BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-04
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2021 I attempted to unfreeze my credit with the 3 major entities my bank is utalizing for my mortgage preapprovel. I had no issues with two of the entities. The third, Experian I could not utilize the phone, which is entirely automated or by website to unfreeze my credit. When I asked by phone to speak with a representative, I was told by automation it was not allowed, and gave me instructions how to request unfreeze by snail mail or website and eventually the automation hung up on me. I then attempted to unfreeze by website. Completed the same info and pin I provided by phone. Error. I tried for my entire lunch. I then tried to find how to get a real person..only FAQ on website under customer service. No live chat. Only online number to be found is totally automated number. Tried both platforms today..same results. I then went to their XXXX  page, under public post..not surprisingly..lots of complaints..no one csn get a live person. Appears this platform is monitered as posters are asked to XXXX. This is unacceptable, it harms the Elderly, XXXX, low income and impacts peoples lives. My account is still unfrozen.

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 2019-03-06
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Union Bank has charged me service fees for an account that has previously ( for more than one year ) been free. 
Further, there are unknown debits on my account that I wish to address. 
In my efforts to receive assistance from Union Bank, i've done nothing more than waste four hours of my day with people who chose to be rude, XXXX, difficult, and abusive. 
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 2023-02-14
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2021-06-04
Company: Experian Information Solutions 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 status incorrect

Complaint:
I have some major issues on my credit file that need to be reinvestigated asap.

issue 1. XXXX XXXX listed on my XXXX  report has a late Payment from 2017, I was an authorized user on that account over 4 years ago I am not on that account and I am not responsible for the balance of that account Please delete.

2. Second issue I found inquires from various auto loan companies. I have only one Auto Loan with XXXX XXXX XXXX. I have never applied for accounts or loan with the following companies :, 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.

I am hyper sensitive to any movement on my credit file I discover these last month and filed a dispute. This is my 3rd time complaining about this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have try to work a payment plan with Target stores! No success there! Due to XXXX Im unemployed!! Limited income! Last payment made on XXXX XXXX {$82.00} card balance {$160.00} now card balance {$320.00} due to increments of {$39.00} in late fees!! Dont mind paying interested!! I have try to work a payment plan!! Dont agree with late fees!! I appreciate the understanding of the situation we all leaving now!!! Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-02
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX XXXX XXXX Acct : XXXX Original Acct : XXXX I told you to stop contacting me and you continue to contact me which is a violation. I asked you to validated the debt 60 days ago and tou never did. You need to deleted this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: TD BANK US HOLDING COMPANY
State: NE
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:
TD Retail Card Services XXXX XXXX XXXX XXXX SC XXXX Credit Card opened by someone else with my credit information in fraud and now they are changing my address. I am concerned about timely resolution. 

I was notified by my company 's Fraud Protection Agency. I contacted TD Credit Card Services and was told there was no account open in my name or social security number on XX/XX/2023. 

I put a freeze on my credit through 3 credit bureau reporting agencies to stop future issues. 

I received 2 letters stating that I had requested an address change on XX/XX/2023 from TD Retail Card Services. I tried to call and customer service was helpful and told me to call a different number for Retail Card Services. She explained there are different types of cards issued by this company. I tried to call them and they are only open Monday - Friday XXXX - XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-04
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I call Discover Card services XX/XX/2021 to inquiry as to why my credit report was showing I only paid {$220.00} each month. I was told they do not have to report the complete amount, all the law requires is that they report the Minimum balance. and they where not going to change it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Experian Information Solutions Inc.
State: WA
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 had an account placed for collections with a company called XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX ) earlier this year. I contacted them directly to resolve/pay the account and they informed me the account had been sold to a company called XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX ) and thati must take it up with and pay through them. I contacted XXXX and we agreed to settle the account for {$680.00} ( original amount was {$900.00} ) and it would be reflected as settled or paid in full on my credit reports. We set up a payment arrangements which i ended up taking care of well before they were actually due. The payment i made ( see attached payment history and settlement letter from XXXX ) are as follows : {$100.00} XX/XX/XXXX, {$100.00} XX/XX/XXXX, {$150.00} XX/XX/XXXX, {$150.00} XX/XX/XXXX and {$180.00} on XX/XX/XXXX ( totaling the agreed upon amount of {$680.00} ). As of today, XX/XX/XXXX XXXX is reporting me as still owing an outstanding derogatory amount of {$220.00} and and an open collection account remains on my credit reports. This is a willful and negligent violation of the agreed upon contract i made and fulfilled with XXXX XXXX XXXX and this account needs to be either updated to reflect settled/paid in ful land a balance of {$0.00} or removed from my credit reports immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
This is now my second request for your agencies to remove two items that I am not responsible for I have request prior and they are still listed There are two accounts that do NOT belong to me which are XXXX # XXXX XXXX XXXX # xxx I am NOT liable for these two accounts these need to be removed off of my personal credit file. 

I have already mailed two request also this needs to be addressed ASAP

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 2023-05-13
Company: Experian Information Solutions Inc.
State: WA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  

information taken without knowledge or authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have an account with cash app. I transferred XXXX dollars to my cash app to send to my roommate for rent. I logged in using another phone to do so because my phone was broke & was using a temporary phone At the time & my roommate needed the rent. That was on XX/XX/2020. Today is XX/XX/XXXX. My cash app account is still locked & I dont have access to my money. I can receive money but cant send or cash out my money. I been trying to get in contact with cash app support but havent heard anything. I need my money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is reporting a balance that is incorrect and has been incorrect, going on 30 days now. I have contacted them and the credit reporting agencies and have not gotten anywhere.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: Quality Asset Recovery LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/2018 {$2700.00} Tried disputing the balance filed bankruptcy and will not remove from credit to stop me from renting or buy any property due to it being a judgement,

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 2017-12-13
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am a single mother and I have had trouble making payments since my divorce. I have called several times and each time they give me the run around and tell me that I can afford XXXX from each lender. I only bring home XXXX and after I pay all of my main living expenses I am left with XXXX for the month to buy groceries for me and my children and gas to get to work. FedLoan told me that there is nothing they can do to help me that my account will just have to default. Then they proceed to tell me that they do not do wage garnishing until it is delinquent XXXX! Everything I have researched and my XXXX lender have told me XXXX. I told them that I was in the process on consolidating and I just did n't want the account to start wage garnishment before this is final. I have nothing else to give them and they will not take in consideration that I have children to feed. They just tell me there is nothing else they can do. I told them I will even pay each of them XXXX a month and they said no.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: LD Holdings Group, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage with Loan depot in XX/XX/2020. It was great until the closing. My issues started when I started making payments in XXXX. I have had only 2 payments to make so far XXXX XXXX and XXXX XXXX ). The experience was horrendous. It was night and day. First time, when i made the payment to XXXX address. They started harassing me by calling me every other day with automated voice messages. When I called in XXXX, the waiting time was brutal.. They mentioned it could be because my account is moved to a a different servicing location that is in New Jersey. But she assured there will be some delay in posting that transaction. For XXXX payment, i made an update in XXXX reflecting NJ address. That payment was returned as well. I have had multiple calls in last 1-2 days and they put me on hold to research the issue and it gets dropped or i join the queue again. It is very frustrating that for just simple payments, I am spending countless # of hours to make sure they receive the payment and this does not ding my credit history, which is pristine ( no late payments in last 20 years ). Concerns : 1. Made a phone payment yesterday where they charged me a {$2.00} fee. I am requesting them first to remove the interest charges I have incurred since they returned the check around XX/XX/XXXX. Secondly, to waive the phone payment fee and any late fees or other fees they have charged to my account. Few observations : 1. Their servicing system to receive the payments sucks big time ... 2. Incompetent customer service people.. i will blame the management for not giving them proper training. 3. They have to get their act together in terms of providing one servicing location where they can receive the payments. 4. When customer service puts us on hold, it goes back to the queue or get disconnected after a certain time. I am very disappointed with the experience they have provided since the closing of the loan. they have lost my trust and will not recommend them. 


Desired Resolution : Billing Adjustment Desired Outcome : 1. Made a phone payment yesterday where they charged me a {$2.00} fee. I am requesting them first to remove the interest charges I have incurred since they returned the check around XX/XX/XXXX. Secondly, to waive the phone payment fee and any late fees or other fees they have charged to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: NCB Management Services Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Around XX/XX/XXXX I received a credit alert stating that a company by the name of NCB Management Sercives Inc. added a collection to my credit reports alleging I owe them {$1900.00}. To date XX/XX/XXXX this company has not notified me of this alleged debt and by not notifying me they have denied my legal right to dispute any debt within 30 days of notification from a debt collection agency - pursuant to 15 USC 1681 et al. This debt has been disputed with the credit report agencies multiple times and all they are doing is stating it has been verified, but yet this company has not provided me with ANY type of documentation or communication. This debt is to be removed from all three credit bureaus immediately and proper procedure and protocol followed. I have no reservations in litigating this ridiculous practice performed by NCB Management Sercives Inc. in a court of law where I will seek punitive and statuary damages to the fullest extend of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: Assured Financial Partners
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This company, XXXX XXXX XXXX, calls me about XXXX times a day leaving messages. After I blocked one number they started calling from a different number. They said if I don't agree to make arrangements to pay they can put a lien on my car or garnish my federal income tax. The lady stated that I owed over {$4000.00}, but I could settle if I immediately sent them {$1200.00}. She wanted me to send her my banking info over the phone. After I wouldn't agree to sending them {$1200.00} she got an attitude with me like she just couldn't believe I wouldn't send them that amount. I know of this debt, but I'm trying go figure out how it got to be over {$4000.00} when initially the debt was a little over {$2000.00}. I have asked them to send me documentation stating who they are and information about the amount of debt I supposedly owe. They have also been contacting my brother who knows nothing about this situation. I thought this was against the law!!! 
I'm also wondering if it is over the statue of limitations to collect this debt because it goes back to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citibank sent me a notice on XX/XX/2017 notifying me of a message of account closure. I logged in to see that they had closed my account unilaterally without prior notice. Closure was for non-use. My issue is that I was not notified and given the opportunity to use the account to qualify to have it remain open.

This is my longest running credit and will adversely affect my credit score. Its poor practice to not allow me to address before the account is closed Additionally, when I called to have the account reinstated, I was told the only way the account could be reopened is if I did a full reapplication that includes a credit bureau pull.

Citibank created a situation in that there was no way to avoid my credit score being impacted.

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 2019-03-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I reached out to you all on last year regarding some accounts on my credit that are not mine. I have been trying to help my son get a car and also purchase a home and the Bankruptcy on my credit is not mine along with XXXX and XXXX now.

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 2020-11-25
Company: Byrider Franchising, LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I've seen no changes for the accounts that I have filed last month, I still see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation