BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-07
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have been receiving threatening calls about a debt I have no knowledge of. Repeatedly they have called me and when I ask who they are they refuse to tell me and are very rude, most times they hang up. I eventually managed to speak with someone told them to mail me the information as I did not feel comfortable giving out my personal information over the phone blocked the number and later received a knock on my door from my local sheriff 's dept with a court order suing me for the debt from said collector XXXX XXXX. I am away on business and receive a phone call from my sick mother stating they have called her and threatened her as well. They then proceeded to tell her all my personal business without my consent or knowledge. I called once again and reminded them at this point I'm in litigation with them and there was no reason for them to continue to harass me or any of my family about a debt they can not even provide a statement of. Apparently this debt is over 5 years old and was bought by another debt collector from a business that is closed down. I offered on a few attempts to try and make arrangements to pay whatever I owed as long as I was mailed a statement or itemized bill. I've never received anything and even made arrangements to try to take care of this matter. They are bullying and non compliant about negotiating with me. I am in the process of being taken to court by these people due to their lack of communication and providing necessary information. I want to countersue them for harassment due to my mother 's health declining since their repeated calls which I have documented. Please let me know what I can do as this is not ethical or right for them to do this to people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Transunion has frozen my credit

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 2018-03-23
Company: PC LEGAL SERVICES, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On Thursday, XX/XX/18 at XXXX XXXX., I received the following email from my employers human resources department. 
Hi XXXX, I just received a phone call from a XXXX at XXXX XXXX XXXX  who would like you to call a firm named XXXX - at XXXX - reference filing case # XXXX Thanks, XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-03-14
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: C & M Associates Group, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Calls constant. Live persons and robot. The phone number does not belong to person they ask for. Will not stop and we have contacted them several times to stop. We have this number many years. They get very nasty and threatening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello, I dont believe my payments and interest are being calculated correctly. For example. My interest charged between all loans is approximately XXXX per month. This past month, the interest charged seems to be around {$400.00}. On top of that, my interest went from an accrual of {$560.00} to over {$600.00} in the past few days WHILE my account is in FORBEARANCE, and the additional {$30.00} seems to be randomly charged. My balance and interest seem to inconsistent with any amortization schedule, leading me to feel like theres a lack of transparency with how my payments are being allocated. Id also like to know why I wasnt notified of my account being placed in forbearance. Please review my account to check for payment and interest inaccuracies. 

Thank you, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
XXXX XX/XX/XXXX Capital One Financial Corp Re : Fraudulent XXXX Charges XX/XX/XXXX Capital One employee XXXX ID XXXX did her best to assist me today in rectifying this situation but was unable to do so. I am reaching out to you with the facts to get help. 

1. I requested a replacement card online because mine was misplaced. 
2. On XX/XX/XXXX I received a text asking if I was at that moment charging items on my Venture One card at XXXX XXXX & I replied NO. 
3. I then called customer service & told them I had NOT received the replacement card that was being used and I NEVER shop at XXXX. 

4. I was told they would investigate the charges and I asked if the charges were done at a local XXXX because I was concerned that the missing card had been removed from my mailbox. They responded that Fraud investigation would get that information. They also said they would send a replacement card. 

6. I then received a replacement card which surprisingly was ALREADY ACTIVATED and required no security call at all. 
7. I now have received a letter from Customer Fraud Protection saying that there are no indications of fraud because the person had the card. Obviously the person using the card stole it from my mailbox or it never even got into the mail. Please investigate further - I am NOT responsible for these charges which have now been put on my replacement card. 

There is serious fraud in this instance and I am upset and also angry on how this situation has unfolded. I have been a customer for a long time and am highly disappointed in how this is being handled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-24
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 am a victim of identity theft, on XX/XX/2018, I presented a dispute to the 3 major credit reporting agencies via mail of accounts on my personal credit that I never benefited from nor authorized, yet after 3 calendar months I have received nothing in resolve.

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 2023-03-14
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account number : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
1. We used a report issued by an FHA appraiser in order to qualify for this loan.

2. Later, I had a secondary inspector come and look through the house.

3. He gave me the report that is attached to this email. And he also said that he thought that the house was such that it should never have qualified for FHA approval.

4. He suggested that the license of the person who made this appraisal should be pulled.

5. I contacted the FHA to let them know that they had possibly a corrupt or sloppy inspector.

6. They told me that I should contact the loan servicer as the first step.

7. And so, here we are.

( Please note that the INDEPENDENT home inspector found about {$7000.00} worth of repairs that would have been necessary to make the house qualify for an FHA loan. Those are {$7000.00} that I have to come up with out-of-pocket in order to get the house up to code, even though it was not up to code a single day of the six months that we have lived in it. The house is a fire hazard, if for no other reason than the fuse box that needs to be replaced because it is out of date and out of code.. ) Attached is the report from the secondary inspector, which the mortgage Servicing Company already has. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX  to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX  XXXX Balance : {$620000.00} XXXX  XXXX XXXX Balance : {$5100.00}.

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 2023-10-05
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I work for the State of Ohio. I get paid on Wednesday for the pass year and a half. But lately Chime been holding peoples money. Today is XXXX XXXX I was supposed to got paid yesterday. But did not! Other people with different banks received their money but not us chime users. I just want my deposit. Chime and all their partner XXXX need to be held accountable. They say nothing wrong with the deposits but on social media people are complaining about not getting their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Javitch, Block & Rathbone LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX I filed a complaint with CFPB about this same debt and debt collector/law firm. See that complaint here : YOUR COMPLAINT I received notice that I am being sued by XXXX XXXX XXXX, XXXX XXXX at a trial on XX/XX/XXXX in a Justice of the Peace Court . I do not know the company nor have I done business with them. I am XXXX years old, widowed and on a limited income. I can not afford an attorney. I believe this is a scam and a form of harassment due to my age. I have filed a complaint with the Attorney General of Texas and sent an email to the Justice of the Peace regarding this.

The response from the company is here : Company responded Status Company responded on XX/XX/XXXX Response Type Closed with explanation Company 's Response XXXX XXXX XXXX XXXX XXXX acquired a XXXX XXXX account in XXXX XXXX name reflecting a balance of {$3400.00}. When efforts to resolve the debt were unsuccessful, the account was placed with XXXX XXXX, XXXX with authorization to file suit on our behalf. The matter was subsequently transferred to Javitch Block, LLC. Based on the information XXXX XXXX provided and as a courtesy, we have instructed Javitch Block, LLC to dismiss the case. XXXX XXXX XXXX XXXX XXXX is terminating further collection efforts and closing its file. Thank you for the opportunity to respond. 

The most recent letter dated XX/XX/XXXX from Javitch Block LLC is attached and again a request for debt collection for XXXX XXXX XXXX XXXX but no indication for what. I do not owe XXXX XXXX XXXX or Javitch Block LLC. 

I would appreciate assistance on this. Preying upon the elderly should be a criminal offense. Regards, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
My loans XXXX, XXXX, XXXX, XXXX, XXXX, XXXX are on SAVE and the monthly payment is {$30.00} but my loans XXXX, XXXX, XXXX, XXXX, XXXX are on LEVEL and the monthly payment is {$1700.00}. The first time I applied for XXXX was XX/XX/2023 and they only put half my loans on SAVE and never told me why they didn't put all my loans SAVE. They wouldn't use my original first application so I had to apply a second time on XX/XX/2023 with all the exact same information as was on the original first application. They still won't process the applications and put all my loans on SAVE. Now they are telling me that I have to pay the {$1700.00} or let my loans accumulate interest on forbearance. They say that they can take as many months as they wish to process SAVE applications and XXXX me out of interest forgiveness for as long as they want. They say they won't back date the start date for SAVE and my loans don't qualify while on LEVEL or forbearance for the government interest forgiveness that I should get on SAVE. So I'm stuck with them being able to steal {$1700.00} from me each month until they finally process the application. They get to XXXX me out of the interest forgiveness that I should be getting on the SAVE program until they finally process the applications and they can take as much time as they want to do it. The CEO gets to maximize profit by hiring less people and the government is just letting them extort me like this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Comenity Bank underwrites the PayBoo credit card for XXXX & XXXX XXXX in New York. It is a card that is only usable at XXXX & XXXX XXXX. They have special financing offers up to 12 months no interest if paid in full by the end of the 12 months. And if the full amount of the balance is not paid within those 12 months, the entire 12 months worth of withheld interest accrued is then added to the overall balance of the card. 
The problem is that if a consumer uses their card to make more than one transaction on different dates, Comenity does not apply the payments made to the most recently expiring offer, which makes it extraordinarily difficult for consumers to pay off their balances and avoid the huge interest fees. 

For example, if I make a purchase in XX/XX/XXXX for {$1000.00}, I need to pay off that {$1000.00} purchase by XX/XX/XXXX. And then if I make another {$1000.00} purchase in XX/XX/XXXX, it wont be needed to pay off until XX/XX/XXXX. 

The problem is that Comenity, when applying any payments made, does not apply payments to the most imminently expiring balance. So if I make a {$200.00} payment to my account, it splits that {$200.00} between BOTH {$1000.00} transactions and applies it to each. 

Mathematically, this makes it extraordinarily harder for a consumer to pay off XXXX XXXX expiring balance if the money that theyre sending in to try to pay off a promotional balance its expiring in a couple of months is instead being applied to a promotional balance thats expiring in several months. 

Whats worse, his Comenity does not explain this in any of their statements, nor explain how the money is split, nor explain how much money you need to send in an order to get something actually paid off in time. 

They very clearly do this intentionally, in order to deceive their customers, so the customers dont realize all the money theyre sending in isnt actually being applied to the most urgent balance. 

And of course thats done intentionally because Comenity wants to be able to charge customers their exorbitant interest rates instead of having customers pay off their balances on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Post moving out of apartment complex " XXXX XXXX '' on XX/XX/2016 owned by " XXXX XXXX '' i received an invoice due for charges obtained from cleaning or damages to the apartment. The charges where paid in full. XXXX still sent this debt to collections and i have left 5 voicemails and waited 5 times the time they promised i would hear back in. There is no way to get a hold of the company. i have also emailed them through there website as well as the manager and regional manager and still no response. 
This has now made it ( so far ) impossible to rent another place even with perfect rental history and verification. I would like this to be removed from my credit. It should have never even made it to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of accounts/items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$480.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXXXXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-12-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
All of the information that shows on studentaid.gov is up to date, balance {$0.00}. I do not have a XXXX account. 

Thank you

Company response to consumer: Closed with explanation