BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-17
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$800.00}

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 2023-03-05
Company: Experian Information Solutions Inc.
State: NY
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$800.00}

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 2022-07-24
Company: EQUIFAX, INC.
State: FL
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:
A person who pays off their credit cards in full every month and does not carry any balances is a much better credit risk than a person who does not have enough money to pay off their credit card balances. 
Here is the problem. Many people use their credit cards for everything they can, say for airline points or convenience. They get their credit card statement and pay the balance in full every month. Or they set up full balance automatic payments. You would think they would be a low credit risk and have a high score. Most of them do have a good credit score but it is lower than it should be. 
This is because the credit card companies report the balance at the end of the billing cycle to the credit bureaus. If you had a {$1000.00} balance on your statement and paid it in full the day after your statement cycle closed and then had a {$0.00} balance, you are scored the same as if you were carrying a {$1000.00} balance from cycle to cycle and paying interest. 
On the other hand, if you check and pay your balance online two or three days before the statement closing date ( not the payment due date ), your balance will be reported as {$0.00} and your credit utilization ratio will be very low and your credit score will be higher.

I have tested this on my own and found that my score was as much as 15 to 20 points higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, I got a new phone number. I tried to open an account with Venmo, but their system had a bug that was asking me to log in with the previous user 's account... Aside : I think it may have been possible since the customer support was not aware of this bug. I found another bug or two in their system and helped em fix it.

I needed to use Venmo fast for living expenses so I signed up with an old phone number that was going to expire soon since customer support ended up giving me 31 support emails on this bug and how to fix it ( I'm a software engineer ). 

Now, despite me giving them technical support how to fix their system, knowing I entered bank account info, and more, they were unable to transfer my account from my old phone number to my new number. I can not log into Venmo, and their customer support will not help me. Now with my old phone expired, they have banking information of mine, and I can't log in and customer support will not help. 

They're beyond giving me the run around at this point which is actually ironically funny since I actually helped them debug and fix their system in the customer support emails, but they will not give me even basic customer support to transfer the account... I help them, they give me the run around like they're deliberately trying to annoy me... Isn't illegal to keep someone's banking information on file against their will? On top of this, I am not confident they fixed their system so if someone gets my old recycled cell phone number, they possibly could get my banking info. 

To me this is egregious in terms of philosophy. They wasted over 10 hours of my time, and I was unable to get the financial help I wanted from a friend, and that's just fine... But really ... to not let me transfer my account or even cancel it even after I helped them considerably? We live in a world redefining the world thank you. 

Anyway, take care guys, I don't know if this will even reach someone, XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18
Company: HYUNDAI CAPITAL AMERICA
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
TOPIC : a ) KIA FINANCE AMERICA denied my loan application. Why are they telling me that Im 3 months behind in car payments? 

b ) Without my permission, why did XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, send my loan application to XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, Application Number : XXXX, Dated XX/XX/XXXX, for the XXXX XXXX XXXX? This loan application was also denied! 

c ) I have called XXXX XXXX, and KIA FINANCE AMERICA XXXX or 6 times, concerning the loan for the XXXX KIA XXXX that is on my credit report and why they refuse to have it remove, because XXXX KIA has the XXXX KIA XXXX, and KIA Finance America denied my loan. The response I get from them is They are not responsible for removing anything off my credit report. 

d ) I have all the documents that prove everything XXXX saying. These XXXX companies are committing XXXX XXXX and damaging my credit history. 

XXXX ) On Friday, XX/XX/XXXX, I was at XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX, to purchase a XXXX. After talking to XXXX XXXX XXXX, XXXX, about what I need the XXXX for, he convinced me to purchase a XXXX XXXX XXXX. I did explain to XXXX XXXX XXXX that my XXXX XXXX is not XXXX or higher, but he assured me that does not matter. 

XXXX ) XXXX XXXX XXXX ran my XXXX XXXX and told me that I was right about my XXXX XXXX, but he was going to talk to XXXX XXXX XXXX, XXXX, to get his approval for the sales. 

XXXX ) XXXX XXXX XXXX returned and told me if I want to get the XXXX XXXX XXXX ( XXXX ), I must do the following : a ) Return my XXXX XXXX XXXX to Drive-Time, because I can not afford XXXX car payments, and beside I would get a better XXXX. 
b ) If I decided to keep the XXXX XXXX XXXX, I would need to put a down payment of {$4000.00}. I listen to XXXX XXXX XXXX, and returned the XXXX XXXX and I did not have to pay a down payment. 

XXXX ) I was told that since the lender ( KIA FINANCE AMERICA ) will not approve my load until Monday, XX/XX/XXXX, XXXX XXXX XXXX, XXXX, wanted me to fill out and sign all documents, and then I could XXXX XXXX the XXXX XXXX XXXX over the weekend. But I had to put the XXXX on my insurance policy first. So, I did. 

XXXX ) Once approved, the dealership XXXX XXXX will sign the documents and back date them. Then I will get a signed copy of the Sale Contract. 

XXXX ) That did not happen!! I went back to the dealership and XXXX XXXX XXXX told me that the lender, KIA FINANCE AMERICA, denied my loan application. 

XXXX ) XXXX XXXX XXXX told me not to worry because he has another XXXX that I could purchase. It was a XXXX XXXX XXXX. I did look at it, and since they took the XXXX XXXX XXXX, I told XXXX XXXX XXXX that I wanted it. I was told that I needed a {$4000.00} down payment. I refuse to pay and left both the vans at the dealership.

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 2020-06-17
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom It May Concern, The reason for my dispute is ENHANCED RECOVERY COMPANY # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, ENHANCED RECOVERY  COMPANY failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) ENHANCED RECOVERY COMPANY failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violationENHANCED RECOVERY COMPANY is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where ENHANCED RECOVERY COMPANY is in compliance with OHIO LAW. I  also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX  has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted Evergreen professional on XX/XX/20 to verify a debt they say that I owe them. However they have not responded to my request. 

I called them on XX/XX/20 and they were not straight forward with me at all.

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 2023-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/, I deposited a check from my employers 401k administrator into my checking account and noticed on the receipt that the funds may be held till XX/XX/XXXX. Surprised, I called BofA re this lengthy hold on the much needed funds. While speaking to BofAs representative I opened my account details via the banks mobile app and noticed the funds would be available the next business day. On the next business day, the funds were present and used to cover charges but then suddenly the funds were removed from the account with a new hold for several days. Confused, I called BofA again and was told the funds arent available because BofA was not able to cash the check or that the funds were not available from the issuer. I called the issuer who confirmed funds are available and that BofA did not try to cash check yet. So, I waited a couple days and looked for the funds. Still on hold. I called the issuer again and was told that BofA has indeed cashed the check at XXXX  MT on the XXXX of XXXX. With this info, I called BofA again to see if the funds could be made available. The two representatives at BofA I spoke to today said they can not release the funds. The supervisor stated that the funds are not in BofAs possession but are at an automated clearing house. I expressed concern that : a ) the funds were available but then made unavailable and b ) BofA is not in possession of my money and can not tell me where it is. This doesnt make any sense. At the end of the day, this is my money and need it to help cover medical expenses for a serious medical condition which Ive needed to postpone until funds are available.

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 2022-07-24
Company: Tally Technologies
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I had registered for tally line of credit and added a unsupported card on my account to get the tally limit but I never expected tally to make an payment to my card due to it being unsupported plus the payments being made were set as " you pay '' tally made the payment without my authorization but I'm trying to get the cardholders company to return the payment to my tally account but it is taking longer than usual and tally is reporting the account as late payments on my credit report... 

it is not my responsibility to correct their mistake but I have tried to get them to get the money back because I never authorized it but they refused to help me again and again.

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 2023-09-01
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Fees or costs after closing

Complaint:
See attached docs for dates. I am owed {$420.00} from escrow from 2019. They sent this letter to my old address and luckily the guy who bought my house called me and sent it to me. I have reached out via email and phone number to try and resolve this matter and I sent the letter via mail back to loancare. They have not done anything about this and I have received no response over a month later. They are scamming people and withholding funds due to customers with no interest paid.

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 2023-03-01
Company: Experian Information Solutions 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:
XXXX, XXXX, and Experian is reporting a Authorize user account on my profile that I did not authorize and I need to have this removed from my consumer report immediately.

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 2023-04-20
Company: TD BANK US HOLDING COMPANY
State: OH
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I worked with TD Bank for months to resolve a disputed transaction dating back to XX/XX/XXXX. It required countless calls, faxes, and follow-ups to them to get the situation resolved. On XX/XX/XXXX, they issued a provisional credit to my account in the amount of {$58.00} labeled XXXX XXXX. This is shown in the attached statement for period ending XX/XX/XXXX. On XX/XX/XXXX, TD Bank mailed a letter ( attached ) indicating the review of the dispute had been finalized, and the provisional credit previously issued was to be final. On the statement for period ending XX/XX/XXXX ( attached ), there was a charge on XX/XX/XXXX for {$58.00} labeled XXXX XXXX. On XX/XX/XXXX, I called their customer service department to inquire about the charge. The representative confirmed that the dispute had been resolved in my favor and there was no reason for a reversal to be processed. She indicated that I would be re-credited the {$58.00}, and it should hit my account within five days. As of XX/XX/XXXX, the credit has not been issued.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-24
Company: Ascendium Education Group
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company is attempting to collect a disputed debt that is presently being investigated by the FL Atty General and several other entities. This is related to a XXXX student loan, which I have also filed a complaint against with you, due to their repeated violations of the Fair Debt Collections practices Act ( by disregarding 2 cease and desist letters issue to them ). In addition to XXXX continuing collection calls, they have turned this disputed account over to Ascendium Education Group in an effort to collect and harass me about this disputed account. They called me repeatedly - 11 times on XX/XX/2022. This is clear violation of debt collection laws and needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On my Wells Fargo account, whenever I buy groceries at XXXX online, XXXX puts the cost of the items on a hold status in my account to ensure the funds are available. This is a standard business practice. Wells Fargo refuses to update their transaction processing and debits the amount twice, especially when I am low on funds so they can collect an insufficient funds charge. I have complained about this practice 4 times to their escalation department and even in person at their local branch. Every time I am promised an answer and never receive an answer. All they say is " there are no laws concerning how fast or accurately they process transactions. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, 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:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I have attached my FTC complaint and Police report which I filed on my local Police Department. I am in desperate need of this item to be INSPECTED and REMOVED. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was behind in my mortgage with Citibank at the end of XXXX due to temporary loss of income, I talked to them about a loan modification and they put me in a plan. I offered to make partial payments and they asked me not to, that they wouldn't take it. 

The waiting period was for many months, in the meantime they put me in foreclosure proceedings, while they were waiting for the underwriter to make a decision on my modification. At all times they told me to do not worry, that the foreclosure was normal while this process is in the works. 

Eventually in XX/XX/XXXX they modified my loan and ended my foreclosure proceedings. 
I was elated. A few months after they sold my mortgage to XXXX XXXX. 
Since then I've been able to keep my mortgage in good standards. 
Fast forward to XX/XX/XXXX, I am trying to refinance my mortgage with XXXX XXXX, they have been very helpful, I fully qualify for it, but they explained to me that they can not refinance until 3 years after my foreclosure proceedings, and they informed that my loan modification with Citi was for 37 years instead of 30. 
I know Citigroup had other ways to modify my loan and still make a profit, but they chose to do it putting me in foreclosure proceedings and extend grossly the term of my loan to maximize their gains. 
I find this actions despicable. Now I am not able to refinance as soon as I need to, and I was lured to a loan that was not clearly explained to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit repoXXXX 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 response to consumer: Closed with explanation