BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-30
Company: FC HoldCo LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Flagship filed a false response to an earlier complaint stating we could have a one month extension. Yesterday, XX/XX/XXXX, I received a call from XXXX at Flagship staying we could not have an extension. The Flagship employees do not talk to each other. Obviously, XXXX and XXXX DO NOT know what each other is doing with our account. My new job start date was delayed due to the background check. I started on XX/XX/XXXX and will not receive my first check until XXXX. The co-borrower starts their new job on XXXX and will not receive their first check until XX/XX/XXXX. Hopefully, Flagship will not continue to constantly call so we will not loses these jobs and put us further behind!!! They are harassing us!!! We know we owe them!!! Our other car loan company has been very gracious and understanding - Flagship should take a lesson from them!!!

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 2017-03-10
Company: Southwest Credit Systems, L.P.
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I wish to report suspicious activity of a collector. On XX/XX/XXXX at XXXX AM, I was contacted by a " XXXX '' from phone number ( XXXX ) XXXX, claiming he represented Southwest Credit Systems. He was attempting to collect a debt owed to XXXX ( presumably XXXX ) in the amount of {$52.00} from XXXX. He confirmed the last four digits of my social security number. 

However, he then confirmed an address on XXXX in XXXX. I disputed that, as I have never lived at that address or even in XXXX. He said they have my driver 's license information. I asked what state issued the license. He confirmed the state of XXXX. I do not have an XXXX driver 's license. He then asked if I was [ First Name ] [ Wrong Middle Initial ] [ Last Name ] ''. I said I was not, and provided my name. 

At that point he gave me a fax number to send a letter to dispute the debt. I found a sample letter on the federal government 's website, and modified it to fit my situation. I am attaching a copy of what I sent. 

I am reporting this to you, as the situation is highly suspicious to me. I was worried I was the victim of identity theft, but my credit report not only has no fraudulent claims on it, but it also did not have this debt listed either. I am not sure how Southwest Credit Systems could have contacted me at my cell phone number without doing some form of credit report or credit check to get my information. Any review of the information on the credit report would have indicated to them I did not live at the address. The fact they have not put this debt on my credit report seems to indicate they are aware I am not responsible for the debt, but this is an attempt to collect the money from someone, anyone, any way they can. I believe their contacting me is an attempt to fraudulently collect money from me to resolve a debt they know I did n't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: United Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2020 To Whom It May Concern : On XX/XX/2020, I have received a communication letter from a collector agency indicating the account balance that I owed to a credit card {$220.00} ( by the way, the statements of the credit card never reached my apartment due to the credit card statements was missing my apartment number ). The account is already closed. I communicated with the credit card company and asked them if they know anything about it. The credit card company double checked and said that nothing was wrong with my new credit card. They don't know anything about the closed account or the balance that I owned. 
The account balance was {$220.00}, according to the collector agency. Then I disputed the charges writing a letter to the collector agency. The collector phoned me and asked my apartment number to send me those statements. 
I received the credit card statements and I saw my apartment number was missing. Because the apartment number wasn't there, I thought that maybe that was the mistake. I don't remember having that credit card number before. On XX/XX/2020, I sent a check paying the full amount of the debt, {$220.00} in one installment, according to the communication letter that sent me on XX/XX/2020, by the collector agency. As I said, the account is closed. I'm a low-income senior, so I have decided to check my Credit Journey with my bank, and my bank informed me that my credit passed from poor to Fair after paying the full amount of the debt. That was great news for me. 
Then I have received another communication letter stating that I still own a debt of the closed account. The debt corresponds to the interest amount of {$49.00}, and I should pay that amount by XX/XX/XXXX. I complained to XXXX, explaining that I paid the full amount of {$220.00} on XX/XX/XXXX and according to the communication letter received, and I don't owe anything anymore. XXXX  sent me a notification indicating that I will get an answer on XX/XX/XXXX. So, getting an answer from XXXX  after XX/XX/XXXX, means that I should pay more fees? What is the end of all of this? 

Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: Southwest Credit Systems, L.P.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Received XXXX plus calls on cell, work phone, and house phone. First time I answered I asked what this was in reference. They would n't tell unless I verified my social, which I would not do over the phone with some strange company. The second time I asked them to forward the information in the mail. I recieved nothing. The XXXX time I asked them to stop harrassing me at work, home and my cell. Then they continued to call on all three lines almost every day 2 times a day for 6 weeks. I spoke to a supervisor at Southwest credit XXXX XXXX XXXX id # XXXX and asked to stop and asked why it has n't stopped.

Company response to consumer: Closed
Consumer complaint received 2016-01-25
Company: Netspend Corporation
State: LA
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Managing, opening, or closing account

Complaint:
Outsourced rep for NetSpend Visa told me I could n't use the prepaid card I received as a gift without giving my birthdate and social security #. I declined and was sarcastically told " no info, no activation. Essentially they stole my mother 's money. I was told I could not use it as a gift card. What a huge scam! Also, they charge a fee for not using the card-again stealing the money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I talked to someone at AMERICAN EXPRESS about a penalty APR. I questioned them as to why I was charged the 7th month - after making 6 months of on time payments - at the penalty APR. They apologized and reduced the rate, but did nothing to remedy the 7th month of penalty APR interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I wrote myself a check from my XXXX Bank account to be deposited into my Bank of America account. The account was {$3000.00} so that I could pay my mortgage. Bank of America took more than a week to clear the check. By the time they approved the check, a small bill had been pulled automatically from the XXXX and caused my check to bounce by the time the Bank of America cleared the check. This resulted in Bank of America trying to pull the check AGAIN. I was the negative {$6000.00} in the XXXX account because of Bank of America. I called them and asked them to STOP pulling the check repeatedly and to just clear the check so that I could use my own money. They closed my Bank of Account, resulting in me losing so much money. They refused to explain to me why they were closing my account and I tried to get answers and they wouldn't. Thus, I became behind on bills, had overdraft fees, late charges, etc. In total I lost hundreds of dollars from their lack of communication and negligence. At the end, I owed them no money, and in fact, they had to issue me a check back with my balance. 

WORST OF ALL : No Bank will open a bank account with me now. And I can't understand what Bank of America did to me to cause this. I am now flagged with XXXX XXXX XXXX for an UNKNOWN reason for something I never intended or did. I just wanted to move my money from one account to the other. I need to open a bank of account and this has affected me negatively financially and they're response has been, " We do not need to give you an explanation. '' I AM SHOCKED.

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 2020-09-30
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Was promised a job that I got. They then sent me a {$3100.00} check to purchase my mini home office. But wanted me to use their credited vendors. Via XXXX  and XXXX XXXX. I sent {$2300.00} in total. XXXX via XXXX XXXX and XXXX via XXXX XXXX. To the apposed credited vendors. Then, 5 days later the check bounced and I tried gwtting my koney back and XXXX XXXX is refusing to pay. Telling me I should ask the person a refund which I did and they denied it. XXXX XXXX refused to help any further. XXXX XXXX  is taking their sweet time and is under review. I called my bank and tried to dispute the check in general along with those charges I made ending up being part of the scam. Not bank account is over XXXX in the negative with acquiring {$36.00} over draft fee every day its in the negative. I just want the entire check to be cleared. I have screen shots of the purchases and emails with the so called " job '' I qas hired with. I even filled out a w4 for the company so I assumed it qas a legitimate business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26
Company: Netspend Corporation
State: MO
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Fraud or scam

Complaint:
Did not authorize the account and customer service representatives refuse to provide me with who or what company provided with my information. Company information provided was netSpend for a " consumer partner ''. Transferred multiple time but was unable to actually provide me how they received my information. The first individual was XXXX at ext. XXXX that was unable to close the account or provide me with the information. The next was XXXX ( employee no. XXXX at ext. XXXX ). XXXX accidentally deleted my account number after I asked to speak to her manager. XXXX also briefly me on hold to obtain the information and did not have the information when I return. Getting actual person was next to impossible!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I had frozen my credit after the Equifax breach in 2017 and received 10 digit PIN for unfreezing the same. 
Now when i am trying to unfreeze the credit, Equifax is requesting to send Social Security and Driving license copies. 
These were sent by mail on XX/XX/XXXX and again by fax XXXX to XXXX XXXX on XX/XX/XXXX, however Equifax is claiming that documents were not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
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: Credit inquiries on your report that you don't recognize

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 Inquiry details XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX View your credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: Southwest Credit Systems, L.P.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I checked my credit about 2 years ago and found a collections for XXXX. I called and the conclusion of the conversation was that this was not my bill. I never lived in the address that the service was provided, and so it was taken of my credit. I checked my credit on XXXX XXXX and there it was again, but now it 's Southwest Credit. I tried phoning but it said that this number was not taking calls right now. I deputed the debt with XXXX and was told that this is a correct debt and I owe the amount. The funny thing is I never received any kind of collection bill from Southwest Credit until I desputed the debt and then within 1 week of the result from XXXX I received the first bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XX/XX/20, I contacted XXXX/XXXX  by phone due to this account being opened due to identity theft. I did not open this account. The rep said she 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 explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
For years now I have been investigating my credit report. Companies such as XXXX, XXXX and Transunion, have been committing fraud, identify theft and long term racketeering along side of banks and third party companies they are using as shark debt collection agencies. 

i have suffered much XXXX  and XXXX  XXXX  and distress due to this ongoing disproportionate and disgusting behavior. 

These financial institutions breached their fiduciary duty to protect my nonpublic personal information by withholding a known fact!! 

GLBA states i was suppose to receive an explanation as to how I can opt out of all information reporting negative information. 

Late payments/Charge offs = R.I.C.O among federal laws these companies have collectively and knowing kept doing are the following 18 USC 1341 -Frauds and swindles 18 USC 1344 - Bank Fraud 16 CFR 1681 ( CRIME ) 15 CFR 1681c-1 ( FCRA )

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 2022-02-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian is not recognizing my user name or password. They previously allowed someone to change my user name and password. They may have allowed this to happen again.

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 2022-02-26
Company: Experian Information Solutions Inc.
State: CA
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 JPMCB CARD 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.

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 2022-02-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/21 I dispute items on my credit report that doesnt belong to me. I submitted it to each credit bureau asking them for more information on the alleged accounts. No information has been sent. I sent out another letter to follow up to this day I have no information on how these got on my credit report or how they would delete them.As a consumer I dispute these things and Im due a response within 30 days its been well over 45 days with yet no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Someone used my information without my authorization to get a house or apartment and now they are coming after me and tarnishing my credit report. They contacted me from XXXX XXXX XXXX saying I owe {$3400.00} this is outrageous please help!

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 2020-08-29
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have disputed information on my credit report. I have proof that numerous items are not valid, have incorrect information, are showing incorrectly, that are being reported incorrectly, the debt is not legal or valid, previously disputed items that have been acknowledged as removed by the bureau is still reporting on my account. 

The agencies refuse to remove properly disputed information that had been proven as not legal or valid.

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 2020-05-14
Company: National Credit Adjusters, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit Adjusters recently attached a copy of some service agreement that does not even bear my wet signature. It has my name TYPED in. Nowhere on there is a place where I signed. This is actually getting pretty ridiculous. This agreement not validation that I owe anything. They to eradicate this erroneous debt immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
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: Account status incorrect

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under XXXX XXXX. 

XXXX Account # XXXX 30 days late in XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Please refer to case XXXX for more information. But the summary is that Bank of America closed my account, and I still don't know what I did wrong. I am unable to open an account, and no one will tell me why. 

Bank of America can not discriminate against someone that wants to use their services. They have claimed that they respectfully decline to tell me why they closed my account. That is not a sufficient answer in a world where companies have proven to discriminate against certain groups of people. 

I have attached my most recent online application which was again denied without providing any reason as to why. I called the number, and they also were unable to provide any reason. I have also attached the closure letters that were sent to me 6 years ago. This should help them find my case. 

Banks have used taxpayer money in the past and I'm sure they will do so in the future which means that they are accountable to us, not the other way around. These kinds of processes need to be transparent.

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 2020-04-19
Company: BANCO POPULAR DE PUERTO RICO
State: FL
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:
Since XX/XX/XXXX I am requesting Banco Popular to show a second mortgage account as closed in my credit report and they ignore me. I even talked to them over the phone last year and they recognized it was a mistake and agreed to fix it but the account still shows as an open account in delinquency. This house was sold by the bank by XX/XX/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