BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hard Inquires were not made to my credit report that I didn't authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02
Company: Self Financial Inc.
State: MD
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 paid my credit card payment in full in cash to Self on XX/XX/2022. The full amount was debited from my XXXX XXXX bank account. 

Self refuses to post this payment, knowing that the funds have been taken from my account with me paying an extra {$3.00}. My account is in good standing and not late. I should have have to pay to have my payment posted to my account.

This pay-to-post is new for Self. I had routinely posted my account during the last year and had it posted to my account within 24 hours until the last two months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: RIA FINANCIAL
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I started my money transfer to XXXX on XX/XX/2018 through XXXX XXXX XXXX which is the DBA of XXXX XXXX XXXX, by online Order Number : XXXX for the amount of {$150.00} and {$3.00} transfer fee. I filled out the form as described all information. After few days when the recipient did not receive the money I called XXXX XXXX XXXX in California and they told me that they will contact their agent and get back to me. 
Nobody called so I called them again. After few calls I requested them to cancel the order and refund the money. 
Since then I have called them sever times and they are saying that it takes time to refund the money. It's been now 15 days, I believe, since they are promising that they will refund the money but nothing is happening.

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 2023-12-16
Company: OneMain Finance Corporation
State: AZ
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was receiving solicitations from One Main Financial via email and or text. I originally took out a loan for {$1500.00}. However, I continued to get solicitations with offers up to $ XXXX. I got caught up in the sales pitch and agreed to a $ XXXX personal loan with 35 % interest rate, and it was deposited into my checking account immediately after finalizing XXXX have a personal loan with XXXX XXXX XXXX XXXX for $ XXXX with 17.7 % interest. I am making my payments on time and will continue to no matter the outcome of this complaint. I feel that I was gouged by One Main Financial because my payment history for all my debts and utilities are perfect -- no late payments and my XXXX is at about XXXX. When I tried to get another loan from XXXX XXXX XXXX XXXX they sited my Income to debts ratio and was declined. Following that denial One Main Financial solicited me. I want my interest rate to be reduced to 18 % because I am paying all my debts on time and in full. The debt is a burden and leaves little to live on. Hope you can help me get a lower payment. All my income is military pension, civil service pension and social security

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: DCI Credit Services, Inc.
State: ND
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am about to sue DCI credit services in North Dakota because Ive been disputing a debt and told they didnt have to give me verification. Now I am receiving paperwork for the same debt with a revised amount but still No verification. Also it has been on my credit report since XX/XX/2023 but they are trying to change the amount now and already threatened to sue me about the past amount which is changed now so how is that legal? You put something that is false on my credit report to hinder me? Thats legal?? I dont think so. I will taking action and need my credit report cleared up from this nonsense. They are clearly breaking laws and that needs to be dealt with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Block, Inc.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I ordered a XXXX from a XXXXXXXX XXXX  seller who prompted me to pay with cash app. I paid half of the price, so XXXX at the start, and half when shipped, so XXXX when shipped. The seller sent me an old tablet with a bulging battery ( to the point the screen was coming off ) instead, and blocked communication with me. I reported the seller on XXXX and cashapp and requested a refund, but both actions have not produced results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Attached is an identity theft report with fraudulent accounts that are reporting to my Experian credit report. Listed below are all fraudulent accounts Experian Fraudulent Accounts XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX {$63.00} XXXX XXXX XXXX XXXX Al {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$840.00}

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 non-monetary relief
Consumer complaint received 2018-12-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
Wells Fargo failed to review information as provided regarding a personal loan. When challenged, under-writers within the company made sure the re-review was 'in-house ' to prevent a correction in the decision. This is a part of a bigger and known problem with Wells Fargo and their unfair lending practices.

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 2023-10-31
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX I was notified by Columbia Debt Recovery LLC DBA Genesis regarding an amount from a place I moved out of two years ago. I thought I had already settled this with the apartment. I requested an itemized list of what was owed, which they could not provide to me. I also disputed this charge with the company by providing previous emails with the apartment company showing that I owed nothing. I called the apartment complex and they were also confused why I was being contacted by a debt collector as they confirmed I dont have a debt. After I disputed the charge they provided no follow up despite the law : 15 U.S. Code 1681i which states : ** ( **A ). A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency '' I have not received any written notice of the reinvestigation and it has been well over five business days. It is now the end of XXXX and I have heard nothing from them regarding this. They still call me every day asking for me to pay despite me telling them many times to stop contacting me about this false debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/18, I asked for my loan to be recalculated to a different IDR plan. I had an income change, and also hoped hoped to go from an IBR to either a PAYE or REPAYE plan. I specifically DID NOT check the box stating that I wanted to go into forbearance because I do not want my interest to capitalize. I wrote a letter along with the application clearly stating that I did not want to go into forbearance, so there would be no confusion. The paperwork states that one month of a standard payment rate would be necessary, but it does not state that forbearance is required.

I received two letters on XX/XX/2018 in the same envelope. The first letter said my loans were placed in forbearance and that I must pay a reduced standard repayment for one month, which is listed as XXXX. The next letter was a disclosure of repayment terms, which is not based on any IDR plan, and suggests that I will be paying around {$520.00} per month, and that I could apply for an IDR plan. Neither of these are what I requested, and neither is acceptable. 

This is the second time I have been mistakenly placed into forbearance, and it will be the second time that my interest was incorrectly capitalized. This is at least the fifth letter I have written to CFPB for assistance. I no longer reach out to the servicer, because when I have in the past, the issue does not get resolved. There is a reason I have chosen to pay my loans under IDR, as I make very little. As a public servant seeking PSLF, I have very little room for financial fluxuation, and zero willingness for an extra {$5000.00} dollars to be added to my loan every time my paperwork is misread. So I am reaching out again to CFPB requesting assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: ARVEST BANK GROUP, INC.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
In less than 3 hours, I have received over 25 calls from different phone numbers all from Central Mortgage company. I did not request information. They have refused to stop calling me. I have blocked all numbers that have called me. I have both denied calls and answered calls asking them to please take me off their call list.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Avant Holding Company, Inc.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Opened Avant- credit card. Credit card is not used and balance keeps going up. My spouse has been paying thinking I use the card. Upon review of my credit cards I see the card is maxed out. Weve been paying toward a balance I do not have. Avant owes me money at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: Mr. Cooper Group Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I filed bankruptcy back in 2011 due to medical reasons. Went through the 7 year wait time, all while still paying mortgage to XXXX XXXX XXXX, Nationstar and currently Mr Cooper. I was told that these companies DID NOT HAVE TO report my 'ON TIME ' payments to the 3 credit reporting agencies. Granted, I do not have ANY credit cards, but shouldn't mortgage payments count?? It was rather surprising to find out that my credit score was, and currently still is, XXXX 'XXXX '. This can not be correct. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX - Account # XXXX, Account name : XXXX XXXX XXXX - Account # XXXX Account name : XXXX XXXX Bank Account # XXXX, Account name : XXXX XXXX XXXX / XXXX - Account # XXXX, Account Name : XXXX XXXX Bank Account # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXXt # XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-12-25
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:
I am a natural person, i am a living human being, i have rights under 15 USC 1681.

Equifax is govern by USC 1681. and they violated my rights numerous times. I demand the accounts listed below be removed because : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to 15 usc 1681 : I have rights to privacy and i did not give Equifax written permission to furnish these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: WELLS FARGO & COMPANY
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Wells Fargo had a major service outage in XXXX of XXXX. I have been unable to access my Wells Fargo online account since that time. 

All of my statements were previously received exclusively through Wells Fargo online, which I am unable to access since XXXX of XXXX. 

I switched to another bank in XXXX of XXXX, because Wells Fargo was unable to help me re-establish access. This was after speaking with several people via telephone and in-person. 

I kept my credit card open, because it was my oldest card. But I stopped using it, because I was no longer receiving statements. 

In XXXX of XXXX, Wells Fargo reporting me to the credit bureaus for non-payment. This was surprising, because I had not been using my credit card. And, Wells Fargo made no attempt to contact me before ruining my credit. 

The charges were obviously fraudulent, because I had not been using my Wells Fargo credit card. I reported the charges to Wells Fargo, and they agreed to remove them. I have a letter in writing where they agreed to this. 

Wells Fargo reported me again in XXXX of XXXX. Apparently, they never removed the charges like they said they would. Credit score drops again... 

I still don't have any statements. Don't have any idea what these charges are. Or who made them. 

I visited a branch in XXXX of XXXX. They said they were going to open an " executive case '' or something. I've never heard anything. 

I blindly started sending money to Wells Fargo in XXXX of XXXX. I didn't want them to ruin my credit again. Apparently, I got everything paid off during this time. Although, I still didn't have any statements. 

I talked to someone on the telephone in XXXX of XXXX. Very rude and unhelpful. Completely denied Wells Fargo 's role in this fiasco. 

I started submitting complaints, letters, and disputes to various agencies. Trying to find someone who would help. 

In XXXX of XXXX, I received a XXXX  package. It had statements for my credit card account. But, not my checking account. I was able to verify that all of the credit card charges were fraudulent, and not initiated by me. I sent a letter to Wells Fargo, again asking them to remove these charges -- like they originally agreed to do in XXXX of XXXX. 

It also contained a letter claiming that there's records of me accessing Wells Fargo online. This is a little infuriating. I am still unable to login to Wells Fargo online. I suspect that their records are incorrect, or that they are incompetent. Or maybe, they just don't want to admit what's been going on.

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 2023-12-12
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
added an authorized user to my citi bank credit card in late XXXX or early XXXX, authorized user was my son, XXXX XXXX XXXX ; the authorized user account was fee-free. he never used the card. on XX/XX/XXXX, i was charged a new annual fee of {$590.00} for my card and an additional {$170.00} fee for the authorized user. i contacted citi today to request that the authorized user card be cancelled -- my son had never used the card. i also asked that the {$170.00} fee be cancelled for the same reasons -- and that because the authorized user card was being cancelled the {$170.00} fee ( for the forthcoming year ) should be cancelled. 

to my astonished surprise, i was told the fee could not be refunded or cancelled! this is comparable to my being charged for a pair of shoes that i had not received and in fact had cancelled the order for those shoes, which never had been worn -- but citi saying I must pay for the shoes! 

Was told that while there was no charge for the authorized user fee last year, there is a {$170.00} fee for such a card this year -- effective, in my case, on XXXX XXXX, I talked with citi this morning after doing an on-line chat and was told that's the policy. also was " offered '' to switch cards from the $ XXXX {$170.00} card I have now to a {$99.00} annual fee card, with some unspecified portion of the {$770.00} i've been charged prorated to the " new '' card. that makes no sense. citi also told me I was notified of this change in a ten-page letter sent to me on XX/XX/XXXX, XXXX i asked for a duplicate copy. citi repsenative said she would email a copy to me. seems to me that such a major change in fees and charges should not be hidden in a XXXX mass mailing

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 2023-03-31
Company: EQUIFAX, INC.
State: OH
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 have reached out to all the credit burea to have a bankruptcy taken off my profiles. I also reached out to the vendor of the bankruptcy and all agree to remove this error as i have nver filed for banruptcy or ever paid for XXXX. XXXX XXXX HAS DELETED THIS ERRO BUT EQUIFAX HAS NOT. This is XXXX  time i have sent tis request to equifax with a copy of the XXXX XXXX results. I need this off my credit. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I currently have an open automobile account with XXXX XXXX XXXX and I disputed the dates that were not showing as they havent reported the account current to the month of XXXX it was only showing since XXXX now Equifax removed the account from my Equifax report although my account is current and still going also on my XXXX XXXX report they increased my amount by {$260.00} with no reason after I called XXXX it shows that is incorrect! I want equifax to put the account back on file as it was and XXXX XXXX   to correct the amount owed to XXXX XXXX XXXX immediately.

Company response to consumer: Closed with explanation