BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-07
Company: Bay Area Receivables, Inc
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Effective XX/XX/2022 the time period before an unpaid medical collection debt would appear was increased from XXXX XXXX to XXXX XXXXr per XXXX credit reporting agencies. XXXX XXXX has put XXXX collection unpaid medical collection on my report XXXX and XXXX these were only XXXX XXXX  old and should not be on there this has dropped my score XXXX points. On top of that i have XXXX XXXX  and they should XXXX XXXX not me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Id XXXX Pcp information None selected electric payer ID XXXXXXXX XXXX XXXXXXXX XXXX XXXX. All this information was given to them. I want this removed off all XXXX credit reports as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11
Company: WELLS FARGO & COMPANY
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Wells Fargo is refusing to acknowledge they received payment from XXXX XXXX XXXX for my Gap coverage. My car was totaled before XXXX XXXX and my loan is still not closed. The dated check for the GAP was sent to Wells Fargo on XX/XX/XXXX in the amount of {$2000.00} and XXXX XXXX XXXX has record of Wells Fargo cashing that check on XX/XX/XXXX. Wells Fargo is saying g they never received payment. I've been turned down continuously while attempting to get another vehicle so I have transportation to work. Almost 2 months later my loan is still open and I desperately need to get another car and because of this issue, I can't.

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 monetary relief
Consumer complaint received 2021-08-23
Company: Experian Information Solutions Inc.
State: AL
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 have been disputing a bankruptcy showing on my report for years. XXXX  and Experian refuse to investigate and provide verification on who they spoke with to obtain the information used to verify this bankruptcy as belonging to me. I have mailed XXXX and Experian documents relating to the bankruptcy, proving that the bankruptcy should not be shown on my credit profile. They refuse to remove it resulting in my credit profile suffering tremendously. XXXX and Experian also refuse to remove inquiries on my profile that were not authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I've sent a dispute letter over 30 days ago asking each bureau to investigate inaccurate reporting. I sent the following disputes for each account on XX/XX/2021. ( U.S. Department of Education ) ( XXXX XXXX ). Failure to remove these accounts have hurt my credit. According to section 617 civil liability for negligence noncompliance is any person who is negligence in failing to comply with any requirements imposed under this title with respect to any consumer is liable to the consumer in an amount to the sum of any actual damages sustain by the consumer as a result of failure to comply. It has been over 30 days and also I've ask for all supporting documents verfiying this alleged debt which was given each bureau 15 days to send supported documents which they have failed to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
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: Investigation took more than 30 days

Complaint:
THIS IS NOT AN UN-AUTHORIZED THIRD PARTY. I am making this complaint on my own there is no third party involved. 
This complaint is about me getting taking advantage of due to malpractice of while several laws are being broken under FCRA by your company. This has caused financial injuries on my credit report. 
Its caused me Defamation of character. I am unable to get a job, get approved by credit card companies, or buy a house. 
I have tried serval times to apply for loans such SBA loan, but due to the pandemic under this crisis you have hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX  It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I appreciate your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$9000.00} ; XXXX XXXX XXXX XXXX XXXX : {$6500.00} ; XXXX XXXX  XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$11000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2023 ; XXXX  XX/XX/2023.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12
Company: Eastern Account Systems of Connecticut, Inc.
State: IL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX I received an email from my credit monitoring saying that an account was placed in collections. I had no info so I called the collection agency to find out what it was. It showed for an account from XXXX for {$320.00}. I already have a current account with XXXX. So I would have no need for another. I called XXXX and they keep giving me the runaround. Wouldn't give information stating that I need to supply info to them. I sent them a copy of my DL that shows my address. It's the same address that I've had for 5 years. I was also told by the collection agency that my maiden name was listed on the account which is a name that I haven't used in 20 years. This account was opened from what I understand in XXXX. My credit history shows the addresses and names that I've used. The address listed on the account is not an address that's ever been affiliated to me. XXXX and credit agencies refuse to thoroughly investigate. Was also told by a XXXX rep that there was no SS # provided to open this account. This tells me that this was an inside job by a XXXX employee, opening up fake accounts. My address history is attached.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Denied credit application direct violation of 15 U.S. Code 1691 ( a ) ( 3 ) 15 U.S. Code 1691 ( b ) ( 3 )

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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Upon reviewing my updated credit report today, I felt so disappointed seeing those same inconsistent, incorrect and misleading entries that XXXX XXXX agencies has furnished on my files. I am requesting an immediate DELETION on these inaccurate accounts that these companies has added to the list of my credit history, as soon as they get to read this complaint and my letters. 

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 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 2019-05-02
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I submitted an application for a Discover credit card through their website on XX/XX/XXXX. As part of the process, they noted that they need additional information to approve the card and to confirm my identity, all of which is understandable. 

However, the information they wanted was a hard copy of my Social Security card, which was issued to me ( I believe ) in XXXX or so. There's no way that this helps them in their process, and I can't understand how many applicants would actually have a decades-old card that proves nothing. 

To add to the problem, they requested this information after they ran the credit check on my account - and will now send me a letter saying my application was rejected. 

( And I've been a customer of their banking side for a number of years. ) I've applied for a lot of credit ( including mortgages ) over my career, and I've never been asked for this information previously. 

Discover listened to my concerns and complaint but could/would not offer any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Complaint is in regard to Citibank XXXX XXXX XXXXXXXX ) credit card interest assessment. 

A balance of {$12000.00} ( APR 22.99 % ) which was due on XX/XX/2023 was paid in full, but two days late ( paid on XX/XX/2023 ), and was therefore correctly assessed an interest charge of {$360.00} on the following statement. 

The following statement balance, including the {$360.00} interest charge assessed, was {$11000.00} and was due on XX/XX/2023. This statement balance was paid in full on XX/XX/2023, six days before the due date. 

After paying the previous balance and interest in full prior to the due date, the current statement included an interest charge of {$310.00}. When I contacted Citibank to question how interest could be assessed on a balance that was paid in full and on time the previous month, they indicated that it takes two months for a late payment to stop accruing interest, regardless of a timely payment in full after the initial interest assessment. 

Upon request for a letter stating this banking practice and policy of Citibank, I was informed that they could not provide a letter, and that Citibank was within their legal rights to assess interest in this manner. This is not a banking practice that I am familiar with and defeats the purpose of preventing additional interest charges by paying the amount due, in full, prior to the due date. 

For convenience, I use my credit card for all personal transactions, and pay the balance off every month. I do understand the ramifications of a late payment in regard to interest assessed, but assessing an almost identical interest for two months in a row on a paid in full and on time balance doesn't seem to fit any model for consumer protection. 

Can provide detailed documentation upon request through secure link, but prefer not to attach below as part of this submission.

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 2022-03-12
Company: Radius Global Solutions 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 or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against RADIUS GLOBAL SOLUTIONS, LLC for committing identity theft. I have never given RADIUS GLOBAL SOLUTIONS, LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from RADIUS GLOBAL SOLUTIONS, LLC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If RADIUS GLOBAL SOLUTIONS, LLC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until RADIUS GLOBAL SOLUTIONS, LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and RADIUS GLOBAL SOLUTIONS, LLC continues its collection efforts, I will file for litigation for actual damages caused and RADIUS GLOBAL SOLUTIONS, LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : 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 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 non-monetary relief
Consumer complaint received 2019-08-07
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: Information belongs to someone else

Complaint:
To Whom It Concerns, I noticed an unauthorized charge to my bank account this morning, XXXX XXXX, 2019 XXXX XXXX XXXX, 2019 XXXX PAYMENT DEBIT EXPERIAN XXXX XXXX CA XXXX XXXX XXXX ). I authorized no one or Experian to open a membership with Experian. 

When I called Experian I was told it was for a membership that I opened in XXXX of 2019. They have been charging me since XXXX but because I have not had time to monitor my bank account regularly I did not realize I was being charged until this month. 

When I explained the fraudulent account opened in my name they canceled the account but refused to give me a refund. They said they are not responsible, they said to dispute it at my bank. 

Where do these people get the power to open accounts in my name and take no responsibility for the action? If this is legal then laws need to be changed. Experian and the other Credit Bureaus are out of control. 

I not only want a refund from them but I want to know how these people can get away with sharing my information with anyone they choose. 

Please advise and Include why they are not accountable to anyone. These people need to be held accountable. 

Sincerely, XXXX XXXX XXXX : XXXX PS : The so called membership they signed me up for is as follows. 
Membership ID # 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 monetary relief
Consumer complaint received 2023-11-01
Company: MOHELA
State: WY
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:
I tried to no avail to reach Mohela by phone several times. I've written them multiple times. I asked that my payment be applied to the unsubsidized portion of my student loan. I also indicated this instruction by writing it on the check they cashed. Mohela ignored me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In the process of trying to refinance my mortgage in XX/XX/XXXX, I was reviewing the details of my current mortgage with DiTech which is a HAMP. On the 3rd page of my trial period paperwork ( I will attach ) it states that I will receive {$1000.00} each year for 5 years for a total of {$5000.00} that will be applied to my principal balance each year after the anniversary date of the first trial period payment due date ( 1st trial payment was XX/XX/XXXX ). That 5 years would be XX/XX/XXXX-XX/XX/XXXX.This was never applied to my loan. I have contacted DiTech multiple times and have received many different answers from my HAMP originated with XX/XX/XXXX XXXX XXXX so it could be different to they needed a form back that was returned too late. None of which is stated in my paperwork of a form needed or my HAMP changing if the servicer changed. The 1st call into DiTech was on XX/XX/XXXX and the rep was very helpful in answering my questions and he sent an email to the appropriate department he said. A follow up call on XX/XX/XXXX with different answers saying I was no longer eligible for the incentive and was told to email them to request an exception. I emailed them the same request on XX/XX/XXXX and received an automatic reply. I called DiTech on XX/XX/XXXX and was told customer service had an extremely high call volume and I got to talk to someone but it ws someone who was helping out customer service and could not really answer my question. She did not see the email in my file that I had sent on the XXXX even though I had received a reply that DiTech had received it. She requested that I print my email out and fax it to them. I called back again on XX/XX/XXXX and talked to another rep who thought they saw a {$1000.00} payment but then transferred me to another rep who seemed very helpful and filed a request to research my incentive and lack of payment for it, but have still not received resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-18
Company: EQUIFAX, INC.
State: VA
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation