BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
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:
So the first payment I sent from my XXXX checking account was not posted until after I called and complained. It took over 5 days from when the payment was taken on the day I requested it. This was a {$50.00} electronic payment made in XX/XX/2022. So I made a second payment in person at the fifth third bank with a check from my chase bank checking account. This was a {$250.00} payment made on XX/XX/2022. This was posted from my XXXX checking account the same day I paid Fifth third bank on the same day I made the payment at the fifth third bank location ( XXXX XXXX  on Friday Morning ). I have called both times and was told the first time not to do an electronic payment as it can take 5 or more days to post. I called again when the XXXX payment still had not posted by XXXX pm on Monday the XXXX of XXXX and was told it can take 3-5 business days to post to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
For the past 3 days, I have been trying to obtain my free credit report from Experian, via the " annualcreditreport '' website. Each time, I answer the preliminary questions ( name, SSN, etc ) and get to the XXXX screen ( specify which report you want ). I request only the report from Experian. At that point, the request fails. I get a message from my web browser ( XXXX ), stating that it can not validate the security certificate for annualcreditreport.experian.com. When I tell the browser to continue anyway, I get a message from Experian, saying that my request can not be processed at this time, try again later. In previous years, I have been able to request the free credit report from Experian and the other XXXX companies, via the annualcreditreport.com website. I suspect that Experian is causing this problem deliberately, to prevent people from obtaining a free credit report from Experian. Furthermore, there is no way to contact Experian via email to report the problem. I request assistance from CFPB to obtain this report, and that CFPB take action against Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Disputed some information, I received a letter from the creditor saying they did not have enough information to investigate ( should have been provided by Experian ). I re disputed and ask why they were not providing information to creditor. I received a letter from creditor that I had notified Experian of fraudulent activity ( I never did ) now my credit card is on hold till I prove to them who I am!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Yesterday I received XXXX calls from a debt collector XXXX XXXX XXXX XXXX XXXX stating that they were a law firm attempting to collect a debt. This is after a conversation I had the previous day ( different customer service agent/paralegal ) requesting an email with their original correspondence as I had recently moved. I did not receive this email. 

They called at XXXX, XXXX and XXXX ( yes I have the EXACT time, and the calls came to my employer ). 
During the first call the man refused to give me his name and literally YELLED at me screaming, " YOU KNOW WHAT YOU NEED TO DO, YOU JUST NEED TO PAY IT. STOP TRYING TO BUY TIME!!!! '' All I asked for was a copy of the original correspondence in regards to the debt that was sent to me. I asked for them to email this letter so that I could review it ( I mean who makes legal decisions without seeing something in writing? ) and he yelled, " SO WHAT ARE YOU GON NA DO?? IF I SEND YOU THIS EMAIL I WILL GIVE YOU XXXX MINUTES TO READ IT AND I WILL CALL YOU BACK. STOP TRING TO BUY TIME! YOU '' RE GINNA PAY THIS!!!! " Needless to say, I then hung up the phone. I was at my place of employment getting yelled at by a stranger that refused to provide the correct documentation in regards to the debt, and was yelling commands over the phone. They also threatened legal action and wage garnishment, and would not let me speak AT ALL. 

During the second call he called and said, " SO WHAT IS YOUR EMAIL?!? '' No hello, no can I speak so so-and-so or anything. I gave him the email and he began to yell again. " SO WHAT ARE YOU GON NA DO? YOU NEED TO PAY THIS NOW! YOU HAVE XXXX MINS TO READ THE EMAIL AND I AM CALLING YOU BACK TO ASK YOU HOW YOU 'RE GON NA PAY!!! '' I kept saying ( in a very low and calm voice because I am at work ) to " Please stop calling my job. '' He kept speaking over me and would not allow me to ask questions, so yes, I hung up. 

The third call went ignored. Did I mention hat they left a message on my SUPERVISOR 'S voicemail???? This is where it must end. I do n't care if someone owes {$5.00} or $ XXXX, there is no reason to yell and harass them at their place of employment. This company has crossed the line. I sent a cease and desist letter via email, AND CERTIFIED MAIL and received yet XXXX other phone calls this morning. 

So technically there are 4 issues:1 ) Frequent or repeated calls2 ) Used abusive language3 ) Threatened to take legal action4 ) Called after written case of communication notice.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-09-09
Company: U.S. BANCORP
State: SD
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
My employer received a call from XXXX saying the reason of the call was for a subpoena for me and that they could n't give any other information. Returning the phone call, I was told that a letter was sent to XXXX, XXXX XXXX XXXX XXXX ( that zip is a XXXX zip ) by US Bank with no response and I am now being taken to court ( they were unsure of which court ). They referenced a US Bank account from 2006. 

I repeatedly asked if this was an attempt to collect a debt, always the response was no, however, this line was referenced three times, " do you want to take care of this now or are we going to see you in court. " I have a XXXX credit rating. This account that they are referencing was taken care of years ago. They are trying to scam money out of people through old debts. The fifth person I talked to finally gave me an address of their location : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I recognize this address! I have sent a letter to them to cease their attempts to collect past debts! XXXX XXXX XXXX is listed as an attorney at this address. How is she and her office still in business?!?! A XXXX search shows tons of complaints! Seriously, HOW IS THIS OPERATION STILL OPERATING??? 

They have my social security number and are threatening me with illegal legal action!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection agency IC System of XXXX  XXXX, MN claims in XX/XX/2019 that I owe {$370.00} which they say is overdue for cable service provided by their client XXXXXXXX The account, # XXXX, is for a location in XXXX, NY. I explained to IC System that this account can not be mine, since I live in California, have never been in XXXX, NY and have never had or authorized cable service or any other service in XXXX, NY. I asked IC System if they had a social security number or drivers license number associated with the account and they did not have that information. They stated that they had my name, XXXX XXXX, to which I responded that this is not an uncommon name. I told them this was clearly a case of mistaken identity ; however they would not listen. 

The larger problem is that IC System is the second collection agency to harass me about this same XXXX account. 

In XX/XX/2019, XXXX XXXX XXXX of XXXX, TX sent me a collection notice for the same amount and the same cable account number. I called both XXXX XXXX XXXX and XXXX at that time. Neither would cancel their claim. Instead they demanded that I either pay the amount or spend hours of my time in completing their data package, including trips to our police station, while offering me no evidence of why they were billing me other than that they had my name. The fact that XXXX recognized that I have long had a valid cable account with them at our home in California which is fully paid up and has had no late payments ever, did not deter them. XXXX XXXX XXXX then filed notices with the three major credit reporting agencies. I sought the advice of our ID Theft insurance company who helped us get this reversed and ultimately get my credit rating restored. 

I demand that XXXX and IC System stop harassing me for a case that had been previously resolved in my favor, that they reverse any credit ratings filed against me, and that XXXX and their collection agencies not harass me in the future for debts that are not mine.

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 2021-09-30
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a HSBC credit card which I was not using and there were no annual fees for the last several years. Without my consent they had converted the card to a credit-card with annual fee, charged an annual fee and then started auto payment ; payments were returned and then they started charging returned check fee and finance charges. I only see all of this when they sent me a collection bill. I have never used the card or consented these changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have sent the attached letter and attachments to each of the credit bureaus, XXXX, and XXXX XXXX XXXX, original counsel for XXXX and the law firm that sent me the copy of the Release of Deed of Trust. My letter explains my issue which is the outstanding balance for a short sale that occurred and was closed in 2010 still remaining on my credit report. I have recently been turned down for a loan due to this remaining balance appearing on my credit report. I spoke to one of the credit bureaus and they said I had to contact the lender because they only report what they have been given by the lenders. I am now working with another lender to approve a construction loan for me and they have indicated that I may need to get an attorney. I would prefer not to incur this cost or time delay and therefor I am filing this complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-02
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX Mortgage company had reported me to all credit bureaus as FORECLOSURE HAD STARTED -- -absolutely complete lie!! I had reached out to Consumer financial protection agency to get XXXX to own up to their errors, which they did and finally XXXX sent me a letter to inform me that XXXX would contact all credit bureau agencies to repair the damage. XXXX will not accept the letter from XXXX they want an " electronic deletion from XXXX directly ''. XXXX is not entertaining my request and told me they already sent the letter and that 's enough. I do not feel I am being treated fairly from EXPERIAN! XXXX account needs to be PERMANENTLY removed from my credit reports as well as the HARMFUL " foreclosure '' remark needs to be removed from all XXXX credit agencies : XXXX, XXXX AND EXPERIAN!!! I have monitor systems on all these accounts and the foreclosure is still being reported!! 
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 explanation
Consumer complaint received 2021-09-30
Company: Meritize Financial Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Original Balance for pay off amount is {$5700.00}. 
When I called Meritize, they said I owe them {$6100.00}. 
They are adding interest each month for an charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This is a continuation of my original complaint CFPB # XXXX from XXXX. I received a letter from the creditor agreeing with everything as I requested which I am unable to locate at this time. They corrected my report with XXXX but now it is showing up on Experian. Despite my efforts, I have not been able to correct Experian. I have attached copies of my original correspondence. Please help if you can.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Client Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
They offered settlement and before the end of payment schedule they sold my account to different company, I paid 7 installment of 10 and when I called them to pay the balance, they said the account sold. 
I received a letter from the new collector dated XX/XX/ and my payment schedule suppose to end XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
This credit report agency has the wrong if not precise report from creditor which is not true causing conflict with merchants regarding Lawyers, accounting experts and etc contacting me via mail and with certification of tax lien imposed on me through IRS which is not so. I contact the number given of the county clerk in XXXX County and they indicated that there were no Legal Tax Lien on my account. I then contact the credit agency without making a report regarding this matter in which they replied that this case is active. This is fraudulent according to the State Law and it has to be dealt with accordingly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-10
Company: VIRTUOSO SOURCING GROUP, LLC.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Virtuoso sourcing group called me on XX/XX/2015 and I told them the person they are looking for does not live at this number remove my number then they call again on the XXXX XXXX and I told them again to remove my number then they call on the XXXX XXXX and again today XXXX and I told them again to stop calling me and remove my number for the XXXX time

Company response to consumer: Closed
Consumer complaint received 2022-11-22
Company: Ability Recovery Services, LLC
State: AR
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this same issue in XX/XX/2022. XXXX College continues to send {$1000.00} as a collection on my credit report through different third party collection agencies. The first collection agency I disputed this with sent no proof and harassed me over the phone that I owed {$1000.00} to them. I filed a complaint and they deleted the collection. I now have the same collection on my credit report from a different agency called Ability Recovery Services. I called in XXXX and still have not received any proof from this collection agency about the {$1000.00}. I researched Ability Recovery Services and they are not even licensed to collect debts in the state of Arkansas, so why are they harassing me? I want this taken off my credit report and I want it to stay off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Please see the enclosed XXXX statement for XX/XX/XXXX. My due date was XX/XX/XXXX and my account was paid on XX/XX/XXXX for XX/XX/XXXX and XX/XX/XXXX for XX/XX/XXXX. Therefore my bill was not late and please updates all credit reports with this information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The employees at Experian is selling and exchanging unverified information in my credit file.They owe me a legal and lawful fiduciary duty.They are refusing to honor my Identity Theft Affidavit omb # XXXX, blocking request, and Identity Theft Report filed with the US Postal Inspection Service.They are reporting a bankruptcy and refused to substantiate the bankruptcy by oath or affidavit.Federal Trade Commission ID Theft Affidavit does not have an OMB Number issued by the director in accordance with the act.The employees at Experian should already have a copy of the paperwork on file already before they reported the bankruptcy, otherwise someone could mail fax or email in a fraudulent account.They continually send me form letters violating my civil rights ignoring my requests over and over again violating the Fair Credit Reporting Act.This account is inaccurate because it has not been verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I called a bank to get information about rates and policies after an offer was accepted on a home that my wife and I were looking at. I liked the rates and costs that were presented to me by the loan officer, but however I was not ready to commit because my home inspection had not yet taken place. The loan officer then offered to get the loan process started and get my rate locked in with the condition that I would be able to cancel without charge if something turned up in the inspection. I agreed and got the process started. The condition that I would not be charged a fee if I canceled due to inspection issues was repeated to me on a recorded line. 

Our inspection took place a few days later and it turned up major issues such as a bad roof on the house and detached garage, high radon levels, old galvanized plumbing, water damage, and possible foundation issues. After a few days of negotiating with the sellers, we walked away from the deal because we were not able to come to a resolution. I called the bank to cancel the loan. I spoke with the loan officer about the need to cancel. He said to email him the inspection report and that everything will be taken care of. He also said that we should call him back when we found another home. I emailed the report as he requested and thought everything would be cleared up. 

A week later I saw a {$450.00} charge on my credit card by the bank. I called the loan officer back and he said he would escalate the issue to management. I emailed him another copy of the inspection as he requested and waited for the charge to be refunded. However, after 10 days no refund showed up. I called the loan officer back and left a voicemail. After a couple days of no response, I called the bank 's general number and requested to be transferred to a manager. I was finally able to speak to a manager who said he would look into things and would try to get the charge removed. He also stated that he would call me back the next day. However, I did not hear back from him, and still have not heard from him at all 1 week later. 

I called the loan officer again after not hearing from the manager. I managed to reach the loan officer. He said he thought it was taken care of and was surprised that the charge was n't cleared up. He said he would have his manager call me back within the hour. No one ever called. 

I emailed my loan officer again today with no response. So I am now filing a complaint to get this issue resolved.

Company response to consumer: Closed with explanation