BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 company claims it is working on the problem but it's been 9 months. None months of claiming it's been working on it. Almost a year is unacceptable while my credit dropped XXXX points from no fault of my own. XXXX XXXX XXXX  AKA XXXX XXXX randomly stopped reporting to credit agencies in XX/XX/XXXX. Ive had a XXXX balance for 15 months and never late prior to that. This made my credit score fall because credit agencies consider XXXX failures to report as me being late. Called the company and they said it would be fixed in 10 days. Then they did for 7 more months so it shows that I didnt pay for 7 months because they failed to report. Again, Ive had a XXXX balance for 14 months. My credit score fell XXXX points. Ive been on the phone with XXXX 3 times and talked to 6 people. Theyve written 3 letters admitting fault but havent fixed anything in 7 months. Ive deleted this to all 3 credit agencies and theyve just shrugged their shoulders. Hundreds of thousands of consumers have been affected. I can not buy a new vehicle for my business with a score that fell XXXX points, the internet rates are too high with those marks saying Im Late eve though I havent used the card since XXXX of XXXX. I have been unable to get any help from anyone. The internet is full of the same issues with this bank. Thank you.

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 2019-06-19
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have 2 Credit card Accounts with Citi Card and I have never missed a payment with them and the majority of the time I make more than the minimum payment. I also have several other credit cards as well with fairly high limits. I recently have made some rather large purchases with the intent of paying them off rather quickly in the next few months. I get an email from CitiCards for both of my Citi cards that they are decreasing my credit limit due to me making some large purchases on my other credit cards and my fico score decreasing. I called Citi Card and explained to them that I had made some bigger purchases than normal and that they would be paid off within the next 90 days and asked them to reinstate my previous credit limit and they refused. I even offered to provide proof of the resources that I have to pay off my total credit card debt. Since they based their decision based upon my XXXX report they could clearly see that I have never made a late payment on any of my accounts and that I have several accounts that have " XXXX '' balance. They still refused to reinstate my previous limit. This is going to have a very negative affect on my fico score, which is the very thing they are saying is their concern, it dropped to XXXX. With there decrease it will drop more. This is not right for a customer that has been operating good faith, never had any late payments nor derogatory remarks on their credit report to just indiscriminately make these changes. This will have a very negative effect on my credit score and interest rates for any future loans or credit should I decide to apply for another car loan or any type of retail purchase. Is it age discrimination due to the fact I am XXXX and they are afraid I am going to not live long enough according to their actuary charts. The only thing they would say was that their credit review shows that I have made some large purchases recently and based on their figures I am a bigger risk. But wouldn't expand on how they based this decision. I have the ability to pay off all of my credit card debt and can and will provide proof if needed.

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 2022-12-27
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: Information is missing that should be on the report

Complaint:
I XXXX XXXX contacted the creditors and experian multiple time stating that these addresses and employment are wrong below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 2016-07-29
Company: Olympic Credit Service Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
This is a company that seems to be meeting all of the above criteria but I marked sued me without properly notifying me of a lawsuit because that seems to be where the trouble with them began. 13 years ago ( approximately ) this company said I owed them money. I began making payments and then asked for verification of the debt. They did not respond so I quit paying and again asked for verification. They then obtained a judgment against me and I only found out later because it showed up on my credit report. They never notified me of a court date. I attempted for 10 years to fight this on my report and the requests from the credit agencies went unanswered. The judgment was obtained in XX/XX/XXXX and expired 10 years later, making it XXXX. It came off my credit report XX/XX/XXXX. During that time I never heard anything from them. I then received a notification that this company has requested a court hearing for XX/XX/XXXX so they can obtain information from XXXX! I looked this information up and the Washington Courts shows they have been to court in XX/XX/XXXX as well for this same thing, having again NEVER notified me! At this point I am figuring they are attempting to seize property or wages for an original debt that was in violation of the FDCTA, then a judgment which was done without legally notifying me, and now they are trying to gain information on an expired ( supposed ) judgment which expired over a year ago and was not re-instated within their legal 90 period! This has been one illegal action after another with the company never responding to my original verification request. They are now and have been apparently since XX/XX/XXXX being sneaky and at this point harassing me by requesting information on an expired judgment. Their court request is in XXXX County, which is 2.5 hours away. This means in order for me to fight this I am either going to have to respond in writing or take an entire day to make the trip out there to fight this in court. All of this for again, an expired illegally obtained judgment which they should not be able to request any information about me. I now have to miss work, spend time and money on the commute, and spend time fighting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
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:
this was the companies stall tactic this what they sent me, so I attached my drivers license, Bank Statement and a copy of my social security card I'm submitting it thru here to make sure they get it they keep telling me they have not got it thru the mail sent XX/XX/2022 I want them to update there file so I can get all this fraudulent accounts blocked and deleted which is a violation of the Fair Credit Reporting Act, 15 USC sections 1681i, which the Credit Bureaus are obligated to finish their investigation within 30 days. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), I need the following accounts corrected now My identity was stolen me and my family of XXXX will be facing XXXX due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED I HAVE 3 IDENTITY THEFT REPORTS ATTACHED SO MUCH STUFF COULDNT FIT ON ONE REPORT. Companies listed below are reporting accounts obtained thru identity theft XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX ) XXXX XXXX XXXX My Name should only be listed as XXXX XXXX all other names should be deleted my correct address is XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ga XXXX all others should be deleted to prevent further fraud and any mail sent there with any dispute information my only phone number is XXXX all others should be removed

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 2016-05-25
Company: Montgomery & Meyers P.A. Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
XXXX Banks from the office of Montgomery & Meyers contacted me this morning after yesterday she verbally abused my wife on her cell phone. I asked he again to please send me do documentation of what she was claiming and she told me that i had it and was lying. I asked her not to talk to me that way and to stop harnessing my wife, She told me that I needed to pay the debt. I again told her that I needed her to send me some sort of documentations which I had requested four times to be emailed to me. She refused. I told her that I have never been in court on this issue ( she said I was lying ) and that I have never been served with any paperwork. She then said " you know what I will just see you in court '' A threat and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Since I opened this checking account at Wells Fargo on XX/XX/2023 I never get my debit card, also I cant enroll into the online banking because the system requires that information because I dont have a XXXX ( im not XXXX XXXX ), I called several times to customer service and they denied the service to send me a new debit card to my address on file saying they cant verify my phone number ( same as the phone on the system ) This is the third claim I open here to have the issue fixed because im not in the XXXX to go to a branch. 
Just need the replacement debit card so I can enroll in the online banking.

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 2023-03-07
Company: ACIMA CREDIT, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The debt was charged off and no 1099-C was not mailed to me. The debt has already been charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: Concord Resolution Inc (Closed)
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Hi, I 've been getting harassing calls almost daily for months ... 

The most recent ones are from a company they call " Concord Resolution '' in the voice mails and it 's a recorded robo voice when they leave a voice mail. 

They are very rude and threaten to pursue lawsuits for a supposed payday loan which I 've never made, straight up extortion. 

I 've asked them to NOT call me anymore that my number is registered on the do not call list via XXXX and telling them via phone to add me to their donotcall list because of all of these ridiculous calls. 

They call at all hours of the day. Today they called at XXXX and again about an hour ago. 

I receive calls like this daily. 

They have various phone numbers each time and I am tired of being threatened by people who I do not owe and should n't have my phone number in the first place. 

These are a couple numbers used often. 

XXXX. XXXX. XXXX. XXXX so on. 

Number 1 is the one that 's been calling multiple times within the last few days.

Company response to consumer: Untimely response
Consumer complaint received 2020-12-09
Company: Netspend Corporation
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with overdraft
Sub-issue: Overdraft charges

Complaint:
They are reordering my transactions in an effort to trigger overdraft fees. They post the larger transactions before smaller ones and they try to blame the merchant when I brought this to their attention. I made an order days before another one yet they posted the second one first because it was a larger amount, both orders were made with the same merchant yet they did that because then the 3 smaller transactions triggered multiple overdraft fees instead of just one overdraft fee for the larger transaction.

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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX. XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-04-14
Company: EQUIFAX, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
BMO Bank hired a servicing agency to handle all of their Mortgage and Credit loans. I have been trying since XXXX to receive my loan documents. I called on XX/XX/XXXX and spoke with XXXX he advised he would send. Did not receive ; called XX/XX/XXXX Spoke with XXXX he did not see notes, he advised he would send... I then received loan documents on XX/XX/XXXX and it was my old XXXX loan. I now hear from XXXX at BMO Bank that they do not have my loan documents. I asked how are you charging me. She could not answer. My issue is I was advised my loan would never go above {$500.00} per month from XXXX XXXX at BMO Bank ( loan was modified on XXXX ) Second issue is when you call you never have same person so literally it is like a hamster wheel. # is 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 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 explanation
Consumer complaint received 2023-04-14
Company: EQUIFAX, 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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance Owed : {$870.00}, XXXX XXXX XXXX Balance Owed : {$3600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: Capital Management Services, LP
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have lived at the same address in XXXX since XXXX XXXX. Without my knowledge, XXXX Bank sent a bank card to a post office box XXXX on or about XXXX XXXX. The bank card was attached to my bank accounts. At the time I had roughly {$4500.00} in my savings and checking combined. The total amount in those accounts remained the same for over XXXX-6 years. In less than 6 weeks or so, both my checking and my savings accounts were drained and XXXX Bank had allowed and additonal {$4000.00} to in reserve to be stolen as well. Additionally, the address on my accounts was changed therefore, I was not aware that there was unauthorized activity on my accounts until I received a phone call in late XXXX XXXX from XXXX Bank requesting that I make arrangements to pay on the over drafted accounts. I immediately phone XXXX Bank Customer Service to file a fraud report. I was told that I could not file a fraud complaint and that only the person that used the card could do so. After numerous phone calls and written requests that I be allowed to file a complaint, I finally was directed to a district manager who again refused to allow me to file a fraud complaint. XXXX Bank further refused to replace my savings and checking account. As a result of their error, my credit rating has been lowered from XXXX to XXXX. I am totally disappointed and desperately need help. Not only did XXXX Bank allow my savings to be drained, they are ruining my hard earned credit rating due to the fact that they did not protect my accounts nor did they notify me so that I my protect my self. I have received numerous harrassing phone calls on my cell phone and home phone usually between the hours of XXXX XXXX. I am a XXXX XXXX XXXX retired XXXX XXXX veteran, I am devastated by this company and its dismissal of attempting to right this wrong. NOTE : I filed a dispute with XXXX yet this matter remains unresolved. Also contacted the XXXX police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2023-09-10
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I contacted the current loan servicer Mohela after my loan was transferred from XXXX in XXXX. I contacted the new servicer to make sure payment would be made to the correct account. During the course of the conversation I was told a different payment amount would be assigned. The told me the change was due to the payment program changing from ( for which I applied and was enrolled in REPAY ) REPAY and switched to SAVE. My payment would be significantly higher than the amount previously assigned it was going to change from {$280.00} ( more or less ) to {$620.00}. At that point I complained to the customer service representative. They said that they would readjust the amount to the original amount of {$280.00}. I asked them to put it in writing and send me something to confirm this. They said they would. I never received anything XX/XX/2023. The correspondence I received told me that my payment was not processed by my bank so I needed to correct the bank account information and submit payment. When I logged into the account the amount. The payment amount was over {$4000.00}. The new amount was extremely discrepant, and I can not afford that amount. I am trying to straighten this situation out but Mohela is not giving me the correct amounts based on the programs I am enrolled in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation