BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-12
Company: World Acceptance Corporation
State: IL
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:
Ive have tried over and over again in XX/XX/2022 nothing had been done

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: SUNTRUST BANKS, INC.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Have a mortgage through SunTrust. This mortgage is paid by a direct draw from my bank account. 

XX/XX/XXXX to XXXX XXXX- I changed the bank account for draw. Was drawing from NC XXXX XXXX 's XXXX XXXX. Now using XXXX. This change took 3 phone calls totaling over 8 hours. 

XXXX XXXX- SunTrust draws mortgage payments from both accounts. I am confused on timing of old and new draws, so I think this may be appropriate. XXXX draw XXXX for {$1400.00}, XXXX on XX/XX/XXXX for {$1500.00}. 

XXXX XXXX- Email from SunTrust that NC XXXX account is to be charged {$1500.00} in XXXX. This is the old account. Call SunTrust today XXXX to clarify and stop withdrawal. They deny responsibility. Say there is no way old account is being taken from. Report they have no ability to review their emails to customers. They are unable to account for the withdrawal on XXXX and deny that it occurred. They demand that I provide " proof '' that they took my money, but are unable to identify what form of proof will be acceptable. 

I have bank statements showing both withdrawals by SunTrust. I do not believe the email advising of the pending withdrawal is spam or phishing. It is identical to standard SunTrust emails sent in the past advising me of draws pending on my account. 

I believe this is a large corporate bank committing fraud.

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 2023-09-05
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-04-16
Company: CITIBANK, N.A.
State: CA
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:
Citi AAdantage Card took my payment over the phone on XX/XX/XXXX and put a hold on it for 11 days without informing me! When I called to make the payment on XX/XX/XXXX the Citi operator said that the payment went through and I could use the card immediately. The payment went through ( confirmed by my XXXX XXXX bank records ) on XX/XX/XXXX, but the hold unknown to me, was until XX/XX/XXXX. I called several times to see why my card was declined and was told that my payment just hadn't processed yet, but no one told me that the hold would be XX/XX/XXXX, 9 days after Citi received my payment! 

The payment I made on XX/XX/XXXX was from my XXXX XXXX account which I use almost every time I make a phone payment. Citi is taking advantage of me ; I am a widow and taking care of all my business by myself. This problem has caused my credit score to decline, as I show as being max 'd out on the Citi card. Citi should be penalized for their unethical behavior and I should receive compensation for my extreme inconvenience, hours spent on the telephone dealing with their error -- and economic difficulty caused by their unethical 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 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2020-11-11
Company: Consumer Adjustment Company Incorporated
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX sent my account to collections. They stopped taking my auto pay and the park never opened for the season due to covid-19. I disputed the amount owed and they agreed to remove a large portion of the balance and to give me credit for the next season as I essentially would be paying for service that was paused due to the pandemic. The corrected amount was sent to the collection agency and reflects when I log in but the collection agency will not allow me to pay the balance in full. I have attempted several times since the adjustment was made and every time it asks me to pay a minimum of {$100.00} on a balance of {$93.00}. Initially I was told by the creditor that it would just take a little while for their system to update to reflect the right amount. It has been a month and it still will not allow me to pay the balance in full. Any and all derogatory information against me should be deleted. I disputed the debt, the amount was corrected, their system then demanded I pay more than the full amount due. This is unfair and deceptive way to collect monies not even due. I am unhappy with how I have been treated by the original creditor and their collection agency. Again zero services have been rendered due to covid 19, I agreed to pay an amount in return for a future credit in 2021, the collection company system is demanding I pay more than the amount it even shows on their system than I owe. I took prompt action when I was notified, disputed the debt and they are trying to ruin my good name and my credit while I am in the process of making a large purchase. The practices of the CACI collection agency are very shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Problem getting your free annual credit report

Complaint:
Requested my annual credit report via XXXX for XXXX  and Transunion. A week to 10 days later I received an extensive report about my account from XXXX  and a postcard from TransUnion requesting that I provide 2 forms of identification per the list they provided - all would contain Personal Identifer Numbers. At this time, I'm not comfortable supplying this info via mail and do not understand why TransUnion is requesting these documents when the other two credit reporting agencies do not. I'm writing to request that TransUnion change its policy and procedures that this info be confirmed online per other companies examples. Given the level of technology that is available, the access that TransUnion has to other info that confirms the requested info, this request feels like unnecessary obstacles are being created to obtaining my credit report from them. 

Thanks 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 2023-02-01
Company: W&A Intermediate Co., LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I submitted a XXXX  complaint on XX/XX/XXXX. On XX/XX/XXXX I requested, among other things, validation of the alleged debt. 

Choice Recovery responded to this request by sending me a financial policy. The documentation, among other things, does not validate any debt, show any credits applied, or show any explanation of charges. 

While I was disputing the validity of this debt with Choice Recovery, I also contacted the original creditor ( OC ) XXXX XXXX XXXX XXXX XXXX XXXX. The OC, in my opinion through medical negligence, botched a dental procedure than caused me personal injury. I have been advised that in Missouri a dental assistant can not seat a crown which is considered by many to be a critical part of any dental restoration procedure. I had a crown seated by someone who was not trained to the standard of care and as a result I was harmed. The dentist advised me they would fix the issue at no cost to me. I was moving and I was fed a line that they were going to get me taken care of at a " sister clinic. '' Nobody followed up with me and I left several messages for them. They told me if their " sister clinic '' could not fix my issue ( s ) then I would receive a credit and not be charged. In XXXX I spoke with XXXX and confirmed via telephone that I did not have a balance. I was advised by XXXX, the practice XXXX, that she would have to contact legal in order to send me a letter confirming all of this. I never received a letter. And they must have blocked my number or something because whenever I tried calling back to follow-up, I was either left on hold for over XXXX minutes or made to leave a message and nobody ever returned my call. 

Despite my best efforts to follow-up I received no letter from the original creditor and on XX/XX/XXXX Choice Recovery posted a collection from this original creditor - this time for an even higher amount to my credit report. 

Choice Recovery posted the collection knowing full well they never validated the debt in XX/XX/XXXX and never sent me any oral or written communication notifying me that they were going to post the account. This is a violation of my rights under debt collection and consumer finance laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
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:
There are many accounts on my report that are inaccurate I would like them investigated and removed XXXX. Date last active, date open account status last time active the list goes on multiple accounts with inaccurate information grounds for deletion " usc 1681 a under the FCRA I have Rights to privacy and my rights have been violated please review documents thoroughly thanks 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 explanation
Consumer complaint received 2020-12-22
Company: EQUIFAX, INC.
State: MS
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 am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: W&A Intermediate Co., LLC
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Out of the blue I have received 4 letters in the mail with random amounts. I was never contacted by the company with a bill and the amounts have no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: DISCOVER BANK
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
I co-applied for a {$5000.00} student loan based on the marketing solicitation I received stating adjustable rates starting at 3.99 % and fixed rates starting at 5.99 %. I was offered an adjustable rate at 6.39 % and a fixed rate at 7.74 %. When I asked how rate is determined there was no logical answer. Anytime I have applied for home, equity or auto loans I have received the best rates because of my high credit score.

Discover is unable to tell me how the rate is determined. Don't know how they can advertise a rate and not state what is required to get that rate. In mortgage, equity and auto lending a rate can be explained do to the score a borrower has. To me this is bate and switch. If I don't qualify for the best rate then tell me why.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hi i see inquiries that i dont recognize. I have reached out to the original creditors and they couldnt help me. I have sent a dispute before to you guys to delete these inquries I have no knowledge of. Please delete from my credit report or I will have to seek litigation. I did my research on the law and it stated per section 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act and these items must be blocked and removed from my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
No contract Section 604 ( a ) ( 2 ) allows CRAs to furnish consumer reports in accord with the written instructions of the consumer to whom it relates.

Late payment reported Negatively impacted Issue not resolved after multi attempts Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Gap a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers. 

( c ) Available non-abusive collection methods Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts. 

( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce. 

( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. 



Please review

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 2022-04-06
Company: Experian Information Solutions Inc.
State: NJ
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:
When I opened my credit report to check my credit score I was shocked. You posting wrong information. It was never belong to me. Why you put it on my name. Im sure that some person hacked my profile and get my personal information! DELETE this negative 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 2022-12-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$9100.00} XXXX XXXX {$3900.00}

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 2021-03-11
Company: American First Finance, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have tried to call this company several times regarding this account. American first finance is reporting my account as a charged off account. I am confused how something is charged off and you are still taking payments from me every two weeks. 
- Also previously before this I spoke with American first finance and asked them for my buyout information and they were suppose to debit the account while I was in New York for the pandemic. That has never happened. 
- also I have submitted proof. Please see the attachments.

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 2023-03-01
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
On XX/XX/2022 I requested a full refund on any applicable student loan payments made during the federal pause ( XXXX ), in accordance with the CARES Act. MOHELA, my student loan service provider has yet to provide any indication of the status of reimbursement and has not provided any response since the initial inquiry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-17
Company: WHEELS FINANCIAL GROUP, LLC.
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:
This company is reporting false inaccurate information to XXXX. I also found that my interest is not allowed to be no more than 24 % by Florida law. They have it listed as 178.47 % on this document! Which exceeds Floridas rate caps. They are using usury which is illegal. They have not followed Florida law requirements to process such a loan and their website is very misleading. This is a direct violation of the Florida law and my consumer rights. I ask that this account be removed from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
Noticed some accounts opened on my report I never was aware of or gave my consent to open. 
I just fully got to see the whole run down on my credit report and I notice the problem and made a FTC report. 

I contacted the creditors multiple times! but they provided me no feedback to this inaccurate information on my report I asked that it be removed off. As it is against my rights to the fcraa. 

Dept of Ed XXXX reporting 4 times Us Doe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries i do not notice XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  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