BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payment from 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 2018-04-06
Company: Source Receivables Management LLC
State: FM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
this is company is repoeting this debt on my credit this is the third collection company thats reporting. Also this is my second time writting the cfpb the last time i wrote you guys the debt was with another collection agency which agreed to remove the debt from my credit profile. They stop and removed it but now its with another company thats reporting again on my credit. The same original creditor which is XXXX but they just changed the amount. The first collection company reported {$860.00} NOW the new collection company is reporting {$890.00} I just want this removed for good.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: OneMain Finance Corporation
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
I have an existing title loan with One Main Financial from the XXXX and XXXX location or very close to that intersection in XXXX. My problem is not that I can't contact this office, it is the opposite. My payment is due on the XXXX of the month, and I have usually been paid a month in advance, but due to a unexpected expense, I was not able to pay on the XXXX. I knew I would pay it on the XXXX when I got paid. I had a missed call from One Main on the XXXX of XXXX at XXXX, at that time I went in and scheduled my payment online to be debited from my account on the XX/XX/XXXX in the amount of XXXX which is the amount that was due with late fee as they posted. I received another call on XX/XX/XXXX at XXXX XXXX which I missed because I was on another call for work. I returned the call at XXXX XX/XX/XXXX and spoke with a lady who was able to pull up my account to see why I was contacted, since I had scheduled my payment, she said I was good and did not know why XXXX I believe was the name of the guy who had called. I thought okay, all is good. On XX/XX/XXXX at XXXX XXXX  I received another call from XXXX. He said that he saw I had scheduled my payment but I needed to pay another {$26.00} for additional late fee and was trying to get me pay it on the spot and to setup auto payments. I informed him I would take care of the additional fee, but was not going to setup auto pay. He was wanting to know why I could not pay. I kindly told him I was not going to go into detail only that something unexpected came up and I would take care of it. On XX/XX/XXXX at XXXX I missed a call from One Main so I returned the call at XXXX and spoke with XXXX again XXXX XXXX told me that I did not pay the additional fee and wanted to collect it, also told me that he had in his notes that I told him that I was going to cancel my original payment to make a new one to include extra fee. I stopped him and told him I never said I was going to cancel my payment, only that I would take care of the additional fee. I also told him I did not appreciate his harassments for a payment I had scheduled. I feel like it is very unethical and excessive to be considering that I was not 30 days past due and I had scheduled a payment. I have never been harrassed like this before. I have kept my account in good standing to get this kind of treatment. I told him it was very unprofessional of him for these very reasons. I would understand if I was delinquent 30 plus days, but I was not. If I am getting treated this way I can only imagine how others are being harrassed. If I had the ability to pay this loan in full I would.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: Medical Data Systems, Inc.
State: NC
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:
My husband and I had our XXXX child about 2 years ago. During the process, I was working with XXXX XXXX and a XXXX website ( called XXXX ) and other billing avenues ( such as office visits ). During each visit, or via bills in the mail or on the website ( XXXX ) all bills were paid. They would notify me that certain bills were not covered 100 % by insurance, and I would either pay them that day, or log into XXXX and pay them. 

Then about 4 or 5 months go by and we start getting demand/collection letters from a company called : Medical Data Systems , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Florida XXXX Telephone : XXXX XXXX XXXX XXXX XXXX XXXX They offered NO information onto the charges they were trying to collect, what they were for or how they even came into their possession. The only thing we were told was that we owed them money and they demanded payment. We went back to XXXX XXXX asking what these bills were, and what they were associated with - but there was no luck. 

We ended up paying them since the amounts seemed so low ( {$190.00}, {$63.00}, {$130.00} and {$180.00} ), but they proceeded to break up the collections into 4 separate accounts and hit my credit report with not 1 negative mark, but 4 separate ones. Now, they won't consolidate, modify or do anything to assist. XXXX can't find records of anything and they're unwilling to assist. 

I don't know how else to fight back against stuff like this, but it would seem to me that since I was in constant communication with Novant, and that I made payments during every visit, and that their own website showed no outstanding balances - that some errors had to occur somewhere, but I don't have anyone on my side to 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 2023-01-23
Company: Experian Information Solutions Inc.
State: TX
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:
I did not give consent to these companies to review my credit profile for this reason! 

XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Block, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Since XX/XX/2021 my account and cash app and services have all been hacked! Everything this is happened to me in the past Ive been trying to get my credit scores and accounts taken care of and again this happened to me!!! I need help bad please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: NY
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:
15 U.S. Code 1681i - Procedure in case of disputed accuracy. 
15 U.S.C. 16815-2 ( 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. 

Did not make these inquirys Hard inquiry : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXXXXXX XXXX XXXXXXXX, 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 XXXXXXXX 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 2023-04-11
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: CITIBANK, N.A.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
I was given a cashiers check after my mom passed away to help me with bills as Im a single mom. I deposited this check into my account along with another check. That other check was invalid and that company had to send me another check but Citibank closed my account anyways. They said theyd send the balance which would have been the entirety of the cashiers check in 90 days after the account was officially closed. I never received it. When I called they said the check was clear to cash elsewhere and when i deposited it into my other account it was kicked back saying Citibank cashed it already. Citibank cant figure out where my money is or why I cant use the cashiers check. Ive spent hours and hours on hold waiting for calls calling back its been over a year. I saved the cashiers check for an emergency but they have no time limit. So I didnt deposit it until XX/XX/XXXX. It was from XX/XX/XXXX when my mom passed. Its now XX/XX/XXXX and they still have not provided answers or the money or released it to be cashed elsewhere. I was told to go into their institution in XXXX XXXX. Well thats a call center. I learned that when I got there. This is money I need to support my kids. Ive been charged fees over this cashiers check Ive depended on them sending it to me yet they have no idea why I didnt receive it or where it is.

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 2019-09-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX is the phone number. They called me on XX/XX/2019 and tried to get me to make immediate payment on a debt that was 10 years old, and would not identify who the creditor was. I asked repeatedly that they tell me who the creditor was, and what the atual amount owed was. They continually stated that they would turn over the " judegment '' against me to XXXX County, and have XXXX XXXX block me. I did provide a prepaid debit card, which I later cancelled, and they finally backed off. I need to know If I really need to deal with this or if they are just scamming me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
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: Account status incorrect

Complaint:
I recently pulled my credit report and I noticed that I had several unknown accounts for books from old schools that shouldn't be there they keep reappearing an account I paid them $ XXXX this year i have a receipt there should be no balance. I have several companies that are unknown and I never done business with this information is costing me high interest and fees. I'm doing my best to buy a house but the inaccurate information is stopping me when it keep reappearing or accounts that I don't know what they are nor have I done business with them. These have to be removed all the multiple name spelling and wrong address information it literally could be anyones information. please remove these items.. 
hard inquires that are over 30days old that im not doing business with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX addresses with inaccurate info they may belong to a relative XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX all companies that need to be removed will be highlighted in the credit report i have listed in the documents section because there are so many of them that are unknown to me. my correct name spelling and information will be listed as well and i have opt in the credit system as well to stop all the random accounts XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH 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 2022-07-07
Company: ALLY FINANCIAL INC.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2019 XXXX. iI have repeatedly tried to resolve this with letters and phone calls. First to Ally finanancial then to XXXX XXXX. They send me a letter that states all obligations have been satisfied but then say i owe XXXX. When I call and tell them to look at the statement they agree I paid then send me a collection letter the next month. This has been going on for 3 years. IT is stressful having to deal with this> These companies are so big that nobody knows whats going on. When i would call Ally financial and ask how i could owe this money there response would always be> we do not know our system does not show that. Well how could they send me a bill then. Especially when i have a letter from them saying my obligations have been satisfied.

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 2019-09-25
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I turned over my vehicle XX/XX/2019 the dealership failed to ground car. I called several times to have a manager resolve it and no one called me back. My credit report is showing I owe money to a lease I no longer have and its being reported as a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: MRS BPO, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from MRS for the XXXX XXXX Credit card ( https : XXXX ). I went on the website to set up payment and charges were put on my account to pay off. The original amount owed was {$720.00}. There are strange charges saying " failed '' and then successful. My original amount is not dropping! I tried multiple times to contact them via email from their site with no response. I tried multiple times to login into my account and can not get in no matter what verification choice combination I use. I have not called because I like to have documentation of conversations. I will attach screenshots of proof.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My name is XXXX XXXX and Bank of Americas ATM took my money of {$1000.00} on XX/XX/2024 which was part of my rent money and havent credited my money back as of yet. They advised me that I have to wait XXXX to XXXX business for them to credit my money back that their ATM took from me which is bogus. XXXX getting charged late fees of {$500.00} from my landlord because of this issue. I expressed this to Bank of America and the only thing they can say is Sorry but Sorry isnt helping me pay my bills. I need my {$1000.00} back now! ATM id : XXXX Bank of America address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 monetary relief
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
From XXXX to XXXX I was charged fraudulent overdraft fees exceeding well over {$XXXX} when wells Fargo Bank was located on the corner of XXXX XXXX & XXXX XXXX in XXXX XXXXXXXX XXXX XXXXXXXX I mean, personally I don't see how I could continuously be charged fees if my account wasn't being funded, but whenever I did receive funds, they were illegally taken to settle outstanding trumped up fees occurred while I was unemployment at the 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 explanation
Consumer complaint received 2023-12-27
Company: Westlake Services, LLC
State: CA
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 this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15USC 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 explanation
Consumer complaint received 2019-10-11
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
This company refused payment according to the contract it was breeched i no longer owe this debt under the federal fair credit act

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I did my research and spoke with a business real estate financial consultant at wells fargo who misinformed me and cost me time and money. I explained that I had signed a contract for a property and was in need of a loan. I had a relationship with the bank, i was banking there since I opened my business. XXXX explained the process and I decided to move forward with the option of a commercial real estate loan. He sent me the application and I filled it out and sent it back. Couple days later I received an alert on my credit that it was looked at by wells Fargo. I there after received an invitation to submit a packet which included 2yrs of tax return, personal financial statements and debt schedule description of property, etc. After sending what was requested then they asked that I extended my contract from a 30 day to a 60 day. In order for me to extend my contract I had to put another earnest deposit down. I did because I felt confident that I had met all the criteria 's. All of this was over a 6wk period back and forth. 10 days after submitting my paperwork, XXXX called me to tell me that I was denied because my business was under 3yrs old. I asked how did they not know this before. I was a customer at there bank and it was on the application I originally filled out for XXXX. All I keep getting is apology, that there was a misunderstanding. It was not my misunderstanding. XXXX or someone on their end drop the ball and I am now stuck and paying the consequences because I will be losing the deposit if I cant get a loan. When I tried to have the underwriter take into consideration that my business was 3mos shy of the 3yr mark that was dismissed. I am not sure how Wells Fargo can say they support small business when their employees XXXX up and no one wants to own it or help resolve this. All they had to do was review the application ahead and they would have known without wasting my time and causing me to put another deposit down. I spoke with their remediation department which is just there to make you feel like they are doing something but they did nothing but be nice. being nice is not the same as being helpful. Perhaps XXXX needs to be fired, if you are that incompetent maybe he should not be in the position where he can affect peoples business in such a manner.

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