BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-25
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
One Main Financial calls me four to five times a day. I work during normal business hours and can not be contacted at work. They reach out to my husband as well. We receive several calls and voicemails a day. I have voicemails releasing private information. The voicemail states they are contacting me on a past due balance. They need to speak with me on my account it is urgent. They have left the date my payment was due. I have made contact and scheduled a full payment and they still continue to call. My payment was due on XX/XX/XXXX, today is XX/XX/XXXX. I understand if I have not spoken with anyone or made a commitment but I have.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
My wife is the primary account owner of a Citi credit card. My wife added me as an authorized user with my own card. I tried to add my card to my mobile wallet. Because I am not the primary account owner, Citi needed me to dial in for verification. When I called in, Citi did not ask for my information. Instead, they asked for my wife 's information. Specifically, they asked for her security password, they also asked for some of my wife 's account information related to another financial institution. 

I understand that Citi would need to verify the information of the primary account owner. I do not understand why they would prompt an authorized user to call in and supply information that is not theirs. Where Citi is aware that they are speaking with someone other than their customer, and that person is providing them with a security password that Citi knows belongs to someone else, this should immediately cause concern to Citi. Citi should not be encouraging their customers to share their passwords and other non public personal information with other people. Citi should not build verification systems around this practice. This creates a high risk of identity theft and 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 2018-11-18
Company: CURO Intermediate Holdings
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: Information is missing that should be on the report

Complaint:
XX/XX/2018 was loaned {$970.00}. paid {$2400.00} at 530.588 % APR XX/XX/2018 was loaned {$1800.00}. paid XXXX at 416.852 % I took the loans because when I went in both times the clerks say they will report to Credit agencies. 
Which I think is normal. What they did not say is they only report if the person does not pay the loan in full. 

They did not clarify that only people that don't pay are reported and when people apply. 

If a consumer is trying to re-establish credit and pay a high interest rate there is no benefit to the consumer for loans with other agencies. 

This makes the consumer to be able to borrow from the same creditor at a higher rate. 

They misinformed the consumer by saying they do report to credit agencies. I want the loan company to report I paid in full and as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18
Company: Santander Consumer USA 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: Account status incorrect

Complaint:
On, XX/XX/2018 I sent a letter disputing an account for Santandar Consumer USA in  regards to the amount being reported incorrectly for one report as {$33000.00} & another {$36000.00}, as well as being charged off/collections. During this time Santander failed to report my account was being reported, the letter was mailed on the XXXX of XXXX certified, signed for on the XXXX of XXXX, and a response was sent and received on XXXX2018. I pulled all 3 credit reports for the next 60 days and a dispute was never recorded on my account. Per the FCRA & FDCPA a notice of dispute is to placed on any account disputed within 31days and Santandar Consumer USA violated these federal laws. No response was ever received after sending the letter requesting for this item to be removed due to these conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the application process

Complaint:
The process started on XX/XX/XXXX when US Bank was approached to sign a form. I keep getting delays and lack of responses from them. I have been told by two managers ( XXXX XXXX XXXX ) that they are NOT allowed to call me back to give me an update on the progress. I am required to call in each time and spend approximately 20 minutes re-explaining the issues. There is rarely any update or progress from that phone call. 

US Bank does not allow me to communicate directly with their Customer Service Research or TIC Request Department. If that could happen, I could answer any questions they have immediately instead of playing the wait and see, wait and see, and wait and see. 

Other dates of communication have been XX/XX/XXXX & XXXX and XX/XX/XXXX, XXXX, and now the 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 2021-09-07
Company: Experian Information Solutions Inc.
State: GA
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 talked to XXXX  today, they said I could not dispute my hard inquiries. They advised me to speak with the lenders. I would like to dispute my unauthorized.

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 2023-12-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My credit report is showing inaccurate information that is concerning me. The inaccuracies with my name and address are causing verification issues and affecting my ability to get credit. This is a violation and I demand that these errors be corrected by 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 2017-11-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
I attempted to perform two transfers from my XXXX checking account to an account that I have at Chase bank using the XXXX web site and their " XXXX '' transfer feature. The money did not arrive in my Chase bank account. XXXX confirmed that the transfer was completed and provided an ACH number for each transfer. But they could not verify the destination account number or routing number for the transfers to help me track it with Chase bank. And they said they were phasing out " XXXX ''. Chase bank said they could not find any record of the transfers being received in their accounts -- and I provided them with the ACH numbers from XXXX. I suspect that the destination account number or routing number was incorrectly entered by me on the web site, and I also had to provide an email address. XXXX clearly did not verify the target account name before completing the transfer. Chase bank accepted the funds without confirming the destination account. I have spent hours on the phone and in the office of both banks over the last few months. Both banks have performed investigations which seem to amount to the same info -- an ACH number and no confirmation of receipt of funds. Neither claims to be able to help me, and neither will talk to each other to coordinate an investigation. I have no way to tell which bank is not able to trace the ACH properly. Transfer # 1 - XX/XX/XXXX - {$1000.00} Transfer # 2 - XXXX/XXXX/XXXX - {$1000.00} Name on destination account, account number, ACH numbers, and XXXX transaction IDs furnished upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: I.C. System, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am in fact, requesting this block on behalf of myself

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 2021-01-26
Company: National Credit Adjusters, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX they took the amount of XXXX I still have not received a letter confirming the debt is paid. They reported again in XX/XX/XXXXthat I owe and it has been paid. I want removed from all Reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: CITIBANK, N.A.
State: IA
Product: Credit reporting 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've recently had XXXX XXXX and Citibank view my credit report without my knowledge or someone is using my information to open an account. I tried to dispute it through the direct credit companies but still no result. This is affecting my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10
Company: Avant Holding Company, Inc.
State: TN
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:
Avant acct ending in XXXX is violating my rights as a consumer for this account is not my account XXXX XXXX XXXX. Avant has verified that they don't have no contract agreement with my physical signature.This a violation of 18 U.S. Code 1341 - Frauds and swindles I didn't give consent to this account for this isn't mine because there's proof of account is mines. ( See Attached ) For this also a violation of 12 U.S. Code 5531- Prohibiting unfair, deceptive, or abusive acts or practices. They are reporting to the credit Bureaus without my consent. Also Avant, XXXX, XXXX has been selling and trading my ( debt ) securities on the secondary market and profiting without compensation. This also a violation of 18 U.S.C. 1348 SECURITIES FRAUD Securities and commodities fraud is a serious crime under federal law, punishable by a maximum imprisonment of 25 years, plus a fine. 18 U.S.C. 1349 confirms that an attempt or conspiracy to commit a violation of 18 U.S.C. 1348 will be punished in the same manner as a violation of Section 1348 itself.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX, WA XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXXXXXX Balance Owed : {$0.00XXXX XXXX XXXX Balance XXXX : {$9900.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2021-02-13
Company: U.S. BANCORP
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
My loan for a XXXX XXXX  XXXX XXXX with USBank was paid off via a wire transfer from my buyer when I sold the boat. I called and spoke to two different reps from USBank that instructed me on the proper steps necessary to have the wire sent to payoff my loan and to request the additional funds ( sales price exceeded the loan amount due ) to be sent to me. The day the wire was sent, I was told the overage could only be returned to the sender of the wire ( my buyer in this case ) even though I followed their instructions to a T. I have spent close to 10 hours on the phone trying to get my money back from USBank to no avail. They closed my loan, mailed me the title to the boat ( but not the trailer ), yet still cant tell me where the {$8200.00} they owe me is. My buyer is a banker and has not received a return wire and USBank confirms it has not been sent. The original loan that was paid off was {$93000.00} via a wire for {$100000.00} on XX/XX/XXXX. The difference is due to me ASAP. Not only should they pay a per diem for this time frame, I should Be compensated for the HOURS spent on the phone getting the run around from the bank. Absolutely unacceptable for n every regard. I even had two different managers hang up on me today after being on the phone for nearly 40 minutes each time! US bank has been a dismal company to deal with through this whole ordeal, and I will never use them to finance anything ever again. Learn from my mistakes, and find another bank.

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 2018-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
My credit report from transunion is inaccurate and everytime over the last year my credit is pulled they are reporting inaccurate information causing me to get declined. transunion is slow to do anything, transunion has also caused a credit account to close after 90 of no usage referencing my score and time of accts and history balance. Im under 30 % DTI they are not reporting this, i have had credit for over 3yrs and my score is over 675. Well transunion is the one reporting these things thats are wrong causing my inquiry 's to build because they wont approve my loans, then saying to many inquirys. This seems abusive because the other two are reporting accurate history under 27 % DTI 100  % on time payments minimal inquiries because they are trying to help for real. I can see that they want me to sign up for their service to help but they should just do there job and report accurate. 

My score should be reporting over 700 like my other credit bureaus

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 2023-12-19
Company: Experian Information Solutions Inc.
State: MO
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:
Experian late in the day closed its 2nd complaint of the day without addressing the issue and giving explanations that have nothing to do with the problem

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 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
TRANSUNION HAD allowed Ctedit Companies to run my credit Report Causing a Hard Inquirie and affecting my credit report and And they also are a Company who I had send my Legal Documents and proof arguing for the OPORTUN account with inaccurate information contained within my personal information contained, it's wrong, name, address, they only have XXXX XXXX, they are not providing any other identification or job, or any other sources of proof to identify my self as a responsible owner of the account.! 


TRANSUNION AND XXXX ARE ILigaly Using their power to mess up the XXXX PEOLPLE LIKE ME... Trying to make a decent life and wrongful acting as a XXXX, helping a XXXX XXXX they get benefits daily, promoting their credit cards and getting commission, I get credit offers by 26 % or 36 % for credit or a loan. Just a sample I a get a card loan at a rate of 16 % for the amount of {$13000.00} dollars monthly the Loan company will get about {$240.00} on interest for a person like trying to build my credit after been " mess his identify '' so on that loan TransUnion XXXX will get a percentage, for TRANSUNION is no good to verify and fix the wrong information. 

Please CONSUMER FINANCIAL PROTECTION BAREAU REVIEW THE DOCUMENT. I JUST DONT UNDERSTAND IF " XXXX XXXX WITH the same Documents I provided to, XXXX, TransUnion and XXXX XXXX .only XXXX HAD FIX THE INACCURATE INFORMATION AGAINS ME. 

XXXX, XXXX, and TransUnion had even allowed car dealership companies to run my credit 2 times a day. It's XXXX seem this companies allowing This kind of inappropriate, inaccurate 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 2024-01-10
Company: Experian Information Solutions Inc.
State: MO
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:
Closed yet another complaint but flip flopping on explanations that mean and do absolutely nothing BUT STALL

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 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, USDOE/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 2017-11-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XXXX, I received a mail notification from Chase stating my account interest rate would increase from 10.24 % to 15.24 %, an almost 49 % increase. 

On the statement it claims " We are changing the Annual Percentage Rates ( APRs ) as described below because your APRs are below the lowest APRs we currently offer on similar accounts ''. 

I do not know what these similar accounts are or the criteria for similar accounts might be. The representative on the phone could not adequately explain this to me. 

Also, they state " We also took into account your other Chase relationships when making this change ''. The representative on the phone could not adequately explain how the relationships related to a 5 % APR increase. 

I do not know what the criteria is or how that positively or negatively affects my interest rate. I would like it explained.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: MOHELA
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My student loans were forgiven in XXXX ( per a letter to me from Mohela ), but the balance and updated status has NOT been reported to XXXX. I have disputed the incorrect balance three times, and contacted Mohela asking them to send XXXX the correct information. Mohela is incorrectly reporting the balance to XXXX.

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