BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-15
Company: Atlanticus Services Corporation
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
In XXXX, my husband and I took out a line of credit with Fortiva Retail Credit through XXXX XXXX in XXXX XXXX, WI. We purchased furniture on the line of credit and were advised an annual fee of {$49.00} would be charged if we didn't cancel the financing after the purchase was paid off. 

We opted to keep it open just in case we wanted to finance additional purchases, but never used it. In XXXX, we received a bill for the expected {$49.00}. The terms indicate I could pay a minimum of {$30.00} and pay off the balance in XXXX months, but if I was late I could be charged up to {$41.00} in late fees. I mistakenly wrote the due date down wrong and did not pay it on XX/XX/XXXX as required. On XX/XX/XXXX I received a text message indicating the payment was late and a link to make the payment. When I went to the site, it didn't tell me the balance, only offered to pay via check or debit card. The charge was actually {$60.00}, not {$49.00} and there was no itemization. I assumed this meant my late fee was a reasonable {$11.00} and the balance was paid. This was because they took {$60.00}. 

Please Note : If Fortiva was taking the full late fee plus minimum payment, the charge would have been {$71.00} ; if they were taking the full balance plus the full late fee, the charge would have been {$90.00}. 

This morning, I received a call from Fortiva claiming I owed {$20.00} and could settle the full balance by phone. I explained this can not be correct because in no scenario would my balance be {$20.00}. It should be {$0.00}, but even if the {$60.00} had been the minimum payment of {$30.00} ( not paying in full as I thought ), that would have left me with a balance of {$19.00}, not {$20.00}. I proceeded to tell the man to cancel my line of credit. After the call I produced written requests to cancel to be sent to the correspondence and corporate offices. 

During the day I received two ( 2 ) more emails asking for a payment of {$60.00} and a payment of {$30.00}.

I have emailed the cancellation letter to Fortiva and informed them of my assertion that they are violating FDCPA regulations and to discontinue the collection attempts, as well as sending me proof the account was cancelled. 

Please contact me at ( XXXX ) XXXX or XXXX It is worth noting that I work in a law firm and have practiced consumer law for several years. I do not expect inequitable relief.

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 2023-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My parent plus student loan provider was recently changed by the US Department of Education from XXXX XXXX to XXXX. I did not request this change. The loan was transferred without my consent, apparently they can change providers as they deem appropriate. My score dropped XXXX points in one day due to the account being CLOSED. Ill get dinged again when the new lender reports a NEW account. This is not accurate reporting and the TransUnion credit score model is obviously flawed. Im being penalized for a decision the US Government made for me ; or their loan servicing providers did. There has been no change in the amount due on the loan. It was a loan serviced change only. Not a closed or new account.

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 2023-01-18
Company: CITIBANK, N.A.
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:
I was a victim of identity theft my phone number, cards social security number and other things was solid to someone on the dark web and I was a victim of security breach with reporting agency. I filed a report with the federal trade commission and let the credit bureaus and credit card company CBNA know and attached the report to my dispute. all but XXXX has not removed the cbna account from my report. I filed disputes attaching the FTC identity theft report and still its not been removed from 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 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
The following companies did not had permission or authorization to request a copy of my credit report. XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 and XXXX  XXXX XXXX - XX/XX/2021. I demand the deletion of these inquiries from my TransUnion report, they are unauthorized, unproven, none complaint and unverified inquires as required by law if unproved with an actual purpose that was not concluded by me. I will like a new copy of my credit report reflecting the deletions. Thank you for your time and 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 2018-08-29
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
XXXX XXXX in XXXX, GA tried to steal money from me XXXX SENT THE RECEIPT ON XX/XX/2018. The rental was returned on XX/XX/2018, XXXX GAVE A RECEIPT THE SAME DAY XX/XX/2018. They tried another receipt thinking I wouldn't notice. I opened a dispute with American Express and they closed it. They didn't even ask me for documents. Something is wrong with the company. If you notice the people in XXXX didn't even know when I returned the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: TIDEWATER FINANCE COMPANY, INC.
State: IN
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:
here are inquires that i dont recognize nor did i give approval to look into my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX6 XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Auto Finance XX/XX/XXXX XXXX XXXX Auto Finance XX/XX/XXXX XXXX Card XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is my second complaint, the first was submitted to my lender, Select Portfolio Servicing on XX/XX/XXXX with no response. 

As stated previously, I have title to the property located at XXXX XXXX XXXXXXXX XXXX, XXXX, CA XXXX, however the loan is in my deceased parent 's names, XXXX XXXX XXXX XXXX. I am the successor. I asked for a forbearance during COVID over the phone without any paperwork signed or a discussion of repayment options. I was able to renew the forbearance several times. I began receiving notices stating the forbearance was coming to an end with no end date. 

After a total remodel of the main home due to an unreported water leak, I was able to rent 2 of the homes and resume mortgage payment. My XX/XX/XXXX payment was accepted, then my XXXX payment was returned. A Notice of Default was filed. I began the process of assuming the loan in XX/XX/XXXX. After submitting and resubmitting documents they refused I was able to complete the assumption package XX/XX/XXXX. In the meantime a company, XXXX XXXX XXXX XXXX file a Notice of Sale for XX/XX/XXXX. 

Several customer service reps at SPS told me the foreclosure process would be halted during the assumption process. I was read a statement by my assigned Relationship Manager, XXXX XXXX stating SPS can ask for a change in the date of sale. She refused to tell me if they have asked. Today I spoke with XXXX a customer service rep who told me they can not ask for a change of sale date, but could not tell me why or direct me to someone who could ask. Instead he told me to call SPS attorney, XXXX XXXX to ask them to change the date of sale. I told him I have called and left messages with no return call. 

I have to wait 7-14 days for an answer on the assumption which will be less 23 to 30 days before the sale, leaving me no time to sell myself if I am denied the assumption. 

My contention is I am being treated unfairly and they are not attempting to help me keep the property. They will not accept a partial payment, payment arrangements or a loan modification. 

Thank you in advance for your attention and assistance in this matter. 

Kind regards, XXXX XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, US BKPT CT XXXX XXXXXXXX XXXX Account number : XXXX, US BKPT CT XXXX  XXXX XXXX Account number : XXXX has v

iolated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish
a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: GA
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:
RE : EXPERIAN, XXXX, XXXX and All Third Party Credit Reporting companies/subsidies. 

These companies are in violation of FAIR DEBT COLLECTION PRACTICES ACT. 
I have requested a fair and thorough investigation into inaccurate information that is and has been reporting on my Consumer Credit Reports for a long time. These violation carry penalty and i plan to seek Monetary damages.

I am filing this complaint in addition to filing them with the companies in question. After waiting for the disputes processes to be completed. The companies failed to remove information that was inaccurate and caused financial and unfair deceptive business practices take place. I take my credit very seriously and hope to hear back ASAP.

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 2023-08-23
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXX In accordance with the fair credit Reporting act This creditor has violated my rights.. XXXX XXXX XXXX Account # XXXX, Under 15 USC 1681A ( 2 ) Exclusion report containing information solely as to transactions or experiences between the consumer and the person making the report Under 15 USC 1681 section ( 602 ) States I have a right to privacy Under 15 USC 1681 section 604 ( A ) Section ( 2 ) States a consumer reporting Agency can not furnish an account without my written instructions.

Under 15 USC 1666 ( b ) Creditor may not treat a payment under a credit card account under a open end consumer credit plan as late for any purpose

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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 the erroneous items. The XXXX credit bureaus must verify these items in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( 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 corrected from erroneous reporting in my file. 

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 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 2022-05-30
Company: Army and Air Force Exchange Service
State: AP
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-08-10
Company: EQUIFAX, INC.
State: AR
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 declare under pentalty of perjury, 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.These items that are found on my credit report are not related to any transaction that i made or been apart of.These credit reporting agencies are in a clear violation of the United States Code Law 15 U.S. CODE 1681 1B- Permissible purposes of consumer reports they are reporting unknown accounts without my authorization. I never gave equifax, XXXX, XXXX  written consent to report anything to my consumer report. On XX/XX/2022 i sent a dispute to XXXX, equifax and XXXX certified mail letting them know of this violation and requiring proof of my of my written consent. As a consumer by law these accounts on this letter must be deleted immediately from my consumer report. This has caused me to suffer and its defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-10-26
Company: PROSPERITY BANCSHARES, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We are banking with Prosperity Bank in Texas. They have continually closed our card or flagged it as fraud for using it in the XXXX. We are currently in XXXX and they have started doing this here. Before leaving to XXXX I worked with the bank to confirm that we were going to be in XXXX and had them add a note. 

Most recently they did this last week around XX/XX/XXXX. We made a purchase and the online banking site was restricted to us. We could still use the debit card, but we could not access the our account online. We called support and they said that they could not do anything and that we would have to call the branch we work with, since a specific person there was the one that suspended our account and only they could undo it. 

We contacted the branch and they continually said that person was not there or had left for the day. We eventually got in touch with the manager and she was able to work with someone, pretty quick, to unlock the account. It was not horrible because at least we could still use our debit card at ATM 's to make withdraws. They re-added the note saying that we would be making purchases in XXXX. 

XX/XX/2021 We found that we were locked out of the account again. We called the bank and the Teller told us that they could not do anything about it because of a note on the account to contact the manager. We contacted the manager, but kept getting a message that she was not available and to leave a message. We called the bank again and they said that they could call us back and that the manager would call us back, but neither ever did. 

XX/XX/2021 We called the manager in the morning and received the same message, she was not available. We called the branch and they said that they could not do anything and could not disclose anything about the account, except for some messages that list possible fraud. The person at the bank said that he was communicating with the manager and said that they are working on the issue, but the issue goes higher up than herself. They said that they would notify us when the issue was resolved. 

We were not able to get any answers and the issue was not resolved. Our money is being held by the bank and they will not release it to us or allow us to access our money. We are currently in XXXX, with about {$25.00} on us. We are online teachers that get paid through XXXX and that money is also not being allowed to our account. At the moment we are stuck without money or answer and XXXX year old XXXX  child. We are needing access to our account and are not being given any answers. 

Thank you, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XX/XX/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 2022-05-30
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021 a Citibank credit card under my wife 's name was stolen. A fraudulent purchase worth {$2000.00} was done with this card, even though we immediately reported the theft to the bank and declined the purchase via text message. The bank erroneously claimed that the card was in our possession and charged us for this purchase on XX/XX/2021. On XX/XX/2021 I mailed to the bank 's security services office ample documentation showing that the card was stolen and not in our possession when this transaction occurred. This documentation includes phone and text records of our communications with the bank, as well as an email from the restaurant management acknowledging the theft. On XX/XX/2021 I received a letter from Citibank saying that they were " looking into the transaction ( s ) you disputed ''. I haven't heard from them since. It's almost seven months since then. I am attaching all of my documentation and the letters from Citibank in a PDF.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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