BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-26
Company: Minto Financial dba Minto Money
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
OnXXXX XXXX I had got a loan from them and I was approved {$500.00} but I been making payments, but its saying that I owe them almost {$3000.00} which is too much and I been trying to call them and tell them that I cant afford that right now because I should just be paying the {$500.00} I had got approved for not {$3000.00} thats not what I got approved for so they tried to scam my mother with this same issue she only got approved for almost {$300.00} then they wanted her to pay {$1500.00} for an installment loan so I want to cancel this loan and get my money back because this is ridiculous I cant afford this loan right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2022 my account was charged through a company called XXXX and I did not give them permission to they had went through my paypal account to then charge my bank account which is connected to XXXX. My account then went overdrawn that day and I went in the negative - {$17.00} after just fixing my account positive XX/XX/XXXX. I did not know this company did this to my account until I relooked over my account on my cellphone Fifth Third Banking App, once I noticed I contacted the bank which was on XX/XX/2022 and they stated they would not charge my account more than two overdraft fee. Then I wound up with three charges of overdraft fees to my account. I then went to a Fifth Third Bank Branch to discuss further because the Customer Service on Phone nor Online could help with furthering my issue of being fraud and hacked by the XXXX company which I had contacted myself to get this resolved and my money back that they had stolen out of my bank through XXXX. I then was told that my MyAdvance that I had was taken from me because I was negative for more than 15days, but I was negative for only 7 days before I had the company return my money to my bank which at that time I had only been charged 2 overdraft fees a {$25.00} and a {$37.00}. I went back into the Branch to get my myadvance turned back on XX/XX/2022 then I was told thered be a request to get my myadvance back but it wasnt positive I would be able to get it back. I then spoke to XXXX XXXX over the phone and she told me that I would be contacted about what could be done then, so after being told that I was finally contacted again on XX/XX/2022 and was told I would have to open a brand new Checking account with them ordinary to claim this as a fraud and hacking done to my first checking account. After creating my new checking account XXXX XXXX said shed call me back once she heard something about my myadvance being turned back on and given me my full limit I had had before, here it is now XX/XX/2022 and I still have not received a call back from her. Today I called XX/XX/2022 and asked to speak to her and they tell me that she wont be available until Friday XX/XX/2022, then was told that my message could be relayed to the Manager, I asked to speak to the Manager but was told she was busy with another customer at the time and that I would have to wait to be called back from the Manager about this. I expressed I can not wait any longer seeing as I have bills I wanted to pay with my myadvance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Please help me with getting TransUnion to remove an illegal account from my credit report. The illegal tradeline in question is XXXX XXXX. The alleged account is illegal under The Florida Consumer Finance Act, Title XXXIII, Chapter 516.02 which states that a lender must hold a valid license to offer loan products in the state and any loan contracted or received, wherever made, without a license is INVALID and UNENFORCEABLE under the law. It has been validated by the FL Department of Business Regulation and the FL Attorney General that XXXX XXXX does NOT hold a license to offer loan products in Florida. 

I have disputed this tradeline with TransUnion multiple times and provided all legal information, yet they refuse to remove it. Each time I am told that they have " Validated the debt with the creditor '' which is simply not possible as I have also requested this from the creditor and was told they can not validate as the account has been sold elsewhere. When I asked for evidence of their legal ability to offer loans in FL I received the attached response which validates nothing. Just another refusal to validate. I have asked repeatedly for TransUnion to verify the legality of the account and they simply close the dispute with no investigation. This account is illegal and TransUnion continuing to report it is a violation of the Fair Credit Reporting Act. 

The FCRA requires credit reporting agencies to remove invalid information from credit reports. The Florida Consumer Finance Act renders this tradeline invalid by law. TransUnion remains the only CRA that has not removed this tradeline. They must remove it or remain in violation of the FCRA.

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 2022-12-19
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
credit bureau keep reporting inaccurate information on my credit file. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX Acct # : 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 an account without my written instructions.

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 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 explanation
Consumer complaint received 2020-08-18
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I contacted my current mortgage servicer Mr. Cooper in XX/XX/2020 about obtaining a forbearance due to Covid-19. I was granted that Forbearance and later found out Mr. Cooper reported me 30 days late in XXXX and XXXX. I have tried resolving the issue directly with them to no avail. This has significantly impacted my credit ability to borrower. I need your assistance getting these late payments reversed. I paid my mortgage current and have never been late on a payment in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: AES/PHEAA
State: MI
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 am currently working for the XXXX XXXX XXXX, and my loans are being serviced by Fedloan Servicing. I am working towards public service loan forgiveness. After receiving a statement regarding my payments, I asked for a detailed account summary. In short, over 3 years of payments are being labeled ineligible for the stated reason of payment not in full. Yet, the summary shows that I did make the exact payment amount and the majority of the time, I was on auto pay. Additionally, they are claiming a missing payment for XX/XX/2014, yet the prior servicer 's records show I made that payment. They now claim, the payments were " outside the window. " A cursory review of the account shows they are lying and prolonging my repayment. Those payments should be labeled as qualifying payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020 I was scammed on a Best Buy Website when trying to access the Geek Squad service. The scammers bypassed the actual chat box using their own in its place. The scammer logged into my computer with fake Best Buy credentials and then claimed there was a problem that need to be fixed. He asked me to order some items using my Best Buy card. At that point I was starting to realize that I was being scammed, however, this person had access to my computer so I did as he asked so as not to alert him that I was suspicious. He was supposed to contact me the next day, and I assume was going to threaten to destroy my computer if I did not provide the gift card information. After that call I contacted the credit card company cancelled my account since I was not sure this person had the card info. A fraud specialist contacted me and when I asked her what to do with the gift cards when I received them she told me to destroy them which I did. Now the credit card company is denying my claim saying that I benefited from the transaction. While I did receive the cards, they were destroyed based on information received from their representative. Therefore I do not feel that I should be responsible for the {$400.00} in charges.

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 2023-10-02
Company: United Shore Financial Services, LLC
State: CA
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 am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to UNITED WHSLE MORT XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
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: Their investigation did not fix an error on your report

Complaint:
I do not own this debt and demand that you immediately delete the accounts from my credit report I have never received any verifiable proof that this account is mine and according to the FCRA each account must be verifiable, timely and accurate!!! 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 XXXX7****

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 2019-05-28
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: Account information incorrect

Complaint:
XXXX is still appearing on all three of my credit reports although the balance has been satisfied. It still shows as an open loan with the full amount due and that is incorrect.

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 2023-10-02
Company: Experian Information Solutions Inc.
State: VA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account needs to be investigated and corrected for erroneous reporting in the file listed on my credit report. 
XXXX XXXX XXXX XXXX  : {$480.00}

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 explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX, I called XXXX XXXXXXXX XXXX and enrolled my credit card in their Coronavirus XXXX XXXX ( enrollment screenshot attached ). Enrolling in this program meant that I would not need to make a payment for two billing cycles. However, a late payment was reported in error to TransUnion regarding my XXXX XXXXXXXX XXXX credit card in XX/XX/XXXX. 

Ive disputed this late payment with XXXX XXXXXXXX XXXX and TransUnion multiple times in XXXX and XXXX. I sent my first dispute letter to TransUnion in XX/XX/XXXX. They investigated the dispute, but did not remove the late payment from my records. 

In XXXX of XXXX, I sent a dispute letter to XXXX XXXXXXXX XXXX and received a response dated XXXX XXXX ( response attached ). In their response, XXXX XXXXXXXX XXXX stated that if I had an issue with how my account was being reported, that I could dispute the information directly with the consumer reporting agencies. 

I then mailed out more dispute letters to TransUnion in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( USPS signature receipts for last two disputes attached ). These disputes resulted in one credit bureau correcting the late payment error ( XXXX ), but TransUnion still shows the incorrect information ( late payment on credit report attached ). 

My partner was diagnosed with, and passed away from, having XXXX at the end of XXXX. So, needless to say, I was not focused on disputing this error further in XXXX. However, I am now trying to correct this false information once again via this complaint. 

I feel that it is immoral that XXXXXXXX XXXX XXXX offered enrollment in a relief program during one of the toughest times weve experienced in recent history, and they are not honoring the parameters of that program. I also believe that TransUnion is being negligent in their refusal to remove the late payment error. This incorrectly reported information has, and continues to, affect me negatively. This is a violation of the Fair Credit Reporting Act, and this disputed information may not appear on 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 2023-07-03
Company: Experian Information Solutions Inc.
State: FL
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 am writing this letter on my behalf to request the prompt removal of the extended fraud alert that is currently on my credit report. I have attached the necessary documents, including proof of my identification, proof of address, and proof of social security number. Please take immediate action to remove the fraud alert from my credit report. Thank you for your attention to this matter.

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 2020-08-17
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
First Citizens bank ran a promotion back in XX/XX/2020 for new customers to qualify for a {$300.00} bonus upon meeting certain requirements detailed below Earn {$300.00} when you open a Free checking account bundle and complete the following requirements : - Establish a direct deposit of at least {$1000.00} per month or make 10 debit card transactions within 90 days of account opening - Enroll in eStatements - Open a new savings account I can confirm that I opened both checking and a savings account with them on XX/XX/2020 and have met the requirements to qualify for the bonus by receiving deposits of {$1000.00} through direct deposit from my employer. After following up with the bank a few times about the bonus, they have not yet credited the bonus and denied crediting it. I believe I am entitled to receiving the bonus based on the terms listed and need your help in this regard.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-02
Company: National Credit Systems,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:
In the previous complaint that was filed against this company, in the company response they clearly stated : NCS has closed the account. We are no longer pursuing recovery of this account, and will request that any credit bureau listing made by this agency in connection with this account be removed accordingly. But this company is still sending me letters attempting to collect the debt and also the account was only removed off of experian and still remains on XXXX and XXXX. The only thing thats changed on XXXX  and XXXX is the status was updated to current and that shouldnt be!

Company response to consumer: Closed with explanation