BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-10
Company: Experian Information Solutions Inc.
State: NY
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2017-07-14
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ditech set me up on a bi weekly payment plan to help me pay off my loan sooner. I have now found out that they were not applying the first half of my payment until the second half arrived. Thus they were sitting on my payment while my loan was accruing interest. I was lied to about the benifits of the loan an ripped off by this company. Even on my statements it shows amount paid as half but they informed me that is what I paid not what was applied to the loan. This is embezement and I want my money that I am owed. Thanks for your timely response,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Greetings in XX/XX/2021 I reached an agreement with XXXX XXXX XXXX on behalf of XXXX  XXXX XXXX for a {$27000.00} debt. We settled the debt for {$13000.00} which was paid in full on XX/XX/2021. At this time I was working on a refinance and was able to get the account updated through the XXXX XXXX only to have it reverse a month or so later. I have submitted disputes with and without supporting documentation and although XXXX  state they received the funds and it shows as a payment received in XX/XX/2021 the account balance was not updated to {$0.00} & cleared stating it was settled for less than the debt owed. This is the XXXX of XXXX in which I had to wait over 2 months to get cleared up. Attached is supporting documentation of the settlement agreement, proof of payment, cleared payment from my bank, and a letter from XXXX stating the account has been paid in full. In spite of providing these documents to the XXXX credit Bureaus they claim XXXX said the information is reported accurately and refuse to provide any proof as to how XXXX  verified the accuracy after sharing with XXXX  my proof.

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 2019-10-04
Company: Professional Debt Mediation, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Professional Debt Mediation has harassed me, used profanity, and threatened arrest because of a fraudulently signed lease by a company I have never heard of. Professional Debt Mediation has hundreds of similar complaints on here, and I will not go unheard. REMOVE THIS FRAUD FROM MY CREDIT REPORT, AND STOP SENDING ME PROFANE PHONECALLS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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, XXXX XXXX purchased carpet at Home Depot. I went to the store twice. The first order I cancel it and purchased another color. Home Depot did a bad job with the installation on the carpet. I called them and they stated that Home Depot settled the matter with me and they refused to look into the matter. <P/>Citibank should not take sides with Home Depot I am the one paying them. And Home Depot and I are in the courts over this case. But Citibank should look at what information I am telling them and showing them that the amount on the card was wrong they do n't care they refuse to speak with me and they are my bank. CITIBANK SHOULD LOOK INTO THIS MATTER AND TAKE OFF MY CREDIT CARD WHAT I DID NOT AGREE ON PAYING. <P/>XXXX XXXX XXXX XXXX XXXX XXXX, Texas 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 2021-04-14
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I checked into the XXXX XXXX XXXX XXXX, NV on XX/XX/XXXX and they took a {$400.00} deposit. On XX/XX/XXXX they settled for {$350.00} and now it's XX/XX/XXXX and Venmo Debit Card is lying saying that the transaction isn't complete even when they see that the XXXX XXXX captured the lower amount and won't make the remaining funds available for use.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-10
Company: DISCOVER BANK
State: UT
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:
Discover Bank is inaccurately reporting late 's on my credit file for the months of XX/XX/2019 through XX/XX/2019. I paid my full balance off completely. I was not advised about any interest fees thereafter my balance was paid off. for 3 months I did not receive any notifications, letters, or any phone calls that I had a balance until I checked my credit file and noticed the lates. They had my email address wrong in their system. They agreed to remove all the fees, yet they are still showing a balance and late charges on my account. I request they remove the lates and fees as this was not my fault!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

Despite the multiple previous written requests to TRANSUNION, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( LATE/CLOSED XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00XXXX XXXX COLLECTION XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: Consumer Adjustment Company Incorporated
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently lost my wallet this spring with all of my personal information included. This debt collection appeared on my credit in XXXX, but was opened in XXXX. The address of where the collection is from is XXXX XXXX XXXX XXXX, XXXX XXXX, Missouri. Phone # is XXXX. When I looked up this address, it did not match the one listed here. I have never been in Missouri and none of the information is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: Trident Asset Management, L.L.C.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This complaint is to inform you that I recently viewed my credit report and noticed a collections account from Trident Asset Management on my credit report. I have n't been notified of this collection. On XXXX XXXX, 2017, I sent a certified, return receipt, Debt Validation letter to Trident Asset Management. I advised them that I recently viewed my credit report and noticed a collections account from their company and I have n't been notified of this collection. I stated that this did not imply that I refused to pay this alleged debt. Rather, I would like to dispute their claim. As per the FDCPA, I have the right to request a validation of this debt. I requested for them to prove that I am indeed the party who is by contract obligated to pay off this debt. Reporting any invalidated information to major credit bureaus may constitute defamation of character as a negative listing on my credit report does not allow me to enjoy the benefits of good credit. Non compliance of this request Is likely to put their company in serious legal trouble with the Federal Trade Company ( FTC ) and other statewide agencies. 

I requested that they send me the following documents : 1. ) Agreement with their client that authorize them to collect on this alleged debt. 
2. ) Agreement that bears signature of the allege debtor wherein promises to pay the creditor. 
3. ) Complete payment history on this account to prove that the debt amount they wish to collect is correct. 


I receive a letter from them dated XX/XX/17 advising that I have 30 days to dispute the validity of the debt. The following week, I received a copy of an old XXXX bill from Trident Asset Assessment. An old bill does n't validate and/or prove that this alleged debt is mine. I 've since sent a method of validation letter to the credit bureaus. I 've requesting the information used to " validate '' this alleged debt as a copy of a bill does NOT validate a debt. 

Under the FCRA 15 U.S.C. 1681i, all invalidated accounts must be promptly deleted. Therefore, if they are unable to provide me with a copy of the validated proof then they must remove these accounts from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: First Data Corporation
State: MD
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX I noticed an unauthorized charge for {$60.00} something from XXXX. On XX/XX/XXXX two more charges were made at XXXX one for {$240.00} and the other was {$21.00}. I called XXXX/XXXX XXXX that same day and they said they would submit a dispute for me but that I should call XXXX to try and get more information. XXXX told me they had no information available. On XX/XX/XXXX there was another charge from XXXX for {$40.00}. I called XXXX again and they told me to call XXXX again. I did that and XXXX told me XXXX needs to handle this. I have submitted various disputes via email, fax and regular mail to XXXX yet they keep saying they never received my disputes. When I call XXXX, I am placed on hold for over 30 minutes and then when I get to a representative, they tell me the dispute department is disclosed. XXXX is also charging me fees for ATM withdraws that they tell me are free. I have asked for my account to be closed and they say they ca n't but that they will send me a new card yet I never get the new card.

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 2017-07-13
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX 2017 Mortgage lender being told my equifax file is blocked and getting error code XXXX XXXX. I 've called 4 times and been assured there 's no blocks. Ca n't get this fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: EQUIFAX, INC.
State: CA
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:
My name is XXXX XXXX I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit 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:
XXXX Opened a Lowe 's cc operated by XXXX  XXXX  XXXX ordered XXXX boxes flooring ( XXXX XXXX ) from Lowe 's the cost of the flooring was {$2800.00} XXXX number XXXX XXXX A partial order for XXXX boxes was filled and picked up. The cost for the partial order was {$1600.00}. I was told a refund would show up on my credit card for the portion of the order that was not filled. The difference between the original and the order filled is {$1200.00} A refund was not received claim was filled with the company. The claim was declined because they interpreted the dispute as filling a claim for the whole amount. 

A second dispute is in process

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 monetary relief
Consumer complaint received 2019-10-04
Company: Mobiloans, LLC
State: SC
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:
There is a hard inquiry on my credit report on XX/XX/2019 from : XXXX XXXX XXXX XXXX XXXX, LA XXXX I never applied for credit with this company

Company response to consumer: Untimely response
Consumer complaint received 2019-10-04
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have a hard inquiry dated XX/XX/2018 from : ONEMAIN XXXX XXXX XXXX XXXX, IN XXXX I never applied for any service or account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: FC HoldCo LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
During my vehicle refinance with Flagship I purchased GAP insurance from what I understand was also through Flagship ; but due to extremely poor loan servicing I again refinanced via XXXX XXXX XXXX  XXXX. I am owed a GAP insurance refund from Flagship Credit Acceptance that I have yet to receive. I have repeatedly called asking for the status of my refund and gotten a different answer every time. This leads me to believe that Flagship does not intend to issue my refund. I am sure there are many former Flagship customers that are in the same predicament ; therefore this is my formal notice to Flagship management that if I do not receive my GAP insurance refund by XX/XX/2019 that I will file a Class Action Lawsuit against Flagship. You can either pay me the few XXXX that I am owed or you can pay out millions as you did recently with your {$4.00} XXXX auto-dialing class action settlement. I am a hard working man with a daughter to put through college so every XXXX counts. I refuse to be taken advantage of and I need my money. I expect someone from Flagship to call me ASAP to tell me the following ; what is my GAP insurance refund amount and when will it be sent? A copy of this complaint has been sent to the Consumer Financial Protection Bureau, the Pennsylvania Attorney General 's office, and the Tennessee Division of Consumer Affairs ( DCA ). It would be most unwise to take this complaint lightly. I WILL get what is owed to me one way or the other.

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 2017-07-13
Company: ALLY FINANCIAL INC.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My vehicle was a total loss and the insurance company paid the entire loan balance except for the late fees. Ally financial told me after the car paid that the late fees would be waived and my account was at XXXX. Ally financial sent me the title to the vehicle. <P/>A month later Ally came back and said they were charging me late fees with a daily interest. From month to month the amount changed they were uncertain the amount of late fees and interest. <P/>In Virginia a company can not charge more than 12 % late fees. They are reporting to the credit bureau and I feel they are incorrect. Ally stated that they sent the title to insurance company and not to me. However their office also stated that they title should n't have been released if there was any kind of balance remaining on the account. Once I received the title, lien release and the letter my account should be at a XXXX balance.

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 2018-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
cant give me information ... chargered me XXXX, cant cxl subscription. my credit score dropped 65 points in one shot and no one can tell me why ... Its a joke

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 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/XXXX XXXX  XX/XX/XXXX I notified Transunion and XXXX and they continue to report the same bankruptcy twice. I will attach all documentation that I have sent to them. I even contacted XXXX XXXX and they totally ignored request to validate. 

Double Reporting : TransUnion XXXX XXXX Court Name XXXX XXXX XXXX XXXX XXXX XXXX  Identifier XXXX Type XXXX Account Ownership Type Attorney Name Disposition Type Dismissed Disposition Date Filed Date XXXX Paid Date Settled Date XXXX Consumer Dispute Indicator XXXX TransUnion XXXX XXXX Court Name XXXX XXXX XXXX XXXX XXXX XXXX Identifier XXXX Type XXXX Account Ownership Type Attorney Name Disposition Type Dismissed Disposition Date Filed Date XXXX Paid Date Settled Date XXXX Consumer Dispute Indicator XXXX TransUnion XXXX XXXX Court Name XXXX XXXX XXXX XXXX XXXX XXXX  Identifier XXXX XXXX Type XXXX XXXX Account Ownership Type Attorney Name Disposition Type Dismissed Dismissed Disposition Date PUBLIC RECORDS The following public accounts are recorded in your credit report. 
Disposition Date Filed Date XXXX XXXX Paid Date Settled Date XXXX Consumer Dispute Indicator XXXX XXXX TransUnion XXXX XXXX Court Name XXXX XXXX XXXX  XXXX  Identifier XXXX Type XXXX Account Ownership Type Attorney Name XXXX XXXX XXXX Disposition Type Dismissed Disposition Date Filed Date XXXX Paid Date XXXX Settled Date XXXX Consumer Dispute Indicator 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 2019-02-26
Company: EQUIFAX, INC.
State: AZ
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:
The following XXXX XXXX XXXX credit card account is fraudulent, unauthorized, not mine and I never applied for this account : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
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:
On XX/XX/XXXX I paid settlement amounts as agreed upon by XXXX XXXX XXXX XXXX using a home equity line of credit. I paid XXXX and XXXX and XXXX to XXXX to settle the accounts and clear the balances owed. The amounts were dispersed by my bank which is a Federal Credit Union. However, the present status shows that I still have a balance owing and past due amount even though the amounts paid and the amounts showing on my credit history are exactly the same amounts. This is negatively impacting my credit history. I called on XX/XX/XXXX to request that they change the status to correctly reflect that the balance amounts were settled upon ( that we agreed upon a settlement ) and that there is a XXXX balance remaining to be paid and no past due amount. I was directed to 5 different personnel and none of them understood why it showed a XXXX balance owed in the system but is incorrectly being reported on my credit report. I was transferred numerous times. The last person I spoke with told me to file a complaint and show my XXXX forms that show the cancellation of debt in the complaint.

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