BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX, Transion Union, XXXX All 3 of these Companies are displaying in Correct info on my Credit Reports and is causing me to not receive services from buisness i wish to do buisness with.

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 2019-06-17
Company: TD BANK US HOLDING COMPANY
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
TD BANK USA/TARGETCRED is the creditor Ive been having issues with. There is a 30 day late pay that stems back from XX/XX/XXXX that is the cause of my complaint. I have had my account with them on autopay since my account begain in XX/XX/XXXX. Target says there was an issue with my autopay account yet my account has not changed since I first opened the card. I was told my autopay didnt go through yet I received no notification on that and to this day I have been using the same form of payment for auto pay. I have been contacting Target for 3 years no with no response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: OneMain Finance Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
To whom it may concern : I have had a regular amortized installment loan through One Main Financial ( XXXX XXXX, Illinois ), for approximately {$7500.00}, for about 2 1/2years. I subsequently requested to refinance a little over a year ago, in order to pull additional funds out, and was advised by the loan representative that all terms would remain the same throughout the life of the loan. After a little over a year of paying $ XXXX  monthly ( automatic withdrawal ), approximately {$6000.00}, I realized that the outstanding principal balance had only been paid down by approximately {$450.00}. Needless to say I was shocked and reached out to the branch immediately on XX/XX/2021. I spoke with the branch manager and was advised that the program the loan was initially under was changed from a typical amortized loan into a Daily Simple Interest ( DSI ) loan. The aforementioned program/product ( bait and switch ) was never disclosed by the loan representative at the time. Disclosures were signed under the impression that all items remained the same, as stated by the branch representative. These types of business practices are the epitome of Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) and Fair Lending/Servicing violations in which " significant '' financial injury was caused for monetary gain by the institution. Please conduct a thorough investigation into these entities, which are basically stealing from hard working citizens, and switching consumers into loan products similar to a payday loan. A formal complaint will also be filed with the XXXX, State Attorney General, & FTC as well as commencing litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Moiharwin Diverisfied Corporation
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company contacted me XX/XX/21 at XXXX from XXXX ( XXXX ) XXXX. The representative addressed me by my first name and did not verify any information before disclosing any potential debt. She stated she is calling about the debt owed to XXXX XXXX XXXX XXXX Nevada. I stated that I owe no such debt and to mail a verification letter to my mailing address. The representative accused me of owing the debt and stated the debt has been verified. I disconnected the call. 
This representative is pursuing me for a debt I 1 ) do not owe and 2 ) didnt have my complete identity to disclose the nature of such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: OneMain Finance Corporation
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Issue - There was a Violation of Contract Law resulting in Contract fraud due to lack of providing full material disclosure as required by the TILA ( Consumer Credit Protection Act ) therefore there is a Billing Error that needs Resolution ( 12 CFR 1026.13 ) And as a result of the above, we request full accounting per GAAP as set forth in the Uniform Commercial Code that shows the accounting, and any credits related to the account to ensure that there has not been any credits issued to any persons without their knowledge but have not been appropriately reflected or disclosed, against any account, prior to continuing to make any payments, that way we know the specie in which any agreement, or promissory notes were converted to so we can make payment in that same specie. 
PURSUANT TO 9-210. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT. - This was originally requested on XX/XX/2022 and has still not been provided. 

12 CFR Part 1026 - Truth in Lending ( Regulation Z ) : 1026.4 Finance charge. ( b ) Examples of finance charges. The finance charge includes the following types of charges ( 1 ) Interest, time price differential, and any amount payable under an add-on or discount system of additional charges. - You violated Regulation Z by not including the sum of all charges in the Finance Charge As a result of your failure to provide me with the full accounting details, this agreement is considered fraud in the factum. 15 U.S. Code 1692e - False or misleading representations Opportunity to Cure 1. Rescind the transaction 2. Release any interest in the property 3. Bring this account balance to {$0.00} 4. Return title of vehicle 5. Lawful return of all past and prior payments made in the sum total of {$15000.00} within 7 days If you fail to respond in good faith and according to the above criteria, it will be deemed a tactic by your acquiescence that no offence took place and that all parties to mean you and your principal or other parties abandon all demands upon me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate and are damaging my credit score. Upon reviewing my credit report, I found several violations of FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, and FCBA. Specifically, I am disputing the following accounts : XXXX XXXXXXXX : Account Number XXXX This account was reported as a late payment, which is inaccurate. I have never missed a payment with XXXX XXXX and have always made payments on time. This report is in violation of the FCRA. 

XXXX XXXX XXXX : Account Numbers XXXXXXXX XXXX XXXXXXXX These accounts were reported as charge-offs, which is also inaccurate. I have never received any notification from XXXX XXXX XXXX regarding any delinquent payments or charge-offs. This report is in violation of the FCRA and FDCPA. 

XXXX : Charge Off Account I do not recognize this account and have no knowledge of it. I believe this account was opened fraudulently, and I am disputing this report as a violation of the FCRA and FACTACT. 

XXXX XXXX : Account Number XXXX This account was reported as a charge-off, which is inaccurate. I have always made my payments on time and have never received any notification of delinquent payments or charge-offs from XXXX XXXX. This report is in violation of the FCRA. 

XXXX - XXXX XXXX : Account Number XXXX This account was reported as a charge-off, which is also inaccurate. I have never received any notification from XXXX XXXX XXXX XXXX regarding any delinquent payments or charge-offs. This report is in violation of the FCRA and FDCPA. 

I am requesting that these items be removed from my credit report as soon as possible. I am also requesting that you provide me with written confirmation of the removal of these items and a copy of my updated credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Experian Information Solutions Inc.
State: UT
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2021, I tried disputing incorrect medical bills on my credit report. They removed all medical bills on my report except for one. I added new information and tried disputing the medical collection again because the collection company, XXXX. XXXX, XXXX, is refusing to provide an itemized bill in order to verify the amount the claim that I owe. Experian will not allow me to dispute this issue. The website claims that I have to submit new documents. I submitted new documents but it still will now allow me to dispute the medical bill.

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 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 XXXX XXXX XXXX Showing Past Due on a closed account and getting notification for late payments. Past due balance on all 3 reports inaccurate XXXX {$66000.00} {$66000.00} . How can I be late on a close account. REMOVE ACCOUT FROM REPORT. Date of last active on the account inaccurate Trans-XXXX, XXXX, XXXX. Only lived at XXXX XXXX XXXXXXXX XXXX, OK 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 2021-01-20
Company: SYNCHRONY FINANCIAL
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have an PayPal credit account I which I started back in XX/XX/XXXX. I purchased 4 coats from XXXX totaling {$300.00} to {$400.00} dollars well they have an money back guarantee and so does PayPal in other words if your unable to get your monies back from ebay you can then reach out to PayPal and they would start an claim. I went back and forth with the seller on eBay and just decided to start a claim. I was advices by PayPal to returned all three items that was sent to me and once shipped I sent proof of shipping and tracking to XXXX the sellers as well as PayPal as instructed. I had to pay {$52.00} each for two of the coats that totals {$100.00} that the seller suppose refund as well and {$35.00} for the third with a promise to receive all shipping fees once items has been received This all happened back in XX/XX/XXXX so now being it was shipped back to XXXX somewhere and the COVID happened Ive been trying to track my packages that I shipped back and been trying contact eBay and PayPal for assistance but could never reach anyone. So its XX/XX/XXXX I finally get to speak to someone at PayPal for them to tell me they dont see the transaction in my account but I still a balance that I have to pay for the 3coats no monies have been returned to my account and I know they received their items. So I dont what to do because Ive been paying off my account for a year and the balance is still the same. Ive paid {$140.00} last month and no lower balance

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 2021-01-08
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
During my service in the United States XXXX, I sustained a injury that grew to be more significant. I fell during a dismount patrol in XXXX in XXXX. We were on a small COB with no xray equipment. All medical personel who treated me thought that it was just aXX/XX/XXXXI had fell and myXX/XX/XXXX was stuck in a position on my rifle and when I fell, It was on top of it with my XXXX bulletproof vest. Fast Forward to XX/XX/XXXX. After a couple sharp pains in my XX/XX/XXXXwhile picking up items, we went got it XXXX XXXX. The found a gap in my XX/XX/XXXXwhich is the foundation of your wrist. I let NFCU know about it and that it would hurt me financially because the XXXX was rushed. I asked for other payment options from the representative but the only answer given was " To keep them informed because there was no other options, this continued into XXXX which was a nightmare. The first XXXX didnt work due to error from a dr from the VA and they had to go back in. they were taking XXXXXX/XX/XXXXfrom different sites trying to repair it which was painful. I was in and out the hospital all XXXX due toXX/XX/XXXX from all the different sites and had to get hospitalized due toXX/XX/XXXX from all the XX/XX/XXXX. All of these times this bank is reporting late and I was never given a forebearence or any other options. It sincerely saddens me that NFCU never listened marked late payments and completely deteriated my credit. Veterans like myself come back from serving with injuries sustained physically and mentally and since NFCU is a veteran focused financial institution I would think they would understand the fight that we face returning back to the states. I gave notices and was fighting for my light sometimes during XXXX. My surgeries did not end until XX/XX/XXXX when I received XXXXXX/XX/XXXXin my dominant XX/XX/XXXXnow that I can not move and does not have any range of motion. I think this injury does give me enough XXXX and XXXX. NFCU should consider correcting my history due to I was hospitalized and in and out of my house. If I was the only person I was taking care of I would not of been late but I have XXXX children and between me being hospitalized and unable to provide, making sure my children can eat was the only reason I was late to ensure their fed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: JPMORGAN CHASE & CO.
State: NJ
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:
Three charges were on my card back in XX/XX/2021 for XXXX. Merchants were XXXX and XXXX. I do not know the latter merchant, but either way, I did not make these charges. The funny thing is that I dont even have a XXXX account. Called my bank to discuss the situation with them, and they said they found a XXXX account with my name on it, but all the other details ( email, address, SSN, etc ) were all different. Its possible someone else with my same exact name has a XXXX account since there are people with my exact name, and I explained this to Chase ( my bank ). They do not seem to understand my issue, and tell me I need supporting documentation. And I tell them how can I provide documentation for something I do not have? They tell me they cant help me unless I do that, and I will not get a refund for these three charges on my credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-26
Company: AES/PHEAA
State: PA
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:
PHEAA/AES continues to improperly report information based on their own internal policies while ignoring what the Consumer Laws dictate with respect to reporting information to the Credit Bureaus XXXX 

I have had conversations with PHEAA agents and when I explain to them that this behavior has the potential to generate fines against the agency, the PHEAA agents pretend to act like what I'm telling them is not correct and that their agency could never do anything like this ( WITHOUT INVESTIGATING MIND YOU ). Agents who I've spoken with over the phone most of the time sound as though they are completely new, incompetent, careless, eating while on the phone, having a bad day and taking it out on the consumer who just wants legitimate answers instead of 1st grade reading level answers, or even people who get upset when I ask why they're having a bad day. CFPB Reps, you should hear some of these agents on the phone. I'd be interested to know how many of them actually abuse controlled substances in the workplace. 

PHEAA has openly admitted multiple times to me that the payments that are made through their online portal ( with the use of a valid checking account ) would take 2 business days to process. When I ask them if they consider the payment paid on the date it was submitted, they claim no. When I ask them what would happen in the event that this action occurs right as the month ends, they admit to reporting inaccurate credit information, and that if they do and find that the payment was posted on the day it was submitted after their 2 day processing threshold, that they would reach out to the Credit Bureaus to fix the mistake. This means that they are violating the law. The agents who respond to this are also violating the law by allowing the reports made by consumers to go un-investigated as clearances require oaths. Financial Entities can not just misreport information to the Credit Bureaus because of their own policies that contradict statutes set forth by the US Government. 

Again, PHEAA acts like these complaints I make against them are ridiculous, as they've stated in the past. Unfortunately, these complaints are necessary to keep the company accountable. As of this complaint, the company still refuses to act appropriately when responding to complaints by failing to provide all information to every single aspect of a complaint. PHEAA selectively answers only some questions while completely ignoring others.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-09-10
Company: Maximus Education, LLC dba Aidvantage
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account is not mine. I was apart of a data breach in 2008 with someone using a similar name to take out student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: PENTAGON FEDERAL CREDIT UNION
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Dear CFPB Representative, On XX/XX/2023, I received a letter in the mail from Pentagon Federal Credit Union ( PenFed Credit Union ) with a pre-approved Credit Card offer with 15 months of 0 % interest for balance transfer. I decided to apply for this offer and fill out the information and file online. My member number with PenFed Credit Union is # XXXX. 

My XXXX XXXX is over XXXX which is considered very good or excellent credit. However, despite being pre-approved with an excellent credit history, PenFed Credit Union denied my application, alleging bad credit experience, occurrence of severe derogatory event and Insufficient credit history. All of these allegations from PenFed Credit Union are totally false. I have an excellent credit history and NEVER had a derogatory event on my credit score. I consider this a XXXX act on the part of PenFed Credit Union. 

Furthermore, in my PenFed Credit Union account appear with double application, which affects my credit score. 

I request a complete investigation of this XXXX act and the removal of the double application from my credit history. 

Thanks, 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 2021-01-07
Company: EQUIFAX, INC.
State: LA
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 Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I am very disappointed.

Company response to consumer: Closed with explanation