BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am filing a complaint on my own behalf. I have a few accounts that are showing me 30-60 days late and at the time my income was affected by the Pandemic shut down. I am aware that the CARESACTwas allowing for consumer protection under the CARES act with creditors offering accommodations. I have on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are showing late pays I have since paid my account off in full and I would like my account to reflect the current status to help protect the integrity of my credit profile.

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 2023-11-14
Company: Sensible Auto Lending, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
I inquired about a vehicle at a dealership XXXX auto they asked I fill out a credit application of which I did. 
I never received a vehicle from them and they used my information which is currently appearing on my credit report. I have tried contacting the dealer and they are closed and out of business and Sensible auto also has numerous complaints regarding the dealership criminal and deceptive practices on record from numerous people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Freedom Mortgage Company
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Freedom Mortgage has an accurately stated that I have missed payments stating back almost 2 years ago. These statements are inaccurate. I have not missed a payment at Freedom Mortgage corporation. I called Freedom Mortgage and was told I had to physically mail in a complaint that would cost extra money that I choose not to spend.

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 2023-10-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX XXXX the XXXX XXXX XXXX sent a wire transfer from XXXX XXXX {$5000.00} to Chase bank in NY. Because it's a transit bank XXXX XXXX Bank in XXXX. Chase bank didn't transfer the XXXX Bank, and they didn't refund the money to XXXX Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: Accounts Receivable Consultants 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: Old information reappears or never goes away

Complaint:
I went to the XXXX XXXX sometime in XXXX when I was diagnosed with XXXX XXXX XXXX. They gave me a monitor and did not tell me about a deductible that I had. Matter of fact they told me I only had to pay a copay of {$5.00} which I paid when I was seen. A few months later I get a bill in the mail from a collections agency ( with the wrong address on it ) about a debt that I had no idea of. When I received this letter I immediately called The XXXX XXXXr and paid the full debt, it was not settled. The XXXX XXXX never sent me any mail about this bill or attempted to contact me regarding said bill. The letter that they sent was to an incorrect address and I told them this multiple times. When I realized that I owed for this monitor I immediately paid the debt in XX/XX/XXXX XXXX I have my billing statement as evidence ). The XXXX XXXX said they do not have any type of information that this bill was paid, yet in XXXX they finally updated it. The XXXX XXXX have that I paid this debt in XX/XX/XXXX which is incorrect and is negatively affecting my credit. When I told their billing department this she said I should have updated my address, I have been at my place of residence for the past XXXX years therefore my address shouldve been correct because it has never changed. The person at the billing department told me that she would call the collections agency to update this debt and ultimately have it removed. When I spoke to her on XX/XX/XXXX she said there was nothing she could do and she was very rude about the whole situation. The collections agency also told me that they will not update this incorrect information. I have attempted to dispute the information as well. This has been an ongoing issue for over a year now. When I called the collections agency XX/XX/XXXX he would not listen, he was very rude and kept repeating that it is bad debt. I tried to explain to him that I paid this debt in full to the XXXX XXXX when I finally received the bill. We got off the phone without a resolution. They continue to update this debt on my report as if it has not been paid. They also have that it was paid XX/XX/XXXX when it was paid to the XXXX  XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
State: WI
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:
XX/XX/2021 {$27000.00}. I have tried calling and writing the company since i seen this reported.

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 2019-09-14
Company: ALLY FINANCIAL INC.
State: FL
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 called the company on XX/XX/2019 to ask why they pulled my credit report they told me that i do not have an account with them i gave them my information and they could not tell me why. i never ask for credit from them or sign anything to have them pull my report. 

please have them delete this inquire they could not help me Ally Finan I XXXX, MN XXXX ( 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 2021-03-27
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a BJ Perks Mastercard. It's a XXXX 's XXXX XXXX branded card that's issued by Comenity Bank. I have excellent credit and always pay my bills in full. Occasionally, I get busy and forget to pay the bill on time. It is rare that I pay late, but if I do it's usually no more than an hour or two late. Unlike most credit cards, Comenity Bank has a hard cut-off of XXXX XXXX XXXX. My complaint is about the late fees and interest that Comenity Bank charges for paying late. It is excessive and usurious. XXXX  Comenity Bank charges a late fee of " up to {$40.00} '' for being late. Second, it charges interest at a high interest rate of 15 %. This is piling on. The interest charge, which is already 15 or more times the going rate of interest, is supposed to cover the cost of being late, but goes further in penalizing someone for being late XXXX Comenity Bank will charge the interest even if you're one minute late ; and to be fair, all credit card companies charge unreasonably high rates of interest ). Why then is a late fee added on top of it? And why does the late fee vary? I have no problem paying something for being late. If you're late, you're late. I do have a problem, however, with excessive and double charging. One month, I was a few minutes late and was charged interest plus a late fee of {$35.00} XXXX which was exactly equal to the balance due on the account of {$35.00} XXXX. I raised a stink about this and Comenity Bank reversed the fees because of my excellent payment history. Last month, the payment slipped by mind and I wound up paying two days late. The balance due was {$17.00} XXXX this was the entire balance ; I never pay the minimum, I always pay in full ). I was charged a late fee of {$17.00} plus {$2.00} of interest. I was charged 112 % of the balance due as a late fee. By any definition, that is excessive and usurious. My attempts to get someone atComenity Bank to understandwhat it's doing is unfair and unethicalhave fallen on deaf ears. Comenity Bank and othercredit card companiesshould not be allowed to charge such excessive amounts. It's just plain wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: CITIBANK, N.A.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2019 I received an offer from Citi Bank credit Card offer to redeem XXXX point (as of XX/XX/2019).  Among the available option there were listed the following: gist cards, donate with points, shop with points, travel rewards.  When I pressed "gift cards"  I was transferred to different gift cards menu sorted out in alphabetical order.  When I chose XXXX retail store under letter XXXX I got a message that there were problems with the web site and should visit the site later.  When I visited the place many times since I always got the same message about problems.  When I called customer service on 08/15/2019 I was told that I am not eligible for gift cards which was now what the offer mailed to me said.

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 2018-09-13
Company: EQUIFAX, INC.
State: SC
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:
Equifax continues to report inaccurate unverified charge off on my credit report from XXXX XXXX and XXXX XXXX. I requested through certified letters their METHOD of verification names and phone numbers of individuals reporting the negative data on XXXX XX/XX/2018 and Equifax still has not responded to my request but continue to report the inaccurate unverified charge offs. Equifax had to correct MIXED items on my file in the past would you please assist me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My name is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. XXXX cell number. 
My complaint is agains Shellpoint Mortgage, XXXX New Rez. 
NewRez LLC XXXX XXXX  XXXX XXXX, SC XXXX ( XXXX ) XXXX Main Office NMLS ID # XXXX Loan # XXXX This company bought my loan XX/XX/2019 was my first payment to them. The original loan was for {$140000.00} and the appraised value was {$150000.00}. 
Attached are the loan payments. On XX/XX/2019 I paid a lump sum of {$21000.00} to lower the principle to under 78 % of value. I have attached files. 
I called to make sure my PMI was canceled, They made me do a written request which I did. I got a letter saying an appraiser would be contacting me in 7-10 business days. Well that didn't happen. After numerous phone calling and all kind of issues trying to talk to a person. I got a call in XX/XX/XXXX, from XXXX XXXX, a Broker from XXXX, not even in my market, did a " Broker Price Opinion '' yes, he is not an appraiser! Attached is his report. 
His lack of knowledge of the area, he used 3 properties in the city limits. I live in an exclusive neighborhood. The home to the left of me sold for {$170000.00} in XXXX and the home to the right of me sold for over {$300000.00} this month. 
They will not contact me back, I have left messages with XXXX XXXX, the Supervisor because my direct contact XXXX XXXX phone is now not working. XXXX. 

Pay the Mortgage Down to 78 % of the Purchase Price Because of the Homeowners Protection Act, PMI now has a default setting This is a level at which it a lender must cancel it automatically. The mortgage servicer is required to drop your PMI coverage when the outstanding balance of your mortgage drops to 78 % of the original value of your home. 

If the original purchase price on the house was {$200000.00}, your lender must cancel PMI when your outstanding loan amount drops to {$150000.00}. This is 78 % of {$200000.00}. 

This should happen even if you do nothing in an attempt to remove the PMI. You must, however, be current on your mortgage at the time this happens. Otherwise the lender is not required to remove the coverage. 
Please help, thanks, XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Atlanticus Services Corporation
State: OR
Product: Credit reporting 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 did not authorize any of these inquiries XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX  Credit Unions XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous Reptg. Agencies FORTIVA XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Credit Unions XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX All Banks FORTIVA/XXXX Inquiry : XXXX XXXX, XXXX XXXX All Banks ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  Auto Financing XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX  All Banks ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX  Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX  Auto Financing XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Auto Financing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
These accounts have been reported late when it has never been late and the accounts are all closed. These are also closed accounts thag have all been settled. This incorrect information it is affecting my XXXX XXXX. This INCORRECT late payment, and account information needs to be removed immediately per the XXXX reporting laws stating correct reporting is mandatory. These are the incorrectly reported accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-04-07
Company: T.S. Holdings
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A debt was established shortly after move out which was XX/XX/XXXX. Part of the the {$300.00} plus dollar debt was paid. However, XXXX XXXX XXXX XXXX XXXX sold the debt to collection agency IQ data international for the amount that did not reflect payment made. Once a letter was received for debt owed, I tried explaining to management at the XXXX XXXX XXXX  XXXX that based on my move in inspection form and what was allegedly found, it was the same. Therefore, part of the debt was invalid. Since the debt was sold to collection agency, the collection amount has increased. Finally o! XX/XX/XXXX, I sent a fax to settle for less. Agency declined despite income issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: WELLS FARGO & COMPANY
State: NY
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/2023 I made a purchase and the purchase just posted on Tuesday XX/XX/XXXX I called the bank to ask him about Veterans Day cuz I also got charged or overdraft fee for Veterans Day when all banks were closed they explain to me that the bank still works I don't understand how I got charged to overdraft fee for a transaction that was done on Thursday and I also deposited money into that account had a positive balance wake up on Tuesday XX/XX/XXXX with a negative balance and another overdraft fee the reason I'm writing is cuz I have been complaining numerous of times about how this bank is very abusive with their fees if I did a transaction on Thursday that transaction should have posted on Monday especially if there was no holidays but this bank is very abusive cuz what it does is that it charges you overdraft fees it waits to all the other transaction posts and then the overdraft fee makes your account look even more negative and that's when they take advantage and they they charge you more overdraft fees this bank is very abusive with these fees I feel like the federal government should investigate them this is why Wells Fargo 's has been XXXX of the worst banks in XXXX or it needs to be sold to a better institution that will appreciate customers and not over abuse them like this bank has done I'm so tired of arguing with them and fighting with them about these overdraft fees especially when they notify you at XXXXXXXX XXXX in the afternoon and they give you to XXXX midnight the same day they consider that XXXX hours I consider that XXXX hours that is nowhere near XXXX hours it is not right how this bank is treating people and I feel that there should be Justice against all banks that abuse customers we all work for our money there's no reason why a financial institution to take our hard-working money that they have nothing not even a sweat to receive this bank has been making profit off of me for years and I am very tired of it I was told by representative that if I didn't like them that I'm more than welcome to go to another financial institution I don't have a problem in going to another bank I just choose not to cuz I'm tired of all these Banks abusing it's not just Wells Fargo 's it's all banks in America that are very abusive this is my second complaint on this bank about to overdraft fees hopefully this Bank will stop the abuse soon thank you for your time and your 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 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXX/XX/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 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act these accounts have violated my rights XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX # XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2021-10-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX Mortgage has reported me to the credit bureau for non payment of my XXXX payment. They also said that I did not pay my XXXX payment however I paid these payments on XX/XX/2021 and XX/XX/2021. They were both refunded back to me without my knowledge 4 days after each payment. I have since caught up the account, however, I should not have to be punished for something that was not my fault. I have never changed the way I make this payment. I have had this account for many many years and have never had a late payment. I have never even had a late payment on any other account. I care about my credit and have always had excellent credit. I would like for XXXX to fix this problem and my credit to be fixed. Please help me!

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