BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-26
Company: FlexShopper, Inc
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I owe about XXXX before interest on a loan for audio equipment I got a 3 years ago. They have been calling my relatives saying they will show up. I called my sister and she gave me a number to call so I did. They started to tell me I did credit fraud and a few other things and would of have to pay over a thousand for the fine and interest by the end of the day or I would be sued and serve jail time and a few other things. Pluss I would have to pay the legal fees. I have been at the same address for years and have gotten no letter. I called flex shopper where I got the stuff and they gave me the number of the collector there was no answer I left a message and have yet to get a phone call. The other number continues to call family that I don't even talk to and I know they have my number but they won't call or send anything to me. Just threats. I told them to send the bill and I would make payments they aren't hearing it.

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 2021-05-26
Company: Experian Information Solutions Inc.
State: CA
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:
As you can see I have disputed the same two accounts : XXXX # XXXX and XXXX # XXXX. I disputed previously that this account is reporting inaccurate information. The are reporting never late and bankruptcy for the status but its reporting multiple dates late from 30, 60 and 120 days. As this account shows that I paid it off XX/XX/2021. Which is inaccurate since an account in bankruptcy would not be paid to a creditor 7 years later in bankruptcy. I never paid anything which again I disputed with Experian. 
With the XXXX account I have disputed the reporting of inaccurate information as well with incorrect dates and status. 

I received an update from Experian today which they state " items unrelated to your dispute has been updated '' When I review the updated documents compared to the before and after there is no change or " update " which Experian states. 

Once again Experian continues to not actually investigate these disputes and goes as far as stating that they updated accounts when they haven't.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
No evidence of accounts investigated and credit bureaus unwilling to investigate accounts despite all Identification Verification being submit. 

Credit Bureaus added inaccurate information onto XXXX  account that was never sent in dispute but didnt investigate the accounts that were inaccurate and requested for investigation.

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 2020-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 placed a permanent limitation on my account and kept all of personal information including my credit card accounts and banking information. There were purchases made through the account that I longer have access to in where merchants charged me for merchandise I don't have possession of and I am unable to dispute the transactions. These charges are a result of identity theft and I request that all the information be removed and blocked from the furnisher. 



The credit bureaus are in violation of the clear provisions of FCRA 605B ( c ) The information should of been blocked within 4 days

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 2020-04-27
Company: Aqua Finance, Inc.
State: PA
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:
I purchased kitchen cabinet remodeling services through XXXX XXXX  with the contractor being doing the work as " XXXX XXXX XXXX XXXX '', as a revolving credit account which was assigned for financing to Aqua Finance , Inc . I recently applied to refinance my home and was informed that Aqua Finance , Inc. is showing up on my records as a mortgage with a home improvement lien against my property. I was never advised that this would be the case or stipulation. I contacted Aqua Finance, Inc. and requested a release of lien letter and they will not do it. My welcome letter state revolving credit program, revolving credit account, credit purchase. Nowhere on my billing statement does it say anything about mortgage. 
I have no problem paying the account as a revolving credit account, and my account and payment status is current. 
I do however a problem with the lien on my property without my being advised, informed, etc., and nothing in writing that informed me of such. Please advise what can be done to legally to have Aqua Finance , Inc. provide me a release of lien letter as soon as possibele. 
Aqua Finance , Inc., XXXX, XXXX XXXX IL XXXX XXXX ext. XXXX Acct # XXXX XXXX XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: Solar Mosaic LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX I began an agreement with XXXX XXXX XXXX 's to install windows and two doors. I was told my payments would be interest-free and start in XX/XX/XXXX. I received an email from MOSAIC on XX/XX/XXXX, stating money would be due XXXX. I called the MOSAIC on XX/XX/XXXX to discuss the terms. The representative on the phone concluded that there had been no money removed from the account and I requested the loan be closed. I was told to try and get in contact with XXXX XXXX XXXX and informed them of this cancellation. And the MOSAIC company would try and do the same. On XX/XX/XXXX, I spoke with XXXX XXXX, representative of XXXX  XXXX  XXXX, who confirmed that there should be no payments or interest until XX/XX/XXXX. I then received an email from MOSAIC on XXXX stating that funds from my account had been dispersed to XXXX XXXX XXXX { This was the first time I had heard XXXX XXXX }. The letter also stated : " You will also receive a final communication from us when the cancellation process has been completed. '' On XXXX I sent a written notice to MOSAIC canceling all ties. On XXXX, I received an email saying they received a payment from me. On XX/XX/XXXX I sent a certified letter demanding all rendered null and void by virtue of the total failure perform. On XX/XX/XXXX I received an email indicating payment was revoked due to Customer authorization being revoked. On XX/XX/XXXX, another email asked for payment. I am claiming due to fraudulent actions of MOSAIC and failure to perform from XXXX XXXX XXXX that all ties be null and void. I request this situation to be resolved with all further contact being written and recorded as I may be forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
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: Problem with personal statement of dispute

Complaint:
hello, i have a XXXX  XXXX credit card. my payments were not being updated on my transunion report. so i asked them to update my payments so my credit score could be updated. well in their investigation and conclusion they deleted my XXXX  XXXX account. the account is still active and being used. the deletion does not show on my XXXX  report, only transunion. i would just like it to be reinstated with my payment history returned to normal please. with them deleting it dropped my score significantly. i have been on the phone with transunion, who sent me to XXXX  XXXX, who sent me to my bank, who sent me to a credit specialist, who then sent me to cfpb. any help would be greatly appreciated.

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 2021-10-24
Company: PNC Bank N.A.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
unfortunately a victim of a ruthless evil romance scam involving multiple people that lasted for 6 months. would not wish this to happen to anyone else total losses exceed XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PNC Bank XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX  XXXX is reporting multiple lates on a current account with the credit limit of {$500.00}. They have reported to the credit bureaus late payments in XX/XX/XXXX, XXXX and XXXX XXXX and has not supplied any proof to me. They is no proof of documents from the creditor or the credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation.

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 2019-09-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
REFUSAL TO PROPERLY INVESTIGATE

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 2020-04-27
Company: CITIBANK, N.A.
State: CA
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:
Tried several times and put on hold minimum of 35 minutes.. Customer repj. would transfer to 2-3 departments and then phone would be cut off. We would have to go thru the same thing over with more waiting and nothing being done with people who we can hardly speak English. Frustrating when you are being on hold more than 20 minutes. I PAID OFF MY balance of {$10000.00} on XX/XX/20 per my conversations with the rep on that day and on my statement. Told them to closed my account. When to see my credit score on XX/XX/20, it went down from XXXX to XXXX because I was being charged of {$110.00} interest that I was not aware that Citi bank charged me after I paid off my balance. Called theme and always being putting on hold after I told them to reverse the fees and reverse the late payments on my credit report. HELP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-31
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX made an unauthorized hard inquiry to my credit report on XX/XX/XXXX. I did not authorize this hard inquiry and I see reported hard inquiry on my Equifax credit report. I contacted both XXXX XXXX XXXX XXXX and Equifax. 
XXXX XXXX XXXX XXXX never replied to my email which I sent on XX/XX/XXXX. 
Equifax on XX/XX/XXXX replied that I should contact XXXX XXXX XXXX XXXX about this issue. 
Could you please help me to resolve this and remove unauthorized inquiry from my Equifax credit report? 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I want to report that in a trip back some years ago my document where loss, I didn't report the incident at the moment because I didn't know about the severity of this event, sometime after I realize that my identity was been use by someone who had opened account in my name, that's why I'd like to note this to try to correct this in my credit record. Please help.

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 2020-04-27
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Went through process of having home assessed by realtor to have PMI dropped. 

Paid {$150.00} to Freedom Mortgage ( check cashed by FM ) Realtor visited house on XX/XX/20 Received report from Freedom Mortgage customer care on XX/XX/20 confirming eligibility to drop PMI Received bill due XXXXDID NOT REFLECT dropping PMI Called FM on XX/XX/20. Customer service rep initially told me FM has " no information '' regarding this. I insisted they did, and they in fact sent it to me After being put on hold, customer service conceded that they did have the info, but the paperwork was " overlooked '' and they would update my account and send me an accurate bill immediately. 

My electronic account has NOT been updated and I have not received an adjusted 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 2020-06-22
Company: AmeriCash Holding LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Took out a {$570.00} loan on XX/XX/XXXX total debt to repay was {$1300.00}. Made bank draft payment of {$480.00} and wages garnished totaling {$940.00}. Monies paid on loan {$1400.00}. Contacted the company to ask why was I sent a wage garnishment letter on XX/XX/XXXX stating that the amount remaining was {$720.00} to be garnished but 4 months later, they sent a wage garnishment letter on XX/XX/XXXX that {$1200.00} was the amount to be garnished. I contacted AmeriCash Loans and revoked the wage garnishment in XX/XX/XXXX. Then on XX/XX/XXXX I contacted AmeriCash Loans and I was transferred 4 times before I got Ms XXXX and she proceeded to tell me that they regenerated the interest in XX/XX/XXXX. Then on XX/XX/XXXX, I complained to the Attorney General of Illinois and Missouri and then on XX/XX/XXXX I received a letter date XX/XX/XXXX from AmeriCash Loans that I still owed them {$790.00} on the {$570.00} loan. If I have paid {$480.00} in bank drafts, another {$940.00} in garnishments totaling {$1400.00} when debt owed was {$1300.00}. If they add another {$790.00}, that's {$2100.00} on a {$570.00} loan, which is 374 % in internet. The debt havs been paid in full and AmeriCash is still trying to collect more interest that they purposely keep regenerating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
The XXXXXXXX XXXX in Puerto Rico wher I have my auto loan and checking account repor wrong information to my credit reports. I ask you help me to fix my credit report score. I had a XXXX FOR THE MONTHS OF XXXX, XXXX AND XXXX OF XXXX because of COVID-19 Pandemic and that XXXX payments where moved to the end of the loan end date that now is XXXX. But the XXXX XXXX reports as late payments and they at the banks made various errors of my auto loan payme and they made the corrections after I meme several claims to them. 

The XXXXXXXX XXXX is causing problem to my Credit Scores for They Errors.

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 2018-11-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
My line of credit ( LOC ) payment with Citizens is due by the XXXX of the month. It is set-up with a pre-authorized debit payment to come out of my checking account. ( same bank ) The amount due is approximately {$96.00}. Since I began making {$300.00} payments on the XXXX of each month, my pre-authorized payment due on the XXXX has not been debited from my checking account. On XXXX XXXX, my {$300.00} payment was made, however, on XX/XX/XXXX, the bank debited my checking account for the XXXX statement balance of {$96.00}. This is the first time this has happened. 

I called the bank and they informed me that their institution had recently made a change in their loan payment processing systems, It was explained to me that with the changes, anyone making a payment, prior to the due date, that is equal to or greater than the statement balance due, will not prevent the pre-authorized debit payment from being made by their system. 

The rep I spoke with issued a " ticket request '' to the clerical dept for the purpose of over-riding this new process. He said that my {$300.00} payment on the XXXX will be recognized and my pre-authorized debit payment will no longer happen as long as my payments on the XXXX of each month continue. 

While I am satisfied that Citizens will alter this new system process for me, my concern is one of a larger scale for other loan customers of this institution. How can a financial institution require customers to pay more each month than they are required to. If someone pays a debt/loan payment earlier than the due date, haven't they met their obligation for that required payment? I pay many of my other monthly bills before the due date without any issues or additional monies requested or expected. 

Many customers probably live very tightly, paycheck to paycheck. Had this issue happened to one of those customers, there could have been additional financial repercussions for them : i.e. late payment fee and if there wasn't enough money in their checking account, possibly an insufficient funds fee and perhaps other fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: Experian Information Solutions 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 status incorrect

Complaint:
Please reverse the late payments reported on the following accounts : USDOE/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, .The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-09
Company: Experian Information Solutions Inc.
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:
I am writing this good will letter to see if I can get a late payment removed from my credit report. We are in the process of refinancing our mortgage and this is the first time we have been late. We are still trying to get caught up with all our bills from the XXXX XXXX earlier this year. The account is updated now and this want happen again!! This was truly looked over on my part. 

Thank You!!!

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 2021-10-25
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:
Fradulent activity occured on my credit report that should not be there. These accounts need to be deleted and taken off my report. I have contacted the creditors and the credit bureas and both are giving me no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My autopay was returned one-time back in XXXX 2019, I did not realized this. And TD charged me late fee every month without giving me any notice. When I realized the fee charges at XX/XX/2019, I paid the whole balance with total late fee of {$310.00} ( seven late fees ). 

I contacted TD auto finance at XX/XX/2019 trying reduce late fee. Since I did not realized the returned payment and TD never notify me or retry to charge the monthly payment before charging me late fees.

Company response to consumer: Closed with monetary relief