BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
All three credit agencies are discriminating me and not reporting my current credit debt, information, removing old accounts, not updating correct scores, and unprofessional behavior, Recently I applied XXXX credit card, XXXX Credit card company or bank pulled my credit report from TransUnion and TU reported them that I have missed them recent payment to any other creditor, which is not true. I have report in my hand, it was XXXX XXXX XXXX and has been paid off/settled by XXXX and XXXX reported them account in good condition. but TU and both XXXX is not updating in the system, that is why lenders are getting my " Negative '' Credit Reports, there is no missed payments at all in last XXXX years. I have all paid off bills and never missed it. CFPB should take strong action against these credit bureaus.

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 2018-05-10
Company: Netspend Corporation
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I won my claim and netspend is making up reasons why they are taking so long to return my money. My SSI payment from XX/XX/2018 they said 5 to 10 business days that's a lie .I want my money.

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 2023-08-03
Company: Aspen National Financial, Inc.
State: GA
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:
I hired a company to help me with the release of my timeshare, the timeshare Hired Aspen Collections as a 3rd party to collect this debt and I did not authorize them to share my information with a 3rd party. They were sent an order to cease and desist and close my account and instead, they reported it negatively against my credit report. 

I would like for them to remove it from my credit report right away, close my file and kindly send it back to the resort.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-25
Company: Big Picture Loans, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I tried to pay off this loan and they kept giving me excuses why I couldnt pay the loan off. They said I could be charged a fee from my bank because they would have to go through another way for me to pay it off. I kept getting alerts from my bank saying fraud alerts from a general store in XXXX is trying to get money from you. This happened XXXX/2017. This was a {$650.00} loan. The annual percentage rate of 558.4701 % which I did not know about which in total the finance charge would be {$1200.00} at the end I would pay in total {$1800.00} for {$650.00} loan. I tried to pay in full at the beginning but was unable to because they were giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: United Resource Systems, Inc
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Original Creditor : XXXX Issue : I do NOT owe the money and refused to pay it. They sent it to collection. It 's now damaging my credit report. 
XX/XX/XXXX : Signed up with XXXX for ONE YEAR. 
XX/XX/XXXX : Sent a letter to XXXX stating that I do NOT want this automatically renewed at the end of the contract. No response. 
XX/XX/XXXX : The contract expired. Sent a new contract via email WHICH I NEVER SIGNED. 
After this I continued to see monthly charges on my credit card. When I alerted my credit card company about the fraudulent charges XXXX could not charge my card any longer and sent me to collection. 
XX/XX/XXXX : Sent another letter to XXXX stating that I did not want this contract renewed and never signed. No response. 
XX/XX/XXXX : Letter to United Resource Systems - no response. 
I attempted to dispute this with the credit agencies without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My husband and I purchased a home in XX/XX/XXXX and the loan is being serviced by LoanCare. At the beginning of XX/XX/XXXX, we received a letter from LoanCare stating that our mortgage was increasing by {$300.00} per month because our taxes had increased to {$4500.00}. I wrote back to them and sent a letter from the XXXX XXXX XXXX appraiser stating that we had filed a homestead exemption. I waited a few days then called to see if they had received the paperwork. They said that they had a nd that I would have an answer with regard to re-calculation by XX/XX/XXXX No one called me back. I called them back and spoke to a XXXX who told me the tax dept was working on it and that I would have an answer in 72 hours which would have been XX/XX/XXXX. No response. I called back on XX/XX/XXXX and spoke to two people, one named XXXX who told me that re-calculating normally takes 6 weeks. I asked to speak to a supervisor, he told me no one was available but that someone would call me back within 72 hours. Still no response. I have on two occasions requested, in writing, for an advocate, and have gotten no response! I now wonder if they are working on a re-calculation at all and where did they come up with the {$4500.00}. The County estimated our taxes at {$2300.00}. We are seniors and can not afford this {$300.00} per month increase, especially when we did our exemption. Can someone help us. This company it totally unethical and unresponsive.

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 2018-05-10
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have a student loan balance from XXXX/XXXX XXXX XXXX on my Experian credit report that is incorrect. This balance, paid in full, is correct on my XXXX and XXXX credit reports. I tried to file a dispute with Experian to resolve this. This student loan was paid in full in XX/XX/XXXX and it is still showing a balance on my Experian file. When I received the dispute resolvement letter from Experian today, XX/XX/XXXX and it was not corrected (??? ), I followed directions on the letter and called XXXX/XXXX XXXX XXXX. The XXXX XXXX XXXX representative told me that they reported to Experian on XX/XX/XXXX that the account had a XXXX balance, and was paid in full in good standing. I then called Experian to try to resolve this. First, it is almost impossible to get to talk to someone in the dispute center, when I finally navigated my way there, the representative was very rude, disrespectful, and unhelpful. I told her that I had documentation and that they had received the same documents from XXXX XXXX XXXX. She informed me that the company stated there was no change in my account so that is why they ( Experian ) made no effort to correct my account. So if that is what XXXX XXXX XXXX told them, 'no change in my account ', there was no change because the account had been paid in full since XX/XX/XXXX. There seems to be a little bit of effort that needs to be put forth by Experian when 2 of 3 credit reporting agencies show a XXXX balance and they don't, to maybe dig a tiny bit deeper into the issue. The Experian representative very rudely told me to mail in or upload my letter, told me to have a nice day, and hung up. There is obviously a disconnect between these credit reporting agencies and the credit companies. These companies are in control of the things we can finance as well as the jobs we can get, so it would be great if they were actually working for us and not against us.

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 2021-07-02
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX are reporting 12 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX  and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I am writing to file a complaint against Chrysler Capital for wrongfully indicating a derogatory reporting on my credit score in 2019. I held a lease with chrsyler capital which was ending in XXXX of 2019. I traded the vehicle and purchased a used vehicle from XXXX XXXX XXXX XXXX XXXX XXXX XXXX We closed the deal and I turned over my trade in on XX/XX/2019. The dealership was to pay the pay off on the lease vehicle for an amount of {$26000.00} within 10 days which they failed to do. After follow up, they issued a payment but it was an incorrect amount. Chrysler Capital would not deal with me and allow me to pay the balance in order to avoid a late payment and negative impact to my credit score. They would only accept the payment from the dealership. Again the dealership was late providing the payoff check to Chrysler Capital. After many dealings with the dealership and Chrysler Capital over a period of two months, my trade in was paid off. However Chrysler Capital indicated that I was 60 days late on my payment. I was able to have them reduce to a 30 day late, however after attempting to eliminate any derogatory indicator, they would not work with me and would only refer me to the credit bureaus. I feel this should not have been viewed as the fault of myself the consumer, and this negative report on my credit has caused me to pay higher interest rates and significantly reduced my availability to receive credit, loans, mortgage etc. I request the assistance of the CFPB to advocate for me in this matter with Chrysler Capital. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-06
Company: ERC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never opened a XXXX  account. I asked this collection company to show me the wet ink signature and contract also to verify his license to collect in my state. This company only has sent me statements and has not proven this debt to be mine. I gave them 30 days to substantially validate and verify this to be mine. They have not and it's my right to be provided the evidence of said debt per fair credit reporting act. This is not my debt. My identity has been messed with. Please force this company to comply with federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: EQUIFAX, 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:
TO WHOM IT MAY CONCERN, I HAVE BEEN TRYING TO RESOLVE MANY ISSUES THAT ARE ERRONEOUSLY REPORTED ON MY CREDIT REPORT BY ALL 3 CREDIT REPORTING BUREAUS. I 'VE HAD THE COLLECTION AGENCY WHO DID THE ORIGINAL NEGATIVE REPORTING MAKE CONTACT THE 3 CREDIT REPORTING AGENCIES DIRECTLY, TO HAVE THE ITEMS REMOVED FROM MY ACCOUNT. WE HAVE TRIED DOING IT ON THE PHONE VIA CONFERENCE CALLS, AUD REPORTING WHICH WAS SENT FROM THE COLLECTION COMPANY TO THE 3 CREDIT BUREAS, AND VIA EMAIL. STILL THE 3 CREDIT BUREAUS WILL NOT UPDATE THE INFO. PLEASE HELP!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I asked to to stop calling me every day and harassing me the debt is about a cable bill they dont stop

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-20
Company: PNC Bank N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2019 my bank account was charged an overdraft fee. The overdraft fee is {$36.00}. After my account was charged the overdraft fee the balance is my account was - {$30.00}. This is the 3rd time this has happened with this bank. If my account was overdrawn to where I should be responsible for an overdraft fee my account should be further negative than the amount of the fee. Which my account never even shows me being negative more than the amount of the overdraft fee, it is actually less even after they charge the fee. We spoke with them and they claim that what shows on their end is different than what we can see. They say it is not a bank error so they will not reverse the overdraft fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Experian charges {$19.00} for a membership for enhanced services that is almost impossible to opt out of when trying to use services on their site. When trying to cancel, it appears that the only way to do that is through an online chat which is often not available or over the phone. Although these practices are reprehensible and deceptive, the reason for my complaint is that on the phone, Experian REQUIRES providing one 's full 9 digit social security number to an automated voice prompt. 

This is so irresponsible for an institution in possession of so much of my data, I wonder even now if I've been a victim of fraud. Even on this submission form, CFPB advises us providing exactly this kind of information. 

Moreover, Experian does not provide any straightforward way to provide this type of feedback directly to the 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 explanation
Consumer complaint received 2017-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TO WHOM IT MAY CONCERN, I HAVE BEEN TRYING TO RESOLVE MANY ISSUES THAT ARE ERRONEOUSLY REPORTED ON MY CREDIT REPORT BY ALL 3 CREDIT REPORTING BUREAUS. I 'VE HAD THE COLLECTION AGENCY WHO DID THE ORIGINAL NEGATIVE REPORTING MAKE CONTACT THE 3 CREDIT REPORTING AGENCIES DIRECTLY, TO HAVE THE ITEMS REMOVED FROM MY ACCOUNT. WE HAVE TRIED DOING IT ON THE PHONE VIA CONFERENCE CALLS, AUD REPORTING WHICH WAS SENT FROM THE COLLECTION COMPANY TO THE 3 CREDIT BUREAS, AND VIA EMAIL. STILL THE 3 CREDIT BUREAUS WILL NOT UPDATE THE INFO. 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 2017-11-25
Company: ALLY FINANCIAL INC.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Ally Bank recently has changed required operating system for mobile devices to the XXXX XXXX or higher. 
I bought few months ago my " mobile device '' aka smartphone with XXXX XXXX. The device was fully compatible with Ally mobile app back then, but now since it is impossible to update my phone ( most android phones are un-upgradable by design ) I ca n't use their mobile app. Ally Bank is an internet bank so mobile app is virtually essential for banking with the Bank. 
The Bank claims security as reason for the change but it means that clients, like me, can be arbitrary forced to buy new smartphones every few months. My smartphone works fine, was working fine with the old Ally Bank app and I suspect it can work fine with the new app too.

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 2019-09-20
Company: Community Cash Management Corp.
State: NH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019, I received a notice in the mail stating that I owed {$110.00} to our doctor 's office. My wife also received a notice and that will be addressed in a separate complaint here. 

My wife and I have the same doctor. We always are told if we owe money for the day 's visit, but we also have an arrangement of {$25.00} per visit per person. 

The last time we were in the office, we were NOT TOLD that we owed any money nor did they ask for our arranged payment. To me, that is THEIR RESPONSIBILITY TO let us know that we owe the payment.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
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: Account status incorrect

Complaint:
My credit files contain accounts both past the statue accounts as well as absolute inaccuracies. 
1.XXXX XXXX Paid as agreed, XXXX balance. 
2. Medical bills XXXX XXXX ( Paid ) falls under the XX/XX/XXXX3.XXXX XXXX paid as agreed.

4.Direct and Federal Loans are being reaged. They are reporting delinquent after 7 years. 
5.XXXX XXXX this is not my account. Also show bankruptcy. 
6. XXXX XXXX Paid as agreed. History reporting inaccurately. Never 30 day delinquent XX/XX/XXXX through XX/XX/XXXX. 
7. XXXX XXXX Paid as ageed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Card had fraudulent charges on it and was closed By the lender. Company harassing me to collect debt That is illegitimate. They did not let me access my account nor provide a statement of charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
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:
I'm in the market for a home purchase. One of the preparation steps I'm taking is monitoring my credit report. A couple of days ago I checked my credit report for the first time in a minute and I saw a couple of items on my credit report that are not mine. I have contacted the FTC and the local police. I'm doing this on my own behalf. These items need to be deleted from my credit report. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX lnquiries : XXXX XXXX, XXXX XXXX, NA XXXX XXXX, XXXX. XXXX. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, FCC 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 2019-09-20
Company: Waypoint Resource Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, We had Internet with XXXX XXXX XXXX. 
Then my contract finished my wife personally took it to place they said. 
But XX/XX/2018 WAyresgrp collection company send XXXX $ in my credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
i sent out a 609 letter XX/XX/2020 for all incorrect, inaccuracarcy, and for accounts that aren't mine and its been well over 30 days with no response from all 3 credit berueas.

Company response to consumer: Closed with explanation