BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
US DEPARTMENT OF EDUCATION account numbers XXXX & XXXX Consumer law states my transactions and experiences are excluded Non Public Personal Information that's confidential consumer data. Also the Right to refuse to pay Collections.

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 2019-10-25
Company: LDF Holdings, LLC
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
My next payment is due XX/XX/2019. To make changes to the amount, I have until XX/XX/2019. I sent the revoke permission letter and was advised that they would still be withdrawing the payment on the XX/XX/2019 for {$130.00}. This is not timely, and makes no sense if they can change the amount of the draft within 3 days, they should be able to stop the draft given a week. They said it has to be 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
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:
My credit report shows late payments when there wasn't ever late payments. The information that is showing is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have been trying to get a loan to purchase a home for 2 years now and I keep getting denials do to being XXXX and having a fixed income. I have cleared everything on my credit report but my credit score is still low. The credit agency are no help with fix anything what do I do? I feel like I'm being discriminated against because I'm 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 2017-09-15
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I submitted a complaint about an hour or so today. FTC Complaint # XXXX. The reason that I am adding this one to it, is because I tried to get the information from them about weather or not the Money Orders sent to them was applied to my Account. I spoke with three different people trying to obtain the facts & my money. I was told that they sold my account & frustrating me, I informed them that they got my payments! I informed them that I have spent hours on this! I informed them that Fraud is happening here! I informed them that I had a right to know if they received my two payments & did they apply them to my only ( One ) account! They said I do n't have that right, my account was sold & I have to call XXXX ... ...??? I told them that I was NEVER sent any correspondence via email, U.S. Mail that my account was at this level as I kept in touch with them & kept my arrangements I made with them. It is their duty & responsibility to notify the Collectors of their error. Meantime, I call the Money Order place to inquire if the amoney Orders had been cashed & yes they cashed the money order on XX/XX/2017. I have to call back for the last payment, if it was received & cashed. It is going to cost {$18.00} - {$25.00} to get copies of the cashed money orders. I informed them that I was going to turn their company in for Fraud! I am being Harrassed by a Collection Agency & Cash Central refuses to professionally tell me what is going! They had no right to sell my information! I have already been a targeted victim of Identity Theft! This Company is Shady! I want to sue them because if they are doing this to me, how many more are people ripped off! Please put the Pressure so they do not hurt anyone else! Please Investigate their Practices! I HAVE A RIGHT to know who cashed my Money Orders sent to them! They should not, and must not be allowed to hurt consumers like this! It is Fraudulent to cash my payments, keep my money & turn around & sell my file for the collection Company can come after a bill already PAID IN FULL! Illegal, Fraud, Dishonest in their dealings with the consumers! How many more is out there suffering??? STOP THEM PLEASE! I paid my bill in full, who have my money??? Please light under their treacherous behinds. Thank you. Sue Them on my behalf please!

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 2022-01-06
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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

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 2018-12-07
Company: Aldridge PIte Haan, LLP
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received information through a title search and from the closing attorney that I had a judgement and a personal property lien against me on XX/XX/XXXX in the amount of XXXX. The judgement and lien were placed by a debt collection company, ALDRIDGE PITE HAAN. After  numerous attempts to reach them by phone and ask questions via their website, they refused to identify the original creditor on this debt, the amount owed as of the last transaction or provide any proof that could substantiate the debt. The address they had on the judgement was an address that I have not lived at in over 13 years. The original judgement was obtained in XXXX County State Court in XXXX and renewed with a property lien in XXXX when I inherited a 10 % share in my grandmother 's property. In order to close on the sale of this property my aunt had to pay them off. They refused to take her call and also refused to take her payment over the phone as they say they will on their website. We ended up paying electronically by check and have not received either a reply confirming the debt is settled and the lien is being lifted. This company has essentially held 6 heirs hostage to rightfully claiming the proceeds from their mother 's estate because APH Law LLP didn't care enough about this tiny debt to respond in a timely and conscientious manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Roughly 60 days ago, Chase had closed my online access to pay the bill with the mobile application. 

That is how I always paid the bill on my Chase Freedom card. 

I have been waiting for a call back from an escalation manager for almost 2 months because I can not pay my bill because they do not have record of the account ending in XXXX. THEY ARE FORCING ME TO DEFAULT ON THIS CARD WITH A {$6000.00} balance because EVERYTIME I CALL AND GIVE MY SSN # DOB AND LAST 4 of the ACOUNT NUMBER, THEY CANT FIND THE ACCOUNT. I will SUE WITH MY ATTORNEY IF THIS IS NOT RESOLVED, and NOW THE MINIMUM PAYMENT IS PROBABLY {$600.00} WHICH I CAN NOT AFFORD SINCE THEY HAVE NOT ALLOWED ME TO PAY MY BILL AND ADDED LATES FEES WITH FINANCE FEES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Penn Credit Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I owned a rent house in XXXX XXXX, CA that was sold in XX/XX/2018. The water company, XXXX XXXX was paid what they were owed prior to my leaving the United States on XX/XX/2018 and I am now living in XXXX XXXX. 

The water company wrongly sent me to a collection agency for a debt I did not own when the service was for XXXX when I no longer owned the property located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Good Afternoon, I'm trying to file a claim against citizens Bank and need some assistance. I went to withdraw money out of their ATM on XX/XX/XXXX, at XXXX XXXX XXXX XXXX Ma XXXX XXXX  XXXX XXXX XXXX ) at XXXX. XXXX Dollars and no money ever came out so to prove I was there and they took my money I tried again to got the receipt which I'm providing to you. The card I used was an EBT card which I get cash benefits on I really need to pay my rent and need that money and I don't know how else to get it back. 

This should never happen Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: WELLS FARGO & COMPANY
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that WELLS FARGO XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2019-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I had contacted Transunion by phone on XX/XX/2019 to inquire why my score had dropped by 10 points. I was advised by XXXX XXXX that two of my credit card issuers had reported incorrect information on my credit report. XXXX XXXX stated that I should call the credit card companies and request that they report the correct information. My dispute nor my complaint was regarding balance details. 

The first credit card company XXXX XXXX XXXX had reported that a payment had not been made as of XX/XX/2019, and an available balance of XXXX. I had paid XXXX on XX/XX/2019 and the balance owed is currently XXXX, with an available balance of XXXX. I called XXXX XXXX XXXX and spoke with XXXX XXXX and asked that the report to Transunion be upgraded to reflect the correct information. 

I then called XXXX XXXX Bank and spoke with XXXX XXXX to request that Transunion be updated as well to reflect the correct information, and I was also informed of a card limit increase from XXXX to XXXX, and that XXXX XXXX submits its report on the XXXX of each month. My complaint is to challenge the payment history that is showing up that one account was late and both card company balances were incorrect. The following day on XX/XX/2019, I received another alert from XXXX   XXXX and XXXX XXXX that my score dropped again and I have a negative payment history from Transunion. 

The only activity on both cards is that I am paying them on time and before the due date each month. I called Transunion again to ask how my score went from a XXXX to a XXXX because of incorrect information. I was advised by XXXX XXXX that because I have two bankruptcies on my credit file that are over XXXX years old that is whats affecting my score as if I filed it 30 days ago. 

I am trying to rebuild my credit, but this apparently will not work if someone at Transunion keep using the Bankruptcy against me every 30 days not and looking at my payment history or card balances.

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 2018-07-24
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have several accounts with Navy Federal Credit Union - personal checking and savings, business checking and savings, and credit card. 

I am 10 days late on my credit card payment - TEN days, not 30, 60 or 90 - with a longstanding good history with this bank. 

I get paid Friday - but today, they withdrew my entire checking account balance without my knowledge, to apply it to the credit card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Billing dispute for services

Complaint:
The account ending in XXXX contains a billing error. 

Upon receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-03
Company: EQUIFAX, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXX ( XXXX ) days to failure to comply with these federal regulations by the FTC XXXX XXXX, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: World Acceptance Corporation
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: Account information incorrect

Complaint:
On XXXX 2020 I did a settlement with a company called XXXX A third-party collection agency working on the behalf of World finance company.They are both are still reporting fraudulent inaccurate information this Account was settled and was agreed to be deleted.I checked my credit report today as of XX/XX/2020and its showing negative for The second month In a row.I have called the collection agency XXXX and I called XXXX XXXX XXXX  in XXXX and XXXX and I told them what the issue was.I was told that they will look into it by the first party World finance when I called XXXX the collection Agency they told me that they would call XXXX XXXX company and get it corrected Two months later XX/XX/2020they are still reporting inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-03
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Hi I have spoken about this matter with XXXX and XXXX XXXX many times with the their agents over the phone. In which all agreed that that there a mistake on their end and promised to fix. However, never got fixed! 
I have proofs form my bank showing the payments has been deducted from my bank account. however, XXXX and XXXX has acted in gross negligence and incompetence to keep track of the payment. Every time I call them to fix the problem phone calls gets to be on average a XXXX hour long phone calls as they transfer me form XXXX representative to an other then hang up and I need to repeat. This added a duress on me. I called many time, where some of the phone end up with them admitting to a mistake on their part and promises they will fix within XXXX  day, but never do. Every time we look at the account it has different balances and payments, where none make mathematical sense, not hte bank can explain the their own accounting. 
I have sent many written request for the bank to fix the balance owned, where even I believe the balance was paid of. 
The bank XXXX and XXXX is commiting fraud at this point with the full knowledge and intent of commit the fraud. 
also, the bank has reported me as I have filed a bankruptcy tot he credit reporting agency in fraud. Where I never filed for such. This has harmed me for years and prevented me form seeking other bank loan to replace their loan. Such attics is part of their fraud scheme. 
In addition, the bank has been charging for a wrong interest on the account, where the bank admitted so. 
The record to prove their misconduct is many, I'll just upload a few. However, the bank is the record keeper and they must provide records. Once investigation start, I'll provide more proof. 
Also, the bank web site does reflect their monthly billing statements. Their monthly billing statements reflect wrong interest rate. The gross incompetency of record keeping is very clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Experian Information Solutions Inc.
State: TN
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 disputed the bankruptcy that is reporting on my credit report to all bureaus and their claim is that the bankruptcy was verified. I sent a letter to the bankruptcy clerk to ask the reporting guidelines and they responded that the courts don't report to the credit bureaus. So with that being said, the credit bureaus is falsely reporting a bankruptcy on my credit report and that is against FCRA Section 611 Subsection 5a

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 2022-10-06
Company: Financial Data Systems
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
These medical collection accounts has been reaged XXXX  is showing a last activity date of XXXX and XXXX is showing XXXX. How can this be so different? 

I have send 3 disputes to XXXX and XXXX they have yet to respond or remove the accounts from my credit report. 

This is inaccurate and inconsistent and must be deleted. 

I have attached my dispute that I have sent for the last 3 months and they have ignored my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
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: Account information incorrect

Complaint:
I wrote the following letter to XXXX at XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX Your company is hurting my credit rating because of the way you report to the credit reporting agencies. I have a home equity loan from XXXX that is in the repayment stage. Each time I pay my loan you report to the agencies that my balance owed is lower but you also tell them that my credit limit is lower. This makes it appear that I have a maxed out line of credit. This makes my credit rating lower. 
I have had this line of credit since XX/XX/2005. You always had this practice and it always disturbed me and it is the reason that I would not take another home equity line of credit from XXXX. However now since president Trump has made it so that I can not deduct the interest on this loan on my taxes anymore I want to let you know just how punitive this practice is. 
I am paying this loan off as soon as I can. I pay twice the minimum amount required so I can get rid of it. But if you could help me by reporting the original limit of the loan ( {$75000.00} ) to the credit reporting agencies instead of reporting the balance due ( currently {$46000.00} ) as the credit limit it would make my life with this loan much easier. 
Please view this as an official complaint about this policy.

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