BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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 have filed report on company once before. Then I received notice from my credit monitoring that I have a derogatory item on my report. I called Transunion and they said I have to pay {$99.00} to get it fixed. I then contacted the company that gave me payday loan and I have not heard back. They are reporting u owe {$850.00} when I have paid {$650.00} and I have receipts plus I tried to make final arrangements for remaining amount and they refused to work with me. I got loan on XX/XX/XXXX and I dont owe them {$850.00}!!! In XXXX theyre were threatening me with jail so I sent them a letter asking them to stop contacting me! Very nasty company with horrible collection practices! Theyre now back at it and I need some help please! 
Emails I have sent XXXX. 

Okay I will call to settle my account. State law for Montana only allows a cap of 32 % interest for payday loans. Additionally the harassment of calls on XX/XX/XXXX broke state and federal laws. Please keep the interest cap in mind as we negotiate the final payment when I have already paid {$220.00} on a {$500.00} loan. I think a fair payment offer is in order. Look forward to a productive call with no games. 

Thank you, XXXX Hello XXXX, and XXXX XXXX XXXX, I'm making contact again to find the out the address to send final payment for a payday loan issued on XX/XX/XXXX for {$500.00}. I have made a payment of {$220.00} already leaving a balnce of {$270.00}. With the reasonable interest rate of .36 % allowed by my State of Mt and remaining balance I agree to make a final payment of {$370.00}. Please send me the address of where I need to send final payment. Thank you! 



Under Montana law, deferred deposit ( payday ) lenders may charge fees equaling one-fourth of the loan, which, as an annual interest rate could range from 300 percent to 650 percent. Title lenders may charge similar interest rates. I-164 reduces the interest, fees, and charges that payday lenders, title lenders, retail installment lenders, and consumer loan licensees may charge to an annual interest rate of 36 percent. It prohibits businesses from structuring other transactions to avoid the rate limit. It also revises statutes applicable to pawn brokers and junk dealers. 

Sent XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MT XXXX Remove my routing and account number from your records! How sneaky trying to pull funds under red leaf ventures instead of red leaf lending! This is fraud and unethical I'm reporting your company to my State attorney generals office again with a phone call 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 2023-11-03
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is an account called XXXX XXXX XXXX that's on my credit reports which I can not identify doing any transaction or business with them

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 2019-10-21
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Credit Reporting Act ( FCRA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FCRA.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
On XX/XX/23 I got XXXX insufficient funds charges in the amount of {$27.00} from a CLOSED Venmo account. When I contacted VENMO, I was told I would have to reopen the account but couldnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I want to make the public aware, US Bank is getting trained from XXXX and is going XXXX XXXX, It is scamming its customers and is not honoring what is advertises and the flyers sends in the mail. I received a flyer in the mail that if I open and deposit {$3000.00} in the US Bank account, I will Get {$500.00} as a bonus if I keep the money for 90 days, I did the same and I did not receive the money, please see the flyer attached in this complaint, this is a third class, ridiculous bank, and I will not suggest anyone to open the account in this bank. 

I spoke to a lady yesterday from the bank and she spoiled 30 minutes of my life, she asked me to send her all the documents I have, starting from the flyer, to the statements I have and then after 30 minutes, she was trying to make excuses that why the bank hasn't deposited the amount into my account. She started saying that I haven't deposited V A money or XXXX, and this is a business account. 

When I opened the account I also went to the teller of the bank and the teller told me that even if I will deposit the money in the atm that will also count as an ACH, Us Bank is not honoring what it said and my last resort will be to file a case in the court. 

US Bank had my money and used it, I meet all the guidelines they had on the flyer and I should be getting the bonus money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Fedloan " took over '' my XXXX  XXXX loans and I choose the graduated repayment option because with my job I get a small raise every year and that made fiscal sense. This disqualified me from public loan forgiveness ( which is not my main complaint ) which I did not know. My monthly payment was {$200.00} a month. I took some additional XXXX  classes and my loans went to deferment. Once I completed my classes my loans went into repayment status but Fedloan switched the terms and agreements without telling me FROM graduate TO standard repayment which jumped my monthly payments by over {$120.00} a month to {$320.00}. This happened early XX/XX/2019. I called to ask why they changed the type of repayment and them to let them know I did not have an additional {$120.00} a month but could still afford my {$200.00}. They would not help me other than telling me I make too much money for income driven but to refinance for another 10 years and that my interest rates would most likely jump so my payments would not actually be any lower than the current {$320.00}. 

So I reconsolidated with XXXX XXXX because they were the only financial institution that could get me back to the lower {$200.00} a month payment which I could afford. I made my XXXX payment with Fedloan. XXXX XXXX bought 3 of my 4 loans from Fedloan and indicated which specific loans they purchased when they sent the check in late XXXX. Fedloan claims they did not know what loans were being paid off and applied the {$12000.00} check to all 4 loans and then still charged me my full {$320.00} payment in XX/XX/2019. I called a few days before my XXXX payment was due and was told by a Fedloan representative my XXXX payment would not get pulled because they got the {$12000.00} check but it still got pulled. I have talked with four different Fedloan representatives all which give me different information. One told me my payment would not get pulled. One told me a refund would take 2-3 business days. One told me a refund would take 30-40 days. Three of them told me they did not know what loans the {$12000.00} check was for even though XXXX XXXX confirmed they sent a roster to Fedloan with this information. 

I understand customer service representatives have a hard job but Fedloan as a financial organization has been HORRIBLE to work with. Being lied to, given incorrect information and misapplying payoff money as well as pulling payments for loans that have been paid off is just a snapshot of my interactions with them in the past 5 weeks. If you have a choice DO NOT service your loans through them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
There was recently a credit card opened in my name fraudulently that I did not apply for or open at all through comenity XXXX XXXX XXXX XXXXXXXX opened XX/XX/2023 with a {$4900.00} credit limit I have not received anything in the mail or have I applied for this card at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: Global Lending Services LLC
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:
Global Lending Service is reporting a account as a XXXX and this account is A fraudulent account I have wrote them letters plenty of times and have never received a response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted Wakefield and Associates in XX/XX/XXXX regard a medical bill the put on my credit. I was told that they received the payment and that it would be taken off my account. It was taken off but put back on XX/XX/XXXX. I contacted the company and was told my account was closed and that they couldn't do anything about it reporting to my credit cause they didn't see it being reported. I tried disputing it on my XXXX and XXXX report. I was deleted from my XXXX report but they updated the balance on my XXXX report from {$600.00} to {$700.00} oweing. This debt was paid by my medical insurance and should be off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Netspend Corporation
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have had now XXXX cards total with this company XXXX purchased from same store. Everytime they cancel out card and say something happened to it and have to order another then I have to transfer money from old to new card but since they cancelled card I can't use account to do a transfer I have to call them and they charge around {$5.00} they can never fix over line they have you on hold and everytime you have to get another card I received XXXX cards in XXXX day and they were both already cancelled and I never even registered them! now I have to wait to receive my check again till I get another card can't even pay bills

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 2023-10-03
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Way back in XXXX, 2023, my realtor and short sale coordinator submitted a short sale request to freedom mortgage. They deny ever getting the request. 

I filed for bankruptcy hoping to get some relief. It temporarily stopped the foreclosure in may and moved it to XXXX. The bankruptcy was dismissed because of an clerical error that the judge blamed on me. Anyways, so we again, submitted the short sale offer to freedom in XXXX. At which point they agreed to delay sale to review. A few months went by and we changed short sale coordinators to use first title integrity at which point we needed to get them approved on my account to speak about the short sale. 

I personally had to call freedom and beg to postpone the foreclosure again because for some reason they were not responding to the short sale offer. Finally after having first integrity approved to discuss my account with freedom, XXXX said they never received a short sale offer and/or the loss mitigation forms and such. Weird right. 

So they said they would review within XXXX weeks. That was a lie, it took them a lot longer to review. Finally just last week they came back and said they would need one of the liens on the house to be paid off before they would review the short sale. 

So we came back and said the buyer would be willing to pay off the XXXX, but they would like this in writing that the bank would accept the short sale if the XXXX was paid. 

What was freedoms response? They will not reschedule the foreclosure this time which is within XXXX hours. They gave us an offer and XXXX time to enact on the offer. This has been the hardest bank to deal with. Its an FHA loan, their money is protected either way. They should be begging us to do the short sale so they get most of their money back plus the interest paid over the last 8 years. 

Poor communication on their end and it took them 3 months to pull title records. Now they want to auction my house under me while we have an offer in place that they legally should review but are refusing to.

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 2019-12-23
Company: CONTRACT CALLERS INC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
{$710.00} opened XXXX/XXXX/2019. supposedly owed to original creditor XXXX XXXX XXXX. Now debt is sold to Contract Callers INC. I have contacted XXXX  on XX/XX/2019 to validate debt that I have no knowledge of, which I still have not received valid proof of anything with my signature of proof that this debt is mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
On XX/XX/XXXX, I filed a dispute through the credit bureau regarding Capital One. The account was settled through a debt consolidation with a remaining balance of {$390.00} due. 
Capital One nor the credit bureau have updated the account accurately with my statement of being in a debt consolidation program, nor has Capital One updated my report with the accurate balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: CAINE & WEINER COMPANY, INC.
State: PA
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:
On XXXX XXXX, 2019 CAINE & WEINER COMPANY added derogatory marks on my credit reports. Upon further research, those accounts were transferred /sold and I am no longer responsible for them. Debtors creditors did not verify those collections. Also there was no written form of communication, contract or signature for those account debts at all. 
Please provide me with the following : Signature for those account debts at all. 
What the money you say I owe is for. 
Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgment if applicable. 
Identify the original creditor. 
Prove the Statute of Limitations has not expired on those accounts. 
Show me that you are licensed to collect in my state. 
Provide me with your license numbers and Registered Agent or Agent of Service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Louisiana Recovery Services Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
No written consent or permissible purpose to report on my credit report. Thats fraud and identity theft Im asking XXXX $ per violation of my rights and to block and remove information reported. Pursuant to 15usc1681 and also Im asking XXXX dollars for knowingly and willingly reporting false and inaccurate information pursuant to 18usc1001.

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 2019-12-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
I ordered something from XXXX that came defective, contacted XXXX about it. XXXX sent a replacement. 

Replacement device became defective as well so contacted XXXX about issuing a refund, XXXX sent XXXX to pick up both items ( all under one tracking number & one box ) XXXX received the items & have yet to issue my refund. 

Contacted capital one started dispute & got a notification saying my account will be credited the funds while they investigate.

& That the funds will be in my account in 1 - 2 business days.

Turns out capital one put a hold on the credits I was supposed to get for 40 - 90 days until the merchant responds.

I shouldn't have to wait 40 - 90 to use credits I should already have for items returned.

I've contacted capital several times about it to no avail.

I've provided them return email & refund amount & tracking #.

They still haven't released the hold on my {$320.00} credit.

& That is my complaint.

This is for capital one secured card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: T.S. Holdings
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I assert that your agency 's actions in attempting to collect this debt have violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. The following violations have been observed : 1. Agreement bearing my signature, Verification and validation of the alleged debt, including the original creditor 's name and contact information, the account number, and a detailed breakdown of the alleged charges. 

2. A complete account history, including the date of the alleged delinquency, any payments made, and any additional charges or interest accrued since the alleged default.

3. Copies of any communication or documentation sent to credit reporting agencies regarding this debt. 

Your agency is required by law to provide this information and fully comply with the FDCPA regulations. You have Failed to do so and will be considered a violation of my rights, and I will take appropriate measures to address these violations. 

Lack of Verification : Despite my multiple requests for verification of the alleged debt, your agency has failed to provide substantive evidence validating the debt 's authenticity. 

False or Misleading Representations : Your agency has made misleading statements and threats regarding legal actions and negative credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-23
Company: Porsche Financial Services, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
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:
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 Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to TransUnion to XXXX that these inquires are reporting incorrectly Never gave permission to hit my credit.

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 2023-07-20
Company: AMERICAN EXPRESS COMPANY
State: MD
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:
I am writing to file a complaint against American Express for their failure to address fraudulent charges made on my American Express Platinum, Business Platinum, and Business Gold cards. My cousin, who was an authorized user on these accounts, abused this privilege and incurred {$59000.00} in fraudulent transactions. Despite my attempts to resolve the issue with American Express, they have declined my request for resolution, leading me to believe that they have violated consumer protection laws.

Company response to consumer: Closed with explanation