on the XXXX of XXXX I received a new collection letter for the same debt from XXXX XXXX which I also disputed and heard nothing.so I called the first collection agency appeles to ask what happened with the dispute they told me they weren't collecting a debt and it was marked paid in full but they couldnt release any paperwork stating that and advised me to call XXXX XXXX  which claimed to have no notations of the dispute whats so ever. Fast forward to XX/XX/XXXX I received yet another collection letter with again no outcome from the last company on the dispute again this time it is XXXX XXXX XXXX, XXXX I again disputed it for the 3rd time now within 5 months I'm just really getting tired of writing dispute letters only to get a letter for the same debt from another agency regarding the same debt that I have been disputing since XXXX. I just want this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Several years ago I consolidated about XXXX credit cards with consumer credit services I paid them entirely off and Experian is not removing all of them all Saying they are charged off or a bad debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
The day after I opened a Venmo account & had money sent by my fiancee, I went to withdraw/transfer money to my bank account as well as send some back to my fiancee. I was unsuccessful at it and received an error message that my account was frozen. XX/XX/2022 account set up, money transferred on XX/XX/2022. 
Had opened up a dispute online immediately. XXXX had back & forth conversation about why my account was frozen & Venmo asking multiple levels of verification my part, which 2 steps from setup of account had happened before account open. Asking for debit card, bank statements, photo of debit card & photo of ID or passport also. They have what I felt kidnapped my money from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28
Company: EQUIFAX, INC.
State: PA
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 Agency Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C 1681 section 602 A States that 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 an account without my written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received a promotional offer flyer while on an XXXX XXXX flight during XXXX of 2022. This flyer pertained to the Barclay 's AAdvantage Aviator Red World Elite Mastercard with a unique promotional code inside that was advertised for a {$0.00} first year annual fee. 

I signed up for Barclay 's AAdvantage credit card using this promotional code but was still charged a {$99.00} annual fee. When I brought this up to the company I was told they would not be able to honor my promotional terms because the code was not correctly used. The language below is a quote from their support team. 

" We understand your concern and apologize. The offer will vary slight according to each application channel. Cardholder have to applying using the correct code or they will not receive the correct offer. We apologize for the confusion, and hope that we've been able to clarify the situation. 

We are unable to change the original offer that you were approved for due to Federal regulations that state we can not change the terms of our customer accounts within the first 12 months of account opening '' However, I can confirm that I did use the promotional code and still have kept my promotional flyer to this day.

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 2016-06-14
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a CitiGold Checking Account with Citi Bank and was enrolled in a promotion to earn XXXX XXXX XXXX miles after a specific set of requirements was met. This was in XX/XX/XXXX I believe. I fulfilled the requirements for the bonus in XX/XX/XXXX and, after I contacted Citi, was informed that I had indeed earned the XXXX bonus miles and they would be credited to my account within 90 days. Now, it has been over XXXX days and I still have not received the miles. I have talked to several representatives at Citi and none were able to resolve my issue. It now appears from they way they are handling the situation that they are not going to issue me the miles at all.

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 2016-07-21
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Called at XXXX from a local number, despite the company being headquartered in New York, and left a 3 minute long voicemail, after i had contacted them yesterday to notify that i was in dispute with XXXX XXXX XXXX and XXXX on the collection, and that it was in fact illegal. The company has also consistently called and harassed me.

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 2022-03-28
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Someone opened a Macys credit card account under my name without my knowledge. I am receiving notices from a debt collector of {$300.00}.

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 2021-04-22
Company: Omega RMS, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Omega rms keep informing me that I will collect interest on the debt owed, I can settle on the account but they are charging me an XXXX dollar fee for each payment and tells me I can mail in the payment and wont stop any of the interest on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
XXXX XXXX. In XXXX XXXX Bank of America who holds my Visa card, acted in collusion with Bank of America Mortgages, and arbitrarily reduced my credit line to about {$50.00} over my current line. As you know, this has negatively affected my credit score which for the past several years has been negatively affected by Bank of America and its lack of sufficient documentation and lack of clarity on loan amount. My mortgage loan balance is approximately {$12000.00}. Bank of America has returned several ( XXXX ) payments to me, thus showing on their ledgers an unpaid month, then in turn, they charge me with late fees and penalties.

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 2021-01-15
Company: Experian Information Solutions Inc.
State: NM
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: Problem with personal statement of dispute

Complaint:
The XXXX XXXX XXXX XXXX reported that I owed money and sold the alleged debt to XXXX XXXX XXXX XXXX. I have been disputing XXXX XXXX XXXX XXXX since XXXX with Experian. So, The XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are negatively impacting my Experian credit report. 

I do not owe either company. The XXXX XXXX XXXX XXXX admitted to mistakes made on my account and did not correct the mistakes, collected insurance on the account and also collected more money when the account was sold. Basically, The XXXX XXXX XXXX XXXX engineered a debt and recouped losses more than once for the same debt and is still reporting negatively in one section of my Experian Credit Report. 

XXXX XXXX XXXX XXXX is trying to collect on the engineered debt that was purchased from The XXXX XXXX XXXX XXXX. 

I have requested from Experian the source of the investigations. How has Experian been conducting the investigations? I have requested copies of the investigations and requested the source of the investigations. I have not received. 

I have written in to add my personal statement- on several occasions. My personal statement has never been added to the Experian Credit Report. 

I have written in to Experian and XXXX XXXX XXXX XXXX and informed both companies this is not my debt and most importantly I am not affected by any natural disaster or the current pandemic. I simply do not owe this engineered debt. 

I last wrote both companies in XX/XX/XXXX. NO RESPONSE from the XXXX XXXX XXXX I received an email from Experian to check my credit report. There was no reference to my request for investigation results, investigation sources, copy of investigation report and no addition of my personal statement. 

What had changed in my credit report was You Have 1 New Late Payment : This item was updated from our processing of your dispute in XX/XX/XXXX. There was no reference to my request for investigation results, investigation sources, copy of investigation report and no addition of my personal statement - I do not believe my requests were for a new investigation. I was requesting information on what was already done and how the investigation was done, I also wanted my personal statement added. However it seems -Anything sent in to Experian is processed as a new dispute.

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 2022-04-08
Company: NCB Management Services Inc.
State: NV
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:
FRCA Violation credit card XXXX XXXX XX/XX/XXXX FRCA Violation real estate loan late payment XXXX CARES ACT Violation personal loan late paymentsXX/XX/XXXX FRCA Violation other loans XX/XX/XXXXXXXX FRCA Violation hard inquiries XX/XX/XXXX XXXX FRCA Violation collections NCB MANAGMENT SERVICES

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: U.S. BANCORP
State: IA
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 contacted US bank as they are not reporting I made a payment on card ending in XXXX in XXXX of 2020 to XXXX and XXXX They told me to send a letter, which I did. They sent a letter back saying they investigated and everything is accurate. They included a phone number in the letter to call, and when I call they say they can't do anything about it.

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