BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-28
Company: HEARTLAND PAYMENT SYSTEMS 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: Account status incorrect

Complaint:
I have been on an automatic payments schedule with Heartland, XXXX, for a student loan. I pay a small amount quarterly on this student loan, which was not debited last period unbeknownst to me. I was never notified of that my account was late or that my account was taken off of direct debit of scheduled payments which it was on previously. I called into customer service when I saw on my credit report that there was a 30 late notice. I was told by the customer service of that this delinquency will be corrected at the credit bureaus since there is a record that I was supposed to be on a payment schedule and which was removed for an unknown reason. Unfortunately, this correction has not happened as yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Two derogatory reports for the same debt. As soon as I contested the first report through Trans Union, they added a second report for the same debt for twice the amount. When I spoke with the agency some time back, I was told by the original debtor, it was stated that there was no record that they submitted the original bill to XXXX. They refused to re-submit the cost because the debt was to old. Now that the debt was about to drop off, a new collection agency appeared stating twice the amount. By coincidence through Trans Union. I wish to once again contest this derogatory especially after what just happened. Thank you for notifying me of what I consider to be another error. I have worked very hard to clean up my credit. In my opinion the violations are coming through Trans Union, because they are the first that I filed a complaint with. Also again by coincidence, I have at least 2 agencies who are tapping into my credit report. XXXX is legal, the other two are not.

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 2023-05-02
Company: MoneyLion Inc.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened an account with money lion and set up direct deposit..I got my first direct deposit on the XXXX of XXXX. I tried to access my money and it didn't let me..it said my account was suspended or close. I called them and they told me that they could not tell my why it was close. They told me to send them a picture of my driver 's license and a picture of mail that has my address that matches my driver 's license I ended up sending those documents four times. I called and told I sent them the documents. They said they couldn't read it. I sent it again. Then they said I needed to send a selfie of me holding my driver 's license, I did that and I sent it. Then they said they couldn't read it. I ask them why did u close or suspended my account. The girl tells me for suspicious activity..I said to her the guy told me a week ago that he could not find out that information and now u are telling me that it's for suspicious activity. I didn't even use the card yet. I keep sending them documents and I still have not released my money ( XXXX dollars ). Now they said that the account was close but they received a direct deposit from my job. When I ask her how was that possible she said that the account was opened..so I called her a lair. I just want my money.

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 2022-11-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Stay away from this dealership they discriminate against XXXX military veterans. I leased a car from them XX/XX/2021 and my credit was ran multiple times with the same bank. I called to get credit removal letter because the dealership made the mistake.When I called the dealership the rep on the phone refused to get me a XXXX or the corporate office information. I called back and spoke to XXXX when I told him I was going to file a CFPB complaint he hung the phone up on me.This dealership is making the brand look bad. I would go to another XXXX dealership in the XXXX XXXX especially when they discriminate on XXXX military combat veterans. I served XXXX combat tours in XXXX and should not have to come back to a country that treats you like XXXX. I am pleading do not go to this dealership for business. I feel like my rights were violated on every levels. I am filing a lawsuit.

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 2023-05-02
Company: WASHINGTON FEDERAL BANK
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Washington Federal Bank is my loan servicer and maintains an escrow account for taxes and insurance. This years insurance renewal was due XX/XX/XXXX but the statement shows it was not sent until XX/XX/XXXX. As of now, the insurance carrier does not show as received. The insurance broker reached out 4 times in XXXX to prevent lapsed coverage and every time were told 2-4 business days with never hearing back. On the 4th one, WaFd said I had to call. Ive now called 3 times with the same result. My policy has since lapsed and caused me to have to pay the renewal and a reinstatement fee for a total of {$810.00}. And the {$790.00} is still showing deducted from my escrow account without WaFd making resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-16
Company: GOLDMAN SACHS BANK USA
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022, my GM Rewards Credit Card by Marcus at Goldman Sachs was charged in the amount of {$470.00} by a merchant that I did not recognize and was unaware of - it was an unauthorized charge ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ). Upon realizing this, I raised the issue to Goldman Sachs and they temporarily refunded the disputed amount while they investigated. Today, XXXX XXXX, 2022, I received notification from Goldman Sachs that my dispute claim was denied because the " merchant was able to provide sufficient evidence. '' Goldman did not explain or show me the evidence that was provided to them. I'm a consumer and am simply trying to dispute a charge that is fraudulent and I don't recognize. Yet, I'm being penalized by Goldman for this charge and am now being charged for {$470.00}. My account ends in XXXX and the dispute ID is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I submitted a payment on my bank of America credit card for XXXX dollars, thought everything was good as that's the due date, a day or XXXX later I'm hit with some late fee, which they've done before by the way I just never complained, which jacked up my minimum payment and finally I've just had enough of this nonsense I emailed them and there was no resolution. Now because my payment has gone way up the last few months I can no longer afford to pay it as it's a financial hardship and they just keep stacking up I have told them if they just removed those garbage fees and get my payment back down I would resume payment. Hasn't happened, it's hurting my credit score and I don't know what else to do

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 2019-01-04
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
This is another bureau for which, when I attempt to use XXXX to get my free annual credit report as mandated by law, their website shunts and orders me to send in a mail form and has done so in the past.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-28
Company: Midwest Recovery Systems
State: LA
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:
A collection company with an unknown date reported some payday loan or something that is not mine to XXXX, XXXX, and XXXX  on XX/XX/XXXX. I filed a complaint with all three credit reporting agencies with supporting documentation and XXXX is the ONLY one that removed it because my documentation proved that 1 ) my name did not match the name on what they have 2 ) Midwest recovery has ZERO documentation 3 ) they harassed my parents back in XXXX when I did not even live at whatever address they HAVE LISTED 4 ) I was living in XXXX XXXX 5 ) I had already reported case of identity theft by that time 5 ) now its been over 30 days with ZERO response by such company Midwest recovery and XXXX  and XXXX   have yet to remove it while it still lowers my credit score. I AM BEYOND LIVID

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions 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:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regards to this incident. In addition, I have attached a PDF document reflecting all items that were found. Please remove the disputed accounts ASAP. 
ACCOUNTS -XXXX  XXXX : XXXX DATE OPENED : XX/XX/XXXX CREDIT AMOUNT : XXXX -XXXX XXXX XXXX XXXX : XXXX DATE OPENED : XX/XX/XXXX CREDIT AMOUNT : XXXX -XXXX XXXX XXXX XXXX : XXXX DATE OPENED : XX/XX/XXXX CREDIT AMOUNT : XXXX XXXX XXXX XXXX XXXX  : XXXX DATE OPENED : XX/XX/XXXX -XXXX XXXX XXXX XXXX  : XXXX DATE OPENED : XX/XX/XXXX CREDIT AMOUNT : XXXX INQUIRIES XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: SANTANDER HOLDINGS USA, INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
SANTANDER was in a class action suit and it was ordered for them not to report to the credit bureaus concerning accounts. I sent the information in explaining that to them and they didn't respond in the proper manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: D&A Services, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On Tuesday,XX/XX/2018 at XXXX I was contacted by D & A Services on behalf of XXXX XXXX , I was threatened with a lawsuit if I did not make a promise to pay to debt. I was repeatedly told the call was recorded. I asked her to please stop threatening me with a lawsuit she did not stop the scare tactic.

Also on a previous call, they informed me that they had checked my credit to see that I had been settling other accounts and told me I need to settle with them or they would take to me court and garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
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 was a victim of identity thief, I old roommate made purchases on my card while I was undergoing XXXX. He made unauthorized charges in which XXXX did not notify me instead start reporting negative items to the credit report. XXXX also sold my account and gave up all rights on this account. The company that took over this account and XXXX both agreed to have this account completely remove from all three credit bureaus and currently the account is still reporting on all three bureaus. Im a protected veteran and if this account is not completely removed from all three bureaus I will file sue against XXXX for allowing fraudulent unauthorized charges to be made and negative impacting of my credit file. The agreement was this account would be removed from all three credit bureaus. XXXX, XXXX and Transunion have all agreed to remove it as long as they got request from XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
Since XX/XX/2018, I have been getting late fees added to my AMEX corporate account. This is a card that my company pays in full every month. Unfortunately, AMEX can not substantiate why or where the fees originated. According to them, I owe over {$420.00} in fees, but they can not tell why. 
Every month they add {$39.00} to my billing statement now adding up to {$270.00} from a {$78.00} so called debit charge that they nor I can explain. 
I called again last night XX/XX/18 at XXXX and neither XXXX or her manager XXXX were able to provide me any guidance on what's going on. Including, XXXX had me on hold for more than 30 minutes saying that they could not retrieve my statements due to a slow internet connection. Moreover, I then requested a call back to review my statements and never received one. 
They know I have excellent credit, therefore, they do not waive those fees because they I dont want to ruin my credit. They are taking advantage of my situation even though they can not explain why or when these charges were initiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2022-10-25
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a chime account about 2 years ago and they closed my account after i tried to get back my money after being locked out of the account for many many months. When i finally got my account back. I told customer service that I want my deposits back and to prosecute the person who used my account and impersonated me. They closed my account and would no longer correspond with me and have been uncontactable since. I am missing close to {$20000.00} to Chime which I want back. I have since hired a lawyer and I was told to go this route first since Chime supposedly gives the runaround. Please assist. The dates go from XX/XX/XXXX to XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Peter Roberts & Associates, Inc.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Peter Roberts & Associates - The information was correct. and now it is not. 
Orthopedics Bills are on my Report 3 times instead of once. 
It should be once time for {$1100.00} for XXXX XXXX like it was to start with. 
It is now listed 3 times for a total of {$4400.00}. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 

They did not operate on me 3 times in one day. This was correct to start with, and now is so obviously wrong. I saw XXXX XXXX not XXXX orthopedics. This was originally correct as {$1100.00} for XXXX XXXX, and now it is wrong 3 times and I am being told this is all correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: EQUIFAX, INC.
State: MA
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 am XXXX XXXX, and I am the natural person and consumer. There is no 3rd party involved in this complaint and I am submitting this complaint in good faith on my own behalf.

I have a 30 Day late payment reporting on XXXX XXXX  Account. This late payment is innacurate and unverifiable and it was recorded during the XXXX Pandemic. I need the late payment to be removed immediately from my consumer report.

According to 15 U.S. C 1681 all information on my credit report should be 100 % accurate no questions asked.

I am expecting a full investigation into this late payment and removal. 

XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Nelnet, Inc.
State: NM
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I began paying on student loans we cosigned for in XX/XX/XXXX. The payments are XXXX for account XXXX ( note id 's XXXX and XXXX ) and XXXX for account XXXX ( note id XXXX ). In XXXX of XXXX I received notice of late payment. I called and was told it was an error on their end and they would put in a ticket to have the error fixed. I was told it had something to do with the resetting of the due date on the loan. I never heard from anyone. I was contacted the following month and told again I was late. I recalled the conversation with the prior customer service rep and was threatened with reporting to the credit bureau. Since that time, I have continued to receive notice of past due payments each month always some vague amount. I've spoken to several customer service reps all agreeing there is something wrong on their end and they'll enter a ticket but nothing has been done and no one has contacted me. I've attached some of the notices I've received with notations on who I spoke with. In XXXX, per their instructions, I sent copies of bank statements showing payments to firstmark had cleared and were consistently made each month. I was told I would be contacted ( again ) in 5 days and heard nothing until another notice arrived in the mail. I again emailed customer service and a phone call last night trying to collect money. I don't know where else to turn. I have been faithfully paying this as you can see by the attached statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: ERC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company XXXX put a derogatory item on my credit report which I disputed multiple times and they took it off my credit, and it appeared up on my credit report through another company.. Im in the process of trying purchase a home and it came on my XXXX. The new company is called ERC. The account number is # XXXX with the company XXXX The last dispute letter date was XX/XX/2020 The amount is for {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681b ( a ) ( 2 ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, 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