BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-01
Company: ZARVAD III S.A.
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I am in the process of filing for debt relief and was advised that I had to reach out to the company and request a stop payment. I was advised that I had to follow the procedures listed in the contact in order to request said stop payment. Upon reviewing my contract, it only states the following and gives no address or specific address to do the cancellation. 

AUTHORIZATION FOR ACH ELECTRONIC FUNDS TRANSFER PAYMENTS : I hereby authorize any third party processor, on behalf of Mypaydayloan.com, to initiate ACH debit/credit entries to my bank account for all payments due under this Agreement, including any returned unpaid item fees due, as well as all payments due under any future renewal Agreements. I further authorize the Financial Institution at which my bank account is held to debit/credit the same to such bank account. This authority is to remain in full force and effect until any third party processor, on behalf of Mypaydayloan.com, and the subject Financial Institution have received written notification from me of its termination in such time and in such a manner as to afford the third party processor on behalf of Mypaydayloan.com, and the Financial Institution, a reasonable opportunity to act on it. I understand that I may cancel this authorization by providing written notice to the third party processor on behalf of Mypaydayloan.com at least three ( 3 ) business days prior to the payment due date. I further understand that canceling my authorization does not relieve me of the responsibility of paying all amounts due in full. Customer understands that payments through the ACH system are not a condition for credit, and Customer may make payments by mail, or other approved methods upon written notice. Customer also acknowledges reading the Electronic Signatures In Global and National Commerce Act Notice ( below ), and consents to use documents in a digital form. In addition, any contracts and payment authorizations will be considered binding in a digital format.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Experian Information Solutions Inc.
State: MI
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:
I have 3 credit inquires that I never authorized or applied for. 1. XXXX. I never applied to this company and never requested a credit from them. ( tried to have Experian delete it but they refused ) ( I need this entry completely removed because I never made it ) 2. XXXX  XXXX XXXXI authorized only one inquiry from this company, not two.. there is a duplicate entires for the same company. ( tried to have Experian delete it but they refused ) ( I need this entry completely removed because I never made it ) 3. XXXX XXXX XXXX. I never authorized this inquiry.

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 2020-05-05
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/2020, I received a direct deposit from the IRS and on the XXXX of XXXX, 2020, I tried to use my card at XXXX XXXX XXXX XXXX and it was declined. So on the XXXX XXXX  XXXX I called bluebird customer service only to be told I need to call a different department. I called on the XXXX Sat on hold for 3 1/2 hours only to be disconnected. Then called again the next morning on second to still on hold the first time for 2 hours, and the second time for 1 1/2 hours. I called customer service number back that I originally talked to for them to tell me same thing they can do nothing and to call the other department. I expressed to them my frustration and asked for a supervisor only to be transferred once again and was on hold for another hour before hanging up. I called again on the 3 third for a couple hours and today the XXXX for about 1 1/2 hours all together about 12 hours of sitting on hold and I just want to close my account and get my money off the card. Also I can't even log into my account online it tells me my password or username is wrong so I tried to reset it and it just kicks me back to the log in page. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
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: Information belongs to someone else

Complaint:
Ive been a victim of identity theft.

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 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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 work as a XXXX in The State of XXXX. I am required to keep my security clearance. During a security check it was revealed that cases had been created without my knowledge or consent. One case was with XXXX XXXX. I have a good relationship with the now, but an account was opened without my consent on XX/XX/2015. That account was not mine and was charged off. It has been placed with agencies, taking away my security clearance. Please have this item removed as it will cost me my job. 

The Account ended in XXXX XXXXXXXX The account is reported as Past due {$1100.00}

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 2020-02-01
Company: Ad Astra Recovery Services Inc
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was going over my credit report and seen FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that are not accurate The FOLLOWING ACCOUNTS ARE NOT MINE : XXXX  XXXX # XXXX, AD ASTRA RECOVERY # 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 response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I received a notice from XXXX XXXX, the loan servicer, that my loan was past due. I had believed the loan was deferred. The notice I received stated that the loan was late, but not yet 30 days past due. 

I contacted an account representative and she gave me information on getting back into a deferment. I explained to her that I did not want any late mark on my credit report. She stated that it was too late to get a deferment for that month and I could apply for one for subsequent months, but needed to make a payment for that month. I agreed to do so, and before the 30 day window made a payment in the amount that she had told me was due. She had assured me that if payment was received before the 30 day window passed, it would not result in being marked as late to credit reporting agencies. 

Despite my making the payment, they have reported that account as late to credit reporting agencies, resulting in serious damage to my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: TFS FINANCIAL CORPORATION
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I currently have a HELOC with ThirdFederal with a line amount of {$100000.00}. My rate is Prime minus XXXX with a 2.00 % floor. The rate is for the entire line amount, regardless of the outstanding balance. I inquired to refi as I saw that the offered a rate, Prime minus XXXX. There was no cost to me to refinance. I spoke to a rep. of ThirdFederal who confirmed the rate of Prime minus XXXX. I applied late XXXX and submitted requested documentation on XX/XX/XXXX. ThirdFederal sent me, electronically, disclosures to explain the HELOC. I signed, along with my wife XXXX, the application and an authorization to proceed. Neither signed document included the interest rate. Even though a different document stated that the rate was Prime minus XXXX if the balance was at least $ XXXX, Prime minus XXXX for less than $ XXXX and a minimum rate of 2.24 %, it was still my understanding that my HELOC would close at XXXX minus XXXX as that is what was told to me. We continued with the process and on XX/XX/XXXX I received an approval notice from ThirdFederal/XXXX  XXXX. Their letter stated I was approved with the following terms : Interest Rate : Prime XXXX %, 10 year draw and 20 year repayment and commitment expiration of XX/XX/XXXX. I asked to have the documents sent to me prior to closing to review so the signing of documents could be expedited. In review of the docs, they did not represent what was told to me and what was in their approval letter. The terms of the new HELOC is not a net benefit for me as even though the rate may be lower temporarily, if prime drops XXXX or I pay down to below $ XXXX, it would cost me significantly more money. This is a clear misrepresentation and a bank putting a customer is a worse financial position for their own profit. In speaking with XXXX XXXX, she agreed that the approval letter does not illustrate the true rate or minimum rate. She said she spoke to XXXX XXXX, her manager and is unable to honor the rate that was disclosed to me verbally and in the approval letter. I am writing to you for relief that they honor their approval of Prime minus XXXX for the entire balance with a minimum rate of XXXX  %. I believe that I am not the only person who may have experienced this, I just closely read the documents closely prior to signing. If other applicant 's documents were reviewed, you may find the same misrepresentation. This may be the reason they don't want to honor the rates on my loan as it would open them up for many more errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: Experian Information Solutions Inc.
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 have disputed this account from XXXX XXXX and its still reporting on my credit reports. This school loan isnt mine and I have never took out any loans from this school. I never received any contact ( phone, email, letters ) from this school saying i am a student and owe this debt. Please delete this collection account of my credit reports. This isnt my debt and i dont owe nothing to this school. I also have numerous inquiries listed on my credit reports that are not mine. Someone is using my information and trying to open up accounts in my name.

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 2019-04-24
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
As customer of Wells Fargo bank and trusting this institution in XX/XX/XXXX I authorized the internal revenue service to deposit my tax refund XX/XX/XXXX at the above bank but the bank denied the payment of my refund under allegation of my refund not being deposited by the IRS. I insisted but I was unsuccessful of my claims. before the negative of the bank I desisted and the bank never paid the amount of {$6000.00}. of my tax refund XX/XX/XXXX. the bank did not paid me the refund for the year ending XX/XX/XXXX, XX/XX/XXXX for {$4800.00} for {$4900.00} for {$3200.00}, XX/XX/XXXX for $ XXXX,XX/XX/XXXXfor {$4300.00} this last was deposit by the IRS in XX/XX/XXXX the amount of the payment to Wells Fargo Bank was written on the bank statement but not considered in the balance because the next day, XX/XX/XXXX the bank posted an unauthorized charge of {$5000.00}.

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 2020-05-04
Company: Paypal Holdings, Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had my stimulus payment direct deposit into my PayPal account, the irs said it would be deposited into my account as of XX/XX/XXXX of 2020, in the amount of XXXX, every time I try to go to them about it, they send me to a community thing. Now is not the time to be withholding money when it's a rough time we r having anyways and this makes it more stressful!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 contacted Transunion multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Transunion in regards to an account listed on my credit report as XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Transunion, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Transunion and another bureau that this account is being reported to. Again, I have not received any verification of this account and on top of that, XXXX is reporting an open date of XX/XX/XXXX for this account however Transunion is reporting an open date of XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General.

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 2020-05-03
Company: Bread Financial Holdings, 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:
XXXX XXXX credit sold their credit holder account to a new company in XXXX of 2020. When this change was made the company erased all my stored reoccurring payment information. The company never sent me any information to notify my payment information was erased or that my payment was unable to be processed. This caused a serious ding on my excellent credit score. I have never been late or delinquent on any payment. 
I have paid the account off in full to avoid any problems with this company and will NOT be using the card again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing around XX/XX/2022, I fell victim to a multi-layered scam operation run by a fake Law Enforcement Officer which involved me making deposits for a total amount of XXXX USD from my Bank of America account to the fraudster.

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 2020-01-25
Company: Lending Club Corp
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Lending Club sent my payment to an outsourced partner for collection after less than a month late. They sent this to their partner after multiple attempts to make a payment to my account. They have consistently messed up their processing. First saying that I can not make partial payments, then saying I can not make payments without signing up for auto-pay ( these are statements from their call center that I've learned to take with a grain of salt ) After attempting to pay the outsource partner, they admittedly forgot to process the payment. Lending Club added two months of non-payments to my credit report. Then, after finally begging lendingclub to accept my payments directly, my dispute only resulted in one month of non-payments being removed. 

Because of my exhaustion in working with such an incompetent company, I gave myself a break and said I will continue to pursue the removal in a few weeks. Last Friday I submitted a payment to my loan, and saw my online statement for the month 's status change to " processing-within grace period '' the money NEVER came out of my checking account AGAIN. So I went on the website, and I now incurred a late fee. I am Begging the CFPB to put an end to this nightmare and clear up the situation. How can our regulators allow this company to fail people time and time again? The worst part is that when I go to my online statement, my payment made in late XXXX is still in " processing '' status. This is a disgrace, I will not continue to be abused by proven preditory lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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/2020 I was submitted a dispute letter for inaccurate and unknown account that I found on my credit report. It's over 30 days now and I haven't received any response from them. Those accounts are not mine and those are Identity theft. I was a victim of the XXXX data breach and those accounts need to remove ASAP or I will file a litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: EQUIFAX, INC.
State: FL
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:
I have asked you guys to look into this issues on my reports and nothing is happening. Please review the documents below

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX sent {$72.00} to a collection agency because of a transfer to service within their company without even calling me about it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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  CONTINUES TO ALLOW XXXX XXXX XXXX XXXX FORMALLY XXXX XXXX TO ILLEGALLY AND INACCURATELY REPORT FALSE INFORMATION THAT IS SEVERELY DAMAGING MY CREDIT AND BUSINESS. XXXX  XXXX  CONTINUES TO REPORT FALSE OPEN DATES, AND CHARGE OFF DATES IN ORDER TO CIRCUMVENT THE STATUTE OF LIMITATIONS. THEY RECENTLY UPDATED MY CREDIT FILE TO STATE THAT THE ACCOUNT WAS CHARGED OFF ON XXXX XXXX WHICH IS 7 YEARS PAST THE ORIGINAL DATE. XXXX REFUSES TO MAKE THE CORRECTION AND HAVE BEEN XXXX AND CONDESCENDING TOWARDS ME WHEN I ASK FOR EXPLANATION. 



XXXX STATES THE ANY INACCURATELY REPORTING IS GROUNDS FOR IMMEDIATE DELETION. A REPRESENTATIVE OF XXXX  WAS ON A CONFERENCE CALL WHEN XXXX XXXX WHO IS THE COLLECTIONS MANAGER AT XXXX XXXX ADMITTED TO REPORTING FALSE INFORMATION YET XXXX  DID NOTHING ABOUG 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