BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In XXXX of XXXX, I received my monthly mortgage bill. The payment due was showing {$1100.00}. That exact amount was paid on XX/XX/XXXX. 
I received a letter dated XX/XX/XXXX claiming that my account was 15 days past due. and that a late charge of {$57.00} had been applied. I immediately called customer service. They seemed confused themselves and I was told I would get a call back the next day. 
When I finally received a call back, i was explained that the amount on the last bill was not a payoff amount. I insisted that I paid the amount stated on the bill and that I could not understand why my account was considered late. 
After a few calls, I was finally given a payoff amount of {$220.00}, which I was first told could not be paid over the phone and that I needed to wait for a letter stating the payoff amount. 
By then, more time had gone by and the amount I was to pay was {$320.00}. I called on XX/XX/XXXX and, surprise! This time the payment over the phone was possible! 
Then I received another bill for {$77.00} Then a " Request For Mortgage Assistance Application '', followed by a credit on my bill for {$120.00}, but a refund check for {$72.00}. 
I would have expected from my mortgage company to send payoff amount before the term, just like another mortgage company did for my wife. I could have avoided all that confusion and a credit report showing a late payment of under {$100.00} and a loss of over 100 points off my then exceptional Fico score. 
I feel that the reporting has been unjustified and unfair and wish you review this to help me resolve this.

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 2020-05-19
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for and obtained a line of credit with CashNetUsa and was approved in XXXX of 2019. I immediately requested {$1500.00} from the line of credit and it was dispersed to my account. Soon after the company began billing me twice a month. I told them these were exorbitant payments, and to be billed every two weeks was unreasonable. They demanded payment, and they were debiting my account directly. I consulted a lawyer who said that this was an illegal internet loan and that he could help but first that I should block them from automatically taking payments from my account. I was going to file a case with an attorney, but I would prefer to make reasonable payments and pay back the loan. Currently they are saying I owe them {$3000.00} which is twice the amount of the original amount that I borrowed. They are also harassing me by calling me using different local numbers to disguise their calls. 

I attached a call record.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: Experian Information Solutions Inc.
State: MI
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:
Last month discovered quite a few hard inquires on my report that I did not authorize. I reached out to the furnishers and I have collected responses. ( I previously filed a 90 day fraud alert ) To expedite matters O would like the credit reporting agencies to act on these items immediately. I have enclosed the letters referencing the dates and hard inquires.

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 2020-07-06
Company: CITIBANK, N.A.
State: CA
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:
In early XXXX, XXXX, I had a numerous fraudulent charges on my Citi Double Cash Credit Card after visiting XXXX XXXX XXXX XXXX. Citi refunded the fraudulent charges and refunded me the credit of {$300.00} in XXXX, XXXX. Subsequently, I received a statement that I owe Citi {$840.00}. 

I have called 5 times since XXXX, XXXX to gather information on these new charges. Citi is not able to explain the {$840.00} in new charges. I tried again on XX/XX/XXXX to call Citi and after holding for 30 minutes, I was told that no customer service representatives are available at this time. 

I request assistance to correct the fraudulent charges so I can cancel my account. 

XXXX XXXX, MD XXXX XXXX XXXX XXXX, CA 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 2020-07-06
Company: EQUIFAX, INC.
State: AZ
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:
Equifax continues to report 4 accounts from XXXX XXXX that have been removed completely from my other two credit reports XXXX and XXXX. These need to taken off!!! 

XXXX XXXX {$120.00} XXXX XXXX {$120.00} XXXX XXXX  {$110.00} XXXX XXXX  {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In my credit report accounts are reported that I do not recognize, Porfolio recovery # XXXX I do not have an account with them XXXX # XXXX I do not have an open account with them. XXXX XXXX # XXXX I do not have an account with them. Also requests for credit that I have not made XXXX-2017 XXXX XXXX, XXXX-2017 XXXX / clear I need to not mix in my credit report someone else 's information and addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received a letter that my loan was in default because my payment was short {$110.00}. I called Penny Mac to inquire why. I was initially told it was because of a county tax increase. I informed them that we had not had any tax increases in my county in a couple of years. I was immediately transferred to a supervisor. She told me the same thing until I informed her that we have not had any tax increase. I did add an attached garage to my house which increases the insurance payments. My insurance increased from {$76.00} a month to {$100.00} a {$24.00} difference. My monthly payment increased from {$1200.00} to {$1300.00}. An increase of {$70.00}. This is a difference of {$46.00}. When i asked the supervisor why there was a difference, she informed me that this was for an emergency maintenance account in case I was short due to increases in the future. I was not aware of this account and she actually said it is basically a secret account. I can not see the account anywhere on any statement and was not aware of this policy. As of now, I have around {$430.00} in this secret maintenance account.This happened last year and i blindly sent in the money they asked for. 
This loan was assumed by them without my permission. I signed the paperwork not to allow the account to be assumed. 
I would like to mortgage to be returned to XXXX XXXX  and be compensated by Penny Mac for their deceptive and forceful threatening.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: Trident Asset Management, L.L.C.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There are 2 charges on my credit report from a collection agency " Trident Asset Management " They claim i own 2 payments to XXXX. 1 from XX/XX/2015 the amount of {$34.00} the second from XX/XX/2015 with amount of {$140.00} I never had a XXXX account on my name. I disputed both claims and both were denied. I called the agency to find out the number is a fax. I read the reviews and they all experiencing the same problem i'm having

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There are multiple accounts on my personal credit reports that are UNVALID as in never been validated items. A few different creditors, none in which i've ever come into relationship with. These accounts just don't belong to me. They've been on my report for about a year now and ive been back and forth with these credit bureaus about removing ( blocking ) these fraud accounts pursuant to the FCRA 605 ( b ) law I've sent out all the necessary documents needed to activate a blocking on these accounts, yet these credit agencies have failed to do so. Why? I have yet to receive any concrete evidence or proof of validation with these reported items from neither party ( credit agencies or creditors ). This is blasphemy, that these credit bureaus have been willfully disobeying credit laws at the consumers expense. It has been XXXX trying to reestablish my identity and these credit agencies have been little to no help. I need the CFPB to oversee this to make sure these credit agencies due their jobs with providing full proof of VALIDATION of the fraud accounts they've deemed " accurate and valid '' Pursuant to Fcra law 809 ( a ) ( b ), and no i've never hired any credit firm to help me amid these tragic events, i sincerely made phonecalls to all 3 bureaus, asked questions, got answers, and went online at FTC.GOV to study the FCRA Laws, THIS IS ALL FREE AND ANYONE CAN DO THIS, IT IS NOT A CRIME TO KNOW MY CONSUMER RIGHTS! So XXXX you guys at the office who left the last cfpb response not honoring my request because you said i hired a credit firm and you didnt think i've authorized these disputes, are XXXX! All of ya, XXXX! THIS IS ME, XXXX XXXX, This isn't rocket science as everything needed to know is ONLINE. Yall have willfully broken fcra laws and i KNOW IT, These are unfair business practices and ill fight tooth and nail until you guys fix these mistakes! Otherwise ill sue and i keep a trail of EVERYTHING.

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 2020-11-01
Company: USCB Corporation
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:
On XX/XX/2016 XXXX  XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon further research this account was transferred/sold to USCB Corporation and I am no longer responsible for the account. Debtor 's creditor did not verify this account. There was NO written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt. Anyone can send a bill and claim that it is mine. According to the FCRA act, USCB Corporation has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
When opening my TD Bank checking account the banker that was helping me out signing paperwork misinformed me about td debit card advance and fees associated with the service and tolled me we will not charge a fee for purchases that overdraft the account by {$5.00} or less and you can continue to overdraft under {$5.00} and we still will not charge you a fee unless transaction goes over {$5.00} With that information given I went ahead and used my debit card a week later to overdraft I knew the amount of the purchase was way above XXXX dollars and so I would be charged {$35.00} i was fine with that because Payday is coming up, then I make some more purchases on my account less than {$5.00} and Im geting charged {$35.00} Per each transaction that overdrawn me more and td bank would not refund me, this is insane! Almost {$250.00} overdrafted! And I only was overdrawn $ XXXX dollars!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have 2 Hard Inquiries on Trans Union that I did n't Authorized or Asked for. One is from XXXX XXXX 2015 XXXX PR XXXX ( XXXX ) XXXXAnd the second one is from XXXX XXXX, 2015 from XXXX, PR XXXX ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have a private student loan through navient. I've been repaying on my loan for 10 years and the balance has stayed the same. How can I pay on something for 10 years and not even knock out the interest! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Experian Information Solutions Inc.
State: OH
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:
There are accounts that were included in the bankruptcy but still listed on my credit report. According to the provisions of the Fair Credit Reporting Act 609 A1 E2 Validation and Disclosure 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity.

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 2020-09-04
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8700.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my 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 explanation
Consumer complaint received 2020-05-19
Company: BBVA FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On Thursday, XX/XX/XXXX, my account with Simple was frozen. I was not told about it. I found out when my debit card stopped working and when I couldnt transfer funds between the shared account with my husband or either of our individual accounts. When I called support, I was asked multiple fraud-related security questions, but was not told why my account was frozen. I was only told that the issue was going to be resolved soon. 

Each time I have called, I have told some variant of the issue has been re-escalated and someone will reach out with a support message soon Just this afternoon ( XX/XX/XXXX ) I received a support message that said my account is being closed per section 17 of the disclosure agreement. My money is locked up and I cant access or move it, and now the account is pending closure. They wont explain why or stop it. 

Any assistance you can give would be greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Account Statement Ending XX/XX/2020 and XX/XX/2020. 

My Discover A/c has three different types of balances : Purchase Balance 12.99 % APR Balance Trf 0.0 % APR Balance Trf 5.99 % APR I am surprised to find out that the company first applies portion of my payment ( minimum payment due ) to my lowest interest balance before applying any additional amount to highest interest balance. 

Generally, any payment first should go to highest interest balance after satisfying interest accrued. Otherwise those not able to pay off their balance will be forced to payoff their 0 % balance before high interest ( 12.99 % or higher ) balance which is unfair. 

Discover earns fees during balance transfer and then makes more in interest charges as the payments first are applied to 0 % balance before being applied to higher interest balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Please remove any and all fraud alerts on my credit file

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 2020-05-19
Company: Experian Information Solutions Inc.
State: OH
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:
The below accounts do not belong to me, I have tried to deal with these companies and they do not remove these items, I never applied for any of these account and I cant even rent an apartment. 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$310.00} Account # XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$1600.00} Account # XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$3200.00} Account # XXXX XXXX Opened XX/XX/XXXX Balance {$2800.00} Account # XXXX XXXX  Opened XX/XX/XXXX Balance {$1200.00} Account # XXXX XXXX Opened XX/XX/XXXX Balance {$290.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$160.00} Account # 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 2019-11-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2019, I went to a Chase bank branch in Downtown XXXX to cash a check. The amount of the check was too large to cash so I opened an account with the bank so that the check can be deposited and withdrawn. A few days later, I was unable to access my online banking account because it was locked due to suspicious activity. I called the number provided by my Chase banking app and there I was informed that my account will be closed and that Chase can no longer service me. When I asked why, they were unable to tell me and told me to wait 10 business days to receive my funds in the mail. Today is XX/XX/XXXX and I still haven't received my funds and to make matters worse, the representatives are telling me they will not release my funds to me until they can verify my check. I've called payroll and they informed that my check was cashed, so the bank cashed my check and will not release my funds and because they already cashed my check, I am unable to have the check cancelled so that I can receive a new one and get my funds else where. I provided the number for payroll to the representatives at Chase customer service, but they refuse to verify with payroll since it's not a number they were able to find theirselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: LEXISNEXIS
State: TN
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:
XXXX added a fruad alert, as have others with all of these breeches. I never authorized ANY alert. XXXX reefuses to remove the alert. yes, my id was stolen, as my ssn numbers- however, that does not give anyone permission at any company to refuse acces to my files in any way due to panic mode at their company. remove all blocks and alerts. I am being denied credit due to this, which is unlawful. Furthermore disputed information is fraudulently being re aged and re certified. IT MUST BE REMOVED. THE DEBT IS CHALLENGED- if companies will not comply in CORRECTLY REPORTING THE DATA- and they have not so far for years, then it must by law- be removed.

Company response to consumer: Closed with explanation