BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-21
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hello there, I opened a XXXX card XX/XX/22. I proceeded to use the card and received my first statement via mail. I called the number on the back of the statement which is Comenity capital bank and made the payment over the phone ( this phone call should be recorded in their system ). I then received a phone call regarding the payment being late which i let them know it was already paid, and they removed the late charges during the phone call and said they would look into it. I then received another notice in the mail with a higher amount for a late fee. I checked my account and noticed i did not see a charge during the time period that i made the payment to Comenity bank. I gave them another call and explained that i attempted the payment and they mentioned there must of been a glitch or hiccup in their system. They mentioned they would have the late fees removed and i proceeded to make the payment again online with someone, during this same phone call i asked for the card to be cancelled as i did not want these issues to arise in the future. This issue falls on XXXX and their payment system. After many phones calls these late fees and a closed credit card has drastically impacted my credit. I urge that this issue please be looked at and removed as they stated this many times in the above phone calls that their system glitched during payment and all late fees would be removed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received a call from an unknown company who stated representation for Wells Fargo requesting {$10000.00}. The woman claimed that a court subpoena from Wells Fargo will arrive at my address on XX/XX/XXXX at XXXX. The women verified the right street name but the wrong street number with my correct ssn. She gave me a case number XXXX XXXX and a phone number of XXXX XXXX. I called Wells Fargos legal department to get further information who stated that no such case exists and it is a scam.

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 2023-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was in the process of a loan modification and required to make 3 trial payments, which I made as directed.

These trial payments are reported as late on my credit report which is inaccurate and causing a significant impact to my credit.

My modification has since been approved and I would politely request these late payments be removed or updated to reflect they were paid on time.

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 2019-03-12
Company: PRESTIGE FINANCIAL SERVICES INC
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I am in the process of getting a loan to pay off my truck. Prestige keeps threatening that they will repossess the vehicle?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: BMW Financial Services NA, LLC
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/16 I traded in my XXXX XXXX to XXXXXXXX XXXX XXXXXXXX  GA for a XXXX XXXX XXXX. They couldn't obtrain financing and pay off my trade till XXXX. They didn't notify me and I repeatedly contacted because I was also unable to obtain a legal plate within 30 days and could n't drive the financed car.

Company response to consumer: In progress
Consumer complaint received 2023-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX opened a collection that was fraudulently account on my credit file and i would like for it to be removed from my file as soon as possible because its affecting my credit file he hindering me from pursuing my business.

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 2023-01-11
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
In XXXX, I applied for a total permanent XXXX discharge and was approved I've been noticing that XXXX was reporting over late payments over 190 days in accurate information I called XXXX and advised me that it was sent into default in XX/XX/XXXX was advised to call XXXX XXXX XXXX and was advised that my discharge status is in good standing and provided me a letter from XXXX XXXX XXXX. The XXXX XXXX XXXX said that it's the credit be reporting inaccurate information they have been doing this for years, and I'm XXXX I have a total permanent XXXX discharge and shouldn't be on my credit as inaccurate. I also can provide letter from XXXX XXXX XXXX stating of the incorrect information being reported.

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 2023-12-06
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This complaint serves as a formal demand for an immediate and thorough investigation into specific items tarnishing my credit report. These inaccuracies are not only false but are inflicting severe financial and emotional distress due to their derogatory nature. The items listed below demand your urgent attention for deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: Creditors Bureau Associates
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Good evening XXXX XXXX XXXX, upon discovery & a few phone calls I see your company is not only out of compliance with federal law but state law as well. Creditors Bureau Associates is not registered with the XXXX  XXXX to do business in the state of NC a long with not having a debt collector license with the NC Department of Insurance which is a Class 1 felony pursuant to NCGS Chapter 58/Article 70.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: AES/PHEAA
State: IL
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:
My student loans were transferred to aes in XX/XX/XXXX. I have had nothing but problems since then. In the original documentation received about the change in company I was informed that if my payment fell during a grace period of transition then it would be debited after such grace period. However I logged in to find my student loan was shown overdue and received a letter stating I needed to make a payment. I called to explain this as I am in the ibr program and have been for years and also use direct debit for years. They stood fast and insisted I make a payment so I authorized a one time payment to avoid credit reporting. Then a week later I check my account to find that they deducted a second payment on their own. Now fast forward to XXXX and it is time for my annual recertification of income. I follow the instructions including authorizing my spouses student loans through fafsa website. Next I received a letter dated XX/XX/XXXX that my loan had been recalculated. But they only factored my personal loans and not those of my spouse. Attached is a second letter with instructions to once again authorize them to calculate using my spouse 's information. I find this strange but follow the instructions and call Aes again XX/XX/XXXX to state this was complete and to have them recalculate the payment using this information. Weeks go by with no response until I receive a letter dated XX/XX/XXXX that still shows the original payment amount when only factoring my student loans. Also this letter stated that I made payments ahead ( my XX/XX/XXXX payment ) and therefore I should only be responsible for paying the difference on my next payment. But instead the letter states they are going to take my entire payment amount instead. So once again they are going to double bill me for one payment. I called again today XX/XX/XXXX to try and get an explanation. The company is giving me nothing but a run around. Saying they have a note of my wife 's documentation complete but did not recalculate. Therefore they now want to recalculate my payment again. But in the mean time they assert that the initial payment amount which is incorrectly figured will be deducted on XX/XX/XXXX. I have been in ibr for 10 years now. And I have never seen this level of incompetence or intentional misleading in order to capture larger payment amounts than what should be or extra payments without justification. Please intervene. I fear from searches online that this is commonplace and I am not at all the only one dealing with these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX USA These companies are Violating code ( 15 USC 1681b Permissible Purpose ) however, I did not give my written consent for these accounts to be reported on my credit. These are not my accounts! I demand they get removed immediately!

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 2023-05-13
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hello, My paypal business account has been permanently blocked without notice or justification. While my company is working seriously and I have provided the necessary evidence, including my bank statement ( attached ). I had a conversation just before the blocking with the customer service who told me that my request should be received favorably by XXXX. I hope to have a positive return concerning my request that I find legitimate considering the fact that my activity does not carry any risk. We deliver our customers as agreed in our XXXX and respect the conditions of use of the paypal platform. 
kind regards. 
Business information : XXXX XXXX PayPal Merchant ID : XXXX Name : XXXX XXXX phone number : XXXX XXXX mail : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: CITIBANK, N.A.
State: TX
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:
Last month ( XX/XX/XXXX ) I wanted Citi to switch my AAdvantage Mastercard with a {$50.00} annual fee to a product/card with no annual fee since I hadn't used it in years ( I've been a customer since XXXX ), AA expired my miles and I had not carried a balance in quite some time. The agents transferred me over and over, they had no product knowledge and said I'd have to do this online. There is no way to do it online. No way to start a Secure Message Center inquiry online. And now they are charging me the annual fee and won't recscind/waive it, even though i'm not using the card or services. They said I must pay even if I switch products or cancel the card. Now they call me everyday by an automated robo-call, telling me to call a phone number and use a special code to talk to someone. They are forcing me to pay the fee or go to collections.

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 2022-12-26
Company: Paypal Holdings, Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My accounts were hacked I filed dispute with Venmo they sent me email to send in ID which I did and immediately got email saying they closed my account and will release my {$1100.00} after XXXX months. It's XXXX and I can't pay my rent now. We're going to be evicted and Venmo doesn't care. They are making money off others money for XXXX months how's this legal? If you close my account fine but I need my money my sons in XXXX and I can't even get gas now to go to hospital. Email is attached that I received saying to send in photo ID to have account unfrozen. How's it fair that I file dispute and me the customer is penalized for it. Seems like retaliation to me for filing dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: Waypoint Resource Group, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
a ) Notice of debt ; contentsWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. I didn't receive any type of notification as required by law prior to this being added to my credit. This debt is not owed and there wasn't any contract with this creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Introduction : The bank ( America First Credit Union ) block my funds due to I owed them money from a credit card I do have with them which I see no fair. Since last year XXXX XX/XX/XXXX XXXX my husband become unemployed due to a COVID-19 and that cause a big hardship to ours personal assets. Between that time I am the only work at home and I am not able to keep or make the monthly payments to America First Credit Union. Also I remember in more that 2 time call them and ask for payments extension. I have to make some hard or unwanted decisions to keeping stand financially for my family, so I have to apply for one of these programs ( debt relief ) and ask for a consultation. I end to decide for this option and make contract with XXXX XXXX XXXX, they now negotiating with all the accounts under this program and America First Credit Union is one under this program. 
Dispute : Today ( XX/XX/XXXX ) I find out that after IRS deposit the payment of the Child Credit of {$750.00}, the bank retained the whole amount and apply to the credit card debt I have with them. I feel unfair since I am on the middle of negotiation with them and also they should have notes from me on the past about the hard time we across financially, plus the new law about COVID relief between creditors and consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
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: Account status incorrect

Complaint:
The three bureaus are reporting an account that was under litigation and that was 100 % settled and a nonsuit with prejudice was filled with the court. Documents attached, still the credit bureaus are reporting as charge off with a balance of {$850.00}. We have contacted XXXX  and they requested me to complaint and dispute the accounts with the bureaus which we did but this did not work and I see the account reported. This is illegal and in case they don't take action and remove the account I will have to sue the three buraus. This is not Right!.

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate 15 U.S.C, 1681section 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 an 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 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 non-monetary relief
Consumer complaint received 2022-02-14
Company: ALLY FINANCIAL 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:
Hello, The following list of 15 hard inquiries were not approved my me. The companies that pulled my credit did not have my consent. I am asking for these to be removed from my credit reports unless they can prove otherwise in writing by bearing a copy of my signature for consent or my recorded voice. ( please see attached file ) Thank You 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 2023-09-07
Company: WELLS FARGO & COMPANY
State: FL
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:
WellsFargo has blatantly continued reupdating the credit report indicating a balance is owed for, {$140.00} after sending a refund check. 
On, XX/XX/, following the last dispute. They stated the account was deleted. They have removed the account from all bureaus, except XXXX. As of XXXX, XXXX, both XXXX and WellsFargo, reposted the information as updated on my credit file. XXXX has actively violated FCRA reporting standards, they have been provided with information and continue stalling with a request for extensive time to investigate only to repost after thirty days. 
Per XXXX, on my call today, they are rereporting because XXXX has not given them permission to delete the information.

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 2023-11-15
Company: Experian Information Solutions Inc.
State: FL
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:
The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX Balance Owed : {$28000.00}.

Company response to consumer: In progress
Consumer complaint received 2023-06-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Portfolio Recovery Associates LLC representing XXXXXXXX XXXX for XXXX XXXX XXXX last for digit XXXX Account was charged off on XX/XX/2016, due to illness in the family XXXX XXXX XXXX XXXX XXXX, the account holder chose life over debts and became the care giver for the XXXX patient. The account went into default, there were no communication from Portfolio Recovery Associates LLC written or verbal, its been 6 years and they scout my profile in different ways, got my last job and try to garnishee, which was XXXX XXXX XXXX, and during the filing from XXXXXXXX XXXX  to Portfolio Recovery Associates LLC they went through Legal and garnishee my Checking and Savings of what little I have of a total combined of {$400.00}. 

What happen to the statutory law in Hawaii of 6 years. 

Now I'm broke.

Company response to consumer: Closed with explanation