BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2023 our home was hit with one of the largest hail storms in history for our area. Over $ 111K in damage and home needs roof replacemnt. Our Insurance Company XXXX XXXX issued check to cover damages ( minus deductible ) in the amount of {$81000.00}. To replace our roof it will cost over $ 111K. PenFed Mortgage is our Mortgage Company and uses XXXX as their 3rd party vendor to handle insurance checks released to their mortgage/homeowners. The check for {$81000.00} was endorsed and sent overnight to XXXX XXXX XXXX XXXX. XXXX, SC XXXX : phone XXXX. They received check and then only released a check back to us ( homeowners ) for $ XXXX. They are HOLDING on to {$41000.00} until COMPLETION of project. The issue being we need this money in order to start/complete replace our roof. I have called 5 times and each time they tell me they are reviewing releasing these additional funds and it will take 3-5 business days. It has now been a month and a half and I had the same phone call today with XXXX. It is in review and they will let us know if they will release the additional money to fund our roof replacement. We will be moving into rainy season come fall here in Texas and HAVE to replace our roof as soon as possible. The $ XXXX does not even cover the cost of the shingles. I have supplied signed contract from roofer/contractor to XXXX stating the cost and process. They can start but we need this money in order to pay for the roof. How can we complete a project if we can not start if they hold on to the money to repair? This is happening with so many that I know and they have filed complaints and the banks have then issued the remaining money so they can repair their homes. It is a horrible business practice to hold onto money that families need in order to make NECESSARY ( roof ) replacement repairs to our home. Please help us. 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 explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: AL
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 # 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Applied Data Finance, LLC
State: AZ
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:
I reached out to the company Personify Financial about the information on my credit. I let them know that my identity was stolen back in XXXX and I have no knowledge of this account. The went through and had me file paperwork to prove it wasnt me I filed that paperwork and they came back and said it was me. The account was opened on XX/XX/XXXX, with no payments made. I have reached out and filed disputes on this multiple times and nothing has happened. I was also never reached out to about this account, just saw it on my XXXX  XXXX day when looking.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chime is an online bank that has closed my account as well as many others ( evidence provided here : XXXX XXXX XXXX ) without much detail and or warning. As such, they have the funds to my account ( {$1500.00} ) and have not sent over the remaining funds from my previously open account to me via check, wire-transfer, or any other means. As this was meant to be my rent for the month of XXXX, I had to source my payment via my credit card, which is not ideal for plenty of reasons. As I have been waiting patiently for an update going on more than 2 weeks now, please help in escalating the transferring of my funds back to me ( as they have locked me out from my online app account and I am now incapable of transferring it myself ). Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: OH
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 recently received a copy of my ( XXXX, Equifax, XXXX ) consumer report, and I noticed that it is reporting my experience with your company. 

The line of credit I have with your company is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

XXXX XXXX XXXX  Account # : XXXX Your company is in clear violation of the law : Pursuant 15 USC 1681a 2 ( A ) ( i ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX XXXX ) Making the report is NOT INCLUDED ON MY Consumer report!

Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX XXXX ) that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer report!

YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 

You have 5 calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account/s XXXX XXXX XXXX Account # : XXXX Failure to respond satisfactorily with the deletion of the above Utilization will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil liability 4. Mental Anguish 5. Fair Credit Reporting Act 15 USC 1681 violations noncompliance-616 Civiila liablity for willful noncompliance 15 USC 1681n

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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, XXXX XXXX entered a card holder agreement with CAPITAL ONE on XX/XX/XXXX. CAPITAL ONE is reporting alleged late payments on my consumer report for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I sent CAPITAL ONE a cease and desist letter on XX/XX/XXXX along with a debt validation letter on XX/XX/XXXX via certified mail demanding they cease collection on the alleged debt and verify the alleged late payments. CAPITAL ONE responded on XX/XX/XXXX stating that they confirmed the alleged late payments they are reporting are accurate and they do not need to change how they update it to the credit bureaus. On XX/XX/XXXX I sent CAPITAL ONE a letter via certified mail pursuant to 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), requesting a description of the procedure used to determine the accuracy and completeness of such alleged late payments. CAPITAL ONE responded on XX/XX/XXXX stating they received my application by internet on XX/XX/XXXX and the account was opened on XX/XX/XXXX and sent me copies of monthly statements for the months of XX/XX/XXXX through XX/XX/XXXX. I responded on XX/XX/XXXX via certified mail disputing the validity of the account and demanded they update the alleged late payments pursuant to 15 USC 1681i ( a ) ( 5 ) ( A ) ( i ). CAPITAL ONE responded on XX/XX/XXXX stating the same response, that they have confirmed the alleged late payments they are reporting are accurate and they do not need to change how they update it to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: KY
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:
I XXXX XXXX consumer who is a victim of identity theft. XXXX, Experian and XXXX has used and furnished my consumer report without my authorization consent or written instruction. My information was shared to nonpublic personal information without my consent and also used that information to furnish.Congress makes it clear that the consumer has a right to privacy which Experian, XXXX, and XXXX has violated my federal protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentiality of my personal information. The Fair CreditReporting Act was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness and respect to the consumer right to privacy! Under the Gramm Leach Bliley Act of XXXX. I enclosed all documents social, ID and statement below. 
Account Name : XXXX Account # XXXX Balance {$250.00} Date Opened : XX/XX/XXXX Account Name : XXXX Account # XXXX Balance {$250.00} Date Opened : 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 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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, XXXX XXXX XXXX XXXX, have been a victim of identity theft. I have attached my FTC report listing all of the inquiries I have been affected by due to the Louisiana Data Breach and being a victim of identity theft. I have no accounts with the companies listed below. 

XXXXXXXX XXXX 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 explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 Reporting act XXXX XXXX XXXX XXXXhas violated my rights. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX 15 U.S. 1681 section 602 A. States I have a right to privacy. 


15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reportingagency 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 2023-08-10
Company: QuickClick Loans of Illinois, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
This lender is involved in predatory lending. They pray on customers who are hard on their luck maybe in financial straights to impose High fees and absorbent interest. I was the victim of this practice. In XXXX I entered into a loan for the dollar amount of {$3200.00}. Over the course of this loan I paid them {$4200.00} was informed in XXXX of XXXX that I still had a balance of {$1400.00}. I had already paid them and amount of {$1000.00} over the original loan amount and still was being asked for an additional {$1400.00}. That additional {$1400.00} would have taken my payment into the amount of {$2400.00} on a {$3200.00} loan which is almost 80 % of the original loan. At this time and since an angered of this practice I stopped paying in XXXX. Loans remain on my credit report and was told today that it will remain on the credit report for another 2 years. As a consumer I believe this practice of absorbent predatory loans is outrageous and the fact that this company continues to be in business with this type of practice is a Injustice to all past and present and future consumers. Being down on your luck unemployed and facing a financial burden should not allow for this type of company to take advantage. I knew that there would be some fees and a percentage rate but I had no idea that I would be paying almost 80 % of the original loan

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 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, have 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 an 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 2022-04-12
Company: Westlake Services, LLC
State: MO
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:
My credit was ran several times without my knowledge

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: Upgrade, Inc.
State: NJ
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:
" THIS COMPLAINT IS NOT A DUPLICATE " This loan was paid off in full on XX/XX/2023. Upgrade unexpectedly called the loan in the prior month. It has failed thus far to report the account as paid and settled to all credit bureaus. Upgrade has behaved in a manner similar to a loan shark. Regardless we had to find the money to pay them off and now they are holding back on reporting It as paid. Which is having a negative effect on my credit score.

Please see the attached loan paid receipt E-Mail from them.

This complaint is also addressed against the 3 credit bureau companies for maintaining and putting out the wrong information on my credit report and not updating it regularly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
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: Information belongs to someone else

Complaint:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-28
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
My customer number is XXXX. I requested a XXXX loan they so just gave me a XXXX loan. I was under the impression because this was during hard times and my dad just passed away that the loan payment would be once a month as normal payments are. But then come to find out they want to {$200.00} each payday XXXX a month. I am single I just had my roommates moved out so I am covering all of the bills on my own I asked if there was a way we could lower my payments since we couldnt make it once a month they said they said no they cant lower them at all nor can they make them once a month. I am single I just had my roommates move out so I am covering all of the bills on my own I asked if there was a way we could lower my payments since we couldnt make it once a month they said they said no they cant lower them at all nor can they make them once a month. As it is {$2600.00} loan inns up costing me almost {$8000.00}. during a time of hardship these people take it vantage of those who are in need of cash when its a hard time and thats a shame but I asked to work with them in some sort of way and they denied every way for me to work with them know they cant do anything they said. So that is why I am contacting you folks my name is XXXX XXXX my phone number is XXXX area code XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a loan through Carrington Mortgage. I use my bill pay service through XXXXXXXX XXXX to make my mortgage payments. 
Carrington will take an extended amount of time to process my payments sometimes up to three weeks. When I call in to inquire about the payments, I'm informed that Carrington does not have my check. 
I will then make the payment over the phone. 
Then, within a day or two the check that Carrington states they don't have will suddenly try to clear my account. Since I just made the payment over the phone this will result in the check not clearing my account. 
Carrington then states that I have bounced checks and I have late payments. I get a charge for a late payment and a charge for a bounced check. 
They do this on the check they state they don't have and I pay over the phone only to have them try to cash that very same check, right after they pulled the funds from my account for the over the phone payment. 
Now my bank ( XXXX  ) has begun sending them payments electronically. Currently, I have a payment that has been pending on my XXXX account for 11 days. Carrington states they do not have the money yet XXXX says they do have the money. This money has been " pending '' electronically for 11 days. 
Also, Carrington now says that due to my " bounced checks '' I have to send everything in as Certified funds which will result in even longer processing times for my payments. 
XXXX  has kindly written a letter to Carrington explaining the funds are sent electronically and Carrington has never rejected the electronic transfer and therefore has the money. 
In the middle of all of this, Carrington has reported me as late, charged me with fees and ruined my credit that I have worked hard to build. 
I am trying to clean everything up and get this account straightened but at this point I feel like Carrington is deliberately trying to ruin my credit, cause me additional fees and try to make this process even more convoluted than it should be. I've only had this account for 4 months and in that time it's been one headache after another. 
Since they have ruined my credit I'm unable to refinance now and I'm stuck with this very shady company. I'm not sure what to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: CAINE & WEINER COMPANY, INC.
State: AZ
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:
items on my credit report were removed then added back on. 
Also debtor can not tell me what the debt is from.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: Experian Information Solutions Inc.
State: MI
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:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-22
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
About the two accounts Private Student Loans of my Daughter and I am the Co Signee own by : American Education Services the amount are {$14000.00} and the other is {$15000.00}, its a Default since 2006. Right now in Credit reporting Agency is in accurate of the total amount??? ... ... Then this collection agency the XXXX XXXX XXXX .they buy the loan..is XXXX  balance and charge off ... .Now they sue me and there is Judgement already freeze my bank account and garnish my salary. and the Limit of Limitation passed Already and what i need is the Debt Validation ... Any help can be appreciated on you company ..Thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was one of the people who they opened saving account then was charged over draft fees. I was also charge fees for interest that made account go over draft.

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