BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-06
Company: MARINER FINANCE, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The debt collector failed to send communication regarding the debt, introduction of who they are, what the debt is for, and my right to dispute. They just appeared on my credit report without notice. They must abide by the regulations and validate the debt. This has not been done. How did this debt collector, even have access to my credit report without the proper protocols and regulations?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I the federal protected consumer or natural person pursuant to 15 USC 1602 ( g ) submitted a loan application for a {$100000.00} consumer loan and was denied based on credit which is violation of 15 USC 1691c. USAA Federal Savings Bank is in violation of 15 USC Code 1642, USC 1681 and 12 cfr 1002 because I, the consumer made an application in good faith, but funds were not issued.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My escrow anylist get done on XX/XX/26 as state mandated. And my new payment will start on XXXX every year. This year my mortgage company Mr cooper made a mistake on my escrow they doubled charged me for home owners insurance. So I called and ask them to correct the mistake. And I did paid shortage so my monthly payment wouldnt go higher. They did run new escrow but started my new payment from XXXX. It should be starting from XXXX. So called multiple times every time they said nothing to worry we will fixing it before the payment is due. And if not fixed they will credit me the difference. But now after paying the payment they refused to do anything. So I would like to file a complaint. Mr cooper XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSWORLD SYSTEMS INC
State: VT
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:
Someone has used my name and SSN to purchase a product or service from a company called XXXX XXXX XXXX XXXX for a sum of {$1100.00} back on XX/XX/XXXX. This debt was turned over to a collection agency, Transworld System, which in turned flagged a notification with my monitoring service. I have contacted both and was told that I must file a report with my local police and file this report with you as well. XXXX XXXX was not able to release to me what method the imposter was trying to charge the debt ( XXXX, XXXX XXXX or such ). I am concerned that there are going to be more debt notifications to come from these people. The charge was placed to a residential address in XXXX Texas. I have never lived in Texas and have been at my current residence since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
XXXX refuses to properly report my mortgage account to the credit bureaus - although it is paid every single month, and has NEVER been late. Doing this has caused me to be denied credit - companies indicate that due to my not having real property/real estate on my credit file they can not extend me credit. However, I pay {$1500.00} monthly to XXXX - and get XXXX recognition of that fact. 

I have attached our most recent mortgage statement that does show that I am actually the primary on the account. 

XXXX claims that since I filed Chapter XXXX bankruptcy during the pandemic that they can refuse to report my paid as agreed mortgage - I do not see how this should be allowed.

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 2019-08-02
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX XXXX XXXX experian all have failed to do a proper investigation about a bankruptcy on my credit report. Ive tried several attempts and yet no changes have been made. Ive went as far as contacting a bankruptcy court and they said they do not give out information to third party vendors such as 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 explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
A few days ago, my account lost {$2000.00}, which is my living expenses for several months. I checked my account immediately after I found it. At that time, this was a pending state. So I want to explain the situation to the bank as soon as possible and there is a fraudulent charge. I hope they cancel the transaction. But when I first called, when he heard that I needed to cancel something, customer service become very rude to me and told me that I needed to wait another 15 days. I made several phone calls, but Chase Bank didn't want to take action as soon as I heard that I lost my money, and put all the responsibilities on me. I consulted my lawyer and she told me that the bank should be responsible for the money because they have the right to protect consumers and cancel the payment. My lawyer clearly told me that most banks should reimburse me if there have a authorised push payment by scam or fraudulent transaction. I remember answering a phone call before I lost my money. The scam lied that he was an employee of Chase Bank and said that he would freeze my bank card because my card was stolen. As a result, I found that my card was less than {$2000.00} and transferred it to someone I didn't know. The people who really work in the bank are too rude. They do not want to reverse the transaction but actually they can. Even lied to me that they would investigate that person turns out saying " lack of evidence ''. I feel very unfair and sad. This is my hard work money. I believe in banks, so I invested and put my money in Chase Bank, but when something happens, they will treat consumers with such a high attitude. If the world is still fair, please give me back my 2000 dollars. 


Why do I continue to use it after being fraudulent charged? Because I can't trust any bank, and I have to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Lending Club Corp
State: NY
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:
I am XXXX XXXX submitting this complaint on my behalf there is no third party involved. On XX/XX/2022 My billing error dispute ( Exhibit Included ) was delivered to Lending Club This Company has refused to acknowledge receipt of the documents they are furnishing inaccurate and incomplete information on my consumer report which lacks accuracy and integrity pursuant XXXX XXXX XXXX. I have included in my Exhibits the proof of delivery along with my pre arbitration demand letter. This shall serve as my second and final notice of an error that I am disputing in my bill and demanding Lending Club make the appropriate changes necessary to properly reflect my account. The inaccurate information has caused me the inability to obtain credit for my personal, family and household use. Lending Club Is furnishing information without accuracy to XXXX, XXXX AND XXXX which lack a great deal of integrity which has caused substantial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: CITIBANK, N.A.
State: FL
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/2023 I mailed citi bank a check to pay my credit card in full. the reason i mailed the check is that the line at there bank was to long for me to wait in and they do not have a night drop box. Please note my payment due date was the XXXX which was a sunday. 

One would think that Citi bank and all major credit card companies could automatically adjust there payment due dates on statements to the next business day when a due date falls on a Sunday or that they could check there post office box on the weekend. however doing so would cut down on there fee income. 

furthermore i suspect they will now try and charge me interest on the balance for paying on the first business day after the due date. I also suspect that there charging this {$41.00} fee is a violation on US postal regulations, note they mail me my statement VIA the USPS. 

You need to get this fixed as Citi bank and the rest of the XXXX banks are charging crazy fee 's that there systems could prevent by complying with USPS regulations which state they must us the post mark on the envelope.

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 2023-12-07
Company: AAA Collections
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I received a correspondence on XX/XX/2023 from AAA Collections XXXX stating I owed them over {$10000.00} plus interest. I immediately called in an attempt to dispute the debt. I was not comfortable with them reading the " mini miranda '' which I interpret and view as an acknowledgement that debt is owed. I, XXXX XXXX, refused the mini miranda as. I simply wanted to dispute the debt as I'm entitled to by law. AAA Collections will not take my calls to acknowledge a billing error did occur from their client XXXX XXXX. Rather they've but my file on hold per XXXX XXXX versus removing it as they're required to by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
When I called in XXXX to set up my default recovery where you pay 9 months of on-time payments, the agent specifically told me that once I made the 9 perfect payments, I'd have the same rights to place the loans in forbearance or whatever suspension of payments that federal loans or guidelines allow. Now, I don't know if this was an Heartland ECSI agent or some third-party collection agent telling me this ; either way, there's a recording out there of my call since I made voice agreements to the default plan. 

Since I got myself out of default on previous loans around XXXX and have federal students loans, I know the forbearance and deferment rules. 

Fast forward to XXXX, I was able to place my loans in General Forbearance while I wasn't in school, after they went back to payment status, post COVID-19 Pandemic. Once I began school back at XXXXXXXX XXXX to finish my Master 's in XX/XX/XXXX, I had my FA Advisor, XXXX XXXX fill out an In-School Deferment and sent it to ECSI. That's when they denied it saying my loan type only allows General Forbearance. I'd never heard of that until that point. I believe I called ECSI about this, but I can't remember. This is the same school the private student loan was issued. If this loan type only allows General Forbearance, why would the same school 's FA Advisor fill it out for me? Why not tell me In-School Deferment isn't allowed for my loan type? 

Since then, I've tried researching how to file a complaint for misleading and giving inaccurate information to a loan holder back in XXXX. I've had Long-COVID issues where I've been to the doctor a lot, so I was having a hard time finding complaint information. I filed a General Forbearance, and then they again denied it because they said it was in collections. I know no rule that say it can't be put in forbearance if it's already in collections, but not yet officially in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Sequium Asset Solutions, LLC
State: CO
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Discovered a collection/chargoff from a debt collector on my credit report. Called the original lender, XXXX XXXX, and confirmed an account ( XXXX ) was opened with my SSN fraudulently. I never received emails, phone calls, or mail about this account, debt or anything. Which is why it took so long to discover it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am asking for a investigestion on this account I do not have a contract with this company please have this company sign a contract bearinf my signature LVNV FUNDING LLCXXXXXXXX XXXX XXXX is this account and in accordance to the Fair Credit Reporting Act LVNV FUNDING LLCXXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agrncy can not furnish a account without written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: FL
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 XXXXXXXX Account # XXXX, Account # : XXXX, XXXX account : # XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX  # : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacv.

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 15 U.S.C 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 2023-12-11
Company: FISERV INC.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX a workman compensation settlement was to be direct deposited to my account in the amount of XXXX. The law firm that sent it said it cleared on the XXXX XXXX XXXX, i however missed a number on my account, now i have been ran in circles for a month trying to locate funds. I have been giving conflicting info by multiple supervisors, i was told on XX/XX/XXXX thats the funds had been located and being sent back to my lawfirms bank.The law firm never recieved anything back, now the bank customer service is being no help told me contact irs, which i did and they have no clue what the bank is referring to.Today i was told the money went in the wrong account and has been spent. So now a month after this all began XXXX looking at eviction.money network has stolen XXXX from my family!

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 2023-02-25
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: Personal information incorrect

Complaint:
Incorrect addresses reporting that I have never lived at

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 2019-11-04
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I reached out via phone to TD Auto Finance in early XX/XX/2019 to seek a payment extension as I knew it would be tough for me to make the next payment given the substantial money Ive spent trying to repair my flooded moldy home in Houston. I took the action they required, which was to pay the accrued interest to effect the payment extension. TD claims I should have mailed in a signed paper as step 2 to  effect the agreement. The attached shows that TD confirms on pg 1 that paying the interest is whats needed to effect the agreement. Pg 2 changes it to say sign here. In short, TD reported the account 30 days late which caused all 3 of my FICO scores to decline XXXX points. Ive begged them to not apply this false 30 days late and they refuse to even consider admitting their negligent error. 

Unfortunately, Ive been through this with other lenders and none has ever required a document to me sent in : XXXX XXXX, XXXX XXXX etc. matter of act, those lenders have never required the accrued interest be paid either, but thats not my complaint. 

Ironically, Ive sent TD Auto 2 payoff checks in certified funds, and they have yet to apply either check despite having the checks for over 7 days. TD clearly has operational issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
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: Reporting company used your report improperly

Complaint:
No response

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 2022-11-17
Company: NAVY FEDERAL CREDIT UNION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account has been unlawfully restricted. I tried multiple times to get this matter resolved and I have been unsuccessful in doing so. I've done everything required including provide all the proper documentation and I have not received an explanation or anything stating when my funds will be released. This is unlawful and illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
PAYPAL FALSELY ADVERTISES 2 % CASHBACK REWARD ON POSTED TRANSACTIONS BUT THEY'RE NOT HONORING IN WHAT THEY ADVERTISE.

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 2023-03-09
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Radius global solutions attempted to collect {$72.00} from me without any calls and mailed bills. I called them to sort things out and was told XXXX XXXX was where the bill originated. I called XXXX XXXX and the staff was unable to figure out how this happened. I checked my credit score a day later and it magically disappeared from my credit report. I also disputed this matter about 2 weeks ago. While the collections is gone, my credit score remains XXXX points lower.

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